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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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      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.

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So Glad I found this site in time


Ell-enn
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I only discovered this site a couple of weeks ago and have been addicted every day since - the amount of knowledge and confidence you all give is tremendous.

I'm not sure if this is the right section to post this but -

Yesterday an employee came to me (as HR manager) and showed me a notice of eviction for tomorrow at 12 noon. He explained he would need time off to sort something out. It transpired that he had got into a terrible mess with his mortgage and had just buried his head in the sand until he received the eviction notice. As he lives on his own and is quite a solitary person he had told no-one of his predicament. I managed to get out of him that he had an endowment policy which if surrendered would more than cover the arrears. A phone call to the insurance company confirmed this and within half an hour they faxed confirmation of the amount he would receive.

Next thing I did was log on to CAG and after 20 minutes or so of reading I downloaded the N244 form from the courtservice website, filled it in with him, wrote him a letter of support as his employer and affixed the fax from the insurance company. He took it straight to the local court and was told he could see the district judge at 10 am this morning.

He rang me at 10.30 to say that he had been given a stay of 28 days to allow for the surrender of the policy to complete.

I cannot tell you the relief that man felt - he was in tears.

This was all due to this wonderful site. He has promised to make a donation as soon as he has received his funds and cleared his arrears.

If this is not the right place for this post please can a mod move it? Many thanks. Ell Enn

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Thanks DMD, it's good to know that I can get advice for any other employees who might need it........

 

I've just got to fight my own battles now, and with the help on this site I'm nowhere near as scared as I was 2 weeks ago!

Help us to keep on helping

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Fabulous news Ell-enn - brought tears to my eyes too - I just wonder how many people lose their homes because they haven't got anyone to turn to and are too scared to go to court. Power to the people:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks HAK.

Goldlady, thanks too - people just don't know that they can challenge something which they think is a "done deed". This chap would just have stood outside his house and let it happen tomorrow - it just doesn't bear thinking about... he had nowhere to go and as he doesn't drive couldn't have got even a few of his personal effects moved. He went home at 11 am and slept till 6 this evening - he hadn't slept for more than a couple of hours a day over the last 2 weeks. I can't tell you how much this has touched my life.......

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Curlyben, to be fair, having had (and still have) financial trauma my own life makes me much more sympathetic to the plight of others and also recognise the need to react quickly. Unfortunately not everyone in trouble is able to muster the fight. A lot of of HR departments are more concerned with performance statistics than applying the duty of care they have to their employees - but we can't change the world in a day can we!

I've got to see a guy this morning who has been having a lot of time off "sick" and has admitted to his line manager that he has serious debt problems - guess where I'll be logging onto in an hour or so................ ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I wish I'd known about this site when my mate was about to lose his house, things might have turned out very different.

 

I'd so glad that there's genuine instances of people finding practical help through CAG - and HR people who are willing to take a more holistic view of employee welfare :D

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  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Thanks for the tickle Sosumi - just logged on again to see if I can get some info for another employee who's in trouble - fortunately not as bad as monday's situation, but bad enough. It's unbelievable how many people are suffering with debt - I look after nearly 250 employees here and in 48 hours have had 2 instances debt problems thats 1% of the workforce (that we know about!!!). There are probably others who won't - or can't - bring themselves to admit it!! what a minefield...........

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Given my experiences over the last couple of days - I've decided to enrol on a consumer law course - might even be able to persuade my employers to pay for it on the grounds that it will help me to deal with employee welfare situations. Found a couple which might be suitable - will keep you all informed when I get started.

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I've always suscribed to the "Human" part of HR ....... no self respecting HR practitioner should be just a management tool !!! it's a practice that's worked for me for 10 years. Mind you - it helps if you have a bit of "life experience" behind you when dealing with people - it takes all sorts, as they say.

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It was for mortgage arrears - Nat West...

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Well done Ell-enn.

 

1.7 million people last year sought debt advice from the CAB alone (figures are estimated to be higher this year) and it is estimated that 8 million people in the UK have unsecured debts of £10K or more, so it's not suprising you have a few with serious debt problems in your company.

 

Glad to read that you are actively helping them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Nitrous Oxide - as soon as his arrears are clear and I can get him to think straight - I'll be encouraging him to look at his penalty charges. However, it looks like he's got a few more debts to deal with in the meantime, but not as serious as the repossession threat.

You're right about the good feeling you get when you help someone -managed to get another guy "on the right road" this morning too....... He was so distressed by the constant phonecalls from a DCA he couldn't sleep and therefore wasn't fit to come to work in the morning, this was affecting his earnings - a vicious circle that hopefully will ease soon.

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Its great to see a happy ending in here.. just shows that a place like this does work. debt is a terrible burden for people to bare and most often bury their head in the sand and hope it will eventually go away but alas this is not the case, Im also learning about the laws and regulations with regards to debt and bailiffs and this site has been a great source of information and help and in turn I have been able to pass help on to people with debt problems etc well done you *hug, :)

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ODC, thanks for the tickle - and for the suggestion - consider it done 1st thing in the morning, though I'll probably say they could come through HR (in confidence of course) if they don't own a PC or have computer skills.

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