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    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
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    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
    • No no - I would complain via the CEO and Directors Office.     They sorted it in less than 24 hours for me. Complaint closed and compo issued. Info removed from CRA This morning. Credit Karma updated for me instantly almost.   
    • Hi, Thanks a lot for your valuable advice and apologies for bit delay in providing some additional information as requested before. I was also looking at other threads to get some more knowledge, apologies if my questions have already been answered in some other threads and I have missed them. I would appreciate if you can guide to relevant thread to help navigate easily. If I opt to go down the route of availing BS option, I'd find it more convenient if I do it in parts i.e., applying with 2/3 creditors at a time. Is that even possible in my case? I understand that DN might be the best option for me but I am trying to avoid this route as much as I can. I am currently living in a rented property with wife and 3 kids and I am not how this is going to play out in future if we decide to move to some other area. How will DN impact my intention of getting house on mortgage (dream as of today) after 6 years? If I go for DN strainght away, do I have to do it for all debts? for example, can i leave one active credit card out of this DN? what can i do if I go for DN right now but my financial situation improves in 1-2 years due to better job or promotion etc.?  Here are the details of my debts. Let me know please if you have any questions. Regards, MM Overdraft Halifax - £2,500 Starling - £500 (I can settle this immediately to keep this account active as back-up for salary and other priority expenses like rent, council tax etc.)   Personal Loans - Outstanding Amounts - No defaults or missed payments Plata - approx. £27,000 BetterBorrow - £3,450 Zopa - £14,000 Reevo - £2,800 Updraft - £2,230   Credit Card - Balances - No defaults or missed payments except those noted Virgin - £6,100 (This card is suspended.) Halifax - £5,474 (This card is suspended.) Barclays - £5,400 (I am currently on a fixed monthly payment plan of £232 for almost a year now and missed last month's payment.) Aqua - £3,100 Fluid - £2,100  
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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.

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      Many thanks 
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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.

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      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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Employment problems and very stressed from it


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Hello members,

 

I'm new here and would really appreciate any advice. It might even do me good if someone told me to stop whinging, so please feel free.

 

I've been going through a terrible time with my employer the NHS. I believe i have suffered years of disability discrimination and they have tried to push and push me over the edge into leaving.

 

I finally plucked up the courage to start the formal grievance process. I sent a formal letter of grievance to work over 2 months ago and they have changed the investigation manager 3 times, and i am still no closer to getting a reply.

 

Following putting the letter of grievance in over 2 months it feels like they are doing all they can to get me out of the do by intimidating me. They arranged for me to see another Occupational Health Dr and i had the most terrible experience with an occupational health him, this appointment left me distraught. I then put in a complaint about the conduct of the appointment approx 1 month ago and although they have told me they are investigating it i have had no conclusion on that complaint either. At the occupational health appointment he had my scan reports in front of him. I have at no time given permission for occupational health to access my medical records. Are occupational health allowed to access my medical records without my permission?

 

If they had asked my permission i would have said 'yes' because i have nothing to hide, it just feel like yet another violation i feel :-(

 

The most odd thing was that after the dreadful appointment with occupational health i decided to hand in my resignation. I put in my letter of resignation following submitting the letter of complaint regarding the conduct of the appointment and they asked me to withdraw it to give them an opportunity to put things right. They haven't put anything right since withdrawing my resignation, they are ignoring me, delaying the grievance procedure and they are all dishonest.

 

They clearly wanted me gone, then they asked me to withdraw my resignation and i feel at a loss.

 

Any help please?

 

 

p.s i am on long term sickness and i have been asking to go back to work.

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Hello and welcome to CAG. I'm sorry you're having a tough time.

 

I expect the guys will be along later and I'm sure they'll tell you to stop whingeing if that's what they think. :) But I hope they'll try to be tactful.

 

I'd like confirmation, but I think being victimised after filing a grievance strengthens your case.

 

What would be your ideal solution to all this please?

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi HB,

 

I have repeatedly raised my grievance over the years to my employer about the adjustments i needed in terms of my disability and circumstances but i nothing was ever done to help me and my job became unbearable for me to cope with and this over the years subsequently took a toll on my mental health (get the violins out!) all i ever wanted was just to do my job that i trained to do but they made it too unbearable for me to cope with. The adjustments i asked for were not huge adjustments and they might not even be considered adjustment just the basic needs which my contract said i was entitled too. So initially i wanted them just to be caring enough to implement a cple of minor things to help me to my job.

 

As the above was unsuccessful i wanted the formal letter of grievance to address all of the above, for them to take responsibility and to apologize. Naive maybe?

 

There reluctance to come to any conclusion regarding the lodge grievance and the awful treatment i have received since lodging the grievance is leaving me very stressed and upset and they are just making my disability and mental health worse by their silly game playing (violins again)

 

I have been reluctant to go down the tribunal and court route because of it being the NHS and they are already struggling financially but i am becoming increasingly bitter about it all and anger is kicking in. They have destroyed my career and i am a single parent and have a family to support. I feel like i have done all i can to resolve this informally and formally and i don't think i have been unreasonable at anytime. You think as the NHS is the caring industry that they might care for there employees but NO.

 

So i suppose i do not know what my ideal solution would be now (violins again)

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Klawill,

 

Sorry to hear about all the trouble you have been experiencing.

 

My first suggestion to you would be to telephone the ACAS helpline and get some guidance from them on how you move the formal grievance forward.

 

If your employer really wanted to just get rid of you then you handed them a meal on a plate by giving your resignation, so the fact they asked you to withdraw it suggests they do actually want you to stay.

 

Have you spoken to the investigation manager to explain how all of this has left you feeling? Maybe if they knew the impact all of this was having on you they would behave differently. I realise having been there myself a formal grievance is a difficult process to go through, even more so because your employer appears to be dragging their feet in sorting this out.

 

So my second suggestion would be to speak to the investigation manager if you have not done so already and explain the effect this process is having on your mental health.

 

A final point of very important information, if you were to decide to take your employer to tribunal, your claim must be submitted 3 months less one day after the final act of discrimination.

 

Good luck

 

DJ

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DJ thank you so much for your reply.

 

I don't know who is going to be the new investigating manager yet. They are aware of my mental health and i have said to them that delaying this is not helping.

 

I am keen to leave any submission to the tribunal right up until i have exhausted the internal grievance procedures, which makes the 3 months time limit tricky.

 

It is all very draining :-(

 

Thanks again for your advice

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Klawill,

 

Any claim you make in the employment tribunal must be submitted within 3 months less one day of the last act of discrimination. There is no room for negotiation on this and any claim submitted after the deadline will simply be ruled out as out of time. This could well be why management are dragging their feet.

 

So very important to keep an eye on this. What was the date of the last act of discrimination that you complained about?

 

I appreciate it is very difficult, but there are some fantastic people on here who will be only too happy to help you along the way. Is important that you do not try to take this on alone.

 

DJ

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3rd of September was last act of discrimination and beginning of october was the awful occupational health appointment.

 

Feel like they are playing a horrible game with my head, not nice at all.

 

So i may need to act quickly at the end of this month, if i am no closer to getting answers from them.

 

Really appreciate your help thank you

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Occupational health are saying are am unable to return to work in any capacity. My GP thinks i am more than capable of doing a physically demanding role and i have been asking, but because of OH are not allowing it i have been told thay i have to continue getting a sick note from work. I asked my employer if i could get a fit to work note with adjustments but i wad told 'no' because no suitable work is available.

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Ignore what your employer says. If you and your GP believe that you could return to work with adjustments, you should get a fit note saying so (and specifying the adjustments required).

As things stand your employer(informally) and their OH say no.

You need to provide some evidence to the contrary.

 

How long have you been on long term sick?

What are the specific adjustments that you are seeking?

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