Hi there CAG Community! So relieved there is hope out there - CAG!! In a nutshell, I have lived in Abu Dhabi, UAE, for many, many years.. I had a credit card and a loan, of those in the know, is a must if you are in need of renting any property as x2 payments up-front are needed..Anyways, long story short, I have always paid my loans/CC's on time, every time. In Dec 2017, I was unfairly dismissed, (part of the emiritization restructuring) and was given 3-hours notice to leave. Contravened Labor Law, thus was unlawful (which didn't make a difference) desperately tried to fight for my End of Service benefits, notice monies etc... which all went down the 'inshallah' road. Time and money ran out, I have had to leave Abu Dhabi as could no longer stay live there with my wife/kids as had no income.. Had to return to the UK in Feb 2018. Thus defaulting on monthly payments. Total debt; in the region of AED123k, approx £22k excluding the ungoverned interest rates Right, to the point; I have received an email from a collections agency couple days ago. The email is as follows: Dear xxxxx, First Abu Dhabi Bank (PJSC), Unique Identification Number xxxxxx We have been instructed by First Abu Dhabi Bank (PJSC) (the merger of First Gulf Bank and National Bank of Abu Dhabi) in the Middle East to deal with a number of liabilities owed by individuals resident here in the UK. All of our work in this respect is regulated by the Financial Conduct Authority in the UK (under FCA licence number 737367). A liability in your name features on a portfolio which we have been instructed to manage. We have been provided with this email address for you, so our intention is for all communications to be directed to this address. That said, we know and are sensitive to the fact that debt is a serious and very worrying issue for many people - so we do not want to increase that burden by communicating with you through inconvenient channels. Accordingly, if you do not want to be contacted via this email address, please let us have an alternative means of communication, within the next 7 days; either a telephone number, another email address or a residential postal address. If you do not take up this opportunity to direct us down a particular communication path (or paths) then we will assume that the continued use of this email address for communication is acceptable to you going forward. Please telephone us on 01494 911099 within the next 7 days. Our operators are here to help you Monday to Friday between 9am and 5.30pm. Please quote the above Unique Identification Number when you call. Please note that there is free debt advice available for anybody in the UK who needs it. This resource is available from the following organisations, amongst others: citizensadvise and moneyadviceservice

Hi i was working for a company in the public sector , one of the things in my defense is the basic fact that they was in breach of contract because .... The manager forced me into taking a break at the end of the duty which i am claiming effected my performance According to ACAS It's extremely important that workers take breaks. Studies have shown that heavy workloads and stress can make workers less productive, increase the risk of mistakes, and affect health. and should have their break at some point during the middle of there shift rather than adding the break to the end or beginning of work. In the CWU agreement contract it states breaks must not be taken at the end of the duty. I have it in writing in the interview notes when i pointed out that i was stressed because i had had no break " we have spoken about this before , U MUST TAKE YOUR BREAK AT THE END." ( which was just to suite manager so he can can close doors early and get away earlier while im on my "break" as im walking home) The company s CWU has a binding agreement which means it is contract ... contract of employment explicitly mentions the inclusion of collective agreements with the cwu.This means that all valid collective agreements are express contractual terms.Breaching those terms is a breach of contract. Its gone straight to FINAL HEARING .. i dont know if that is the final thing skipping any kind of pre hearing or whatever? Anyway would you guys say this is breach of contract or what. sorry if this makes no sense

I have been summarily dismissed someone for gross misconduct, we had an investigation and disciplanory hearings, and I was left with two options, demotion and final written warning, or summarily dissmissal, there were 5 alleged incidents of gross misconduct One I could prove and was admitted, and 4 I have great probable doubt to beleive that hes lying due to supporting statements from other staff. he has worked for us 7 months. Denied everything and tripped his self up numerous times in hearing. Said everyone was lying and it was a conspiracy against him. There has been two previous incidence of insolence on his file, though no action was taking other than mediation. Have I done the right thing?