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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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rest between shifts.


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Hello,

 

Quick question about rest between shifts.

 

I can see doing a google search that this is 11 hours. But can I explain this situation.

 

If john works 9am till 7pm as national on call employee(no set work place) but his contract states 8am to 9am and 7pm to 8pm must be free unpaid travelling time.

 

However 1 day john finished his last job at 8.30pm and got home at 10pm.

 

Does the rest count from 8.30pm or 10pm when john got home??

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11 hours by law unless your employer has a workplace agreement with the union or workers. For instance, the legal is 11, but my employer and the union have an agreement for 8, but the employer must make good allowances if that person wants to move shifts at any time.

 

The rest time counts from the second he leaves his workplace/clocks off etc. Dependant on the wording of the contract.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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11 hours by law unless your employer has a workplace agreement with the union or workers. For instance, the legal is 11, but my employer and the union have an agreement for 8, but the employer must make good allowances if that person wants to move shifts at any time.

 

The rest time counts from the second he leaves his workplace/clocks off etc. Dependant on the wording of the contract.

 

Its a little vague, because i give another example. If john clocks off on his job at 9pm but drives 6 hours to get home, so home time 3am. But his shift starts again in 6 hours (but the contract states he must leave at 8am so technically 5 hours)?

 

Does it count from 9pm or 3am. If it only counts from 9pm that means the law recommends driving is rest?

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If he clocks off the job at 9pm then thats when his shift has officially ended. The time starts from then. Otherwise people could abuse it by saying they had to drive 6 hours to get home every day. 6 hours there, 11 hours rest, 6 hours back.... No work would ever get done. It isnt the employers concern where you live. ALl they care about is getting the job done and making sure someone is there ready to start work at the stated start time.

 

regarding your final statement, i think you have misinterpreted it. The law doesnt care where you live or how far away you are. Thats your problem. All the law covers is the time in between the end of one shift and start of another. Otherwise the people who live close to the workplace would be worse off than the people who live far away.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If he clocks off the job at 9pm then thats when his shift has officially ended. The time starts from then. Otherwise people could abuse it by saying they had to drive 6 hours to get home every day. 6 hours there, 11 hours rest, 6 hours back.... No work would ever get done. It isnt the employers concern where you live. ALl they care about is getting the job done and making sure someone is there ready to start work at the stated start time.

 

 

But what if the system is not being abused.

 

What if an employee genuinely drove for 6 hours to get home at 3am and then had to leave his house again in 5 hours time?

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Thats the employees problem. Not the employers. As far as the employer is concerned, the shift finished at 9pm, and the employee is scheduled to be in at 8 am the next morning. Or whatever times you want to substitute there.

 

As a real life example. I finished work one day last year at 2 pm after an 8 hour shift. I had to be in london for a meeting with a new manager for 7 am the next morning. This meeting was 3 hours long. I then had to go to bradford to my companies head office for a main meeting the same day. I then had to drive home, get sleep etc, and be ready for work at 8 am the next morning.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thats the employees problem. Not the employers. As far as the employer is concerned, the shift finished at 9pm, and the employee is scheduled to be in at 8 am the next morning. Or whatever times you want to substitute there.

 

If an employee told his employer he cannot do that job because he would get home too late. But the employer demanded him to do it anyway. Employees fault?

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Depends on the job and if there is anyone else that is able to do the job and not travel that far. They cannot DEMAND you do it like that, but they can ask and make it a reasonable request, especially if there isnt anyone else around to do it. But normally in that hypothetical scenario you stated, they would give plenty of advanced notice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Depends on the job and if there is anyone else that is able to do the job and not travel that far. They cannot DEMAND you do it like that, but they can ask and make it a reasonable request, especially if there isnt anyone else around to do it. But normally in that hypothetical scenario you stated, they would give plenty of advanced notice.

 

I see, Let me explain the scenario in a little more details.

 

so if john was told by his employer at 4pm to go to this job which the distance is a longer distance than the 60 minutes travelling home his contract states he needs to give and was told he needs to attend the job at 6pm. John told his manager sorry if i do that i will finish the job when my shift finishes at 7pm BUT i will not get home for 2 or 3 hours (contract states need to give 1 hour travelling unpaid). This taking him into overtime john does not want to do. His manager told him sorry you have to do it. There is 2 other employees closer that work in the area of this job but they have another job to do already.

 

Johns contract is not a national on call engineer (sorry for putting that in the first post) he works in a allocated area but the job his manager was telling him to do is outside of his allocated working area.

 

John has only just 2 weeks ago returned back to work on full hours, prior to that john was on reduced hours by his GP.

 

Also what if manager has full access to trackable vehicle to notice when john got home?

 

If the '11 hours rest' includes the travelling home whether it be 10 mins or 10 hours. Potentially you could lets say drive home for 10 hours then get 1 hour sleep then back on your shift again (manager knows where you live and insisted on sending you miles and miles away knowing you'll get home too late). Then after your 1 hour rest you go back to work and kill a family of 4 on the road due to your tiredness. Employer would not be responsible at all because its employees fault for living too far away from the one off job the manager sent you on? SO here we are not talking about a fixed place of work such as tesco whereby you'd expect most employees to live within 15 mins from there workplace. We are talking about a field support position whereby john does not know where he will be going throughout the day till the last minute.

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And neither did your response. If you are actually asking a questiong for yourself or another then say so. if you are trying to get people from this website to do your coursework or homework have the balls to say that you are lazy and can't be bothered to do your own work.

It is easier to enter a rich man than for a camel to pass a needle

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Ahh, so there we have it. It is a theoretical scenario purely for coursework. Ill bow out now and let the admins handle it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope, its a genuine question for a genuine scenario which has occurred. I am 33 years old, i did course work 13 years ago.

 

Since the last message i have spoken to unite the union and they advised what you have mentioned renegadeimp is INCORRECT.. Just to clarify and make it clear for others reading this.

 

TRAVELLING HOME FROM A JOB THAT YOUR BOSS/MANAGER SENT YOU TO IS NOT CLASSED AS REST. THE MOMENT YOU STEP FOOT OVER THE THRESHOLD IS THE MOMENT IT IS CLASSED AS REST BETWEEN SHIFTS.

 

Of course there has to be some common sense here. ie.. an employer would NOT employ you knowing you live 2 hours from a fixed site based workplace. If they did then they would of been notified of this by the employee and therefore the employer has to take travelling into consideration from when the employees shift starts the next day. I didnt think it added up that travelling was classed as rest, after all as i say you could get stuck in traffic and only have say 3 hours rest at home before your shift starts, that is the EMPLOYERS problem not the employees. Just to make that clear.

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Word of advice. DOnt believe what unite says. i was a steward with them for almost 7 years, and i left for a good reason.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Word of advice. DOnt believe what unite says. i was a steward with them for almost 7 years, and i left for a good reason.

 

Hmm, then it would leave me still confused. Unite said if your job involves driving then travelling home is not classed as rest till you physically get home.

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If unite was right then the rule would be hugely exploitable

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If unite was right then the rule would be hugely exploitable

 

Not if you have a company vehicle with a company tracker attached. This verifies everything.

 

If travelling was classed as rest and not part of the shift as i mentioned before i can flip the situation completely and i could potentially have say 2 hours sleep at home before my shift starts due to travelling home for hours and hours. Then the next day i could crash due to lack of rest and for example kill someone due to lack of rest. Its 100% the employers problem, they employed you therefore they know where you live. If your stuck in a traffic jam for 10 hours the employee did not and can not change where the location of the employers premises or customers are located. The employer knows where you live and therefore has to take responsibility if any travelling issues occur. Of course this is only true if as i understand your job involves driving ie... courier, plumber, field engineer...etc.

 

If you have a fixed place of work such as tesco's the rules may be different. But as i say if your job involves driving, rest is when you are at home.

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Are we not forgetting something, if an employer sent you to a job that he was aware will take you six hours to get back home after you completed that job. He will be unwise to tell you that you had to report back into work 5 hours later without the permitted rest period. This will be covered under Regulation 3 Management of Health and Safety at Work Regulations 1999. No doubt a Safe Systems of Work as well

 

http://www.legislation.gov.uk/uksi/1999/3242/regulation/3/made

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