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    • There have been significant developments today, and unfortunately, they are not good.   Firstly, myself and other people that have looked at and contributed to this thread would have assumed that Lowell would have discontinued, after taking it right to the wire, however, this appears not to be the case.  It looks like they are going for it big style.   Secondly, I was reading the threads last night, a credit agreement exactly the same as mine was taken to Court and a Judge said it was enforceable and the defendant lost the case.  That knocked the stuffing out of me quite a lot.   Thirdly, and most seriously, I was having a word with my line manager at work (who is also a good friend) this afternoon.  He told me (off the record) that I was putting my job at risk if I lose the case.  Apparently, anyone who gains a CCJ is duty bound to declare it and disciplinary proceedings will follow.  I do not work in the financial sector where I know this is commonplace, but I work with confidential and sensitive information and was told that my employer will think that I am vulnerable to bribery and corruption.  Apparently they will take defaults into account, (I did have a couple of defaults when I first started), but a CCJ is a big no no.  I did not know this as I would not have let things get anywhere near this far.  I was told to get this sorted ASAP.  My stress and anxiety levels are now through the roof.   How I wished now I had just arranged that damn Tomlin Order with them a couple of weeks ago.  If I knew then, what I know now, it would have been a "no brainer".  I do not want to gamble with my job. Where I live, jobs are very hard to find.  I could end up jobless and homeless for just one "appointment" with the Judge.  I simply cannot take the risk.   So where do I go from here?  Is it too late to go for the Tomlin Order as the hearing is on Friday.  It would solve all of my problems at the moment and help me keep my job and my home.    I have no savings, no property and my reasonable expenditure is just about my income, so they could not get much out me.  Perhaps £10 a month is the maximum I could afford.  I feel now I have burnt my boats and I am at their mercy.  I absolutely hate them with a passion.  But I also hate myself, as I should have researched fully the consequences of my job.   Is there any way I can sort this mess out before it's too late?  Any ideas would be most welcome.  
    • Did you sign a personal guarantee? Have you a copy of the ccj? is it in your name or the ltd company name?   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Limited company ccj&oq=Limited company ccj&gs_l=partner-generic.12...23159.34137.0.36634.
    • Thanks dx100uk  ....  Thought not, but just checked to be sure and no neither one used ...  A parking/penalty slip, and in just the above post only.
    • Admiral probably won't offer near £3600. They are most likely to offer lower end of value shown in Glasses guide. Then you will have the excess deducted from the amount.   Always up to policyholder to negotiate the market value by providing evidence of similar cars for sale locally. Details of condition of the car pre accident etc.    Depending on the damage you can always get a local garage or AA/RAC to carry out an inspection and report on damage/costs of repair. But they may charge you and the Insurers won't cover costs of your inspection report.   Insurers don't mess around with repairs over a certain value, as can be a pain, as they would be liable for more repairs if policyholder unhappy after initial repair or damage was missed.   The £100 injury cover i thought was not cover for actual injury. I thought this was cover if you incurred costs due to be injured e.g. ambulance call charge.    Cannot really criticise Admiral as what you have been told by them appears to be correct. Unfortunately most people don't realise how Insurance works until they need to claim.
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Student work year and commitment.

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Hi guys,


my nephew is training to be a optometrist. Part of his university deal was he would he a one year work experience and in 4th year do some research and get a masters.


Part of the deal was either pay £8000 to the store of training or work for one year after qualification for one year.


£8000 covered his training and help along with perk of working and being paid minimum wage. It also covered the cost of the “mini masters”.

(one year he has worked, got paid £7.00 odd pounds and was treated like crap, little training and a lot of shouting)


Now he is going to have his masters soon in July and does not have the £8000 to get out of the contract.


  1. The store was not of his choosing in fact got cheated by his university.

  2. The store paid absolutely the worse wages of any of his class fellows.

  3. After qualification he is going to get minimum wage only.


Main problem is either he drives to work or catches a train.


Driving is 2 hours per shift and train is about 3.5 hours.


Having had a word with the store owner he said all he is going to pay for 12 months is minimum wage and he is not obliged to pay more.


So we need help with either negotiating or getting out of the contract.


We simply do not know what to say or do to either convince the director to take the £8000 in installments or pay more.


Please note if my nephew works for minimum wage he will be earning 1/3 of his class fellows.



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I am not sure all information has been given for anyone to advise on this properly.


Someone would need to sit down and read through every document that your Nephew was provided with, to examine the exact basis of what he has agreed to. 


I can only suggest that your Nephew seeks help from the University in the first instance, as they seem to be party to these contractural arrangements. Or if the University is not helpful, is he a member of Students Union or any organisation that can assist in reviewing this ? 


Full details should have been provided before agreeing to an arrangement, to see whether it was the best available. Perhaps the paid work experience jobs being paid at a higher wage rate were all taken and your Nephew had no choice but to take the one for minimum wage.  Perhaps the one paying minimum wage is a smaller company and they could not afford to pay more. 


If your Nephew can obtain a much better paid job elsewhere, then why not just break the contract by not working for minimum wage for the year . Earn a lot more elsewhere and offer to pay the £8k by instalments, if he has definitely agreed to pay £8k if he does not work for them. As long as your Nephew is paying what he contracturally agreed to, then I am not sure there is much the company could do about this. 

We could do with some help from you.



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thank you.


What he wants to do either pay the £8000 over some time, lets say a year or get paid more as hes qualified with masters degree.


initially the contract was for boots specs however the talk is uni professors did not get enough kick back so therefore they said either go else where or get what you are given. some even traveled 100 miles for there placement. as the contract had alot of ifs and buts students were stuck. whole purpose of the degree was that they worked for boots.


Student union or visit to some cheap solicitor is in order.



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we would need to see the terms of the course to help resolve this as with the sketchy version given it looks as though his complaint is with the university and their forcing of an unfair contract upon him.

rubbish work placements are the norm but i havent com across one where you pay to do the placement so it looks as though the couse admin people have the worst negotiating skills in the world.

My son had to do 1 yr professional practice to become an architect and although he ended up with a third rate company that didnt pay him other than expenses  he wasnt expected to pay them for the pleasure of designing bathrooms, his previous placement was with Lord Foster working on the new Eurostar terminal and he got paid for that and not expected to reimburse anyone afterwards and I dont think his fellow students were enslaved either.

If the going rate for thejob is 3 times the MW then he asks fro that salary to work there and if they say no then they have frustrated the contract, not him.

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