they certainly can deduct monies from your wages without you signing anything…do you know anyone who signed a declaration to deduct income tax etc 
.
del949:
they certainly can deduct monies from your wages without you signing anything…do you know anyone who signed a declaration to deduct income tax etc
On any interpretation, the employer is not deducting your wages on their own behalf, but on behalf of the tax man. His authority to compel the employer to administer the deduction, and bind the taxpayer into that payment, comes from legislation, not contractual agreement.
The-Snowman:
With all your arguing back and forth about can you/cant you with regards to getting a lift back in a company van or shock horror driving it back yourself, theres one part of the equation none of you have taken into consideration -
Whats the chances of getting caught?
Since the answer is “next to no chance”, grow a pair and get in the van
It’s not even growing a pair is it, it’s just to use a bit of logic and realising that VOSA are not going to hang you for a one off incident where you can argue that your action allowed you to start a rest ASAP, it’s when you’re still doing it after 3 or 4 goes that shows whether you have balls, but sadly no brains…
I was told that if the the customer is “paying by the load and you are underweight then you are committing fraud.”
Christ, every tipper driver with a weighloader employed on muck shifting best get a lawyer. 
del949:
Winseer wrote:
mick.mh2racing wrote:
If by some mistake your employer over pays you then it’s illegal for them to take that money back. It must be true because I heard it in a driver’s waiting room.
I made the mistake of challenging this, your employer is not allowed to make deductions without your consent but if it’s to correct an overpayment then they can.
Apparently his best mate was a top London lawyer and he’d told him so I must have been wrong.They cannot take it out of your bank account without asking your permission to debit, which you might well say “No” to. They CAN of course dock it from your next wages - without asking.
Correct.
not quite correct if I remember rightly. They are not allowed to take so much money from your wage in one lump, so that you are left with no/little money.
Can’t remember what the amount is but they certainly cannot take eg £499 out of a £500 wage.
I was once informed by Citizens Advice that there is a figure of earnings (I think it was £216 back in 2004 when I was speaking to them) which HAS to be left in your bank account each week. This means if your takehome wage is £316 therefore, they can deduct upto £100 from your next pay, which would not be considered to be “impoverishing you”.
I would imagine the “breadline threshold” figure has increased over the 12 years since, and it is this figure they cannot take out money to leave you below that breadline definition.
This is supposed to leave enough money in the account to pay for one’s overheads… Of course, it can’t very well be all things to all men - BUT the interesting thing is that you cannot petition for someone’s bankruptcy and get the court to award you monies out of income below this figure either!
This is why so many people end up being bankrupted, and the court orders them to pay £1 a week for as little as a year - before discharging them.
If you are genuinely skint - let the creditor pay the bankruptcy fee - and then find out you’ve got less than the breadline to live on, and only then do you really get out of paying… 
Never ever pretend you are skint - if you’re not! These people will skin you alive, and now Osbourne has given them the power to steal your pension not due for years - because it’s now OK to “cash it in early”. THAT is why he allowed this - to help his bean counting buddies in the credit recovery business… 
Winseer:
Never ever pretend you are skint - if you’re not! These people will skin you alive, and now Osbourne has given them the power to steal your pension not due for years - because it’s now OK to “cash it in early”. THAT is why he allowed this - to help his bean counting buddies in the credit recovery business…
Could that be enforced? The greater the amount of pension capital you have, the more irreplaceable it will be during your remaining lifetime, and it is designed to meet need in retirement.
Obviously, pension income can be seized (if it represents a surplus above need), but surely not the capital.
I always thought the point of these reforms was to prop up the housing market and enable pensioners to become speculators and rentiers instead. And perhaps allow pensioners to put their children on the housing ladder - killing two political problems amongst Tory voters (low annuity rates and unaffordable housing) with one stone.
If you have 2 separate days off in a week, even though they’re not together you can add them together to make your 45 hour rest
Rjan:
Winseer:
Never ever pretend you are skint - if you’re not! These people will skin you alive, and now Osbourne has given them the power to steal your pension not due for years - because it’s now OK to “cash it in early”. THAT is why he allowed this - to help his bean counting buddies in the credit recovery business…Could that be enforced? The greater the amount of pension capital you have, the more irreplaceable it will be during your remaining lifetime, and it is designed to meet need in retirement.
Obviously, pension income can be seized (if it represents a surplus above need), but surely not the capital.
I always thought the point of these reforms was to prop up the housing market and enable pensioners to become speculators and rentiers instead. And perhaps allow pensioners to put their children on the housing ladder - killing two political problems amongst Tory voters (low annuity rates and unaffordable housing) with one stone.
Osbourne has allowed early access to one’s entire pension pot, which the industry has initially responded to by saying “You can have it - but we’ll make a HUGE deduction from it”, so only an idiot would even consider cashing in a pension early - especially a “good” one.
Now look at it from the Debt Recovery “industry’s” point of view: Because a pension can now be cashed in early, albeit at a fraction of it’s full value - that is now an ASSET that goes into the receivership pot in both Bankrupcty OR “IVA” which also have the power to insist upon seizing it. The capital. NOT the income.
In 2004 I was informed when I was considering bankruptcy myself - that I’d have my endowment policy (on my house) seized (worth 5 figures) and any high-value assets like a “nearly new car”. Now the latter didn’t apply to me, as I’ve always driven old bangers - but I was buggered if I was going to let some credit card firm whip away my house from me on an unsecured debt!
The solution was simple though - all given to me by Citizen’s Advice: Dispose of any remaining assets, default the plastic, offer £30 a month on the basis that they halted the interest (seeing as the default also means that agreement to PAY interest had already ceased!) - and should the creditors refuse, they can petition for bankruptcy at their own expense. They rejected the £30 offer (so ended up getting nothing at all) didn’t petition for my bankruptcy (as that would have cost them around £600 of their money to do) and didn’t even both with a CCJ against me - because that too would have cost them fresh money to do.
If I’d done this with assets still available though - I would have been taken to the cleaners.
Unsecured debts are just that. When you can’t pay, you default them a THAT time - whilst you are still skint. Don’t “string it along for months/years” which then allows the buggers to claim any new job’s wages, inheritances, windfalls, or other acquired assets that you may come into during the years ahead. I’d advise anyone with debt trouble to stick it in the dustbin as soon as possible after realizing they can’t cope.
Now here i am, 12 years on - debt free - and being offered credit left, right, and centre again. I’m a bit once bitten twice shy on that score though, so I can’t say I’m every going to change a habit of a lifetime and start getting personal loans out to buy a car other than an old banger for example… I’ve learned my lesson, but at least it didn’t cost me as much as it could have.
That your load has to be secured in such a way that you should be to turn the truck upside down and not have anything fall off.
Heard this old favourite today!
Winseer:
Now look at it from the Debt Recovery “industry’s” point of view: Because a pension can now be cashed in early, albeit at a fraction of it’s full value - that is now an ASSET that goes into the receivership pot in both Bankrupcty OR “IVA” which also have the power to insist upon seizing it. The capital. NOT the income.
Looking at the matter more closely there was a 2012 case (i.e. prior to recent pension freedoms) where undrawn pension lump sums (not the principal capital) were taken by the bankruptcy trustee - the whole thing was then settled prior to appeal so the appeal wasn’t heard.
The reasoning in that case has now been reversed in a 2014 case (restoring protection for lump sums, again prior to recent freedoms coming into force in Apr 2015 which now expose the whole capital for withdrawal), but the issue is still chugging through the courts on appeal again (but on the opposite basis to the 2012 case).
researchbriefings.files.parliame … N07118.pdf
Unsecured debts are just that. When you can’t pay, you default them a THAT time - whilst you are still skint. Don’t “string it along for months/years” which then allows the buggers to claim any new job’s wages, inheritances, windfalls, or other acquired assets that you may come into during the years ahead. I’d advise anyone with debt trouble to stick it in the dustbin as soon as possible after realizing they can’t cope.
Agreed. You are lent money for a term based on an assessment of your circumstances, and if those change and you cannot repay more or less within the existing term, then you will need to look at some degree of writedown.
Here’s one
The licence declaration and copy of licence, digi card and dqc card every week is a legal requirement.
This from a representative of the management of a large company beginning with D (and ending with HL)
SD
Rjan:
Winseer:
Now look at it from the Debt Recovery “industry’s” point of view: Because a pension can now be cashed in early, albeit at a fraction of it’s full value - that is now an ASSET that goes into the receivership pot in both Bankrupcty OR “IVA” which also have the power to insist upon seizing it. The capital. NOT the income.Looking at the matter more closely there was a 2012 case (i.e. prior to recent pension freedoms) where undrawn pension lump sums (not the principal capital) were taken by the bankruptcy trustee - the whole thing was then settled prior to appeal so the appeal wasn’t heard.
The reasoning in that case has now been reversed in a 2014 case (restoring protection for lump sums, again prior to recent freedoms coming into force in Apr 2015 which now expose the whole capital for withdrawal), but the issue is still chugging through the courts on appeal again (but on the opposite basis to the 2012 case).
researchbriefings.files.parliame … N07118.pdf
Unsecured debts are just that. When you can’t pay, you default them a THAT time - whilst you are still skint. Don’t “string it along for months/years” which then allows the buggers to claim any new job’s wages, inheritances, windfalls, or other acquired assets that you may come into during the years ahead. I’d advise anyone with debt trouble to stick it in the dustbin as soon as possible after realizing they can’t cope.
Agreed. You are lent money for a term based on an assessment of your circumstances, and if those change and you cannot repay more or less within the existing term, then you will need to look at some degree of writedown.
In my case, I went onto short hours for a while. It was taking all my spare income just to pay interest only minimum payments. So I cut my cards up, and offered to carry on paying with no more interest being charged, based on me being unable to pay it, and unwilling under the consumer credit act to pay (interest payments require the consent of the payer!) This was rejected out of hand, and when I offered the £30, this was accepted for an interim period whilst the creditors discussed “what next”, and when they then demanded either payment in full or resumption of interest payments - I stopped paying altogether. My original offer of £30 protected me should a court case later be brought - which never actually happened. So them rejecting my offer actually got me out of 100% of the debt a lot earlier than they otherwise would have released me from it. Hmm. Still it was very much their loss rather than mine, and I’d advise anyone else to resist IVAs, Bankruptcty etc and just offer what they can afford, which when rejected - writes the whole lot off.
It’s illegal to shag the mrs during a 45, the mrs said she wasn’t interested in a 45… though she said a 69 would be ok (and legal).
If you do a printout by mistake you must keep it because it’s a legal document.
I was running a full set of illegal tires the other day because I had no Wheel Nut Indicators 
If you’re on break and someone wants to talk to you about work related stuff then you need to restart your break from the beginning
If you answer the phone to the boss or another employee during your break then you need to reset your break clock
(This one might actually be true so I stand to be corrected)
The-Snowman:
If you’re on break and someone wants to talk to you about work related stuff then you need to restart your break from the beginningIf you answer the phone to the boss or another employee during your break then you need to reset your break clock
(This one might actually be true so I stand to be corrected)
They are both true. If your break is interrupted by work duties, then this should be recorded, that is the letter of the law.
How drivers apply the law in practice when they are inadvertently interrupted is up to their own judgment, but a good rule of thumb of where the interruption can be disregarded, are those situations where nobody would have any objection if it wasn’t disregarded - if you follow me.
So if your boss is ringing briefly with important news, or if he’s interrupted you accidentally with some trivia, and either way he wouldn’t mind you restarting your break afresh once he’s done (either because the news was too important to wait, or because he is contrite for interrupting you needlessly), then that’s an example of something I’d ignore.
If you have a boss who is ringing every 20 minutes, and would hit the roof to hear you’re restarting the break as a result of his latest checkup, that’s a prime example of where I’d restart the break afresh each time I received any interruption.
mucker85:
If you do a printout by mistake you must keep it because it’s a legal document.
What exactly is a legal document? Is it like currency - treasonous to destroy it?
Rjan:
mucker85:
If you do a printout by mistake you must keep it because it’s a legal document.What exactly is a legal document? Is it like currency - treasonous to destroy it?
The guy talking at me said it’s exactly the same as an analogue tacho. I just nodded politely and walked away.