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The Fishman

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Posts posted by The Fishman

  1. Message displayed in car today

    - warning light that battery not charging

    - phone my pal who is a mechanic

    - confirmed that it would be the alternator.


    Got in touch with the garage I bought the car from 8 months ago.


    Booked in and after they check, they confirmed it was the alternator.


    Part is covered but the garage are trying to change me £ 57 for the privelage of telling me what I told them.


    Come on - cant be right?

  2. Credit history is poor but managing the debt down the way and have decent job and money coming in. Car however is essential to the job but is on its last legs - any options for car loan out there?



  3. is it possible to scan it and take a pic and post up here - deleting any personal info?


    you say a persoanl loan but they think thay can take the car so need to check the loan


    but at thsi stage in the life of the loan/hp they need a court order in scotland to take it anyway


    Before I get document scanned................

    Is it worthwhile me contacting BH again to see if they will negotiate a rearranged loan term and monthly amount?

  4. Not heard of anyone dealing with them and cant see any threads on them.


    Have you got an arrangement with BH?


    I had an agreement with Black Horse to reduce and review my payments - missed last month and I contacted then to see if they could temporarily take less from me.

    I got an income and expenditure form from BH then the next day a raft of calls from Close Assistance ( main clients are Black Horse and Santander I think).

    I met with a rep from Close Assistance this evening whose sole intention was to see what value was in my car and start a process to get my vehicle if I was unable to pay the arrears on the loan.

    The loan is a personal loan which was used to buy the car but I have paid over 3/4 of the loan leaving about £3500 outstanding.

    I have until the 7th August to pay the arrears or the car is up from collection?

    Any advice would be greatly appreciated.


  5. Was in discussion with Black Horse over a change in the amount I am repaying them and thought we were doing business - only to get about 4 calls and a couple of tasty letters the next day from Close Assistance wanting to meet with me to discuss my situation. Anyone have any dealings with them?

  6. Info on the various 'family friendly rights' can be found here:


    your rights: working life and family-friendly policies - from workSMART.org.uk


    The obvious one for you to look at is the right to 'Dependent Leave'


    All employees have the right to ‘reasonable’ time off work to help people such as family members or friends who depend on them for assistance in an emergency. There is no set limit on how much time off can be taken but you can only take off the time necessary to sort out the immediate ‘problem’.


    This time off does not have to be paid by the employer, even though the leave may only be for a few hours during a paid working day. However some employers (often those with trade union agreements on ‘family’, ‘special’ or ‘carer’s’ leave) already give paid leave in these circumstances, perhaps up to a certain number of days per year.



    Nice work Che:)

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