Jump to content


  • Tweets

  • Posts

    • Thanks for your prompt reply. I have some questions, please: When you say nothing will happen, my 80 year-old mother is worried about potential DCA doorsteppers if/when the debts are sold on - she is a very sweet, quite vulnerable lady and she is worried she may be bullied and harrassed.  If they do come knocking, what should she say?  I told her to say she knows nothing about any of it and they have no right to come knocking on her door and to warn them police will be informed if they come back.  Problem is, I don't think she would be strong enough and can easily be bullied into saying more than she intended once the door has been answered. Next questions: 1)  Should I inform all my lenders that I have moved abroad before defaulting (to avoid the quirky English law loophole thingy that could end up in a CCJ or worse once a DCA gets hold of it)?  2)  Can/should I provide an alternative UK correspondence address to my lenders instead of my mother's home address e.g. my virtual office address for my business - would the lenders accept this as I live abroad now and don't live at my mother's address?  Can I just write and tell them, without any further ado and not get into any further questions about it and cease further correspondence with them and default?  And would this stop DCAs coming to my mother's house as it would not be my current residential address on the lenders files when passed to the DCA?  Do they doorstep previous addresses? 3)  If I don't provide a UK correspondence address will I be at risk of not being aware of any Letters of Claim etc and legal proceedings notices etc not reaching me (there's no reliable postal system in the developing country I've moved to).  Worried this would mean I could end up being taken to court without being aware of it and could end up in a worse situation. 2) What exactly will go on my credit file once I've defaulted, assuming no legal action is taken against me?    4) Should I contact any of my lenders and inform them I have zero assets.  TSB & Sainsburys already have I&E info from me which shows my income  @ £1200/mth is below the combined total of my debt repayments @ £1300/mth and that my income only just covers essential costs of living @ £1200/mth.  Could it be useful to be on my file that I have no assets, so that the DCA clearly see this when the debt is passed to them? Thanks again for any advice.
    • paypal, but i would like to know if anyone knows if there is a certain time limit they have to refund you? thanks
    • Dear lookinforinfo, I'm sorry if I seem stupid, but what exactly am I telling them? -what code/ law / standard have they broken that I will use as an argument in letter? I don't understand the premise of your argument.  I would appreciate it if you could explain it to me clearly and in simple terms so that I understand.  Thank you   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Newly disabled


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4396 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I apologise in advance for this long post.

I live in West Yorkshire and I am employed by a company based in Glasgow as an Electrical Supervisor, working on various sites around the West Yorkshire area, and based from the Manchester Office.

I was diagnosed with suspected Rheumatoid Arthritis in December 2011. At this point I informed my line manager of my diagnosis. He made no comment I explained that I may need some latitude and help to cope with my condition. Again he made no comment. The manager subsequently left the company around easter.

In February 2012 the diagnosis of Rheumatoid Arthritis was confirmed and a copy of the report from my Rheumatologist was sent to the office in Manchester. I assume that this report would be forwarded to Head Office to Human Resources.

Since diagnosis my GP has advised that I undertake “light duties only” until reasonable adjustments could be made with my employer. I have forwarded these “fit notes” to Manchester office on a regular basis. I have also requested through one of the contract managers in the absence of a branch manager that I be put in contact with someone at Head Office to discuss the reasonable adjustments that I need. To date this has not happened other than to allow me a little time to attend doctor and hospital appointments.

On 11th April 2012 I visited my GP who advised me that I should refrain from driving vehicles with manual transmissions due to the pain and discomfort that I was experiencing in my left ankle, I immediately contacted the transport manager based at head office, to appraise him of the situation and to ask him the procedures for using my own vehicle for work purposes. I didn’t get the relevant information until Friday morning. The result of this is that I have now had two days pay deducted from this months salary for “absence” through no fault of my own.

I am unable to use the company supplied PDA’s because of there unsuitability for someone with my condition there fore I have agreed to use my own mobile phone business purposes. This means that I have to prepare any report sheets either by hand or utilising my PC. Some times doing the sheets by hand is difficult because of my disability, so I invariably prepare the sheets on my PC. I was told yesterday that this was unacceptable and that I should use a pen, and that if this wasn’t possible that I was no good to the company and that perhaps I or the company would have to consider my position.....

I have been supplied with walking sticks by my occupational therapist to assist me in walking when required due to the stiffness and pain created by my condition, I was told yesterday that should I ever have to use these on site I would be asked to leave site. The site that was being referred to was a Bus Station operated by the local authority.... I was further told that should a client discover me on site using the walking aids then he (the client) would ask that I was removed from site.

In summary, since I have been diagnosed with my disability I have tried on several occasions to have formal and meaning full discussions with ECG in relation to the “reasonable adjustments” that the Equality Act and the Disability Discrimination Act afford me. At the moment all the adjustments to enable me to do my work are being supplied by myself.

 

In view of the above and in particular the remarks made to me regarding my condition I have no been left wth no choice other than to assume that the company are unable/unwilling to fullfill their obligations under the relevant Acts and therefore I must now regrettably assume that the duties which my fit note alludes to are to be discounted and that I will now be treated as being unfit to work.

I have also discovered that immediately after my diagnosis was confirmed the company took immediate steps with an employment agency and advertised my job, (I found out through a colleague) they have subsequently interviewed candidates and have offered someone the position which I believe he has accepted.

This treatment has left me upset and distressed as if my diagnosis isn’t enough to contend with. I have since visited my GP who has now diagnosed me with clinical depression brought on by work related stress and has now signed me off as unfit for work for three months.

I now believe that the company have destroyed all trust between us and I was thinking that I may have a case for constructive dismissal and disability discrimination. Any advice anyone?

 

Thanks Jon

Link to post
Share on other sites

Hi, welcome to the CAG

 

I would raise a grievance immediately, stating exactly what you have put above, though more details and you probably have lots more incidents that you can put in.

 

I cant stress this enough, but do not resign, stay in employment.

 

I would also submit a discrimination questionnaire to the HR department.

 

I believe there is a strong case here of not making reasonable adjustments to your role and potentially if they have replaced your role, then how are they going to get rid of you? i would try to hunt down the advert for your role etc.

  • Haha 1

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

Link to post
Share on other sites

Raise a grievance as lbruk says. Also consider making a claim for Disability Discrimination via the Employment Tribunal. There is a strict 3 month -1 day rule from when the last act of discrimination is alleged. They have obligations under the Equality Act and on the face of it you have a good case. There is lots of good people with great advice on here and Im sure they will comment soon. Good luck

Link to post
Share on other sites

Hi thanks for the welcome an good advice.

I have already raised a greivance with HR at head office and they have so far completly ignored me, no reply no acknoledgement no nothing.

I also have a copy of the job advert that they used.

As for how they where going to get rid of me well I think that threatening me to have me removed from site if I had to use my sticks.............

Link to post
Share on other sites

Ok, well you are off now.

 

How long so did you file your grievance?

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

Link to post
Share on other sites

I sent an e mail last Friday ( 1 week ago) and followed it up with a recorded delivery hard copy.

 

 

You can also send a Disability Discrimination Questionnaire. This is less likely to antagonise the employer as much aa if you filed the ET claim. You can ask questions like "Do you accept that I am disabled?" Who is dealing with my request for workplace adjustments? etc

 

Here are the questionnaire and the guide to filling it out

 

http://www.practicallaw.com/4-203-9089

 

http://search.conduit.com/Results.aspx?q=disability+discrimination+questionnaire&ctid=CT2740822&octid=CT2740822&SearchSource=1

  • Haha 1
Link to post
Share on other sites

You can also send a Disability Discrimination Questionnaire. This is less likely to antagonise the employer as much aa if you filed the ET claim. You can ask questions like "Do you accept that I am disabled?" Who is dealing with my request for workplace adjustments? etc

 

Here are the questionnaire and the guide to filling it out

 

http://www.practicallaw.com/4-203-9089

 

http://search.conduit.com/Results.aspx?q=disability+discrimination+questionnaire&ctid=CT2740822&octid=CT2740822&SearchSource=1

 

Yes, the questionnaire is a good idea however OP must take note of timescale for submitting ET1 form.

Link to post
Share on other sites

Hi

 

What gets up my goat with some employers when it comes to reasonable adjustments especially if the person is disabled they can actually apply for grants to make those reasonable adjustment making the cost impact to the business very minimal.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...