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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Temp forced to walk due to gross colleagues


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Can anybody advise please, after a year of searching for a job, finally landed a brilliant temp to perm job, fantastic! Initially worked with 2 seperate teams of lovely people then placed with team I would be working for,,,,,,oh my,,,,,absolutely gross,,,,,foul language, constantly talking graphic and pornagraphic sex talk, even beastiality,,,offensive and discriminative remarks about absolutely every minority group from people in social housing to immigrants,,,,,,unbelievable, so intolerable that I had to walk out of the job,,,,,,I am so upset,,,,,a brilliant job and now gone! Agency is fumbling and the company management met with me and made all the right noises, apologised, etc etc but I still have no job,,,,,,,its so unfair,,,,,,what rights do I have, I was only a temp so I'm not sure what I can do about this,,,,,I'm getting angrier by the hour,,,,can anyone advise please?

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As your an agency worker you are not employed by the company like the other's are and therefore have very little rights compared to that of an employee. If you had been an employee of the company you could have put in an grievance, but since your an agency worker you can not, as your contract is with your agency not the company.

 

However as the company was made aware of the issue and has apologised, then i suspect they have also taken action against those employees in question. If you would like to still work for the company, my advice would be to contact them and inform them of how much you liked the job prior to the issue that cause you to walk out, and ask if their is any possibility of you returning to work for them whether as an agency worker or employee, but preferably as an employee. I say preferably as an employee becuase then you will have the same rights and entitlements as any other employee at the company.

 

If the they had specifically made discriminative remarks directly/indirectly to/about you, whether sexual or rascist etc, then you could make a claim at tribunal. But apart from that, there really isn't much you can do.

Edited by teaboy2

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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as the employment agency has a duty to find you a job that will aid you more with the advice i about to give

 

whether you use the resources of the agency or just self motivation i would consider contacting the company with a general letter stateing how you would like to work for the company in future and would like to hear about any oppertunities that will come up in future working along side team-office one or two and although you had personal issues with team three you found the company on the whole was great [blah blah blah sing its praises in own way]

 

ending the letter

"and I look forward to any replies or oppertunities in the future"

 

or something as such to give them the feeling you want to keep the communication between yourself and company open

 

a simple letter like this can get you further then just giving up something which began as a great experience from what i have read

 

it is hard these days for many to get a job - let alone ones that people enjoy [exception in this case being the experience from colleagues [team 3]] so if you truly did enjoy team 1 & 2 and the work load-tasks then fight for it

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