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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 
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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.

      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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Hello and welcome to CAG.

 

I've moved your thread to the main employment forum and hope the forum advisers will be along later. It would be helpful for us if you would tell us a bit more about your story please. :)

 

HB

Illegitimi non carborundum

 

 

 

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when your wife added dates - did you then stay off for longer than you were signed off for? I am not understanding the problem.

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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off a week wife thought sick line was for further week when i went down to doctor to get back dated fit note this came to light employers had wrote to doctors.must add wife from another country didnt know how our lines worked

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she phoned doctors explained the situation and they understood and in my case getting a doctors re appointment is very hard and i usual have to get back dated sick notes to cover me

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Alex,

 

It is a little confusing when you tell us bits and pieces. What would really help is if you tell us the whole story in date order.

So

 

1. was too ill to go to work wih the flu 1st Feb. Caled work, and GP. Could not get GP appt for 10 days.

2. 11th Feb. Finally saw GP. They signed me off from 11 Feb - 18 Feb

3. Wife took sick note in - I didn't know she had changed 1 Feb to 1 Feb on the form

4. 14 Feb boss called to ask why my form had amended dates in different ink

5. Recieved invitation to investigatory interview on 15 Feb by post; interview is 15 March

and so on.

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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sorry off 12 feb sent in doctors line for the following 7 days plus an internal sick line works from off self cert gave boh to wife she thought the line was for the following week and added the dates from the 18th to 25th i phoned doctor again a wasnt able to get appointment till the 24th thinking i could get backdated line not knowing wife had added dates to sick line and that my employers had wrote back to doctor now charged with gross misconduct wife had added dates with different pen from my pen and doctors manager even mentioned this to union rep

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ok. and what is happening now?

 

hae you been asked to a meeting,and if so, what kind?

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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aksed to meeting explained situation now charged with gross misconduct know i may be sacked for such a silly mistake and my wife is really upset blames herself over the mistake ,must add my wife suffers from depression and im really worried about her

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went to meeting charged straight away with gross misconduct , my wife is very upset suffers from bio polar depression she was on the phone to doctors straight away and explained the situation and the doctor was very understanding wrote to my exployer providing punitive evidence that i was still sick and issued new sick line from the 25 off this month and further sick notes

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And what does your rep say?

 

I can only really tell you if I were your employer, you have done what you can to show you were genuinely ill, and I'd give you a warning... because you weren't really trying to commit fraud.

 

If I had to sack everyone whose spouse was occasionally daft no work would ever get done.

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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my rep says to wait and see what happens im really worried about my wife she wants to phone my manager or send in a letter , my doctor has already said i was sick and would be sick for another few weeks ive acute bronchitis and am still getting treatment ive filled in alot off fit lines over the years with my employer and they have them they even mentioned to my rep the hand writing was completely different from mine

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Honestly I think your wife has "helped" enough already. Your explanation seems really plausible. (and if you read my threads I am not easily convinced...)

 

Getting your wife back to the GP for treatment for her would seem to be a useful thing to do, though. Does she have any other family or friends she can talk to?

 

You could also knock up your CV just in case. Probably won't need it.

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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I'm afraid health is a little outside my expertise...

 

 

 

 

I recommend Mental Health First Aid training. I teach it, so may be biased, but we get universally good feedback.

 

 

Stress can be a triggering factor for manic episodes in bipolar disorder.

 

OP, if you are concerned about your wife's mental health, you should be able to contact her psychiatrist or CPN directly without having to go through the GP.

 

Alternatively, and if you think the situation warrants it, there will be a MH crisis team in your area who will be able to advise you.

 

There's also help and support at bipolaruk.org.uk

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if it was due to something permanent, yes.. if it was a cold or a stomach ache.. you need to use common sense here!

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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wrongly dated the 12/12/15 should have been 12/02/15 im wondering what information a doctor can release about fit notes

 

Well, in this case it's just a mistake.

Surely nobody can look that far into the future and predict that you'll be sick next December.

I can't see this going any further than an initial investigation.

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unless you abused the note and really did take 2 months off with a minor ailment... in which case, breakdown of trust and a dismissal might be on the cards.

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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Hold on,.. just made the link... you are also the person whose wife edited his fit note?

 

You do need to tell us the whole story, or we won't be able to give proper advice. Did the doctor make an error also, or what?

 

Can this not be easily fixed by boss talking to GP, or is something else going on?

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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