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    • I dont see anything significant for the UK in the Japan deal at all Some extra access for financial institutions ... maybe ... in a few years   but other than that there seems to be little other than some gains for Japan in ability to use the proposed 'tax haven freeport sites (they dont have to be at ports) ' to 'virtually' ship parts through the UK into europe as cars - probably supported by tax payer funded allowances while paying naff all in UK taxes.
    • Hi thanks you. I feel all over the place at the minute. If I've been overpaid I'll happily pay it back. I'll explain my issues thank you. I'm dyslexic and I'm fine with written down information but processing spoken word i struggle should I explain that on the phone? Thank you for your help. I have thank you the only thing i receive is child tax credit 
    • and it would seem in Manchester that the Nightingale hospital is being used for NONE covid patients in a ridiculous (but clearly necessary due to lack of staffing) heinous over breakfast way
    • Hi.   Believe me, this isn't rambling.   Don't worry.   Usually, Compliance isn't nearly as scary as it sounds. The thing is to be honest and answer their questions to show you're trying to co-operate. If you explain the problem you're having with the proof that they want, I'd expect them to be understanding.   People here have done far worse than you have and have just made arrangements for what they've been overpaid to be deducted in affordable  instalments from future benefits.   Have you checked on something like the turn2us benefits calculator that you're claiming everything you're entitled to?   HB
    • Hi, yes it’s Arc. Signed up in Oct 2019 for 1 year. Now being told I must pay till March as they stopped taking payments for 5 months. Before the Covid carry on I was there almost daily. I’m now being threatened with debt collectors because I’ve missed one £45 payment. Do I do what trading standards say and complain or just ignore everything? I’m raging at how unhelpful and unsympathetic the staff are. I’m determined not to give them any more money. 
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Flora

With all due respect employers can ask your age but what they mustn't do is discriminate because of it. Sometimes indicating age can be a sign of experience.

 

What is you advice on putting a name on the CV. Would you for example put Rishi Mistry - a name I chose at random which would suggest male of Asian decent or R Mistry , unknown gender of Asian decent?

 

It is probably easier though with the age just not to put anything although much can be deduced from experience and qualifications.

Any opinion I give is from personal experience .

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Definately sympathy fr you- in my work ( physically demanding ) its a young mans game - but its my experience and qualifications that get me thru' -def recommend further training / upping yr education. ( Am 50 too ) K

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I'm also over 50 and I've just become unemployed within the last 6months, been teaching. In order not to get into a rut I am trying to get into volunteering but finding it quite difficult. There was a time when you could just volunteer but now you have to complete s many forms and even then it is still not easy getting one.

 

Any advice will be welcome.

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what subject did you teach? Where I live always plenty of jobs for p/t teachers and TA's but the hours and pay tends to be pretty poor as based around a 2-3 hr day either side of lunchtime 5 days/wk and they expect you to chuck in a bit of unpaid extra time to cover.

Some colleeges where they do vocational courses more promising but they do tend to have an oversupply of candidates offering the more practical courses that are considered to be "leisure" such as upholstery and even horticulture.

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Some people say do not put anything that could show your age on a CV so DOB would then be out. However, people overabout 47 will have done O levels and CSEs which kinda give the game away.

 

As for the WP , I'm sorry but to say if you really want a job you will get one is not true. There will be good areas and advisors and bad areas and advisors.

 

It is a bit pot luck

 

 

I totally agree.

 

Trying hard dose not guarantee you a favorable outcome in the jobs market, if there are 2 vacancies and 20 people go to that interview there is nothing to say you will succeed,one can only try and hope they are eventually lucky.

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I'm also over 50 and I've just become unemployed within the last 6months, been teaching. In order not to get into a rut I am trying to get into volunteering but finding it quite difficult. There was a time when you could just volunteer but now you have to complete s many forms and even then it is still not easy getting one.

 

Any advice will be welcome.

 

They are crying out for teachers , particularly in STEM subjects I.e science based subjects , there are even extraordinarily generous bursaries to do PGCEs in some of these subjects. Mind you, I could never teach... as the saying goes, love children just can't eat a whole one.

Any opinion I give is from personal experience .

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