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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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Suspended for Gross Misconduct HELP!


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I am by no means an expert on these matters but

 

 

I have been through similar myself so I know how you are feeling,

 

 

what they did not count on with me was that I had written evidence,

 

 

recorded evidence and witness statements when the charge against me for GM was brought.

 

 

I was out of the disciplinary in 5 minutes after showing up 2 senior managers as well as HR.

 

 

Anyway, this is not about me.

 

 

All I can advise is that you take either a responsible friend or colleague along for morale support or a trade union rep.

 

 

If they refuse this they are bang in trouble. Good luck

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Hi AF

 

Welcome to CAG

 

Could any of your conduct in full ot in part be considered an Informal Grievance before you consider lodging a Formal Grievance with the company?

 

Were you contacting other Co - Workers to gather information for your Formal Grievance rather then doing anything to undermine the company?

 

Could your conversation with the director be considered an attempt by you

to informally 'talk things through as your upset about the proposal'? i.e. an Informal Grievance

 

Have you got a Co - Worker you can take to the Hearing?

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Well, Atticus, it does sound like you question things. A lot. And when unhappy with the answer you got, you asked people to change the process so you could keep tabs on things - which doesn't seem to be your remit. Nor are decisions about who to employ.

 

The problem with bullying is that the person feeling bullied won't want to tell you to your face, and asking them if they feel bullied is in fact an act of bullying. They certainly wouldn't tell you they had given statements if they feared the wrong end of your tongue as a result.

 

So there may, in fact, be some merit in these charges, going on what you have writen alone.

 

Have you considered that you may be wrong? If you are, but refuse to see that you are, it all adds to the view of you as "obstructive."

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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Yes, you do have the right to see the evidence being used against you, notes of the meeting, statements etc. If the hearing has to be posted then that shouldn't be an issue. Send them an email, don't request them over the phone. That way you have proof that you requested the info.

 

http://www.acas.org.uk/media/pdf/l/g/Discipline-and-grievances-Acas-guide.pdf

 

Hi. I am not intending to issue a grievance against the company. I contacted my co workers because I thought that the information my director had been given regarding extra work coming in to the department to be incorrect. This has subsequently been shown to be true. Although I resigned from the union some years ago, the union rep has agreed to attend the hearing with me.

 

Can I request that notes from the initial meeting (taken by HR) and evidence of their investigation and witness statements in relation to the charges of bullying be issued to me prior to the Disciplinary Hearing? Can they refuse this request?

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He has worked there for 35 years, there is nothing wrong with questioning things, if he's questioning things that shouldn't come as a surprise. I'm sure he's seen a lot of change in those years and questioned decisions in the past.

 

Well, Atticus, it does sound like you question things. A lot. And when unhappy with the answer you got, you asked people to change the process so you could keep tabs on things - which doesn't seem to be your remit. Nor are decisions about who to employ.

 

The problem with bullying is that the person feeling bullied won't want to tell you to your face, and asking them if they feel bullied is in fact an act of bullying. They certainly wouldn't tell you they had given statements if they feared the wrong end of your tongue as a result.

 

So there may, in fact, be some merit in these charges, going on what you have writen alone.

 

Have you considered that you may be wrong? If you are, but refuse to see that you are, it all adds to the view of you as "obstructive."

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He has worked there for 35 years, there is nothing wrong with questioning things, if he's questioning things that shouldn't come as a surprise. I'm sure he's seen a lot of change in those years and questioned decisions in the past.

 

Maybe, maybe not. Neither you nor I work in that office!

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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Simple question - can you honesty not see how that can be interpretted as "difficult" by management?

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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by the way - you have a right to see witness statements "where appropriate". An example of where it would not be appropriate would be where a witness has requested the document not be shared because they are frightened.

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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