I was interviewed with only 2 people in the room (one interviewer and a note taker). I did not score highly enough to pass the interview. My colleague was interviewed with 4 people in the room. (2 interviewers, 1 observer and 1 note taker) She passed. So could this be classed as unfair? She had more people to decide an outcome where as my outcome was decided by one person alone?

Would it be classed as unfair for one candidate to be interviewed by 2 people, have one 'observer' in the room and one note taker; and the other candidate to be interviewed by just one person and had one person note taking? Also, do I have any rights in requesting the original notes and scoring system? I have received feedback but it is extremely vague. E.g Effective communication - 70% etc etc. Many thanks. Any advice would be very gratefully received. Kind regards Waltolla

Redundancy - How far can the company make you travel to relocate, instead of paying redundancy? Today i have been told the company is closing my place of work. I am due to start my 90 days consultation process. It has been suggested that i relocate to another branch. This branch is 23 miles away. I don't drive. I will have to get two buses and it will take me between 2 - 2 1/2 hours to get to work. (never mind get back) So a possible 5 hour round trip. I will have to leave the house at 6.30am and won't return until 8.30pm. I am currently learning to drive but will not pass my test by the time this is proposed. I have worked for the company for 7 years. The new contract they are offering me is generally the same as i am on now. Same amount of hours, similar days (full time, fully flexible), same pay, (however they are considering whether to pay my extra expenses to get to work) One difference is i would be working more weekends than in my previous role. The company states the following, "if an individual declines an alternative contract/job role which is different from their previous contract job role they will be entitled to redundancy. If however an individual is offered a contract/ job role which is the same as their previous role contract/ job role, with no changes to their contacted hours, days or work or rate per hour then they would not be entitled to redundancy." Furthermore, I checked my contract and it states the following, "The base location of your employment is (****** the name of my town) althought the company reserves the right to amend this as the needs of the business demand and you may therefore be required to work in alternative locations either on a permanent or temporary basis." Please help. Do you think I am entitled to redundancy pay if i chose not to take the job at the other branch? Kind regards Waltolla

yes i agree. date of policy taken out was 25/06/10

I have been sent a letter stating "Thank you for renewing tour tesco home insurance." Apparently i have signed up to an automatic annual renewal and apparently i was sent a letter notifying me that my policy would be automatically renewed. Both of which are not true. I've searched through all my previous documents including my policy and it does not state anywhere that i have agreed to this. I spoke to tesco and they have stated i need to pay a £20 cancellation fee. I explained i have not signed up for an automatic renewal and requested a copy of documentation that states i have signed up for this (under the freedom of information act). Tesco are unable to provide me with this information. They say that i would have agreed to it when i signed up for the policy online! Very Very angry. Any advice on what to draft in my letter to them? Many Thanks

Thank you all for your advice. It is very much appreciated. I feel a lot more informed to make the right decision. Many Thanks

i was in the car with my mum when she was passing through a junction on a green light. A cyclist coming from the opposite direction turned right across the box junction in front of my mums car (so he must have gone through a red light?), my mum braked but hit him. He slammed into her car leaving two dinted hand prints on the bonnet and scratches. we have a witness to the crash. The cyclist was ok. i took his details (although they are probably not real) and i have logged an incident with the police. he has left fingerprints on the bonnet though. do you think we should/can ask for these to be lifted? Will she be able to claim for this damage? will she have to go through the small claim courts? my mum said she doesn't want to go to court because he will find out where she lives (he did look very very rough, like he was on drugs in my opinion? and was very intimidating) would he be given my mums address? at the time of the incident he did admit fault saying, 'i thought i could make it.' but when i asked for his details he said, 'i'll pay for the damage but not any whip lash claim.' and then when i took his details he started to run off. very confused. any help would be really appreciated.

Without going into to much detail, on 16/10/2009 a taxi driver pulled out of the WRONG way of a one way system, turning right onto a main road, without looking right. My husband was in the right hand lane of the two lane main road, when he saw the taxi driver pulling out and not looking. He slammed on his breaks and ground to a stop, but as the taxi driver was still looking left, the taxi driver drove into my husband who was stationary. No damage was made to my husbands car and the only damaged made to the taxi drivers car was his bumper popped off. Over a month after the incident the taxi driver put in a claim for £600 and has medical evidence that he was injured! He had no injury at the time of accident. He is claiming that my husbands wheel was in the other lane (oncoming traffic lane) and that is why the collision happened. But even if it was, if he was looking he would have seen this! My husband has supplied the insurance company (swift cover) with photographs of the scene, drawings, an independent witness (a lady that works opposite the incident) and CCTV evidence!!!!!!!!!!! but still after over 17months this still hasn't been resolved! They sent my husband an email asking him if he wanted a 50 50 settlement. So i sent an angry email back explaining again why it was not his fault and stating, "have you not seen the CCTV evidence!? It clearly shows the taxi driver is at fault." My reply back stated that he had not viewed it but his colleague had, and that his colleague had not left any notes. So he was now going to view the cctv himself. (we have no dealt with 5 different people from swift cover) However the next email we got from swift cover stated they had lost the CCTV!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Luckily my husband has another copy and is going to resend it them. My next course of action is to write a formal letter of complaint to their underwriter, in which it will threaten to report them to the Financial Services Ombudsman. Has anyone got any useful advise to include in my letter?

To bookworm. Thank you for your input. Yes i agree i have not payed enough attention to my financial matters. I have been going through a very stressful time recently and have taken my eye off the ball. However this experience has taught me a nasty lesson which i will not forget. I am much for financially aware and i certainly would never take out a credit agreement ever again. To Dad. Thank you so much for your support. I could not have done this without you. After these letters were sent LOL agreed to pay me back all of the money i had paid in interest. However cheesy this may sound, you have made a massive difference to my life and i couldn't possibly thank you enough. Many thanks and best wishes A very relieved Waltolla

FAO The Complaints Department - Creation Consumer Finance Limited Re Agreement No: ******** Account No: ******** On the "Annual Statement" you sent to my address this week, you stated this :- "Amount of Credit provided under the original agreement: £1249.00" and also the "Date of Agreement: 27/01/2009". The original agreement i took out with yourselves (Creation Consumer Finance Limited) was a "1 year interest free agreement." As you have informed me the "Date of Agreement was 27/01/2009, this means that my "1 year interest free agreement" ended 27/01/2010. Please remember i have a copy of this document and will produce it if needed in a Court Of Law. In addition to the payments i made to you stated on this "Annual Statement," i also made 3 payments of £113.55 on the following dates, 01/12/08, 30/12/08, 09/01/09. Therefore the total amount i have payed to "Creation Consumer Finance Limited" is (11 months payment via standing order of £113.55 = £1249.05) + (3 months payment via direct debit mandate of £65.63 = £196.89) = £1445.94 To reiterate as stated on my "Annual Statement", (in your words) the "Amount of Credit provided under the original agreement: £1249.00". This means that you, (Creation Consumer Finance Limited) owe me £196.94. In a letter sent to me from yourselves (Creation Consumer Finance Limited), signed by 'George Sanderson', it states "Our decision to grant you a loan was on the basis that your repayments would be made by Direct Debit". This is incorrect. I would like the £196.94 that you owe me sent in cheque form to my address this week. I would like a letter confirming my account with "Creation Consumer Finance Limited" is closed and also stating that i do not owe the company any money. I am also asking for a REQUEST FOR INFORMATION UNDER SECTION 77 OF THE CONSUMER CREDIT ACT. Please send me all the information required under section 77 of the Consumer Credit Act 1974. I enclose a postal order for the statutory fee of £1. Yours Mr Waltolla

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After your last post i received these 3 letters (in 3 consecutive days) from creation. i will also post my reply