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Found 16 results

  1. Wheres my Murdock sky takeover thread gone? Murdock controls this site does he? Explains the policies and practices here.
  2. In the dim and distant past when I first left school and started earning my own living, I also started contributing to an insurance plan which promised me a wide range of benefits in return for a proportion of my salary. According to the rules then, once I had been in the plan for at least two years I would receive at least enough money to live on, for as long as I needed it, should I become unemployed or unable to work due to illness or disability and, once I had contributed for 20 years, I would receive a pension when I reached the age of 60. I dutifully contributed to this plan for 24 years without making a single claim, but then a sequence of events left me permanently unfit for work and so I claimed. At first there was no problem - I was so clearly severely ill and disabled that there was no question of not paying the promised benefits until such time as I was entitled to be paid my pension instead. At some point during those 23 years the age at which I would be entitled to my pension had increased to 65, but that didn’t really matter as I still had my ill health benefits to rely on. Unfortunately the company paying my benefits came under new management and decided to change the rules so that I now had to meet very stringent criteria to continue receiving any benefit, and unless I met the most stringent of these, I would only be paid for one year. Also, they increased the pension age by another 3 years, meaning that if I didn’t qualify for the ill health benefits, I would have no income for 17 years. I am one of the lucky ones who did continue to receive benefits beyond that single year, but there’s no certainty in it because not only can this company apparently change the rules whenever they like, I have to rely on those rules being fairly applied not just once, but every time the whim takes them to reassess my claim, regardless of any and all medical evidence suggesting that not only will I not get better, but that my condition will only deteriorate. I am now at the stage where I need more and more care, but we can’t afford for my husband to take early retirement to look after me as we can’t reliably predict if our income will permit it should the rules be changed again. Even if he doesn’t retire early, he’s in a profession in which he cannot continue beyond age 60 but his pension, from the same company, won’t be paid for 8 years after that despite him having already contributed for 42 years, making it even more vital that my ill health benefits continue to be paid. Had we not contributed to this insurance plan, indeed had we not worked at all and relied on handouts, we’d be no worse off so a combined 66 years of contributions has earned us precisely nothing and there is unfortunately nothing we can do about it. The company is of course the government and so they can apparently do whatever they like, whenever they like. Can you imagine the furore if a private company had continually moved the goalposts like this?
  3. I have monitored this CAG forum for many years and since the introduction of the Taking Control of Goods Regulations almost exactly one year ago it is clear that the level of forum posts has dropped dramatically. I would also suggest that the seriousness of the forum posts has reduced even further with many just asking what to do after receiving the NOE or questioning other forum guidance. All in all a positive thing for the enforcement industry as whole wouldn't you agree?
  4. Ok this is one that affects me directly so guidance is needed. I work for a large retailer and as part of my job they can change my shifts / hours to "suit the needs of the company". Because of this my shifts have been changed on 3 occasions causing major upheaval and stress within the family as we try to juggle time. I originally started on days then was moved to nights then twilight then back to nights all to suit the needs of the company. However now they have decided that they are changing the way replenishment is done ( Not my roll ) however this means the closure of the night shift which I am on ( Not through choice ). I have been reliably informed that the roll I am doing is not being made redundant but is being moved to an earlier twilight shift which I am happy to move to. But now I am being told that as the roll is moving to twilight I will have to re apply for my own job ( To make it fair to others? ) what about fairness to me? A job I have done for 8 years I think they are doing this in order to force redundancies of over staff and possibly as a way to change my contract to remove my Sunday premium which makes up my wage. My argument against having to re apply is that the company have used the " needs of the business" speal to change my shifts on 3 previous occasions and I was never required to re apply but now they want to change the goal posts to push though their agenda which could ultimatum lead to my redundancy cos as a union rep I am sure I would be in the firing line as the new CEO Is anti union. I am getting ready to address the current situation through the consultation process but would like some guidance on recourse, questions to support my current concerns and ultimately highlight any areas to take further should the worse scenario play out. At 50 I know if I end up out of work I will probably never work again. I have worked almost continually since leaving school.and cant see myself unemployed. Advice please. Cheers Bill
  5. I do find that that the bailiff advice part of the site has been taken over a little by 'industry reps' who often support wrongful actions by EA's or HCEO's, without any helpful advice for Joe Public about what they can do. The replies often supports the actions of their colleagues in the industry. I think this is something that the CAG site team should keep an eye on. People come to CAG for fair balanced advice, which should hopefully enable them to resolve their problem. If CAG allows the site to be taken over by anonymous industry reps, it could damage the reputation of the site and people may be more tempted to use 'interesting' advice offered elsewhere online. I know others offer advice which is more independent, but thought this needed to be said.
  6. Hi, I thought I'd see what I can do about settling a joint ge money loan taken out approx 7 years ago. Unfortunately I've been reading posts on here and now think I'm in for a rough ride : I spoke with them last week and have a settlement figure of 4.5k although the original debt was only about 6k. I was actually hoping to be able to offer a reduced full and final settlement but from posts on here it seems highly unlikely. The loan was taken out jointly by my ex and myself. We split and had a couple of joint debts so we agreed to take one each, I'm stuck with this one. I have absolutely no idea what I can do or need to do to get this from around my neck. I haven't missed any payments, although they are usually a week or so late ( now a single parent) The account isn't in arrears ATM as I'm usually borrowing from my parents to make payments, a friend of mine has offered to help me clear it as it's going to take me about 30 years to settle otherwise. Any help or advice would be hugely appreciated x Thank you sooo much for reading Pjs girl x
  7. It isn't working for me on Firefox anyway. Fine on Chrome. Any ideas?
  8. new to CAG able to post new threads but unable to reply to posts received to the thread only option is "quick reply" and on click available is "new thread" which wipes out my post reply-whats going on???
  9. Please can the new posts search button contain posts I have read? Currently, if I reply to a thread it does not appear in the search result unless someone else has subsequently posted a reply. Preferably, new posts should be all posts since I last logged in. Including replies. If this is not possible, please change the name of "new posts" to "unread posts".
  10. Apologies in advance if I am being a tad thick but can somebody please advise me how to remove a post made by myself ? Cheers.
  11. Lloyds reports third-quarter pre-tax loss after state-backed lender sets aside extra £750m for PPI mis-selling claims Lloyds Banking Group has increased its compensation fund for victims of payment protection insurance mis-selling to more than £8bn, pushing the lender to a third-quarter loss. The taxpayer-backed bank put aside £750m against PPI, taking its total bill to £8.03bn, by far the largest provision made by any British bank. The new provision pushed Lloyds to a third-quarter pre-tax statutory loss of £440m, driven in part as well by two one-off writedowns on the sale of the bank's German insurance business and Australian operations and futher Project Verde writedowns. Despite the charges, Lloyds' results for the first nine months of the year were up £2.3bn on the loss it made in the same period in 2012, with the bank reporting a profit of £1.7bn against at £607m loss the previous year. Antonio Horta-Osorio said the lender's profits were growing "in a healthy way" and confirmed the bank had begun talks with the regulator about resuming dividend payments at its full-year results. More: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10410754/Lloyds-posts-quarterly-loss-as-PPI-bill-rises-above-8bn.html
  12. Newbie here with lots of questions for my problems and also with questions on behalf of my mother. Looking forward to hopefully getting some advice, information, guidance and support from the forum members as I'm new to all this reclaiming stuff and also I don't know if I'm too late for some of it. Going to start searching to see where to post 1st question. Is there a forum guide that I can save or download?
  13. Royal Bank of Scotland has reported its best quarterly result in more than a year with a pre-tax profit of £826m and said it expects the goverment to be able to start selling its stake it the lender by the middle of next year or even earlier. The profit for the first three months of the year compares to a £1.5bn loss in the same period in 2012 and a £2.2bn loss in the final quarter of last year, largely as a result of a fall in impairments in losses from RBS's "bad bank". Stephen Hester, chief executive of RBS, said the results showed work turning around the performance of the taxpayer-backed lender was "nearing completion". “These results show pleasing progress in delivering a strong and valuable RBS for all our stakeholders. We expect to substantially complete the bank’s restructuring phase during 2014," said Mr Hester. He said the bank was seeing the "start of a pick-up in loan demand" and RBS had a "strong surplus of funds ready and available to fully support economic recovery". Sir Philip Hampton, the chairman, said in a video statement that he expected the government to start selling shares from the middle of 2014 - or maybe earlier "depending on the government". Mr Hester said there had not been any recent discussion about the privatisation with the authorities, but added that any sale would be "terrific for the country". Losses form impairments - or bad loans - fell by 26pc to £1bn from £1.5bn in the final three monhts on the last year. It has now seen a 79pc reduction in non-core assets since it began restructuring in the wake of the financial crisis. Core lending to small and medium sized businesses rose 1pc from the fourth quarter to to £34bn. UK residential mortgage lending remained broadly stable at £110.2bn. Link: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10034885/RBS-sees-government-stake-sale-next-year-as-it-posts-quarterly-profits-of-826m.html
  14. HSBC has reported a £13.7bn pre-tax profit for 2012 as the bank was hit by further misselling provisions of £1.5bn and its £1.2bn fine from US regulators last year The bank saw profits fall 5.5 per cent last year, down from £14.4bn in 2011. The bank has set aside an extra £1.5bn in 2012 to cover compensation payments for the misselling of financial products, including £1.1bn to cover costs related to the misselling of payment protection insurance and £397m to cover costs relating to the misselling of interest-rate swaps. In total, HSBC has set aside £1.6bn to settle PPI-related claims. HSBC also had to pay a £1.2bn fine from US regulators last year to settle a money-laundering inquiry. Total group revenue fell 5.6 per cent from £72.8bn to £68.3bn. The group’s core tier 1 capital ratio increased from 10.1 per cent in 2011 to 12.3 per cent in 2012. HSBC’s European division made a £2.3bn loss in 2012, due to a £2.7bn write down in its own debt. The previous year it made a £3bn profit. In the UK, the bank lent £16.4bn to mortgage customers in 2012, up 24 per cent on the £13.2bn lent in 2011 and £4bn more than its original commitment of £15bn of new mortgage lending in 2012. The bank approved £19bn in total in 2012. The bank had a 12 per cent share of the UK mortgage market as at the end of 2012, up from 10 per cent a year earlier. Group chief executive Stuart Gulliver says: “Although reported pre-tax profit fell by 6 per cent to US$20.6bn [£13.7bn] in 2012, underlying profit, which includes the impact of fines and penalties and UK customer redress provisions totalling US$4.3bn, grew by 18 per cent. This was primarily due to revenue growth, notably in global banking and markets and commercial banking, and lower loan impairment charges in North America. We regard this as a good performance.” Link: http://www.mortgagestrategy.co.uk/latest-news/hsbc-posts-137bn-profit-but-sets-aside-extra-15bn-for-misselling/1067038.article
  15. I used to know how to do it but have forgotten over time as I haven't had cause to use it. I have tried looking for it on site including Bookworm's excellent post http://www.consumeractiongroup.co.uk/forum/showthread.php?107001-quot-How-do-I...-quot-A-Dummies-Guide-to-this-Forum I know it requires the use of "color" within parentheses at the beginning and end of the statement, but I cannot remember what the magic words are. Or perhaps some one could kindly tell me where to find it on the site. Many thanks.
  16. Hi, My wife has a disciplinary hearing at work because she stupidly made comments about work on facebook and somebody screenshot these and give them to her boss. She basically said her work was a sh**hole and that she couldn't wait to get a new job so she could leave. She has now been suspended awaiting a disciplinary hearing which is this Wednesday with her manager and HR. My question is - what is the most likely outcome from this? She has no warnings at work but people have said she might get fired .... is this likely? Thanks Krav
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