Hi Chris.G I would check your agreement with the finance company - I would have thought this will clearly state the type of agreement you have. I had a fixed car loan, however the loan was secured against the car and so I couldn't sell it on. I think the agreement would be the first place to start. ...

Hi
Can anyone tell me - are creditors open to offers of full and final settlements of debts owing without going down the IVA route? If so, is this legally binding or can they come after you later on down the line for the balance assuming they agree to a discounted settlement figure?
Sharon

Guys
Thanks for the advice. Hubby is looking at remortgaging on a flat he owns to raise monies to pay off my creditors. He is self employed, but we do the accounts as it is a small company and quite straightforward. We had heard of self-cert but didn't really know that much.
Sharon

I agree, you just can't help logging on - I access the site several times in the day especially when having a bad day - it gives me encouragement to carry on ! Mike - have posted about self-cert mortgages but posts seem to have "disappeard" could you give me a brief overview ? What do lenders want t...

Hi Julian
Welcome to the Forum. You have been busy - 20 posts in one day !! Not a fee earning day for you then !!
Sharon

It does depend on the job you have and also what is in your Contract of Employment. From what I have read though it does seem the majority of jobs are relatively unaffected. with regards to your employer knowing - unless they read the Insolvency register and search for oyur specifically, I don't thi...

I CANNOT believe this. How your company can let this go on for a number of months. Are you off work at the moment ? If so, I really would go and see a solicitor about this - many employment specialists offer free initial consultations. What was the response from your HR department when you had a mee...

Hi Seriously Worried Sorry to hear of your situation. Right - I'm on my soapbox ! There is legislation protecting you from this type of behaviour. The first thing to do would be to raise a formal grievance with your line manager regarding the nature of the behaviour. There is a statutory process the...

Hi Andy Glad to be of any assistance. People on this forum have enough to worry about without the hassle of employment related problems. I have been on both sides of the same coin with good and bad employment experiences and if that helps I'm happy to do my bit. Gordon - it always makes me laugh how...

Hi Gordon Great news on the job and the money. Although my HR head comes on here - what have they found to deduct? Are they lawful deductions ? Bad news for the car though. Won't you get reimbusred for the "temporary" uniform ? Just a note on on PILN - this is paid when an employer does not require ...

James G Cut up your supplementary card - NOW. I know it would be "very handy" to have a credit card once your IVA has gone through, but don't you see the point? Credit and poor credit management is what got you here in the first place. You have used yours to the max and if you don't change your spen...

Hi Dots I hate it when employers drag their feet on such important issues. Although I would say it is good that they have come up with a proposal to keep you. With regards to the contract: I am assuming the role they are offering you is a new one - with new job title and duties. I assume this as if ...

Hi Gordon Didn't want to sound like I was trying to say your were wrong - everyone posts what their own opinions are on this forum. It sounds like the info you have been given is "bum". I have read some of your other posts and it does seem like your employers are not the best - to say the least. Hop...

Hi Everyone - so many interesting talents in one thread !! I am in Human Resources and Health and Safety. May be able to help anyone with employment related questions.

Sharon

Hi I am not sure why Dots is saying the first year is not counted. You have to be employed for two years before you can qualify for Statutory Redundancy Payments (capped at £310 per week), but every year counts towards length of service. For example you have been employed for over four years and are...