Hi all, If I were to declare myself bankrupt but first transferred my share of the mortgage to a family member or my parter, am I right in thinking that my home would be safe? Might be a newb question but I dont want to be made to sell it!! There is no equity in it anyway

Hmm, that one is a tricky one, we are struggling but not to the point that we are going to fail with the mortgage etc... I will have to do some research on the crisis loan

Unfortunately not

Thanks rebel, a good idea! I need to pop into the local branch to change my address today (so all the harrassment comes my way and not to parents) so will ask there

Hi Guys, After paying my bills religiously all my life and starting to see light at the end of the tunnel, I have now lost my job. Been out of work six weeks and used my meagre savings to pay last months bills! Spoken to CCC who have given me all the templates etc to send to creditors to offer a £1 token payment until I find work. Now, this is easy for my credit cards, but more trickey for my loan as its paid by DD. I am sending my letters today but the CCC say to make the first payment on your proposed date and not wait to hear back from the creditors (who will more than likely say no in the first instance) so I kind of need an account no to make the £1 payment to. Any ideas guys?

Hiya, thanks for the advice. Very informative. I feared that would be the case. I will bring it up at the first stage appeal though.

Hi honeybee, thats a good idea.I tried to post a link and it wont let me until I get to ten posts.

Hi, thanks for the reply. It is definately my job, a real kick in the teeth agian from them The emplyer sent me a letter after my dismissal to explain. They summised what I did as gross misconduct. I lodged an appeal straight away so I am somewhat aggrieved to see the job being advertised before they have heard it!!

As above really guys, Just seen my old job on thier site and I have not even had my 1st stage appeal yet:x

Nope, I dont think so Thats a shame, I know by thier very nature they will keep me waiting as long as they can!

As above really guys, being kept dangling even more by my former employers!!!

Lol, I like it!! I just dont think what I did can amount to gross misconduct without me being trained to carry out the procedure, the logic doesnt stack up!

Thanks for that, probably a good shout re: the first point! Company is looking to save costs elsewhere but the managment team is vastly understaffed as it is, my dept pretty much crashed whilst I was suspended and we are two months from Xmas our busiest period. It makes no sense. We do howwever have a new youung boss who has inherited some crap from the last boss, I know he has been warned about his own job saftey and think he is trying to be billy big balls by doing this and show everyone he means business!

Hi Guys, Just stumbled upon this place. Some advice if you could please? I have just been sacked from a managerial post after six years service for gross misconduct. Basically, I signed a form as a counter signitory to say I had checked something when I hadnt! I have not been a saint and have had first and final warnings before but these were years ago and my conduct had been exemplary since. I have been working my arse off for this company who continue to understaff the branch, I had been working double shifts and back to back 6 day weeks so I am dissapointed to say the least! I want to challege the decision but not sure if I have a case. My reasons I have stated on my letter which I am holding off sending are below: There are other members of the team who are guilty of the exact offence as CCTV will prove. There was an recently an instance of a check form being signed by another employee when no physical check had taken place, this was also deemed “falsifying a company document” but the employee remained in post. I was not on any form of warning for this or any other incident. This shows clear inconsistency when reaching the decision to terminate my contract. I was not trained to carry out a physical check required. Whilst I agree I did compile the same check for another department on a weekly basis, I had been trained to do so by the Risk Manager. The two processes are completely different. If this is a “business critical procedure” adequate training should have been provided for myself and other staff. The document should not have been brought out of the department by the stand in supervisor. Contact should have been made via the phone and a request for me to attend the department should have been made as with the weekly check in the other department. I was put under pressure to sign this as the department operative was “on his way home” and brought this up to me. There is indication on the previous audit in March that this has happened before, the audit was passed and no one was disciplined at the time for similar issues What do you guys think?