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    • Hello and welcome to CAG.   I expect people will be along later with answers for you, as and when they're able to get here.   Would your parents' GP back your father up in being at risk if he carries on working.   Here's information from ACAS in case there's a nugget that's helpful.   https://www.acas.org.uk/coronavirus/vulnerable-people-and-high-risk   Best, HB
    • Miley-was there not a third sheet from DCBL explaining that they were acting as debt collectors only? If not,  a complaint  should be made to the FCA querying whether they are fit and proper to retain their licence.  Many people will be frightened that they have bailiffs about to knock on their door when there is no way that it could happen unless one had lost at Court and then been unable to pay the fine within an allotted time at the very least. And had the fine been paid within one month there would be no  record of the CCJ on their credit report.
    • Hi Emmzzi,   We have been asked to sign the T & C’s for furlough. I was already working from home for protection and wasn’t sure of selection criteria used as not all employees are being furloughed. I could still work from home but employer now wants to furlough me.   Nic
    • Just have an outline of your proposed defence should the court set a side.
    • Hello, I am looking some advice for my elderly father. He is 79  years old. My mother is 73 and in poor health with several medical conditions (none of which meet the 'high risk' criteria the govt has set out however). Both of them have had to stay indoors since mid March because of their age if they catch the virus they are ulikely to recover, and there are plenty of cases of it in our local area. My father has been working for a company delivering car parts for several years to make a living, its a minimum wage job.    We checked the government guidance in mid march which seemed to suggest he was eligible for statutory sick pay as he met the requirements. He tdiscussed this with work who said they would look into it. However the employer has refused him SSP because he is not symptomatic, he's just staying at home so that he doesn't catch it and die.   They have also refused to furlough him because they are saying there is still work available for him and he can come back any time, completely ignoring the fact that it would be at great personal risk to do so at this time, and would also put my mothers life at risk as they live together.   Is the employer correct to refuse both of these? I have read the information from the government over and over but can't see anywhere that says whether employers can outright refuse even just basic SSP, I thought that was illegal?   Since work has kept him employed he can't claim jobseekers or anything like that. Is it just expected for him to go back to work and just hope not to catch it and die? It seems very unfair. My parents have worked hard and paid their dues their whole lives, never claimed a penny in benefits and still having to work in old age, and now something like this happens it seems there is no help for them. I can't seem them being the only ones who will fall into this category and be left to struggle. I am so shocked and disgusted at the way employers can act like this, even when the government is willing to pay 80% of the wages they still won't let workers have it, especially given that it would be out of pocket expense for them until the govt money comes through at the end of april for it. 
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sharmal

Payment Protection Premium - Shock

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I have just been going over my statements again from Cahoot, these were the only things sent when I sent in SAR as they did not to inundate me with useless information not relative to my case.

 

I have just discovered to my horror that they were charging me Payment Protection Premium since I took the card out in 2001. It never showed up as this on my credit card statements which I got online.

 

I know that I never requested PPI as I have always thought it to be an expense that was a waste of money because of the t&C's they stick in in the small print.

 

How do I go about claiming this back, they are becoming a bit of a headache this company and stressing me out now.

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Hi,

 

my approach was to first do the S.A.R - (Subject Access Request) and get the full amounts they have taken, then do a CCA request to ensure that you didnt agree to PPI on the original application (or if you did can they prove that they gave you adequate advice with relation to the T&C's and the policy relevance to your circumstances?)

 

 

 

 

If this helps, please click the scales of justice to the left!

 

:cool:

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omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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