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    • 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
    • Ok Thank you DX will do just that . will keep you up dated.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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    • 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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I am just inquiring whether an employer can refuse to put minor injuries in the accident book?

 

My son works at a major UK car manufacturing plant and has had difficulty for some time now because of the repetitive nature of the process he undertakes,it is a renowned process within the company as one of the more challenging tasks with a high worker attrition rate. He has had to have rest periods where he changes to more menial tasks to help him recover, but every time he asks to put the injury in the accident book they refuse citing his injury must have happened outside of work. He recently made a doctors appointment where the GP agreed that the injury was RSI.

He feels it is being made difficult for him to report his injuries and the hope that the process can be made easier by an investigation into modifying it in some way are compounded as he is only on a 12 month contract and really wants to keep his job!

 

Firstly does the employer have the right to refuse an entry in the accident book & are they allowed to suggest that an injury could have been caused by means other than work when my son is addament it is his process that is the cause? Secondly if he was to lose his job and no accident/injury is reported can he still bring his case to tribunal?

Timeline

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I'm not sure what the answer is as regards making entries in the accident book.

However, in the event of a showdown, it seems to me that the employer is playing into your hands.

I would keep a separate journal - keep it offsite. - Log every injury, every attempt to enter it into the accient book and note down eaxctly what was said by whom, to whom, date, time etc.

 

Keep visiting the doctor and log the date of every vist with all details.

If there are any visible signs then photograph them.

In other words, build up a complete history of injury and the employer's attitude to them.

If you have to bring a case, then being able to show that the employer has deliberately taken steps to conceal injuries would be very prejudicial to the empoyer's case and would increase the level of damages.

The employer is a fool. A proper record of accidents and injuries - even if they may have happened off-site, will always look good for an empoyer. It will sho that they have been diligent and reasonable employers with concerns for safety of their staff.

As in your case the employer is behaving irresponsibly, you may as well take full advantage of it and turn it against him when the time comes to lock horns.

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You should also send them a report by recorded delivery (include a copy of your doctors report) and request that it is kept on record.

 

Keep the posting receipt and when the delivery receipt shows up on the Royal Mail site, print that off and keep with your copy of the letter you sent.

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Hi,

 

This seems to me that it a health and safety concern.

 

If this is a known RISK to performing the job role, then surely the company have in place a comprehensive RISK ASSESSMENT, and the employers should have sat down and gone through this with not just your son, but any other person that has or is performing the job function. Has your son ever been made aware of such a document?

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I believe that there has been some consultation with an occupational personnel and think for the best part they are trying, but my son is double jointed and am not sure how this effects his personal ability with regard the task involved, he has resolved to wearing a brace/splint but it helps very little, my main concern is the attitude of his immediate line supervisor& his refusal to accept that the injury is occupational not social.

 

Hi,

 

This seems to me that it a health and safety concern.

 

If this is a known RISK to performing the job role, then surely the company have in place a comprehensive RISK ASSESSMENT, and the employers should have sat down and gone through this with not just your son, but any other person that has or is performing the job function. Has your son ever been made aware of such a document?

Timeline

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Employers genuinely interested in the health and safety of their staff and visitors encourage ALL incidents to be reported, even anonymously if necessary. It helps them inform their risk assessments and identify worsening trends before they become a major accident or worse. If you have Safety Reps then use them to raise your concern.

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Employers genuinely interested in the health and safety of their staff and visitors encourage ALL incidents to be reported, even anonymously if necessary. It helps them inform their risk assessments and identify worsening trends before they become a major accident or worse. If you have Safety Reps then use them to raise your concern.

 

Indeed - even 'near misses' should be recorded and an up to date risk assessment carried out in order to minimise problems in future!

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Follow the other advice but here is the law on what an employer must do, there is also RIDDOR (google it) for a little more info

Social Security (Claims and Payments) Regulations 1979

 

Regulation 25(1).

“Every employer shall take reasonable steps to investigate the circumstances of every accident of which notice is given to him or to his servant or agent in accordance with the provisions of regulation 24…”

 

Regulation 25(3).

This requires employers of 10 or more people (employed at the same time at the same business premises) to…

(a) keep readily accessible a means (whether in a book or books or by electronic means), in a form approved by the Secretary of State, by which a person employed by the employer or some other person acting on his behalf may record the appropriate particulars; and

(b) keep any such records for at least three years from the date they were first entered.

 

Comment:

It is regulation 25(3) that places the duty on employers to keep Accident Books.

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Hi cookie

 

This PDF from HSE on Reporting Accidents and Injuries at Work may be useful:

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.

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