Jump to content


  • Tweets

  • Posts

    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • 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
  • 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

Redundancy-long term sick- UNUM help?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4050 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

Hello all,

 

I'm so sorry if this is all over - its very complicated - i do forget things so if something is not making sence please ask/tell me so i can explain

I am on long term sick and have been covered by the workplace policy for PHI with UNUM. (i have been employed since 2005)

As the policy is with my employer i can not get any information direct from UNUM, i have to speak to my "line manager"

The situation that has now occurred is...

 

The business site where my work is based is closing with over 500 people being made redundant.

I am still awaiting to be told officially about this, my income will cease end of June. No one can give me information about what is happening. I was told i was not included in collective consultations due to not having my address or phone number on system (i receive a pay slip every month, so they do have it) - they got in touch with me via a work friend and facebook.

 

From what has been hinted at via emails - the PHI scheme will not cover redundancy so i will not be entitled to any pay out (ive read about sat redundancy and i would qualify for this)

 

I suffer with depression and anxiety - obviously the situation is not helping me :(

While i am gutted for all my work collages who are in the horrible situation (lots have already left and in new jobs, yey!) I just feel totally pushed aside and going to find out last minute that my life has totally hit the fan

 

can some one please help with these questions

1. should I of been contacted to be included with the 90 day consultation (i read something about they consult with reps, would that be reason that they did consult i just couldn't get hold of?)

2. as i have been employed for 8years my minimum notice would be 8weeks, this date has now passed - what does this mean?

3. can the refuse to give me the enhanced redundancy as i am on PHI

4. Holiday entitlement - do they have to pay me for all unused holidays or because im on PHI i am not entitled?

5. i can not remember signing anything to say they t&c's of my contract had changed when on the PHI scheme, so can i lose out on my benefits

 

Im so sorry i have a million and one questions but im so stuck.

If any more information is needed im willing to give it, thanks for reading x

Link to post
Share on other sites

What are you off sick with and how long have you been off?

 

Hello and thank you for your reply. I have depression and anxiety - I have been off since 2009.

Link to post
Share on other sites

Do not rely on hearsay. You are being paid by UNUM under the terms and conditions of your insurance policy, not by your employer. Check the T&Cs of your policy (http://unum.co.uk/downloads/) and contact UNUM if unsure.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Do not rely on hearsay. You are being paid by UNUM under the terms and conditions of your insurance policy, not by your employer. Check the T&Cs of your policy (//unum.co.uk/dow nloads/[/url]) and contact UNUM if unsure.

 

Hello and thanks for your input.

The policy was taken out by my employer - I cant ask UNUM as they refer me back to my line manager (who says she is chasing the information).

The cover ends when my employment ends, as the site is closing my employment is ending too.

Link to post
Share on other sites

Hello and thanks for your input.

The policy was taken out by my employer - I cant ask UNUM as they refer me back to my line manager (who says she is chasing the information).

The cover ends when my employment ends, as the site is closing my employment is ending too.

 

When did they say this? It sounds very odd they won't speak to someone getting paid under the policy for a number of years.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

When did they say this? It sounds very odd they won't speak to someone getting paid under the policy for a number of years.

 

UNUM say they cant discuss anything with me as I am not the policy holder.

I have even tried to contact unum via email for a"general question"

Link to post
Share on other sites

I am not entirely sure which T&Cs apply to your exact policy as there are multiple sets on the website. Assuming you have the Group Income Protection Policy under the latest set of T&Cs, (http://resources.unum.co.uk/downloads/Policy_Conditions_GIPPOL_ALL_112012_web.pdf?2db98667-4835-6a94-a22c-e6c426ea374f), it seems that you will not get payment under clause 7.7.1 (b) as payments stop if you cease to be an employee. However under clause 8.4 if the policyholder (i.e. employer) ceases to carry on business entirely you would still be entitled to basic benefit despite non-payment of premiums.

 

If you are on long-term sick leave you are still entitled to a redundancy payment from the employer. If the proper consultation procedures are not followed then (perhaps) it could be unfair dismissal entitling you to a higher payout (can't speculate on this until it has actually happened). Arguably it can be unfair dismissal if the redundancy is wrongful due to failure to take account of the effect on PHI, but there is conflicting case law on this and unlikely to aplpy if everyone at the business site is being amde redundant.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

I am not entirely sure which T&Cs apply to your exact policy as there are multiple sets on the website. Assuming you have the Group Income Protection Policy under the latest set of T&Cs, ([resources.unum.co.uk/downloads/Policy_Conditions_GIPPOL_ALL_112012_web.pdf?2db98667-4835-6a94-a22c-e6c426ea374f[/url]), it seems that you will not get payment under clause 7.7.1 (b) as payments stop if you cease to be an employee. However under clause 8.4 if the policyholder (i.e. employer) ceases to carry on business entirely you would still be entitled to basic benefit despite non-payment of premiums.

 

If you are on long-term sick leave you are still entitled to a redundancy payment from the employer. If the proper consultation procedures are not followed then (perhaps) it could be unfair dismissal entitling you to a higher payout (can't speculate on this until it has actually happened). Arguably it can be unfair dismissal if the redundancy is wrongful due to failure to take account of the effect on PHI, but there is conflicting case law on this and unlikely to aplpy if everyone at the business site is being amde redundant.

 

Thank you so much for replying.

 

I have asked the line manager questions and they remain unanswered but from the information you gave me has shed a little light (i need to read read and read again for it to sink in).

This is how i have read the above.

 

From my understanding, only the site where i was employed is closing. (other sites are still open). I don't think it is wrongful as the site will not be there and it would be imposable for me to travel to other sites as they are over 200 miles away.

 

I would be entitled to redundancy, would this be the enhanced or statutory?

 

how can i find out if correct consultation procedures have been carried out?

 

I really am appreciative of your time, i feel like i am finally getting my head around things

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...