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  1. I am taking ex-employer to an Employment Tribunal for age and disability discrimination. Up until 2 weeks ago they were adamant that I was not going to get a penny from them and they have engaged a very expensive lawyer. They had denied all allegations of the existence of documents that contained discriminatory and offensive remarks, documents which I had seen and knew existed. However, at the Preliminary Hearing in December their lawyer was put under pressure by the judge and eventually conceded that the respondent did not deny the existence or contents of such documents. The judge subse
  2. Just noticed marketing emails coming back in from house of fraser. After everything that has been happening, i'm not sure if I should order again. Anyone recently purchase anything from HOF, and did you have problems?
  3. I am a primary school teacher (year 6) and don't let children go to the toilet during lesson time.
  4. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  5. Not sure if this is the correct forum so apologies if not but I was wondering what others would do/if anything, with regard to a complaint I made recently about a JCP Advisor. I have been on JSA now for over a year but have been suffering from a vertigo condition (saga is in another thread!!) so I am limited as to what jobs I can apply for. Those that I have applied for and there are over 300 of them, I have been unsuccessful. I had a pretty good advisor to be honest who appreciated my limitations but suddenly out of the blue I was moved to another advisor who was as far as I know n
  6. After a long absence from benefits I'll be starting a new claim for Universal Credit in the next few days. Just a brief history: I was on the old Work Programme with Ingeus for the full 2 years - towards the end I was placed on the ESA assessment phase having been on JSA only and didn't have to attend the office anymore... Shortly after I ended the claim to pursue a new opportunity and that's where I've been for over a year and a bit. Now having to go back to relying on benefits is a difficult thought and I have no idea what's changed. I have no clue if my local office is still ope
  7. Dear whom this may concern, Cut a long story short. I purchased a tumble dryer from Argos it became faulty l had a replacement under warranty believe it or not it happened again I received another replacement then the 3rd machine set my house on fire and made me and my family homeless. The manufacturers insurance company hired a fire investigator 'hawkins' so they can conduct a report after months of chasing the insurance company they have told us that the report says it could have come from outside or inside the machine they will not pay a claim. Me and m
  8. approx.: 10 months ago we had a leak in bathroom. called Royal sun alliance Insurance to make a claim. claim exceeded a fixed amount of money Royal sun alliance handed over to Cunningham Lindsey as their loss adjusters. 10 months have passed and still no works completed. I have attached a letter that I intend to send this week to loss adjusters. we want to know if we are entitled to compensation due to all the stress & inconvenience we have had to endure, such as doctors & hospital appointments. Cunningham Lindsey letter of complaint - Copy.pdf
  9. http://www.mirror.co.uk/news/uk-news/nurse-walked-out-care-home-10166243 The Nurse was giving evidence at a Coroner's hearing into the the deaths of the 3 men. The tale told was quite shocking and I was surprised that the coroner reckons that neglect was not a contributory factor into their deaths !. I think I would rather go to Switzerland and take my own life than end up in a care home. I guess you cant tar them all with the same brush, but even those where residents pay very high fees are coming under scrutiny !
  10. Hello. Newbies 1st post. July 2014 I went abroad for a year and a tenant was in my house for that period. I was up until then using Cooperative Energy for both gas & electricity. I was paying £130 every month. I gave final readings on changeover day. A year later, tenant moved out and I moved back in. Again I contacted Cooperative Energy to transfer it back to my name. I was amazed - and double checked - when they said it will be £72 per month for both. Wow I thought prices have dropped! 3 months later and 3 payments of £72 made I receive a letter saying I
  11. Hi all, So I found out last night my father of 74, is [causing problems] people by selling them fake brand named guitars, that he buys brand new from China. I live with him, so I noticed he started buying guitars sometime back, then would sell them on, nothing seemed to out of the ordinary, but then I realised he's buying guitars from a Chinese ebay style site, with the Gibson or Fender branding for about £150-£200, plays with them for a while, then lists them on Gumtree/friday ad as "original" (non fake), with the description of the guitar copied/pasted from the Gibson or Fender websit
  12. Someone asked me this question and I could not answer. So as this idea grows I feel it is best to open a thread to discuss this important question. Where would the money come from. Would as Automation takes over and increased productivity happens from there somehow perhaps. Taxes. Companies, where do you think it would come from. It has to come from somewhere. Basic Income-A Great Idea Whose Time Is Coming. https://en.wikipedia.org/wiki/Basic_income
  13. Hi all, I have a letter direct from the local council's own court baliff demanding I pay my council tax bill with 14 days or he will ask the courts to commit me to prison. If I ignore this, would my entry in to the Royal Navy in January next year be effected? Would I have a police warrant for my arrest, or not?
  14. Monday 19th I opened a letter from hm revenue and customs saying that I paid to much tax and they owe me some money it said go online and claim the money back so I did and it said it can take 3-5 days I've logged in and it said HM Revenue and Customs paid you a refund of ... on the 22nd Septrmber 2016 and it's not even the 22nd and I have not got the money
  15. I booked a holiday a few weeks back using Love Holidays. The total cost of the holiday was £680, all i have paid so far is the £80 deposit. It was a silly holiday to book anyway, I can afford to go but I could do with the money on other things so I decided i wanted to cancel it. I emailed them asking to cancel and now they want me to pay for the flight cost, which is £300, the holiday isn't even for over a month away surely this is an acceptable cancellation period! Anything I can do? Thanks
  16. I apologize if this may be a stupid question. I've recently been looking into getting defaults removed from my Credit Report, one method I come across was sending letters to the relevant creditors stating I never received a letter warning of a default, and asking for them to provide evidence of this within 28 days, if they are unable to, then hopefully resulting in the Default being removed. Would this method be wise to try even if the default was issued with a debt that was in conjunction with a Debt Relief Order? Thank you
  17. I saw this a little while ago and thought it may be interesting to many on here. http://www.halsburyslawexchange.co.uk/leaving-the-eu-impact-on-case-law-and-legislation/ ‘the Treaties shall cease to apply [to the UK] from the date of entry of the withdrawal agreement or, failing that, two years after the notification…unless the European Council, in agreement with the [uK], unanimously decides to extend this period’ (art 50(3)) "Insofar as any such amendment or repeal seeks to deny EU law direct effect in UK law prior to the date on which, as a matter of EU law, the Treatie
  18. Cameron wants a vote on are membership of the EU on June 23rd, however I’ve got news for him and his hangers-on. The referendum cannot take place until the autumn at the earliest. The fact is that this early referendum is not possible because it will be should be blocked by the Electoral Commission, which insists that at least ten months should pass between Royal Assent being given for a referendum and the vote itself. Dr Richard North said The Royal Assents was given end Jan; beginning Feb;. This means that the referendum cannot be held until October—at the earliest. Of co
  19. A couple of years ago the police broke into my friends house on a few occasions and discovered small amounts of herb which was for personal use, each time I got cautioned. Then letters started arriving telling me to go for medical tests Since then I have already had a drugs test then an eye test then another doctor's test then a psychiatric test and now it's come back to them wanting me to go for another drug test as I got letter from dvla yesterday morning. This is causing me a lot of stress. Are they able to do this? Thanks
  20. Banking Error Gave Young Lady 4.6 Million Overdraft-What Would You Do? Could you be tempted to spend some. Lose your battle between the Devil telling you to get stuck in and go for it. Or the angel of reason telling you to go into the bank and say i think you have made a slight mistake. As you read this story and perhaps watch the video what is your brain telling you. Would you be planning to lash out,travel the world,take a chance. Where would you go or do,could you be tempted. Or plan to catch the bus or walk to town if no funds to tell them Oh dear what is this on my state
  21. Hi All, Bit confused here and wanted to be sure. I arranged for an electrician to come to our house (its owned by my girlfriend) he did some work. He then wanted a payment which my g/f tried to make online but got an error. So I paid it from my account. Who would legally have the contract for the work done? I ask as there are major problems with the work carried out. Many Thanks for any help
  22. Hi all , read quite a few of the robinson way threads on CAG and it seems it can be a minefield getting a full and final offer "wording" correct . My wife had a small repayment arrangement with RW but they took a repayment that was 4 times the agreed amount she cancelled the direct debit , many many phonecalls and letters from RW she received this letter .What would be a reasonable starting point offer be ? Total debt is just over £450. Thanks Andy.
  23. Apart from world peace, what would you like to see happen in 2016 ? And perhaps we can avoid any debate on the EU in this thread, in anticipation that a few take interest in this.
  24. Hi Just wondering if it is possible to claim and what to claim back from Quick Quick. I have had a total of 21 Loans from 2011-dec 2013 of which at least 2 of these where rolled over, at the moment there is an outstanding balance on the last one which was rolled over 5 times. at the time these loans where taken out my credit file was shot and i was just about making ends meet as i had 2 mortgages to pay. I was also able too take out loans with TXT Loans - Paid off Payday Express - negotiated a settlement figure and cleared account Payday UK - loan still outstanding was paying £1
  25. Would or could - as they means you have not taken the action you are mentioning. Christmas - this is a word taken over by business to sell their merchandise, rather than about the festival to celebrate the birth of Jesus. If we replaced it with say Jesus Day, i doubt that most businesses would be happy to use it to help sell their goods.
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