Hi all, please move this if it's in the wrong place. Need some advice on this one. To cut a long story short: Jan 2012 - HP DV6 purchased Feb 2012 - fan fails Nov 2012 - screen develops a flickering issue (cable) Jan 2013 - plastics damage caused by the repairs (chip/cracking) Mar 2013 - fan develops rattling problem - debris, possibly plastics broken off during repairs for the plastics It's really testing my patience now. Apparently I should have been offered an exchange when the fan failed in Feb 2012, but they said nothing about it. I had to send it in for repair, which was quite annoying considering it was a month after purchase. This is where it gets weird - the damage caused by the repairs after Nov 2012 don't count as a fault, and it's not covered by HP as a result (in terms of replacement or exchange). The only thing they can supposedly do is repair the laptop again, and to be frank I don't trust them not to screw it up even more. I can't escalate the case higher, apparently the customer relations department is the highest I can go. So I put it to you - where do I go from here? I've drafted the following letter and I'm going to send it to HP's UK registered office (some people on another forum helped me with it). Any suggestions? Dear Mr ---, I am writing about my HP dv6-6b08sa (S/N: ---) which was purchased directly from HP on the 9th January 2012. Around one month after purchase, the fan in my laptop failed (repair case ID: ---). On the 7th February 2012, I contacted HP via email and received a reply from a support agent. They stated that a replacement unit of equal specification from HP would not be possible, and that the laptop would have to be repaired despite my insistence that the laptop be replaced. This defect was repaired by HP and I received the laptop back on the 28th February 2012. In November 2012, my laptop had an issue where the screen would flicker pink when the angle was adjusted (repair case ID: ---). Again, I insisted on a replacement unit as a second major defect in less than a year had occurred and I was told this would not be possible. This defect was repaired by HP and I received the laptop back on the 31st December 2012. On immediate receipt of the laptop, I noticed two cracks in the plastics of the laptop on the right hand side hinge that was not present before the repair (repair case ID: ---). This damage occurred during the repair of the screen. I lodged a complaint with HP, and the laptop was taken for repair on 19th February 2013 and delivered on 28th February 2013. Despite this, another defect has occurred as of last week where a plastic part, most likely broken off during a previous repair, has caught in the fan and causes a rattling noise when the unit is moved whilst powered on. As per previous occasions, I have strongly argued for a replacement of the laptop due to continuing hardware issues and like previous occasions, was rebutted by the complaints department as it was not HP policy to do so. It is interesting to note that the support team told me that the last two issues did not count as ‘defect or fault’ per se, but rather as ‘human error’. This strikes me that HP was trying to wrangle out of any other action than a repair. In addition, I was told nearly a year later that in February 2012 I was entitled to an exchange but this was not brought up. In this case, I feel that HP has deceived me. I have therefore come to the conclusion that this product is inherently faulty and that your repairs fall below an acceptable standard. In addition to this I have not had any significant period of use of this product in the way it is designed. As a result, I demand a brand new replacement of equivalent capabilities or a full refund according to section 48B of the Sale of Goods Act. Failure to comply within a reasonable period of 30 days will result in a claim being filed at the small claims court so that I may seek remedy to this unreasonable situation. Any additional costs I incur due to this process I will also seek remedy for, and as allowed by the court. I look forward to hearing from you. Yours faithfully, scrlk

Hey everyone this is annoying me now. I took all the remainder of my belongings with me in the middle of March after my parents had sold the house, the man who bought the house lives in Norway usually and is never at the house so obviously doesn't check the mail. On the sunday driving home from here back to Uni I am almost certain I got caught by a mobile phone. I was doing about 37 ish when I spotted it in a 30. It was parked just before a 40 zone, very cheeky and it was about 300 FT away so god knows where it was even aiming. But anyways, I sent off my license and registration on the wednesday after this as it was the first available option. My dilemma and worry is, if I did get sent something regarding that and it was sent to my old address (literally as my mail was on to the DVLA) can I be fined for the £1000 and not answering in 21 days? I have literally not been able to check the mail at this old house as the man is still in Norway. I believe he is returning shortly and I may get some mail then but it will be too late? I am frantically panicking about this as i'm in uni and I don't really hve £1000 or the ability to pay off 6 points worth of insurance. Also I only got my license back last week which was nearly a month after I sent it away

Hi, I am the user formerly known as BigGreenForest. I havent logged in in ahwile due to health issues while I've beein in and out of hospital a lot, or just too ill to do things. In that time I've managed to forget both my email and CAG passwords. Hotmail have now blocked access to my email due to too many failed password atempts, so I'm forced to start anew. Anyway, I'm in a mess. Regarding my ongoing battle with the Council accusing me of benefit fraud, that finally osrted out. They gave up after 15 months of effort, and my solicitor gathered some evidence that thier manner of what they were doignwas unethical and malitious, that he would have used in court. I'm releived it's all over, but it cost me thousands in solicitors fees. I am in a bad rut in so mnay ways. Before all this happened, and I was working (then got fired when I got ill), I swore I'd never go near benefits again. But then things changed after I lost my job, got ill, and couldn;t find anything else. Despite my health issues (I have ongoing mentail health issues with panic attacks, anxiety, major depression, plus a lot of physical pain, and newer issues such as dizzyness, disorientation and concentration problems since an operation last year) I have been trying to find some kind of part time work. I have not been claiming any benefits so far, and have been living on help from my grandmother, and what savings I have left. But things are starting to run out, and I have a big grey area. When I was working I put some compensation money I recieved into what the bank caleld a Tracker bond. At the time I was unde rthe impression I would be working full time for a loing time, so it made sense to put it into this, where the interest was good, but the catch was that I wasn;t allowed to access the money in the Bond until Mearch 2014. At the time it seemed like a worthwhile sacrifice for the interest, under the impression O would have wages to manage on. in my current situation, with no work, and no benefits, my remaining money has been dwindling at a much bigger than expted rate due to things like a lot of prescription charges and rpair work to my home, which is an ongoing issue. I am due to have to spend something in the region of £2500 on more urgent repairs to the house, I have an £800 council tax bill this year, plus the usual bills, and I am already £450 behind on my energy bill, which I am paying in installments. Quite simply put, I will run out of savings long before I can access the money that's locked in the Bond until next year. What are my situation here? How does inaccessible money count with regards to benefits? I will have a 'dead zone' with no money. Can I resort to council tax benefit and JSA when i run out of money I can gain access to, or will they (as I think), say that I have the money in the Bond, and deny me any benefits as a result? This is an issue I never expected. None of it, the unemployment, the health issues, the problems with the council fraud people, this weird savings grey area. Does anybody know what I can do? Thanks

I sent off my CCA request with no reply within the prescribed 12 + 2 working days. I allowed an extra three working days 'just in case' and then sent the follow up reminder/unenforcability letter. Today received a communication saying the client was dispatching the details today to me. Im I correct in the assumption that the alleged debt remains unenforcable until such time as I have received the communication from them and had a chance to review what has been sent. They have also stated that their client requires a monthly payment regardles, even while this process is in motion. I need to get this absolutely right as I have no wish to open up precedents which can be exploited by dubious organisations in the future. Thanks one and all in advance for your input

Hi, Hope I have posted this in the right place. I have been receiving ESA for a while now. I have had my ATOS assessment but I still have not heard a decision. However, I now have new information they need to know to support my decision, which is very important as it means I am no longer allowed to take my medication. I have rang several numbers and been sent round and round in circles. ATOS told me there is nothing I can do now until I receive their decision, but I don't want to have to wait for that, then appeal (which I will probably have to) and wait again, as we really are struggling money wise and I am unable to eat properly, so that extra bit of money added to my ESA would make all the difference. I can't find a telephone number or even an address to contact the DWP about my situation, does anyone have this information that they can share with me please? I can't believe how difficult things are.

Hi I just thought I'd introduce myself first as I'm new here. I bought a used car from Evans Halshaw a couple of weeks back and boy is it giving me problems:oops: To start off with the clutch is on it's way out so Evan's Halshaw have offered to fit in a new clutch. Secondly, each time I push the clutch in to change gears, for some reason the revs go up :S Thirdly, one half the dashboard lights don't work at night which I think is a simple fix as a bulb/wire maybe loose. Also, the car is very rough at idle which my local mechanics said is due to the engine box (or whatever it's called, it's the area where you put your oil top ups into ) not having washers on so the engine keeps rattling as it's not being held still. Another problem is the 1st gear is veryy stiff sometimes and doesn't seem to want to go in, all the other gears seem fine. Then another problem I just identified was the extremely low mpg for a small Toyota Corolla, it's only averaging 17-18mpg on the trip meter :/ The car's going in for repair next week but I doubt Evans Halshaw will be able to solve all of them problems so I was just wondering where I stand since I've owned the car for less than 30 days? I've been told there was some 30 day law in which I can give the keys back to any car I've purchased and demand a full refund?

Hi people Forgive me if i have posted this in the wrong place i am new to this site. i have a esa question that i need help with i have put all the info below i hope it makes sense. basically i went for an atos medical and failed i got 0 points the nurse lied on most of the report sent to the decision maker anyway i asked for a reconsideration but the decision maker who all so happens to be a doctor sided with her original decision not to adward me it saying the nurse never lied etc etc i appealed to the independant tribunal and won i got 15 points i was placed into the WRAG the judge stated i was not to be reassessed within 18 months. So after waiting 5 weeks they phoned me and said they were putting £440.96 into my account for backdated arrears which was fine etc i was told my normal fortnightly payments would start but this would take 1 week for them to open my esa claim again but after waiting i phoned them up again only to be told that i had no esa claim running and that i would need to make a new claim for esa again meaning i would have to go all this hassle again so after phoning the new claims i explained to the advisor that i was told to call this number and make an new claim however she told me that this is not the case she told me to phone the BDC and ask them to reopen my existing esa claim and ask them to pay what iam due so i did this only to be told that i may need to fill in another medical form so they can see if my illnesses are the same or not after he said this he said someone will phone my on monday i asked when will my payments start again he said monday. i am worried in case i need to go through all this hassle again i dont have the fight left in me anymore will i get my fortnightly payments i dont know how this has happened as its only been 6 weeks in total since i won the tribunal and even at that the judge said i was not to be reassessed for 18 months so i dont understand. please if anyone can help then i would be grateful for any advice i hope i have made sense thanks

Hi, this is in relation to the use of IBC in the UK. In the UK does an IBC have to display the IBC part in its name. I've searched the internet and cannot seem to get past the adverts for companies that set up IBCs. So if you had Joe Bloggs Limited that was an IBC registered in the Seychelles, in the UK, on applications forms,letterheads etc, does it have to display the IBC bit. Also if it puts its registered address as being in the UK, does this have to be registered at Companies House. thanks

http://newsletter.citizensadvice.org.uk/display.php?M=27695&C=1e627837b9823e9d5f702f61519a3df7&S=608&L=52&N=347

Hi I need some help and advice I have been working for my current employer for a year and a week. I am leading a team of 2 others on a difficult project with impossible deadlines. The project has approximately 10 people working on it full time. I have been ear marked as a bit of a trouble maker a few months ago, but throttled back more recently as I was genuinely concerned that more disruption from me would lead to me being fired.. Basically I was saying I am not happy the project would not be delivered to a high quality for sale and that there are issues every step of the way. This has caused alot of conflict and people had become increasingly unwilling to listen to me. I was going to leave when 2 others left just before Christmas due to unreasonable colleagues and huge amounts of stress, I didnt leave though I tried to maintain a strong front and persist with doing what I could. Very recently, perhaps 2 weeks ago, a new chief engineer has been recruited to save the project, we had two meetings, one on his first day, where he seemed bored and uninterested in what me and my mini team were doing. The second meeting had two other members present and I was directly asked how long, in my opinion, it would take to get this ready, I guessed 3 months and at that point he ended the meeting (it should have been ready two weeks ago). A day later, yesterday infact, I received an invite to a disciplinary hearing for Monday lunchtime, where I strongly suspect I will be dismissed. Two people have already been fired this month! I have spent today examining every email I have ever sent (minutes of meetings throughout the period were never published, except once, when I did it myself). I have, what I consider reasonable evidence to refute the claim made that 'I covered up the truth on project status until it was too late to do anything about it' These emails published to the bosses have me saying things like 'I am worried that this is not all going to work in the allotted time' etc Basically I am distraught, shocked and worried. I can no longer work for the company as I feel betrayed and wrongly accussed (I also reported bullying to HR a few months ago, basically brought on by me saying I couldnt complete the project to a production ready standard) I also asked for help many times, and had nothing, only 3 weeks ago did somebody join my team, despite requesting this resource in April, of which I have proof of the request. What do I do on Monday? I dont want to work there at all, I dont want a bad reference and I dont want to lose income whilst I search for a new job. Thanks in advance

Hi All I went to the dentist , received treatment , I attempted to pay the fee for treatment by cash I was told the dentist only accepted payment by debit card, I didn't have my card with me. Anyway I said I would call them and make payment by phone which I duly forgot about. I received a couple of letters but thought I'll just pay them next time I go. Today I received a letter from P&J collection services saying I had an outstanding balance of £32.50 the original amount owing was £17.50 , which means they have added on a fee of about 80% . I realise its a small amount but I think this fee is unfair. I queried it with them and they said it was a fee added on for late payment. I looked at some of the other websites that deal with debts for professional people and they say they add the fee on for the client under late payment of commercial debts act 1998. Is this permitted and is the amount right. I couldn't understand the BOE rate + 8% mentioned

I have 3 outstanding debts on which I can only pay about £5 per month each - due to being made redundant and no success finding another job yet. Debts are with Barclaycard, Nationwide and MBNA. I agreed with these people a minimum payment. But then I started getting letters from DCAs - I had to stop payments for several months due to circumstances. I have received letters from 3 more different DCAs. Should I write to them stating I can only afford £5 a month until my financial circumstances change? Or should I ignore them? I've read on different forums that I have no contract with these DCAs. I would really appreciate some help on what letter I should send to them.

Hi, I am looking for some advice regarding a disbute between myself and a custormer. Twelve months ago, a customer asked me to purchase some materials in Spain for his property in France, as the materials were cheaper here for his project, (had worked for this client for the past two years with no problems). Customer transfered the money into my company account and I bought the materials. As the customer was not ready for the materials, the materials were held at the local whare house, with customer to arrange for delivery to France, (I said I would help to find transport as well). Six months later, the customer tried to blackmail me by saying if I didnt deliver the material, I would lose the job, so I refused and advised customer to find alternitive contractor. Over the last two months the customer has threatened to send someone to Spain to break my legs and send druggie to my daughters school. last night my wife and I received a "whatsapp" mesasage from a Mr Switch, claiming to have bought the debt for £5500, (which is higher than the cost of the materials) and his fees currently standing at £825 and today we have had another "whatsapp", saying we have twelve hours to contact him and set up a payment plan with him or he will get on a plane and come to our house. my feels threatened and concerned for our daughter and she does not want this person come to our house, I dont wont him confronting me in front of my customers?, I feel that this is wrong and not legal and we should not worry as we have done nothing wrong? . We have no other details other than his name and mobile number, he does not give a company name. The customer has our address and e-mail, so I believe, this guy must just be threatening us or surely he would do things proffessionally and either contact us be e-mail or letter. Thanks in advance for any help received. Kind Regards.

Hiya all. The company I work for has a sickness policy which means that if you are off for 3 short periods (2 days or less) or 2 long periods (3 days or more) within 6 months then you receive a verbal warning. This is the only information provided in the employee handbook and on the employee website for HR queries. Okay, my problem is that I was off for 3 weeks (signed off by the G.P.) in August and again for 2 days on the 7th and 8th of January. Obviously these two periods are within 6 months of each other but one is a short period of absence (2 days) and the other a long period (3 days +). I was told by my manager today that I would have to attend a meeting with her a week Friday where I would be given a verbal warning for my absences as there were these two periods in 6 months and the first one was a long one. Is this right? No documentation that I have ever seen states what happens if there is 1 short and 1 long absence in 6 months so are they allowed to do this? Thanks for any help (hope it all made sense)

Hello, didlt know what section to put this in but need your help please. I currently have around 6 catologes (silly i know, but was new to the whole idea so ordered christmas presents etc) Anyway i have untill september to pay them off but i dont think i will manage i owe around £2400 in total i used the buy not pay back in 12 months... I guess what i want to know is, what will happen on failure to pay back ?? Do i need to worry about it? as its really making me depressed. Thanks

Hi everyone. I'm due to start work with a new employer shortly, and to put it mildly, they're ringing some alarm bells with me. Firstly, they're a relatively new start up company, which never fills me with confidence, but briefly: 1. At interview I was told that the achievable bonus is £500 pcm (I never believed this to start off with, so no harm no foul there). In my written offer of employment, this had dropped to £250pcm, with much more foggy instructions on how it's to be achieved. In my contract of employment, it's now turned into "As detailed by the company, from time to time". 2. There is a LOT of "hours of work to be from Xam to Xpm, but whatever is required to 'get the job done'" going on in the contract, but no mention of overtime or time in lieu whatsoever. There's also this paragraph, and these two issues combined are making my spidey senses tingle: The position is salaried, but I've worked out that I could do roughly 45 hours before I dropped below minimum wage, which works out at about an hour a day extra. What is hinted at on the contract is that more (possibly at lot more) than this will likely be required, and quite possibly weekend working too, which is something definitely not mentioned up until now. Unfortunately, I was given this application by a JCP adviser so I can't turn it down. I can't decide whether I should just shut up, start work and look for another job A.S.A.P or email them tomorrow asking directly about TIL/overtime/bonus arrangements and risk hacking them off before I've even started.

i am a senior project manager for a construction company. I was called into the directors office on wednesaday 12th Dec and advised MY JOB was at risk. i was informed that they would help me with alternative employment both within the group and externally, but not to "hold my breath" re alternative work with the company. however, two days earlier I had been asked by another branch for a reference on an old colleague (from another comapany) for the position of project manager. I subsequently received a letter on 13th confirming discussions that my job was at risk and that the selection process had been completed (i was not advised in the brief meeting that the selection process had been completed) and i am to attend a consultation meeting on 17th Dec'12. I have been employed with the company 19th months. On the 13th dec'12, my line manager advised my site team and client i had been made redundant and confiscated my company laptop, which I accidentally left on site and a colleague was going to bring to me. Question; Are the company obliged to tell me who and how many of my colleagues were in the pool for selection and should this selection process have been made known to the individuals in the pool as opposed to being carried out apparently behind closed doors? Is there a minimum consultation period and should i fail to attend the meeting due to illness (i am worried sick) what will happen?

hi, just after some advise for a family member who has been suspended from work. she received a letter last week informing her of her suspension from work on full pay,she works in a care home btw. she went for an informal interview regarding the allegations on thursday of last week, the following allegations were that she did not use the correct lifting equipment when necessary,taking a sneaky fag break,saying no,stop it and don't do that when being attacked and punched by male elderly residents in the breasts. dragging residents,not working as a team,and how she talks to the residents. she has worked there for about 7 years and is very upset regarding these allegations having never received any verbal warnings or anything like that from work. any help or advice would be very welcome

Hello everyone, i am a newb here so please assist me if this post is in the wrong place? I genuinely do not mean for it to be :/ Anyway long story short...... Around 4 years ago my wife took out a loan through the dreaded welcome finace company. Shortly after i (her husband) was made redundant and since then we have hardly paid any monies to Welcome. The loan was for £3000.00 and was "unsecured" which we used to clear £2000.00 of mortgage arrears from when i was out of work. We had honestly tried all avenues to maintain at least some sort of payments but subsequently fell way behind to the point we just didn't have any money to offer them. recently (last 4-5 months) we have been getting letters from Lowell Portfolio and the most recent one today 31/10/2012 stated they had done a credit check on my wife to find we were homeowners, and that they would take us to court for a charging order on the house for the outstanding amount £5300.00. They have said they will start proceedings to make my wife bankrupt and i/we are terrified of this as we have 3 school children at home. Our mortgage is in arrears of £6000.00 but we are in a payment plan with them and they are happy with the arrangement at the moment. We reduced our mortgage to interest only of which the monthly figure is £315 but we agreed to pay £450 pm. I don't know what will happen with our home as it's all we have kmown (been in) for 16 years. The current market value of our property is approximately £75000.00 and yet our mortgage still owed is £88200.00 Can anyone shed some light onto what will/may happen as we are absolutely terrified. I emailed Lowells to explain our situation that there is myself out of work my wife on minimum wage and 3 children at home and we are truly on the breadline :/ I am totally sick to the stomach with worry. Thanks in advance people

My Brother was off work with stress and got into areas with his car payments with seat. they sent his account to Credit Style Limited who sent out one of there So called advisor's and he arranged a meeting with then against what i believed was the wrong move. the person who came to see him who he says was very nice (she would be she wants money) told him that he had no option but to Vouunatry surrender his vehicle but he has paid over 1/2 the original loan so should have looked at the Half payment if he was returning the car. He was basically forced in to taking this option as he was told there was no option either pay the arrears as well as his contracted monthly payments or Voulantary surrender. and they would not consider a payment plan that was more than 6 months as they said seat would t except it they never asked them he as signed the form they gave him but the car has not been collected as i have told him not to hand it over until i looked at other options. They have been harassing him with phone calls and text messages at work some text messages have been very derogatory for example one was it isn't rocket science to answer the phone. please can some one advise if it is possible to get out of this and look at 1/2 payment if he still wants to return the car or is it too late we have only just got him well and back to work following him having to leave his previous job due to been off work with stress and i am scared that all this could result in him becoming ill again thanks for your help

http://www.independent.co.uk/money/loans-credit/victory-for-campaigners-as-ripoff-lenders-face-instant-closure-8223242.html One hope that the Office of Fair Trading will show a robust approach to the illegal business practices shown by certain payday lenders. I am sure that many CAGgers will have a great deal of information to send to the OFT in Spring.

Ok in the next few months i am looking at renting a house but i have a question i am still in contract with Virgin Media and will be for the next 18 months as i have renewed my XL TV and TiVo services due to returning to work full time. Virgin will obviously not let me disconnect my services if a landlord won't let me have them installed. So my question is for people who have experienced this what is the outcome are they fussy with such things as there is abit of drilling involved on the outside or do a majority of them allow you too.

Hi This is my first post & I'm looking for some advice regarding a levy on a vehicle. I have outstanding council tax from 2008 - 2009 of around £1500 that has been passed to Bristow & Sutor. I have tried to come to a payment arrangement on numerous occasions but can't afford anywhere near what they want me to pay & since they won't accept an amount I can afford, has remained unpaid. In August 2011 a levy was made on a car that I am the registered keeper but my partner legally owns. I informed bailiffs that this was not owned by me, my partner provided a statutory dec to both council & bailiffs stating that the car belonged to her, which they said wasn't enough proof. Bailiffs turned up again in Oct 2011 & added a van/abortive removal fee to the account even though they didn't turn up in a van. I wrote to the council to complain about this & in their reply they stated that they had spoken to Bristow & Sutor & they had said that a transit van had been sent & included the registration of a van. Now I know for certain that this never happened as I was in at the time of this visit but chose not to open door & saw him leave in a car. The bailiffs have never gained entry to my property to levy on any other goods other than my partners car so can't see how they could remove that even if they had come in a transit. When I questioned the council about this they stated in a reply that "the fee is incurred for 2 bailiffs to visit with a view of removing goods, it's not based on the type of vehicle used". Surely that can't be right since they knew the only levy was on my partners car so why turn up in anything other than a vehicle transporter? and then charge ridiculous figures for it. Anyhow after this happened we sent in a copy of receipt for car made out in her name and copy of her bank statement showing money being taken from her account on day of purchase but heard nothing back so sent in again. Didn't hear anything back or have any visits from bailiffs until April this year when they posted form stating removal team attended to remove goods & would be back, which I ignored. Turned up again yesterday whilst I was out & told partner that if I didn't pay off in full he would be back to remove car & if car not there then he would force entry to remove goods. Now I know he can't force entry as they have never gained entry before but what else can I do about the car? The car was only put in my name for insurance purposes & think I've more than proved its not mine, insurance comes out of partners account every month road tax was purchased online from her account & can show them this if need be but how much proof do they need? I thought a stat dec would have been enough in first place. Does the levy still stand on the car as it was made over 12 months ago? No payment arrangement has been made & I've never signed anything, they've had plenty of time to remove & even charged a fee for it, is this now classed as a abandoned levy? any help will be appreciated Thanks Jon

Hi, I'm new to these forums and wonder if anyone has a little advice regarding an injury my OH had a few days ago. My apologies if it's a bit of a long post.. My OH is a line supervisor/machine maintenance engineer in a factory with roughly 300 employees. On Monday he was assembling some machinery and was fixing on a big awkward part when he felt his back spasm. He thought little of it initially as it's not uncommon with the heavy stuff he has to pick up every day to feel a twinge now and then. Over the last couple of hours of his shift he was in some pain but carried on working thinking he'd just shake it off. He discussed it and how it happened with several other workmates including the shift manager. They saw that he was in obvious pain and said so. My OH didn't put it in the accident book at the time thinking that it was a minor twinge that a good nights sleep would fix, it didn't. He woke op on Tuesday with a lot more pain and felt he couldn't do the heavy lifting his job requires so he phoned in sick, telling them it was because of the incident the day before. It was no better on Wednesday and he phoned again, this time asking if he was going to get paid bacause his firm usually do pay for any days off resulting from a workplace injury. The HR bloke said that it had not been put in the accident book and my OH hadn't told anyone about it (despite the fact that my OH actually did tell others). He then refused to pay for any days off caused by it because there was no proof it happened at work. In 14 years at this place my OH has earned a massive amount of respect for his work from his workmates and management alike but all of a sudden because he omitted to stick it in the accident book the very moment he felt a twinge, he's practically accused of being a liar. So I guess my first question is, does an accident have to go into the accident book immediately an incident occurs even if you are not sure at the time if it should be classed as an accident. My second question is, can my OH do anything to rectify the situation or is it now to late to put it in the accident book. His place don't exactly pay well and that's the rent money gone if he can't do anything. My OH is beating himself up about not putting in the accident book.

Thanks for reading. After reviewing a recent copy of my credit report I realised that Halifax defaulted me on an old current account back in Nov 2010. I did not receive a default notice and was paying £15.00 per month as agreed by letter from them (a copy of which I have) stating that a £15.00 a month would be acceptable for 12 months dated 10th April 2010. I received no further mail from them and continued to pay £15.00 a month until March of this year where I paid the remaining £105 to pay it off. Accept I was some 12 months over their review date but they defaulted me within our formal agreement arrangement. I want to write to Halifax - any idea of best person/department to write to? Ultimately I'd like this default removed - what are the chances of this do you think? Many thanks.