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Credit Problems

Posted on by Shawnda

Some people find themselves with credit problems. These can be caused by not paying parking tickets or speeding fines. Also if you are behind in paying your utility bills this can affect and cause you to get a low credit score, which will cause you problems when trying to get a mortgage or car on finance.

You can sort credit problems yourself, by following these 5 easy steps:

  1. Figure out where you stand, write everything down so you know exactly what you owe.
  2. Try and pay off your credit card balances as soon as possible.
  3. Do not apply for any more credit cards or new credit anywhere
  4. Going forward to pay all your bills on time and do not miss any payments
  5. Check and double-check, if you find any errors dispute them

If you are really struggling with credit problems, and you cannot deal with it alone get some advice, We would suggest the Citizens advice, you can pop in and see them…contact them via email or by phone, there will be on-hand experts to help you with all of your credit problems.

Try and avoid any debt or loan companies that advertise on TV or in newspapers, these companies are not there to sort your credit problems, they are there to make money out of you. In the short term, your payments may become lower, in the long run, you will end up paying over the odds, so do not go near them and avoid them at all costs.

Always remember you are not alone, you are not the only person in debt. There are lots of people in the same situation if not worse. There are various debt forums that you can share experiences and chat to other people who are in the same situation as you, offering support to each other can help relieve the stress of credit problems and help you to understand that you are not alone.

Credit problems
Credit problems




Posted on by Shawnda

Redundancy is a form of dismissal from your job, it can happen when employers (for various reasons) need to reduce their workforce.

Your employer should use a fair and objective way of selecting people for redundancy, the methods usually used are: last in, first-out (employees with the shortest length of service are selected first) asking for anybody that may want redundancy (self-selection/voluntary redundancy) or an employer may go on disciplinary records.

There are many reasons you cannot be selected for, your redundancy could then be classed as unfair dismissal, and these may include: Gender, marital status, race, disability, age or sexual orientation.

If you are being made redundant you could be eligible for things such as: Redundancy pay, a notice period, a consultation with your employer, an option to move into a different role or time off to find a new job.

You would have to be given a notice period before your employment ends.

The statutory redundancy notice periods are: at least one weeks’ notice if employed between one month and two years. One weeks’ notice for each year if employed between two and twelve years and twelve weeks’ notice if employed for 12 years or more.

As well as the statutory pay your employer should either pay you through your notice period or pay you in lieu of notice depending on your circumstances.

You should be entitled to a consultation with your employer if you are being made redundant; you can then speak to them about why you are being made redundant or if there are any alternatives to redundancy. You can also appeal if you feel you may have been unfairly selected, you can do this by writing to your employer explaining the reasons you feel this way.

Man on road
Man on road


Stone Chip Repairs for your car

Posted on by Shawnda

Stone Chip Repairs caused by bad roads  stone chip repairs advice

Stone Chips are the most irritating of all types of damage on a vehicle.  They are not caused intentionally by the driver or driver in front, but more of an everyday occurrence when using motorways or on roads. Hard as it may seem no one is untouchable by them, wherever you have a large 4×4 or a small two-seater, at some point in the period of you owning that car you will have had some damage.  They are caused mainly by debris on the road, which gets caught up in the rear tires of the car in front, and at some point being flicked out of the thread by centrifugal forces acting on the wheel. The stone would impact on some part of the vehicle following behind, normally on either the front bonnet or offside and near side front wings. The resulting impact would chip out a section of lacquer and paint about the size of the impacting object. This process occurs numerous times throughout a standard journey, some smaller objects bouncing off while other creating damage. If some vehicles use the main motorways regularly, the bonnet and wings of the car will show the scars with large pebble dashed sections on the bonnets nose.  Stone chip repairs comes in two main categories

Touch up repairs

Touch up repair. It involves the cleaning of the damaged area with some alcohol based product than a rust preventative placed within the stone chip. After this has dried a primer is added and cured.  The next step is to touch in the stone chip with some paint (usually a water based type) followed by a top clear coat of lacquer.  After the repair is complete, it is not entirely invisible but to someone looking at a glance would not see it. This repair is the cheaper option and most cost effective.

Stone Chip Panel Respray

It can be considered as the last resort for you would have to have a pretty pebble dashed bonnet/wing to warrant a panel respray. The process of repair is similar to the touch-up repair stated above but carried out on a larger scale. Problems can arise when spraying large panels of a vehicle such as paint matching. It occurs if the car is older than three years or has a metallic or pearlescent finish. Every year of a car’s life the paint would faint slightly year on year, so when the paint is made up this would be its original colour and does not take into account fading or bleaching which occurs over a car’s lifetime.The choice of stone chip repairs method is quite limited and you should choose your option carefully.