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  1. Large numbers of employers are it seems now in the habit of shortchanging their staff as a deliberate strategy to increase profits. At least 2 million workers a year in the UK are being cheated of pay they are owed. This estimate of the scale of wages theft comes from a new report from researchers at Middlesex University, which puts the value of the lost pay at over £3bn a year. https://www.theguardian.com/commentisfree/2017/nov/30/bosses-steal-from-low-paid-2-million-workers-cheated-wages HB
  2. Hi, couldn't find an answer to this but apologies if this has been covered before.. I am the owner of a small business and I have purchased an item from a well known online retailer. I wish to return the item I have purchased due to it not being as advertised. they have told me that because I have purchased this for a business that the distance selling rules where the consumer is entitled to a cooling off period do not apply and I am not entitled to return this product for a refund. is this correct? Thanks C22
  3. http://www.dailymail.co.uk/news/article-3081294/Britain-s-oldest-poppy-seller-dead-Avon-Gorge-aged-92.html This story of a 92 year old being hounded by charities, because she was kind with her money, should make people and charities think. 20 years ago, there were not so many charities around and people loyally gave to a few they had an interest in. In the last 10 years there has been an explosion in the number of charities and the amount of communications they produce. They have become businesses some of which may be more interested in making money for the people running them, than any people the charity is supposed to be supporting. I won't name the charities, but this is my experience. 1) Childrens charity - small DD payment per month. Every month a begging letter through the post with pictures of David or Sally, abused by one of their parents, with very sad pictures and story to go with it. They ask for more money to help David and Sally, so the charity can help more children. Stopped giving them money due to the constant letters. 2) Charity for the blind - After buying some raffle tickets for about £10 or £20, I kept being sent more raffle tickets every few months for the latest draw, with the expectation I would buy or sell them others. I would also receive phone calls from them begging me to take even more raffle tickets. Stopped giving them money. 3) Heart related charity - Gave a donation on behalf of a relative who died - Constant letters asking for more donations, as well as emails and phone calls. Some of the letters would have been expensive to send out, as they were large magazines Have not given to them since and they have stopped sending letters. I expect that everyone who gives to charity experiences exactly the same and I am not sure the charities obtain more money because they keep sending out begging letters. Perhaps they need to have a think about how they raise money.
  4. Small businesses are "drifting away" from bank funding, as confidence in securing loans falls to an almost three-year low. Just 40pc of companies with fewer than 250 employees reported using any form of external finance in the three months to September, the lowest level since the start of 2010, a key survey shows. The bank-funded Business Monitor also revealed that just one in three firms that are planning to apply for a loan or overdraft are confident their bank will agree to the request, down from more than half at the start of 2012, and a record low for the quarterly survey. EEF, the manufacturers' group, called for an "immediate review" of small business finance in light of the results, including a focus on increasing competition and making it easier for companies to switch bank. Lee Hopley, the EEF's chief economist, said: "Despite investment and investment intentions holding up this year, disengagement with external finance providers is on the rise. We need every pound of investment we can right now to support our SMEs growing into the globally-focused, mid-sized and ultimately large businesses of tomorrow." Shiona Davies, director at BDRC Continental, which conduced the research, said the results were down to a combination of a weak economic climate reducing the appetite for credit and an assumption that banks aren’t 'open for business’. Link: http://www.telegraph.co.uk/finance/yourbusiness/9706628/Small-businesses-turn-their-backs-on-banks.html
  5. Read more: - http://www.credittoday.co.uk/article/14526/online-news/businesses-may-be-forced-to-repay-consumers-for-mis-selling
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