Is she in a union ?

 

If I were presented with a form containing such questions and compelled to compete it, I would sign it off with "I am not trained or qualified to assess the premises". The next stage would be to raise the matter with the union and go down the formal grievance route. Further more, these sorts of questions should have been asked by whoever was sourcing the facilities long before any employee is required to go there.

No she is not in a union unfortunately. Totally agree that this should have been done prior to any employee going to such venues. The seating is poor a hard back plastic chair and a makeshift desk and in some cases they are expected to sit there for almost 7 hours

Hello

Not sure if this is the right platform for this I am sure someone will advise.

My daughter works for an employer whereby she is sometimes required to go offsite and use premises to conduct specific types of interviews etc. This could be a church hall a leisure centre even a cafe virtually anywhere they can get a seat. After some rumblings about health and safety each employee has been sent out a form to complete. It is a full health and safety questionnaire regarding the places they visit. for example here are just a few questions on the form that my daughter is being asked to complete, there are many many more questions. Please bear in mind that she has no Health and Safety training or any associated qualification.

"Does the area to be occupied by us appear to be in a reasonable state of repair and without obvious health & safety hazards?

Are there adequate fire arrangements for the site, including:

means of escape from the areas that you intend to occupy, in case of an emergency?

all exits clear of obstructions?

adequate signage on fire exit routes?

clear fire evacuation arrangements, including Fire Action notices and Fire Wardens where necessary?

Are there adequate security arrangements, such as CCTV, panic alarms, security personnel etc.?

Is there adequate connectivity on site?

She has then to sign the form and return it to her employer.

To me, these assessments should be conducted by a fully qualified H&S officer prior to any scheduled visits by employees but like my daughter many others are visiting these places on a daily basis and have been for some time now.

Anyone give me some advice on this matter, is this the norm or is it bordering on the illegal.

Ah sorry I read your post incorrectly - I thought you said "you should NOT inform your creditors of your correct address" where in fact you said "you should never NOT inform your creditors of your correct address" my apologies. I will get it sorted now

All I can see under the SAR template is this

ull Subject Access Request under the new GDPR 2018 regime

tips for a successful SARicon......

you MUST sign the SAR.

if you have moved since taking out 'whatever' you are sending the SAR for

you should include a list of your addresses from the time of taking out the 'whatever'

and if you have moved

its worth including a copy of your current CTAX bill

to prove who and where you are now.

an SAR always goes to the original creditor

regardless to if the debt has been sold to a no powers debt collectionicon agency

It is saying to give all the addresses that I have lived at since taking out the loan. Not sure how to get around this. Can I give them a relatives address for them to send the SAR Info back to me?

One point though.

I have only been communicating with Welcome via email and they do not have my current address.

Requesting a SAR via email is fine but I doubt if they would wish to email back with a ton of data and therefore it would probably have to be sent via post.

As this debt is 14 years old and bearing in mind they say the account is active with Cabot is there any danger they might try to come after me for the debt?

Thank you

Doing so as we speak.

Once more thanks for the welcome advice

Thank you again

I havent sent them a SAR as yet and yes there were 4 chain refinancing loans

Thanks for your reply The date of the loan is July 2004 - It was with direct contact with WF which in hindsight was probably the wrong thing to do

In 2004 I defaulted on a loan with Welcome Finance after I became disabled.

they sold the £2635 debt to Cabot.

I had other loans previous to this with Welcome and these were paid off or transferred to their next loan.

I recently applied to them with a PPI claim to which they agreed to pay back one of the loans but as for the one they sold to Cabot they said they had been in touch with Cabot and the account was still live and therefore they would buy back the debt and apply the PPI to the outstanding balance.

I have never been in touch with Welcome or Cabot since 2004 and I believe it would be statute barred in any case.

Of course the one PPI they plan to pay back is the lesser amount one and the larger PPI amount is for the one they sold on.

Not convinced that Welcome have been in touch with Cabot nor am I convinced the account with Cabot would still be open but I am no expert so I may be wrong. To be honest I do not trust anything that Welcome Finance tell me.

Any advice would be most welcome ( pardon the pun)

Be aware that some domestic insurance policies exclude commuting to work. Hire and reward exclusion is also quite common on most policies, and this would generally prevent anyone using their car for business use unless specifically stated.

 

Always read the small print, and if in doubt, get written conformation from the insurers.

Ok will do I will pass this on to my daughter thank you for your valuable input

Because she is travelling to other places and not one permanent place of employment.

Its pretty standard.

 

I have to have business insurance as sometimes my place of work Is not always the main building.

It cost me £15 extra per year.

Just explain to insurance company that its for commuting to clients addresses.

Ok thank you, I will pass this info on to my daughter. Thanks for the help

My daughter is NOT self-employed but works for a company that requires her to meet clients within the region she works in.

Her contract does not state that she had to have a car but she has been told that she must use her car to go meet clients. Fair enough.

When she went to claim her fuel expenses they refused because they said she needs business insurance on her vehicle and once she produces a certificate to prove this they will then pay for the fuels at 45p per mile. W

Why should she have to pay for business insurance, it is not her business.

She has said she would be happy to get it insured for business and then claim it back from the company but they say they wont pay it.

She likes the job and does not want to leave but as I say this was not written in her contract. Others within the company have forked out for business insurance just to get peace but my daughter is taking a stand on this.

Where does she stand legally?

Any help or advice is much appreciated.

Thanks for the reply. Letter number 3 from DCA saying they are passing back to Highview recommending court action! Not acknowledged any letters or entered into any debate. Just a bit worried now

The DCA can recommend all they like it wont make any difference. Do not go worrying about it. You parked it in the same place as I did and as I said, it is in Scotland so they have no chance of winning and they know it. They are just hoping that people will bottle it due to all their threats. Just stand firm. Personally, they could go stuff themselves for all I care

Hi trickyricky,

 

I'm hoping you're still around. Can I ask what happened with this please? Did you get passed to a debt collection agency and then threatened with court action? Did you continue to ignore? Was court action taken? Enquiring due to similar issue, same car park. Any info/advice you could offer would be appreciated.

 

Thank you.

Hello

I haven't heard from them since January this year.

I never ever contacted them,

did not respond to any of their letters at all.

They sent the usual threats which is par for the course

Eventually it did go to a DCA and I got one letter from them saying they were acting on their behalf.

I ignored that as well. Never heard from them since.

In Scotland they would have to prove you were the driver of the vehicle.

By the way, the freedom of information act they use does not apply in Scotland either so if the DVLA give out your details you should complain to them.

I sent a complaint but have never heard back from them.

Silence tells me they know they are in the wrong.

I cannot tell you what to do as this is something you must decide for yourself,

but I as I have said I have NEVER acknowledged one letter that they sent and I never will.

It is not to say they wont try again but they would be wasting their time on me that's for sure.

Hope this helps

Hi ericsbrother, I apologise for the slow response to your reply this was due to technical issues with my server. Anyway, thank you very much for your wise knowledge of the situation and it is most appreciated. I will be totally ignoring those extortionists. I have already sent a complaint to DVLA but I guess it will be the usual template response but I am happy to take them to task for as long as it takes as I do not see why they should get away with it. Cheers again and keep up the great work.

I think you will be OK there as I am sure it is a pay and display and I do not think that car park has cameras

If it is the same car park that my friend parked in next to the flooring shop and Marinas chip shop and you were more than 30 mins you probably see a PCN within a week or so

Thanks Silverfox1961 I will certainly be sending a letter to DVLA with a complaint. If court papers do arrive which I doubt if they will I will get back in touch. I appreciate your help

thanks again

I received a PNC from HighView Parking for an overrun of 2 hours at a retail car park in Livingston Scotland.

In this particular case I was definitely not the driver and that is absolutely genuine.

I obviously know who the driver is but not about to divulge this information to them.

The alleged incident happened on Oct 30th 2016,

their PNC is dated 7th November 2016

and I received the PNC via second class post today 16th Nov 2016 some 17 days later.

I thought they only had 14 days for to send this out, but I could be wrong.

Who on earth posts out time sensitive data via 2nd class post, especially at this time of the year?

I was wondering where I stand on all of this as they cannot quote PoFA to me as it does not apply in Scotland, or am I wrong about that?

I also notice that they state on the reverse that - quote

"Where our clients property is located either in England or Wales should your appeal be rejected, we will provide you with full details of how to appeal your notice through POPLA......etc,etc.

what happens when their clients property is in Scotland then?

One thing I do know is that there is no way they are getting the name of the driver without them coughing up an admin fee for the data. Lets face it, I would be charged if I were to ask for data from any company so as far as I am concerned that works both ways.

Any help appreciated.

Interesting article appeared on BBC news website in the Scotland section with regards to parking. Just wondering if instead of reaching a settlement and had actually gone through with the court hearing would the outcome have been different.

http://www.bbc.com/news/uk-scotland-glasgow-west-35772704

Hey thank you so much just what I was after

Cheers

Cannot seen to find a template for outgoings and income to produce a financial statement in excel. I may have been looking in the wrong area but if someone has one or can point me to one it would be appreciated

thanks

My husband and I have agreed an amicable split (yes I know its rare..lol)

however a few things are needing ironed out.

I personally have unsecured loans exceeding £10k and we also have a joint mortgage.

My husband is going to re-mortgage the house to buy me out although this will not be a lot as we only bought the home 18 months ago.

Please be aware we are not having any arguments about money and we are being adult about things.

The loans personally belong to me and are my responsibility,

however I have to admit I would struggle to pay these therefore I was thinking along the lines of a trust deed to get that burden of my back.

I am fully aware it affect my credit rating and will be on my credit file for 6 years but I am prepared for that.

My only concern is that with the mortgage been joint owned they may come after the home.

Would it be advisable for my husband to re-mortgage first before I go for the trust deed or should I just go for it now?

Any advice gratefully received.

Hi all

Out of the blue Cap One cancelled the alleged outstanding debt, no reason given. Thanks for everything guys

Hi, BR in your case would be pointless and costly so it is I think very unlikely that any such action will be taken.

 

 

Personally I would inform Ms de Tute Lowells Director of Legal and Compliance

of your circumstances along the lines of:

 

 

Dear Ms de Tute,

 

 

Ref: use theirs.

 

 

I refer to recent correspondence from Lowell reading an alleged debt for £ xxxx. xx allegedly arising from an account with Capital One Bank. I do not acknowledge any such debt.

 

 

For information and the avoidance of misunderstanding please note the following.

I am a 60 year old person disabled and will never return to work.

I do not own any property and have no realisable assets.

My income is from benefits only.

 

I do not have the means to satisfy the alleged debt and this situation will not change.

 

 

I suggest that Lowell takes a "commercial" view on the alleged debt and closes the file as any action Lowell make take will not achieve the result I seeks.

Thank you for that encouragement I will draft a letter and get it off on Monday.