Hi All, After a very recent successful PPI claim with Aviva I am looking at my other paper work/finances and wondered if you could help me please. Being very young and naïve I took out a mortgage on a low income when I was 18 with Norwich and Peterborough and fell into arrears this was in 1998, the situation escalated and we remortgated firstly with Preferred and then with GMAC who we are still with now. We managed to stave off repossession and I am thankful to say we have worked bloody hard in our employments and are in a much stronger financial position. We did however during the three mortgages gain mortgage arrears charges, administration charges, charges for sending a debt councillor to our homes, solicitors charges and also early redemption charges. Are any of those reclaimable? I have also from a bit of reading seem to think we may have a case of miss-sold mortgage between preferred and GMAC as the broker was well aware we were in arrears however did not properly assess our affordability for when we came out of a fixed rate period and the surveyor actually came in the home asked what we needed to borrow for the mortgage and wrote that down as the valuation without actually looking around our home. Is this true? Also my spare time is little as we have a beautiful severely disabled daughter so I fight battles on a daily basis so despite the fact they take a percentage for something as complicated as this seems would much prefer a cmc and can anyone recommend a good one? Claiming back PPI was easy but I am presuming (may be wrong) this will be much more complex. Also with the PPI Welcome rejected the PPI from 1999 and I have hit a brick wall as they were unregulated in those days - am I right to close the door on that chapter? Thank you so much for your help - the recent PPI claim you lovley people helped me with (2800.00) is paying for some very much needed adaptations for my daughter so you will never know how much this means. Thank you/

I'll try and keep this short as there is a lot of information. December 2014: asked Gym Etc to cancel gym membership as I was moving about 200 miles away. They said yes - cancel whenever. All i needed to do ws show proof of new address. Hadn't moved yet but was away all over Christmas, so wanted to cancel before we moved. Showed them estate agent contract on phone - they agreed I could go home and cancel it. Explained I didn't want to leave new address as my boyfriend is in the military (given current climate, this isn't unreasonable at all). From Gym Etc website: CANCELLATION Relocation: This agreement can be cancelled in the event that your new permanent address is more than 15 miles away from the facility upon receipt of a copy utility bill or bank statement showing the new address. Long term (over 3 month) illness or injury: This agreement may be cancelled in the event of an illness, injury or medical condition which in the written opinion of a doctor or other suitably qualified medical practitioner prohibits exercise for 3 months or longer upon appropriate proof being provided. Redundancy: This agreement can be cancelled upon appropriate proof of redundancy from your employer or other loss of livelihood. Pregnancy: This agreement can be cancelled if you become pregnant upon the appropriate written proof being given.Please note – ANY Cancellation for the above reasons will not be effected until the appropriate proof is provided and received (in writing or via email) by Harlands or the club. 5th January 2015: First letter from Harlands Group. No contact from Gym Etc. Said I owed them £25 in admin fees, and had to clear 'arrears' on my 'account', which was now £44.99. This includes £25 admin fee and £19.99 monthly gym price. 19 January 2015: Called Harlands (first mistake - should've kept it all in writing). They said they would contact the gym after I explained they said I could cancel it. 2 February 2015: Next letter from Harlands. Still no contact with Gym Etc. My 'account' is now £89.99 - can't work this out at all and there is no breakdown. 11 Feb 2015: emailed Gym Etc. They said I had to send proof. They said they didn't say I could cancel it. I sent my pay slip (blocked out all information including post code and house number). They said they would accept this as a 'good will gesture' and my cancellation would be affected after 30 days, as this was my 'notification'. They said all charges would still stand. I said no. Their terms don't reference a 'cancellation form' or a 'notice period'. They said i was in a '12-month legally binding contract' so I asked for a copy of this contract. They simply send me a link to the terms that I have read about a million times and found several faults in. Mainly, that the 'Please note' section is included within the 'pregnancy' bullet point, so why would I read this?! Proper proofreading evidently isn't their skill. Terms: won't let me post the URL but its under 'terms' at the bottom of the Gym Etc website. They copied and pasted the last point from the 'automatic renewal' paragraph with the about cancellation. I told them putting these separate pieces together doesn't make them match up whenever they want them to. Idiots. Emailed Harlands telling them I owed them nothing, explained everything. This is their reply: We can confirm that we have been in contact with the club who have confirmed that a cancellation has not been agreed. We will need to see a copy of a utility bill or tenancy agreement to prove that you are now at a different address. Your arrears still stand, your membership is still in default. The club have advised you are aware of the membership you signed yourself in to, also the members of staff at the facilities do not agree a cancellation verbally. Please forward us this proof other we will be unable to cancel this contract, please note that further charges may be applied to the account if you choose to ignore this email. I'm treating these as different matters as I never entered into an agreement with Harlands, and I do not have any such account with them. I called Citizens Advice Bureau who advised I write to Gym Etc and say they are in fact in breach of the terms of the contract as they said I could cancel and are now pursuing me for money I do not owe them. Thoughts, anyone?

My Dad passed away recently. He died without leaving a will. He did not own any property, had no cash or assests. On his death he had a basic bank account which contained a few hundred pounds of Social Services, Direct payment money - ring-fenced to pay for his social care only. I contacted the bank and they were willing to administer and close down the account without the need to apply for a grant of administration. The money in this account has been repaid to social services and the account closed down. There are no assets - only personal possessions. The most valuable item is an MP3 player worth maybe £30. His funeral expenses have been divided out amongst the family. Unfortunately he left unpaid debts which he'd been making token payments on for a few years since he retired on health grounds. All of the debts in question are in his name only. I've been writing to his creditors with a copy of the death certificate and a simple letter explaining that the estate is insolvent. Today I've had a letter from a company called Assisted Probate Services. They've been instructed by their client - Experto Credite (who were handling one of my dad's debt on behalf of Barclays). The letter is asking for details of my father's executor with the aim of recovering the debt from his estate. I am wondering how to handle this letter. I am minded either to ignore it: it is addressed to the executor (technically as there is no Will, there is no nominated executor) or reply with a short letter explaining the circumstances. Another reason for writing to them is that I am assuming this company is associated with a debt collecting company and so might resort to their tactics like phone calls and threatening to call in person - so part of the letter would be to withdraw permission for them to call or visit. Alternatively is there anything else I should do? Thank you in advance.

Hi all, Question........... I work for a company that over the last 12 months has introduced the NPS/CSAT system into my working day as follows: I attend my employers customers households, carry out work and that's my job done but now the customer receives the NPS/CSAT via Email or txt message to respond to. I have been told by my employer that I MUST mention this NPS/CSAT to the customer as part of my job which I do I also give the customer a card with details on mentioning this email/txt message they'll receive but............. I have no control over what the customer does after my visit and my employer is stating I have not received enough responses to these messages so I'm being taken to a disciplinary over the lack of responses. My work stats are 100% across the board and the only downside is this NPS/CSAT that are not forthcoming but my employer has stated that other employee's are getting over the minimum replies needed but that's because these responses are associated to a monthly bonus which other employee's rely on to top up their wage. Therefore other employee's are stressing to customers they need these surveys or they will lose money, I don't like this way of doing things and leave it to the customer if they wish to respond or not Im not worried if I get a bonus. Now, as far as I'm concerned I have and are doing everything I can by telling the customers and giving a card out explaining they will get the NPS/CSAT message but I don't have any control over what happens after I leave the customers house so. Where do I stand with this? Regards

Hi All Was wondering if you could shed some light on this for a friend of mine please. He had a accident and sickness policy cancelled by his insurer as they claim he did not inform them about the date he started back to work hence they stated that they had over paid him. He disputed this as originally he was told by one of their advisor's that if he went back to work on a phased return the claim would continue so long as he did below 16 hours per week which he did for a month, they stated he should still have informed them that he had gone back to work even if it was on a phase return, he explained that this was not done intentionally as he had nothing to gain by not informing them and it was just misjudgement on his behalf as did not think he needed to inform them based on what their advisor had previously told him and he only claimed for the month in which he was on phase return for under 16 hours and proved such. They then sent him a letter stating that his policy had been cancelled but nothing about owing any money, he decided to raise a complaint as he did not like the tone of their letter and what they were insinuating, it was as though it was the crime of the century or something and he said If needed he would take this up with the FOS. Next thing he know's he gets a letter from their complaint department stating that they have upheld their decision to cancel his policy and would be also asking for recourse for overpayment and would be in touch in due course ( he thought Funny how they did not mention anything about recourse for overpayment in their cancellation letter, but as soon as he raise a complaint and mentioned about going to the FOS) We are talking about a couple hundred quid here at the most which he said to the insurer just send him the bill and he will gladly pay it then he can take his case to the FOS, 5 months passed no bill arrived he rang the same person from complaints to ask in light of his letter why had he not received a bill, the advisor stuttered and said "oh its quite a long time ago and he would get in touch with the underwriter and would ring him back ASAP, couple of days went by no answer he rang back, the advisor he spoke to was apparently on leave, he was not happy about this as the clock was ticking for the 6 month period for him to complain to the FOS so after a-lot of he wont get off the phone until he speak's to a manager he finally got to speak to one. He explained the situation and low and behold he then gets a email from the manager the day after stating that they are not taking the matter any further?????? My personal opinion is that they just wanted shut of him because he had been diagnosed as having degenerative disc disease and they have tried their best to get off paying him in the first place as they know from his consultants report that it is only going to get worse to me this was a perfect opportunity to get rid so to speak, also I reckon they were waiting until the 6 month period had elapsed before they sent him a bill so he could not then complain to the ombudsman. What he would also like to know is does he now have to disclose this to other insurance companies now like Car Insurance or home insurance etc. Tinks

Are virgin media blocking the above ? For some reason when the above apps are being used wirelessly they don't work. When wireless is switched off they work ?

hi had a Barclays additions account up until recently which I paid off. i want to claim for charges etc on the account, how would I go about doing it? any advice would be great thanks

Hi all, i'm desperate for some help! about 2 years ago I received a letter from HFO services to say that I owed £6k+ from an old Welcome loan. (included interest/fees etc) They threatened me with baliffs etc unless I set up an agreement. I made it very clear that the amount they were stating seems very high in comparison to original amounts I borrowed (which I think were around £1,000-£2,000). Bear in mind that the loan was from around 2005. Under duress I set up a plan for £50 per month but told them that I still wanted to see the original agreement. 2-3mths pass (still making payments to them) and I decide to stop paying as I still hadn't received any documents to support their claim of the above amount. Needless to say, I received another call to ask why i'd stopped paying... I explained that I wasn't happy with the amount they were claiming I owed and was told that they had requested this, but they didn't need to, they had all of the original amounts in front of them, and that if I didn't start making payments again, they were resume court proceedings etc. I started paying again. Again, a few mths passed and I hadn't heard anything so stopped paying again. Then a Claimform arrives for the full amount of over £6,000 I had no option other than to complete the affordability request and offer of payment (again, £50 per mth). This was accepted and I have had an attachment of earnings ever since. This has been on for over 1 year now. On the claim form, I included a long letter explaining pretty much the above story on requesting documents etc. There isn't a month goes by without me wondering if I have done the right thing. Clearly, I did not attend the CCJ hearing (if there was one), and now the A.O.E. is in place, I cannot stop paying as my employer will not remove without the Court requesting them to do so. My questions to anyone on here would be: 1) How on earth were they allowed to apply for a CCJ and/or A.O.E. without proof of the original loan amount? 2) I have tried Googling for ways to contact HFO Services, yet cannot find anything, does anyone know if they even still exist. (If they don't, who am I paying every month?!) 3) Have they broken any rules based on what I have explained? I had an argument with someone over the phone at HFO that I felt that I was being held ransom as they rang me and told me I owed them £6k+ but they didn't even have to prove it! Now I have an A.O.E. I feel totally trapped! I would really appreciate it if anyone can offer any advice or if anyone has been in a similar position or could advise what I could possibly do??? MANY THANKS!

we currenty rent and have done for the last 4 years, 2 years in to renting, the estate agent closed down and some 1 else took over, this person just manages it on a private basis from what i can gather, we pay rent monthly in to their bank, then they take a cut and pay the rest to landlord. since this chance we asked for a new contract but it never happened, our bond got trasnfered to their name under the dps scheme, but nothing else happened. the last landlord safety check and boiler service was 2012, few weeks ago the carbon monoxide alarm went off, so i got a gas safe engineer to come and find the problem, it was the back boiler, it was very dirty/dusty (no service for 2 years!!) I got it serviced and paid for it my self as didnt want to bother landlord as hes already considering selling the house! anyway we have managed to buy our own place and should get the keys next week, but we are wondering since theres no contract in place or anything, do we have to give 30 days notice, or can we give 24 hours notice or what? also where do we stand with having no landlord check done, we have a 12 week old baby, if we didnt have that alarm, things could of been alot different! thanks in advance for any advice or info.

Do the site team think that the issues of the last day or so are fixed? Please advise if not and when you hope they will be so we don't all keep whinging about it and adding posts with "helpful" advice.

I'm not sure if this is the correct forum, but I hope it is. I had a mortgage from 2000-- 2010. I was declared bankrupt in 2010. A very close friend ( he was like a brother to me). purchased my house in his name thus clearing the mortgage. This enabled my family (wife and 3 children) to carry on living in our house. We were very lucky to put it mildly. My question is as the mortgage is paid in full, can I claim back the charges for the 10 years that I had the mortgage? If so how would I go about this. Any advice would be much appreciated.

Hi, My question is complicated but someone will be able to decipher it. I work part-time 9am until 2pm every day, my colleague works part-time 1pm until 5pm. I wish to clarify regarding holiday entitlement. I know exactly what I am entitled to but my question is we have half-days in work where the office is only open from 9am until 1pm which means that I require to come in but my colleague doesn't. Is there something out there that would mean I would be entitled to four of my hours back or is there nothing I can do. I find this extremely unfair as we both work in the same office, do the same job and do just about the same amount of hours. Can someone please help? Thanks

A chap in Bromsgrove decided to take his family out to lunch, they parked their car in one of the council-run car parks and put a £I in the machine for the privilege. When he returned to his car there was a penalty charge on his windscreen for £25. He was 7 minutes late, when you have a couple of kids to control it can take you a little bit longer getting back to your car. (but that is beside the point). This he felt was very hypocritical when, at the same time this car park was taken over by a group of (so called) travellers who were camping in the car park. He thought it would be interesting to see what sort of parking fees or fines they have paid.’ So he wrote to the council and asked them why should motorists be fined for over staying by a few minutes when travellers can occupy a car park for months without having to pay a penny? This is the reply he received. ‘There appears to be some confusion regarding the basis upon which the travellers were on the car park in question. ‘The position in respect of any normal user of the car park is that, by entering and parking their vehicle, they are entering into contract with the Council to pay a sum of money in return for the Council allowing them to leave their vehicle for a specific amount of time. If the vehicle is left for longer than the paid for time, no payment is made, or there is a failure to comply with parking regulations, there is, in effect, a breach of contract which entitles the Council to make a penalty charge. This is the bit I like!!! ‘In the case of the travellers, they were on the car parks as illegal occupiers and, as such, there was no contract with them as the purpose for which they entered was not permitted. ‘In the circumstances the appropriate course of action was not for “breach of contract” but for “illegal occupation”.’ So here’s a plan. Since councils will ignore all attempts to stop them screwing the motorist, next time you get a ticket refuse, to pay it on the grounds that you’re not actually ‘parking’. Say that you’re ‘illegally occupying’ the bay for half an hour and therefore the usual rules don’t apply. Let the council’s lawyers pick the bones out of that. Better still, swap your car for a Toyota 4x4 and a caravan and park where the hell you like. Full Story ...

Hi, Does anyone have an email address for reliable collections? I have a few accounts with them, but dont want to pay a fortune on postage for all of the accounts. Appreciate it.

Hi What are your opinions on Weight Watchers, Slimming World, Rosemary Conley and others? I have tried the first two and only ever seem to lose on the first week or two. I then plateau or go up and down a bit. So I give up. I have only 30 pound to lose which might seem a lot to some but it's not enough to make me lose big, just the usual pound a week type of loss. I'm an impatient person. I was slim all my life until I hit mid 40's then I started gaining. Low carb does ok for a while but I'm vegetarian so it's difficult. And I can't cook very well, eg healthy lentil dishes! I was doing ok on WW a year or so ago but then they changed to their new ProPoints system which gave me too much food and weight loss stopped. Any thoughts? thanks Eve

Hi all, I will keep it brief. I bought a car from BMW a few weeks ago, the price quoted on the New Order Invoice jumped a day later to include £2k of 'extras' that were added to the finance document! I didn't notice them until I had signed, but unfortunately for the dealer I did notice later on (after collection) and requested they be refunded ASAP. The products/services were: Tyre Insurance GAP protection Chip Protection and Gard X Paint protection crap (£500) The first 3 were refunded, the dealer refused to refund the last 1 as the GardX has already been applied apparently! Of course this made me very angry, why did it mysteriously appear between invoices without anyone even mentioning it.. They didn't even provide me with the new invoice until I had to request it. Anyway upon requesting the refund for GardX, the dealer said it was not covered by the 14 day cancellation period that is applied to all insurance type stuff and had already been applied etc so they had incurred costs. Not really fair as I didn't ask for it or know I was getting it, but fair dos I signed on the dotted line, if you like... just chalk it up to experience and never go back.... However the GardX pack I have, includes a pack that refers to it as a 'warranty (i.e. we will come out and repair your car if X and Y are met, which of course never are). Is there any grounds for cancelling this still? One other interesting thing the dealer said, that GardX is automatically added to the invoice and then cancelled only if the customer requests it, before it's been applied. Is this some sort of grey legal area they are occupying? I paid for the car on finance, surely this cannot be completely above board to do that and not mention it. If anyone can help me take this into a suitable direction, either to SMC or FoS/TS, I would appreciate any guidance, I am livid!

Hi, hope you could shed some light on the matter? I have recently bought a car (1992 modern classic) off ebay sold as 'spares or repair' with no mot & sorn since 2005. Since owning the car i noticed it has had a replacement front bumper and bonnet (car blue but replacement panels mentioned before being painted were red), i only noticed whilst sorting out the expected niggles ie commissioning/servicing etc). The car did come with a v5 (which has been completed/signed and sent off) keeping the green new owner slip, now waiting for new V5. After noticing the change of panels this made me do a car check and it came back as a cat C in 1997. The car did not come with any past mot certs etc only apart from V5 mentioned and has got a few old tax discs in the windscreen upto the year 2005 (so obviously has been driven after 1997 upto 2005). I havnt received the full V5 yet (only been 2 1/2 wks) and have not mot'd or taxed it yet. I was waiting for the new V5 to come through the door before doing anything else. So my main query is with the dates(yrs) i have given and the car showing it has been taxed up to 2005 and the cat c being issued in 1997 does this mean its had a VIC check and if not/or so will i need to have another one done????? I didnt check on the V5 when i was filling in my details to see iif it was recorded as a cat c ( i know silly but never been in this situation before and not that bothered as the car was cheap but a useable car that seems to drive spot on (on private land of course Forgot to mention the car did come with an temp export cert as the car was driven in switzerland for about 10 mnths before returning back to the uk in the year 2001. Car was put into storage due to family bereavement in 2005. All your thoughts and help would be appreciated, thanks in advance.

Hi all I'm looking for advice on defaults / credit reports / scores as I'm getting totally confused. First a bit of history. Back in 2004 I got in a right mess with several different lenders totalling over 35K, all personal loans, CC's. I entered into a DMP with Payplan & although the first few years were a bit up & down, I finally finished that in May last year. During that time some of the debts were sold on to collection agencies, some were passed to other lenders when they were taken over, an Egg loan being one example. Because of the way the debts were handled, defaults were issued at different times, but the very last one has it's 6th birthday tomorrow. I have just done the free 30 day trial with Equifax & indeed only the one default shows, but they give me a credit score of 359. I read on here people with much more on their reports with higher scores, so I'm a little confused. CheckMyFile has my score with Equifax at 545. I am waiting for reports from Experian & Callcredit. Currently my report show's me up to date with Vodafone, Capital One CC, a new Capital One CC approved in the last couple of weeks, and no problems with my bank acc's, all this with no payments missed. It also shows one of my old debts with Northern Rock as 'arrangement to pay' but settled last year. Lastly it shows a settled loan with Co-Operative & a settled utility with BT. I am on the electoral register, havn't moved for 19 years so all good there. My red bits in Equifax score is the one default which reports an unpaid amount of £2200. This is all paid & done with & as of thursday no longer a part of my history, so should I expect to see a big improvement in my score? Many thanks in advance

HI All, Seen this Forum and was really impressed. So though I should join and ask advice. I currently work for a NHS department and am contracted an average of 4.5 hour per week in 1 role. On top of this I usually work an additional 15-20 hours per week in the same department but carrying out another role. (Hope you follow me so far) As the NHS is going through changes, the contract for the second’s role has been won by another company and the majority of staff working on this role is being TUPE'ed across to the new company, now this includes some people who are on Zero hour contracts. My query is that because my contracted hour are for the work which is staying within the NHS my line manager has said that I do not qualify to be TUPE'ed across even though the bunk of my hours are with the job role which is moving. As you can imagine I stand to lose hundreds of pounds because of this, I have continuously carried out both roles for 10 years. Could anyone advise me if what my line manager has said is correct please? Kind regards Craig

Hi All, Im new here for starters so hey go easy I have an issue within my work place, its in regards to 'my' agency staff - or the ones which work for me on the shift i run. So i run a shift monday to friday after hours its a 7 hour shift with a 20 min break inbetween- im the supervisor of the shift and i have 16 bodies under my control to manage the business. The issue is for the past couple of weeks ive been asking their onsite 'account specialist' for the holiday balence, because they acrew holiday and i needed to know to get them all to take them. So their holiday year runs from February, and they have a 2 week grace period to take their entitlement, they are not allowed to carry them over, get paid for them etc so its a case of use them or lose them. ( i got the balence sheet on monday - yesterday) now im between a hard place and a rock because i have 16 staff who all want to use what they acrrewed which would be 32 days but only 9 days to use them in im only allowed 2 people off per day it doesnt add up. yesterday i terned round and said ok, i'll allow a maximum of 3 people off per day to make it fair and allow everyone time off. however my manager was really really unhappy with this decision, because operationally we wont hit our targets, which will cause a loss of revenue: which looks bad for me: my manager also pointed out i should of put business needs before that of the employee's in other words, its a case of tough luck not everyone gets their holidays. ( which to me is really unfair.) Im currently in the process of having to write an email to him, so he can send that to the site manager and then to the site managers boss ( the people you only ever see when its s**t creek and they are angry haha) i just want to make it proof enough so essentially ive said the right things and made the right decision. Thankyou, Ben.

I resigned giving proper notice etc. The following day my manager told me to treat my last day as yesterday. I assume I am to receive PILON but was not expressly told of such. Should I have been told of this, either Verbally or in writing? I feel quite hurt by this because it certainly does not encourage me to give notice in the future if the company can just end my employment like this.

I won my appeal in august this year but the appeal judge said if they could have based their decision on facts at time of appeal I would have been out in support grp.....(they had to make their decison back to DWP decision date of 2011). I was advised to submit all supp evidence to DWP for a re-assessment...but they will not do this? What do I do now? DWP paid me my back money I was due and have not had to attend any wrag grp interviews....

I thought there was some guidance or regs which stated they cannot ask you to borrow more or use credit cards? The DCAs letter has a logo of visa etc cards and then states below pay using debit or credit card. Any further clarification or assistance on this as I am hoping to formulate a letter on this alone to them and to OFT if my assumptions are right?

Hi everyone, first post so be gentle! Im posting on behalf of my partner, who is potentially facing dismissal. he works as a nurse at a large private nursing home (and has worked there for 10years). Several weeks ago he was suspended from work pending an investigation as serious allegations of abuse had been made at him. At this point no further details were given. he told me that he had no idea what it was about, and as I was aware that situations such as this were fairly common at this home due to misunderstandings, misinterpretation etc.(and they were usually resolved after a couple of weeks) I told him not to worry. However I did advise him to keep a detailed diary and do all correspondence by email where possible etc. He went to an investigation interview, but it was quite vague. Anyway, shortly afterwards the company got in touch to say he needed to attend a disciplinary hearing for alleged gross misconduct (and that the care authority had been informed of the allegations against him). After receiving the evidence against him, we realised that some of my partners colleagues had ganged up to try and force him out. it also became obvious that the company had made a complete hash of the investigation (2 witnesses were making the allegations, but their statements contradicted one another in several places and contain some very odd statements, people not interviewed properly, evidence ignored, anything that backed what my partner had said was suppressed from the head manager of the disciplinary hearing etc.). We also realised that several witness statements were missing and once we received them they completely backed my what my partner had said. Unfotunately the elderley resident that this resolves around is unable to communicate. We began preparing a statement for the disciplinary hearing, and as it seemed pretty clear what outcome the company had hoped for, we had a meeting with a solicitor who advised us to tell the company everything that was wrong in what had happened, as it all seemed very dodgy. I was sure that the company would carry out a further investigation after my partner had forwarded them his statement, as it was so strong and backed by alot of evidence. I was surprised when the company told him that they basically wouldn't investigate anything my partner had informed them of any further. I suggested that he should raise a grievance before the disciplinary reached a decision. An interview was held with a senior manager, who seemed to take what my partner said very seriously. we have now received a response, and basically the company has said that his grievance has no substance (this is despite it being supported by a lot of evidence). I've looked at the response in detail, and it is very vague in places, and I wonder if the company has hired a solicitor to write it (as this company has done in the past when caught in a tricky situation) my partner has appealed this decision, but im fully expecting them to uphold the original decision. my partner has maintained from the beginning that the allegations against him have been made up. So basically i'm after advice on what we should do next? is there anymore we can do? The entire disciplinary is relying on the evidence from these two witnesses, and the company is refusing to acknowledge what they have said happened doesn't make any sense (despite it being written in black and white), and is refusing to question them further on this. It seems like the two of them are just going to get away with doing this, which seems really unfair considering the hell weve been through. If my partner is dismissed he won't be allowed to work in the nursing industry again, and it's all hes qualified for, so this has all been rather stressful... The solicitor advised us to get back in touch with her as soon as the disciplinary panel reached a decision, as she felt that if dismissed, my partner had an extremely strong case of unfair dismissal, so we are just waiting for a decision at the minute from the company.. I have recently heard a rumour (from more than one source) that one of the accusers has done something similar to this in a past job, but got rumbled so quit before being pushed. Is there anything we could do with this information, or is it just best to keep it to ourselves? sorry for the long post, its just been such a nightmare, any advice appreciated

Hi Everyone, I've read loads of threads/posts where the above muppets have been reported to Trading Standards and the Office Of Fair Trading etc. Has anyone ever received notice that action has been taken against them, I know they are still upto their old tricks cos they are still sending me letters. Cheers Wooks001