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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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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.

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    • 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.

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      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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Fractured Wrist At Work. HELP PLEASE !!!!!


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2 weeks ago I was carrying a box which I had lifted from a shelf and as i turned to return to my seat I tripped over a box in work (a small factory) that was protruding from shelving on the floor level shelf.

 

When I fell, I hit my forehead off the concrete floor, cracked a tooth, which has since broke in half and fell out, I have also fractured my scaphoid bone in my right wrist and I am right handed, which means that I am struggling to do everything.

 

I have been in work ever since it happened, I had been given light duties which I was managing fine, until they decided to change the job I was comfortable doing with a cast on my arm.

 

The job that they changed for me to do did cause a slight discomfort and was awkward with a cast on my arm. One of the other workers suggested to my supervisor, a less awkward job but she was swiftly told no.

 

The next morning I was called into the office by my supervisor, my manager was in the office too when I went in. He said he overheard me yesterday saying my arm was sore, he must be a mind reader because I honestly dont recall saying that to anyone. He then told me that because of this, he was sending me home, it was in the interest of the company and my own wellbeing, and that he couldnt afford for me to possibly injure my arm further.

 

I could fully understand what he was meaning, but it was them that gave me a different job to do, the job that I was taken off, somebody still had to do it. It was not my fault that their shelving was inadequate and did not house the box properly because the box was too long and protruded out at foot level. He told me to go home, and when I said I couldnt afford to, what about my wages.

 

He told me I would get SSP as that was what I was entitled to, as soon as he said that he walked out of the office leaving the door wide open for everyone on the 'shop floor' gawping in at me. I felt so humiliated, I was very upset, especially as I had no money with me to get home as I always got a lift home when I finished work from another employee.

 

I had to get my partner to come over in a taxi to take me home.

 

Can anyone tell me if this is the proper procedure that has been taken, can he just send me home like that with SSP. Im not sick, 'HE' has deemed me unfit for work due to a Health & Safety issue, neglegence to provide adequate shelving for the boxes that are put on them.

 

It was not my fault that the shelf was not deep enough to contain the boxes , so how can I claim SSP if I am not sick. SSP wouldnt even pay my rent, never mind food and bills as well.

 

I would be most grateful for any help or advice that anyone can give me

 

I forgot to add that they now intend to replace the shelving ASAP for insurance purposes against flooding. Seems strange to me that those shelves have been there for the 6 years Ive worked there and suddenly the have to be changed.

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Does sound very unfair. Was the accident book completed at the time of the accident. Is the company going to be paying for your dental charges to have your tooth capped sorted ?

 

I am sure there will be people looking in over the weekend.

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I think you need to go get a fit note. Clearly you cannot do your own job. They shouldn't be paying you SSP without a fit note. It's a real mess - on both sides!!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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The employer is absolutely within their rights to send you home, but will have to pay you as normal for the day that they sent you home, although can only pay you SSP thereafter. They should though only force your absence if either medical opinion, or a workplace risk assessment indicates that your presence either poses a risk to self or others, or that working might exacerbate your injury. So, see your GP and ask for an opinion (written if necessary) about being able to work. Does the employer have any Occupational Health provision?

 

Much as I am normally loathed to suggest a personal injury claim for the sake of it, from what you have outlined above I would suggest that there is a clear cause of action her in that the employer may have failed to ensure your health and safety, resulting in injury. Especially as it seems that you will be losing wages until this is healed, and as the dentistry may incur cost to yourself, if it were me, I would be making a claim for personal injury and lost earnings due to negligence. I am sure that you can take your pick of any of the NWNF firms and they will be only too pleased to take up your case.

 

Of course if you face a prolonged absence due to a workplace injury then the employer is legally obliged to report it to the authorities, which could well result in a rather tiresome visit from th elocal Environmental Health department or Health & Safety Executive!

 

I sometimes despair of employers who act over hastily when it comes to what could have been a simple matter of treating the employee properly - ease the workload, make sure that you are comfortable, fix the cause of the problem and where there is fault, make sure that the employee doesn't lose out financially. It really isn't hard...

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Hi CitizenB,

Thanks for your reply. The accident book had not been filled in until I asked about it 3 days later. As to paying for any treatment, I doubt it. I was told to go home and I would get SSP as that is what he says I am entitled to.

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Have a read of sidewinders post at number # 6 some advice given there.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I didnt even know such a thing as a fit note existed until recently, I expect it to be a mess on my side as I have never had to deal with anything like this before, this is the main reason I am looking for advice on here. I want to do things properly and seeking advice how to do it. But surely an employer should have some idea how to deal with a situation like this properly. Im not an expert but I feel that I have been treated very unfairly by them

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Fit notes are "return to work" notes..

 

I would most certainly have thought that a company would know exactly what to do when someone is injured through company negligence. Is this a large/small/medium company ?

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They should still know what they are doing, I would have thought.

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The size of the organisation does not matter. They have a responsibility to protect you from injury in the workplace, and having failed in that duty are now not willing to make sure that you are paid whilst the injury heals. I would feel very let down.

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

 

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You need to go to your doctor and get him/her to fill out a sick note that states what your illness/injury is and when you will be fit to return to work. If your doctor says you can return to work then your employer cannot lawfully refuse to let you return. I would also contact the Health and Safety Executive and inform them of your accident and tell them how long you have been absent for. Your employer is obliged to tell them of any accidents that require absence from work but I would bet that they havent done this yet and will not do so bearing in mind how you have been treated so far. Once the accident has been properly notified get advice on claiming for you losses (loss of pay, injury and any other costs) on their employers liability insurance. Again, they are unlikely to volunteer this information so you need to approach it in a manner that they cannot ignore.

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