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    • Hello, I had a phone call saying it was an interview about my childcare costs sating back to april 2019! I knew nothing about this interview so they have rearranged for this Thursday. I'm really worrying about what it means? Why are they doing an interview and what sort of things do they ask in really really worried about what will happen. My anxiety has been through the roof please can anyone advise?
    • I understand that it is my job to change the mortgage to a better interest rate but what I am referring to is potentially being mis sold the mortgage in the first place. followed by being penalised and charged for moving to another lender. Thank you for your response though.    
    • As long as Evershed's are opposed to the dealer, then frankly it really doesn't matter if it goes on to the fast track because the dealer will lose. They were on a losing case anyway – but now that they are up against Evershed's it is pretty well a dead certainty and that means that they will pay the costs However, I agree – better to be on the small claims track
    • Good day all,  So, i filled my defence to the court after sending the CPR31.14 Request to the claimant.   The court responded early last week with a Notice of Proposed Allocation to the Small Claims Track, which the consider the case suitable. I was then advised to complete box C1 should i not deem the case fit for the Small Claim questionnaire (Form N180) and return to the court and the other party by 2nd of Nov,2020   Also, a letter came from the claimant towards the end of last week titled: 1)Right of access request relating to PCN.............   2) Old PCN notices 3) Letter before Action- Claim for Debt 4) How to pay 5) Information sheet 6) Reply form- 30 days grace to return filled form 7)Press summery- reference to old cases won 8)Claim form- Reference only   No reference was made whatsoever regarding the CPR31.14 request.    Your views, opinions and advise will be much appreciated as usual.   Thank you all! 
    • so you haven't then..   choice is yours then   dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Reasonable Adjustments Equality Act 2010


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Hi.I have various reasonable adjustments at work, but I'm struggling with my employer over an issue that affects the very start and end of the working day.We have to fill in a time sheet sort of thing which shows what time we arrive, what time we have dinner and what time we leave. You are not deemed to thave started work until you have logged into the computer and logged onto the system. This can take 5/10/15 minutes depending on any system updates that have taken place, or whether your PC decides not to play ball.After that you have a maximum of 5 minutes 'logging on time' before you have to start taking calls (call centre). The 5 minutes is there to allow you time to get your equipment out, open all other necessary systems, get a drink, get comfortable, etc etc.I have problems with chronic pain and mobility, therefore getting a drink etc takes me longer to do.There's then also the issue of my medications.I have a specific routine with my meds which I have had for a couple of years. My meds are taken at the same time every day and this helps to manage the condition.Originally this routine was set around the time I got into work. I wouldn't take my meds before driving into work due to the nature of them, so I would take them after I had arrived. Some of the meds have changed but the routine has stayed the same, i.e. I no longer have any modified release pills that have to be taken 12 hours apart.Recently I have been awarded access to work and now get a taxi to and from work.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Recently I have been awarded access to work and now get a taxi to and from work. my employer has taken the stance that this change now means that as I don't drive to work any longer that I am somehow pain free in the morning and so don't need to take my meds when I get to work and should instead take them at home.My argument is that a routine has been established and that changes to that could be detrimental to the management of the condition.It is my belief that it is reasonable for adjustments to be made to a) allow longer than 5 minutes for logging on in the morning due to the need to get a drink etc which takes longer to do with limited mobilityb) allow time within this 'logging on' period for me to take my morning dose of medications (all other doses I take during my morning/afternoon breaks and at dinner time, so in my own time).I'm not asking for the logging on time to be extended to 30mins or an hour as that would be stupid, I'm merely asking that it be extended to 10/15 minutes to give me time to get sorted before starting work.Any advice appreciated.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I'm not totally sure why the answer is not to arrive at work earlier?

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 not totally sure why the answer is not to arrive at work earlier?

 

It‘s not that sort of deal.

 

It‘s not like there‘s a hooter that goes off at 9am and that when you start and finish at the hooter at 5.

 

Generally it‘s not possible to get in any earlier as I get my kids ready for school in the morning whilst my wife works then I go raight to work after they have gone.

 

Whatever time I get in is the time I log onto the system.

 

So like today, my shift is scheduled to start at 9:45, I arrived at 9:30 as traffic was good. I turned on the PC at 9:30 and waited for it to load up and logged into the system at 9:35, so I put 9:35 into the time sheet as my start time, therefore I gain 10 minutes ‘flexi‘. By the employers rules then I have 5 minutes to get all other systems up, get a drink, get seated and settled, take my meds etc etc. If I go over that 5 mnutes it automatically goes onto a discrepancy list and I get questioned about why its taken longer than 5 minutes.

 

My argument is that it would be entirely reasonable to extend that 5 minute logging on period to 10 minutes to allow me extra time to get a drink and take my meds (which involves measuring out meds with a syringe), get seated and comfortable etc before taking the first call.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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If you arrive at 09:30 what stops you taking the medication before starting up the computer?

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Generally it‘s not possible to get in any earlier as I get my kids ready for school in the morning whilst my wife works then I go raight to work after they have gone.

 

If the problem is the kids, then you need a family friendly flexible working request, not a disabilty adjustment. IMO your request is not "reasonable" because it's required because of your domestic situation - not your disability.

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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but then I‘m losing out on the 10 minutes flexi. How is that fair? it may onl be 5 or 10 minutes, but 5 or 10 minutes a day for 4 days a week, 52 weeks a year is a lot of time.

 

then there are the days I get to work at at 9:45 or even later, in these cases I would be losing a further 5 minutes.

 

The employer is already doing everyone out of 5/10 minutes every day by not counting the time that it takes to turn on the PC and for it to load up as ‘working time‘ for the purposes of the time sheet.

 

I don‘t know about anyone else but I consider that as I need a PC to perform the duties of my role, then turning the thing on is part of work, and so the time on the time sheet should reflect this. They claim it isn‘t part of the working day.

 

I was always of the opinion that reasonable adjustments were put inplace to help those with disabilities, illnesses to be on an equal footing to those without medical issues/disabilities?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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If the problem is the kids, then you need a family friendly flexible working request, not a disabilty adjustment. IMO your request is not "reasonable" because it's required because of your domestic situation - not your disability.

 

How do you work that one out. It‘s a problem because a) I take medications, for my disability, at work which takes time to measure out and take, and b) it takes me longer to get to and from the kitchen/drinks machine due to the mobility problems I have. Therefore the 5 minutes logging on time isn‘t long enough and IMO the adjustment is to extend it by 5 minutes.

 

It wouldn‘t matter if I got to work 1 hr early, the 5 minutes logging on time still wouldn‘t be long enough. It‘s the logging on time that is the issue.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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.

 

The employer is already doing everyone out of 5/10 minutes every day by not counting the time that it takes to turn on the PC and for it to load up as ‘working time‘ for the purposes of the time sheet.

 

That's a matter for your union, then, if everyone thinks it is unfair.

 

I still think you are making mountain out of a molehill and should just get on with it. With modern syringes measuring and injecting takes a matter of seconds.

 

 

But by all means try it in court ....

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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How do you work that one out. It‘s a problem because a) I take medications, for my disability, at work which takes time to measure out and take, and b) it takes me longer to get to and from the kitchen/drinks machine due to the mobility problems I have. Therefore the 5 minutes logging on time isn‘t long enough and IMO the adjustment is to extend it by 5 minutes.

 

It wouldn‘t matter if I got to work 1 hr early, the 5 minutes logging on time still wouldn‘t be long enough. It‘s the logging on time that is the issue.

 

So do stuff on your wn time, before you log on. Or take a flask of tea from home. So many options.....

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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Having working in a few big call centres, 5 minutes slack time to get a coffee and take some meds seems quite generous, many employers would expect you to do this before 'clocking in'.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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