Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first
    • Nothing to do with your own Bank.     Try to withdraw the money from Parentpay early next week and if no joy contact them.   It may be that the money is showing, but has not fully cleared on their system,
    • Hi all,   Just an update with contractual terms. These terms are from a contract at a similar time to when Tracey started as we think they have changed since.   The contract reads as follows:   Termination of employment  Xxxxxxx (Nursery) will provide written notice of termination of your employment in accordance with statutory requirement (currently 1 week’s notice for each year of continuous service, up to a maximum 12 week’s notice).   Once you have successfully completed your probationary period for the company you are required to give 1 month’s written notice of termination of employment.   Regards   Matt             
    • Thanks for helping with the post;   Still waiting for a reply from the DPD.
    • I thank the Consumer Action Group Members for getting me this far in my case which is still in progress.   Situation: The Court has reversed earlier permission for me to rely on witness summaries.    The question upon which I am seeking help, please,  is - do I need to bother myself as to why the Court has reversed permission to rely on witness summaries?  If so, what line of logic or law can might I follow because clearly, the Court has said one thing and then another a few weeks later, of its own motion, the Court has reversed the earlier decision. I find this development quite extraordinary in the sense that as a result of being granted permission earlier, I served the three Witness Summons which had the Court stamp.   Background Having given me permission to serve 'Witness Summons' which I served on 3 hostile witnesses several weeks ago, the Court has now reversed it's earlier decision, and refused me permission to rely on 'witness summaries' pursuant to paragraph 32.9(2), citing that I have not shown steps taken to obtain witness statements from the 3 hostile witnesses.  I however, made two attempts to talk to the hostile witnesses who have been non responsive and I can evidence this.   I would be immensely grateful for some steer from Forum Members, please.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

Before the Event (BTE) or After the Event (ATE) legal expenses insurance.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4029 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts


Before the Event (BTE) or After the Event (ATE) legal expenses insurance.




Research shows low awareness of before the event legal expenses insurance

23 October 2007


Research published today by Ministry of Justice reveals that less than one in four consumers have heard of either Before the Event (BTE) or After the Event (ATE) legal expenses insurance.

Legal Expenses Insurance (LEI) provides the policyholder with the cost for legal fees in the event that they become involved in litigation. It is a relatively inexpensive mechanism for resolving a range of problems and legal disputes.

The research report produced by FWD reveals that there is a considerable lack of information about the product both in the public domain in general and at the point of sale. Awareness among lower socio-economic groups (C2DE) is particularly low even though this group appears to be more likely to need to use a BTE product.

The report also reveals that despite low awareness overall market penetration of the product has increased to 59% of the population (this compares with 50% penetration revealed by Mintel in their report published in December 2006). The research estimates that 28m adults currently own the product, most as an add on to another insurance policy.

Welcoming the findings, Justice Minister Bridget Prentice said:

The report gives us an insight into the current state of the BTE insurance market. Whilst more and more people now have the product, they don't appear to know how to use it. This is particularly true of the more vulnerable members of society. BTE insurance is important because it provides people with a means of getting advice and assistance when trying to resolve disputes. I would encourage insurance industry bodies and consumer groups to try and deal with this problem

Other findings show:

  • Legal Expenses Insurance cover is often fragmented or even duplicated. Due to lack of awareness many consumers are not aware that they have BTE insurance
  • The market is likely to expand over the coming years increasing the number of consumers in this position
  • The report recommends a number of steps that insurance industry bodies and consumer's groups- such as the Financial Services Authority (FSA) and Association of British Insurers (ABI)- should take forward. These include:

  • Agreeing ways of promoting LEI and providing more information about the product both in general terms and at the point of purchase (including communicating its benefits more widely).
  • Developing ways to encourage policy holders to read their policy documents

  • Changing the name of Legal Expenses Insurance to something consumers are more likely to understand. One suggested alternative is 'legal protection'

  • The report also recommends that employers provide LEI to employees
  • Additionally, Housing Associations could provide LEI for tenants

Officials at the Ministry of Justice have been discussing these recommendations with the FSA, ABI, Housing Corporation and employers groups to examine how these recommendations could be taken forward.


Notes to Editors


1. 'The Market for BTE Legal Expenses Insurance: A research report for the Ministry of Justice', by Oona McDonald, Ian Winters and Mike Harmer

2. Until now the only other independent survey of the Legal Expenses Insurance market was published by Mintel in December 2006.

3. BTE insurance products have been available in the UK since 1974. The research report shows that 93% of all households have home buildings insurance in place; 78% have home contents Insurance;

4. The structure of the BTE market in the UK is complex. It is sold in a variety of ways usually as an add on to motor or household insurance. It is also sometimes sold attached to travel insurance.

5. The vast majority of BTE products are sold through intermediaries consisting of national brokers, broker chains and regional brokers.

6. For more information contact Zoë Campbell, Ministry of Justice Press Office, 020 7210 8695 forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifHousehold Insurance Click link to open in new window.





Legal expenses insurance report





Legal expenses insurance report

Date: 23 October 2007


This report explores the current state of the legal expenses insurance market and future trends with a view to promoting 'before the event' (BTE) legal expenses insurance so that more people have access to legal advice and assistance.




The research for the report was done by Dr Oonagh McDonald, Ian Winters and Mike Harmer, of Fwd thinking communications.


Related information

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...