Is no-one able to help with: Can a mobile van 'get you' I you are driving away from the van? Is the van set up to take oncoming traffic only? Because I was briefly on the opposite side of the road (ie - the same side as the van) briefly - due to the traffic light single track system, does this make a difference? Thank you

Don't think I miss the point....? Not sure I undestand your response. Anyone else?

Morning. I was driving (well within speed limit) locally today and came to a set of temporary traffic lights. The road was, in effect, single track due to this. Admittedly, I put the foot down to get through in case the lights changed. Then I noticed a flash in the back window.... The van was parked on the opposite side of the road, with the back facing me. However, I WAS on the opposite side of the road, UNTIL I had to pull over to the other side of the road due to the temporary traffic lights - the traffic was ALL having to use that one side of the road... SO... Can they get me if I am driving away from the van from the other side of the road... I know I WAS on the side of the road the van was on briefly - but only because the road was single track.... Thank you!!

I am not planning to bring a case for constructive dismissal. I am well aware that I cannot do this under 12 months service. I know they can dismiss me if they 'feel like it'. My original query was only re sick pay whilst a grievance was ongoing. Thanks

Have emailed company to ask policy. According to Direct Gov, it should be suspension on full pay pending investigation

Sorry Becky... but I absolutely don't agree! I'm a 45 year old man and I have a very strong case. If everyone just 'lay down' and let peole treat everyone unfairly, it wouldn't be a very just world! I am more than happy to make a stand for what is right and what is fair. This is not a case of 'sour grapes'. The Manager has broken codes of conduct.

I have started a grievance at my current place of work. I have been employed for 10 months, and am currently signed off with work-related stress (bullying by Manager) The contract states that only 10 days sick is 'allowed' on pay, then it goes on to SSP (only £16 per day) Can anyone advise me if this is still the case if there is an ongoing grievance..? Does this still count as 'sick'? I cannot return to work (it is not somewhere one can be moved in to a different 'department' etc) I would still have to report to the manager I have reported (and also blown the whistle on) Does a grievance alter the situation at all? It seems odd that another member of staff is on full pay whilst suspended pending investigation (this same manager made things up about him) Thanks

Hi again! My bank (Lloyds) is based in England, although I live in Scotland. They've just charged me £41 for 2 days going over planned overdraft. Spoke to them on phone. They say they won't cough up. I've told them I've taken several banks to court and won, and will do it again (even JUST for £41!) My question is - is it still worth it? Has the Office of fair Trading made any changes that make claiming more difficult/less likely to pay out? Is it taking ages? Thanks all

Thanks - as ever - P1! You are a legend!

Can someone please give their opinions on what my best next move is..? I don't have £5k to settle, and I don't want to take their first offer anyway. Should I keep on fighting this or simply make an offer that I am comfortable with ...?

bump...?

Ok... have heard back... Now they are offering that I either: pay £5,000 now in full and final settlement or pay £8,000 by installments as full and final. If I don't do this, they threaten court. What do you all think?

Here is the letter I am sending: (what do you think?) Thank you for your letter dated 23rd September, the content of which has been noted. I refer you to my previous correspondence, and repeat - to date, you have not fully complied with my legal request under the Data Protection Act, 1998; a Subject Access Request received by yourselves on 01/10/06. Therefore, until such times as I am in possession of all transactional data and/or otherwise, I will not be entering into any discussions regarding income/expenditure. Since I have been informed by Halifax plc and yourselves, several times now, that my file has been lost, I am surprised by the attempts of your ‘client’ to secure payments on an alleged debt that cannot be substantiated by any form of legal paperwork at all, and, as explained in all my previous correspondence, until such debt can be substantiated, no payments will be forthcoming. As also previously advised, I will require a full written explanation as to the precise nature of your/their claim and upon what legal basis they have instructed you to pursue this matter, along with the documentary detailed in previous correspondence. I also note that you made no comment on the fact that, in Scotland, recovery on mortgage shortfall interest is frozen after five years. I trust that the contents of this letter are self-explanatory. If you are unable to supply this data however, then I require written confirmation by return within the next 14 days. Should you decide to pursue this matter without addressing your full obligations under The Data Protection Act, 1998 then I shall seek a Court order obliging your full compliance, together with damages at the discretion of the Court.

Thanks guys! I LOVE this site!!

Bump... please..?

Ok. EVENTUALLY heard back.... "As previously advised, our client has been unable to locate their sale in possession file and thus, we are unable to provide you with the original valuations or copies of the possession order. However, we would advise you that there is no legal requirement for our client to keep such files for this length of time and given that the repossession and sale dates back to 1991, it would be unrealistic for our client to be expected to retain such records for such a period. In any event, should it be neccessary, our client shall seek to rely on witness evidence in relation to the valuations and the calculation of the shortfall itself".... IS THIS ROLLOX? They go on to say that I have made payments in the past, so.. come on - give us more... They are asking me to fill out income and expenditure and make a payment offer (or monthly payments). What should I do now.... Make the offer of minimal payments, or tell them that I DO need to see the documents requested? Thanks all!

Has anyone got Teresa Walsh's telephone number..? Private Message me if you have to.. Thanks!

This helpful post was edited and I don't have Teresa Walsh's number.... Can anyone help? Thanks!

Have received long winded reply from Lloyds... blah blah. Only bit I wonder about is: "If your current account is covered by Scottish Law... please note the timing of when you raise a claim.." What are they banging on about? And - how do I stand - My Account is in England, but I live in Scotland

Great. Thanks Jez

Hi All Well, here I go again! Just a little one this time - Lloyds TSB charging me daily fee of £35 + Monthly fee of £15 = £50. What has changed since the last lot of claims I made? Do we still go for the full amount? Has there been any change in the law, or do I just start with the 1st letter as before? Thanks

Hi We have lived in our house for 7 years, and have been paying direct debit every month for electricity (ONLY) of £165 per month. Eventually, someone pointed out to me that this was unbelievably high. It is only a 3 bedroom house, and I am not growing marijuana in the loft, nor a large hot tub in the garden! I contacted NPower, and spoke to their Energy Efficiency team, who were very helpful and took me through every appliance in the house, checking off as we went just how much they SHOULD be using. My kilowatts came out nothing like what they should be - ie - should be about 22 per day... Actually about 66! The guy I spoke to said he had actually never heard such high readings and "something MUST be wrong". I contacted them again and arranged for someone to come and check the meter. They said that they could find nothing wring with it, but he did fiddle with the external wires. Well, since he has been, I have been sing an average of 22 units per day... for the last 3 weeks... I have done NOTHING differently, so something he did MUST have made a difference. I am in the process of writing to nPower now, but I just know that they will say "you paid for what you used"... The readings were correct, but there was clearly SOMETHING wrong with the meter... But I know they will say they found no fault. Just getting ready for the next stage really.. Where do you suggest I go from here? How can I PROVE there has been a problem for SEVEN years! That would be a healthy rebate!!! Thanks all

Good advice! I will investigate other options!

Ok... here's a toughie... I have a small business now, which is currently with Royal Bank of Scotland. I want to now move to a local bank and re-finance the business. Bearing in mind that this old debt is mortgage debt, due to the Halifax, is it wise to go to HBOS (Halifax/Bank of Scotland) to ask them to fund the business... Will they be able to see the old debt (or is it a totally separate issue/department), and will me discussing the personal situation of the business with them reflect in any way with the old mortgage debt...? Thanks everyone

Brilliant! Thanks VERY much!