Hi all, I have a car on finance, which two days ago caught fire and is a write off, can I terminate my contract with the finance company under 'frustration of contract' as the finance company can now no longer supply the use of the vehicle to me under our contract? Just wondered what people's thoughts are on this. Many thanks for all and any replys Moonlandings

Hello All I made this SAR request to the Energy Ombudsman (E-O) as I wanted to see what Npower submitted to them as evidence to back up their response to my complaint with them. Npower are reknowned for saying they have done everything correctly but not substantiating anything with hard evidence. My questions are: 1) There are some emails between Npower and the E-O where the NPower's persons details (name number email etc) have been redacted. Is this permitted? Why? 2) The E-O hasn't sent me any evidence from Npower to substantiate their response to my complaint (but they did include the emails I sent them as evidence) . Should they withhold this from me in SAR request? As this was the purpose of me making the request in the first place. 3) Can I do anything about the above to get the info I was after in the first place? Many thanks in advance Jimbo

I took a 4 or 5 year finance agreement on my car which ends a year in august. I cannot pay this and I am now getting into debt to make the payments. I have read that you can voluntary terminate the agreement after half the payments have been made. I'm just pretty sure it can't be that easy??? I do not want the car, I owe about 3600 and its worth approx 5000. I have no assets. Whats the worst that could happen to me? Thanks

Good Morning....... Wonder if anyone can give me any information or help as I am in a sticky situation. I will try and keep it short. Basically just over 2 years ago I had an accident at work doing something that I was asked to do. I started work as a teamleader over 7 yrs ago at a distribution warehouse. I was off for six weeks as I did extensive damage to my ankle tendons etc. They did'nt pay me full pay so I put in a claim and won. Now over 2yrs later the situation is this. We have just merged with another company. They are resigning all job roles on the one to one they said that I would be running the goods in area with all containers coming in. I said that I had no problem doing this but I would not be able to stand for 8hrs a day on my ankle, I am due and operation and it starts to swell after standing for long periods of time. The role that I am on at the moment is great for me as I can sit and stand as I require. I asked if I could stay on that role and they said no it will eventully be automated, which is funny because they are moving one of the other guys from the new merger team into my role. They basically did no belive my ankle was that bad and sent me to see the work nurse, she confirmed and they were still not happy with that and sent me to occupational health over an hour away and sent me in a taxi. When the report came back I was taken into the office and they said they were sending me home as the report says that it is unstable and I require a 15 minute sit down rest every hour. Went back for a meeting and they said that they would need to create a position for me and this would be a worst case scenario, been back to two meetings hearing the same thing asking if I would work in Slough or Sheffield which is 4hrs away, then last week I went back for another meeting and the HR woman was gunning for me saying that they could not find a job to create and the only option would be to terminate my contract on medical grounds. How is this? I have not had a day sick in the past two years. I think they are seeing this as an oppourtunity to get rid of a teamleader as they are in the middle of a restructer. My supervisor was my witness and in the recess break he said say you need to go you have had a phonecall, because otherwise they would have chopped me there and then. Just got a legal rep and he says that they are not following the correct procedure as they have not made any reasonable adjustments. Just put in a formal grievance against them for breaking the employment laws. My question is what are my chances? If it goes to tribunal will I win? I have done nothing wrong. I have been home for the past 4 weeks because they sent me. Any help or information would be well appreciated.