If you are bullied in the workplace, it can make your whole life a nightmare. We spend so much time at work. If someone is getting at you at work, the stress spills over into family life too. So when it has got to a point where you dread going to work every day, what can you do to move forwards positively? This might involve speaking out or pursuing legal rights perhaps with the help of someone like Prosperity Law or via an advice agency.

Acknowledge you are being bullied

Being bullied can eat away  at your self-esteem. Your bully may make fun of you for being over-sensitive. Whilst it is fine for a boss to highlight any poor performance or wrongdoing on your part, it is not OK to belittle you or to pile on pressure. Bullying can sometimes be identified by its repetitive nature and it can be done to you in so many ways and face-to-face, over the telephone and in written communications via text and email.

Examples of bullying behaviours

  • Rudeness
  • Insults
  • Gossip
  • Ignoring
  • Excluding
  • Victimising
  • Giving degrading, demeaning or pointless tasks
  • Threats
  • Sexual abuse
  • Blocking access to training or promotion

Feelings on being bullied

Being bullied can lead to various negatives in your life. These might include:

  • Lack of motivation
  • Anxiety
  • Sleep problems
  • Loss of confidence
  • Stress
  • Depression

There are no excuses for bullying and the bully is often in a powerful position but it is important to stand up to them.

What to do if you are being  bullied

Initially you could try speaking to the person who you feel is bullying you. Sometimes and only sometimes, the person does not realise their behaviour is out of order. Sometimes just telling someone how you feel can help a relationship work better. I say this because I once was amazed to see one boss and I get through a troublesome time once we started to understand each other that bit better. You could ask a colleague to be with you when you confront the other person. If this does not work, you can talk to your line manager or the Human Resources Department.

Taking legal action

You could put in a grievance about the situation. All too often though, grievances end up with you being on a disciplinary charge. This is when you would be well advised to contact ACAS (Advisory, Conciliation and Arbitration Service) for support. which comes free of charge.

Sometimes bullies go as far as sacking you in which case you will need employment law advice about unfair dismissal. In other situations, you may find the situation so intolerable that you choose to leave yourself and then you can look into claiming constructive unfair dismissal.

In conclusion, always know that bullying in any environment is unacceptable. It always defines the bully rather than yourself. Do not suffer in silence and respect yourself enough to reach out for support. That is a sign of strength.

Bullied In The Workplace

 

 

 

 

 

 

 

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Lucy At Home UK parenting blogger

The PPI deadline is getting closer every day. The Financial Conduct Authority (FCA) has set 29th August 2019 as the official date. But, what does this even mean? Why is this relevant?

As you are likely aware by now, PPI (Payment Protection Insurance) was widely mis-sold to customers during the 1990s and early 2000s. Mis-selling tactics included telling customers the insurance was compulsory with products such as credit cards, loans and mortgages.

For over a decade, customers have been making claims to their bank or lender for mis-sold PPI and receiving a refund. To date, the banks have paid over £30 billion back to consumers.

For years, the banks have been setting aside money to refund customers, but a deadline has now been put in place. The aim of the deadline is to encourage people to make a claim, rather than put it off. The FCA wants to draw a line under the mis-selling scandal and allow businesses and consumers to finally move on.

If you think you might have been mis-sold PPI, or if you’re not sure, you must contact the bank before 29th August 2019.

How to Make a PPI Claim

Making a PPI claim is a simple, but potentially lengthy, process. The most important thing is to start now, because a claim can take a number of months and the banks will likely get busier as we near the deadline.

There are three main components of a PPI claim:

  1.  Find old paperwork with evidence of mis-sold PPI

This can be the most challenging part for many people. If you can find your old financial paperwork with PPI listed then you have a case. At this point, you can contact a claims company to make a claim on your behalf or contact the bank yourself. If you can’t find any evidence or old paperwork, you can contact the relevant bank or lender to enquire. Alternatively, a PPI claims company will be able to check any old accounts for you.

  1. Make a claim to the bank

When contacting the bank, you will need to present the evidence of PPI (found on your paperwork) and explain how it was mis-sold to you. Do you remember being told it was compulsory or that it would increase your credit score?  You can now also complain about the level of commission on your PPI — we’ll look at this in a moment. There are a number of ways that the insurance was mis-sold to consumers.

  1. The outcome: receive a refund or send the case to the Financial Ombudsman Service (FOS)

The bank should provide a response to your claim within eight weeks of acknowledging your complaint. However, if you have more than one case, or if it’s a particularly old account, it can take longer. When you receive your refund, you’ll be sent a breakdown of how much you will get back and how the payment will be made.

If your claim is rejected, but you believe that you have a strong case, you can refer your case to the Financial Ombudsman. Its role is to independently deal with rejected claims. However, the backlog of claims at the FOS is huge and it can take up to two years for a resolution.

What Is Plevin?

When researching PPI, you might have come across the term Plevin. Plevin refers to a PPI case made by Mrs Susan Plevin. Her precedent-setting PPI case changed the landscape for claims, meaning that thousands more people can make a case to their bank.

The Plevin ruling is all about the commission. Did your bank disclose to you how much commission was on the PPI sale? More than likely, the answer is no. Even if you knowingly bought PPI, for example, because you wanted it, you can still make a claim based on the commission if the following two conditions are met:

  1. The amount of commission was not disclosed to you during the sale
  2. The commission amount was over 50%.

During the case of Mrs Plevin, it was revealed that 71% of her PPI sale was a commission. This staggering amount means that people in similar situations can make a successful claim. At the height of the mis-selling scandal, it was common for banks to make 67% commission on the sale, meaning it’s likely you will have a case.

Even if your PPI claim is rejected, you can claim a second time based on the commission amount. However, if your first claim was successful, you won’t be able to make a Plevin claim.

Using a PPI Claims Company

PPI claims companies often attract negative press. From endless cold-calls to companies that have scammed people out of money without doing any work, it’s unsurprising that the industry has developed a poor reputation. But, for some, using a claims company isn’t always a bad option.

While you are able to contact the bank yourself and get your PPI refund, if you have no idea where to start with old financial products, or know you won’t get around to it before the August 2019 deadline, enlisting an honest claims company is the best solution.

Always find a no win, no fee claims company and check the amount they charge on successful claims. Thanks to a new government rule, PPI claims companies can no longer charge more than 20% + VAT (24% inclusive), but many companies charge less than this while still offering an excellent service.

Don’t delay starting your PPI claim. The PPI deadline will soon arrive and you don’t want to miss your opportunity to receive a refund.

The Clock Is Ticking - How To Make A PPI Claim Before It Is Too Late

Ok, so the summer holidays are pretty much here, and it feels like you suddenly have a million and one things to do on top of everything else! Planning days out, making sure everyone has sunscreen on, a summer hat, keeping everyone hydrated, making a picnic, finding the buckets and spades, driving in a hot, stressful car – the list is endless! So when you’ve finally got the kids to bed and you might be able to hear yourself think again, it’s natural to feel a little deflated and worn out…

But what can you do to make yourself feel well, more like you again? Here you’ll find 4 ways to feel like a goddess again this summer.

Head to the dentist

I’m being serious! Not only does having regular check-ups mean that you’re less likely to get gum disease or have bad breath; visiting your dentist is a sure fire way to improve the look of your teeth, whether that’s with a thorough descale and polish or with something like tooth whitening. Either way, if you’re smile looks good, then you’ll want to show it more! And if you can’t help but smile, you’re sure to feel great too.

Invest!

When was the last time you invested in a good bra? Sure you can pick up three bras for under £10 at low priced clothing stores, but you know they don’t wash well and they lose their support after a few spins in the washing machine! Most women are wearing the wrong sized bra, so why not go get yourself properly measured? Many women are nervous when it comes to spending money on lingerie, but it doesn’t have to be for anyone else but you!

The same goes for underwear! I’m not telling you to bin your favourite, comfy pair of undies, just treat yourself to a new set; it doesn’t have to be uncomfortable either! Bikini bottoms, boy shorts or even a new pack of basic briefs can make you feel a million dollars.

MasterChef

Step away from the ready meals and the fast food delivery app! Most of us struggle to find the time to cook from scratch – especially if the kids are hungry and you have a million and one things to do while dinner is cooking. So, why not pick up a new recipe book, or search for something new online? Even get your partner involved if you want. Cooking together can be fun, exciting and really rewarding too. Who knew you were such a dab hand in the kitchen?

Sweat it out

The benefits of exercise are seemingly endless. Especially when it comes to our physical health. But did you know that working out is a great way to relieve stress, and just generally feel good? You don’t have to invest in an expensive gym membership, just follow a few gentle workouts on YouTube if you wish or go for a brisk walk with the dog around the neighbourhood. Breaking a sweat will make you feel good and give you a sense of accomplishment!

 

3 Little Buttons

You probably have your holiday booked already. You have found a good flight, booked some wonderful accommodation and put your spending money together. What are the things to remember as you prepare for your holiday?

Documentation

You can avoid a lot of hassle later if you are completely sure what documentation you might need in the country you are visiting. Imagine not having the visa you require as you arrive at an airport. Check and double-check that  you have exactly what you need with you when it comes to paperwork. Sometimes you will need confirmation of the address you are staying at and sometimes you will need your passport with you after you arrive for days out. Be prepared!

Money

You have saved up but do ensure that you have a little buffer money wise for unexpected happenings. Having a contingency fund just makes sense and can relieve so much stress. To think more positively,  imagine yourself saying yes to your children if unexpected treat opportunities head your way.

Health

Ensure you have the required travel vaccinations for the country you are visiting. I well remember my brother visiting Kuwait and coming back very ill with hepatitis having chosen not to have his jabs. My top tip is to speak to your doctor as soon as you decide what country you are going to visit on holiday. Consider any particular health risks you may face and have relevant pharmacy items packed. As we are talking about health don’t forget sun protection and something to fight the bugs too. Double-check that what you intend to take with you can be taken to your destination.

Pets

Ensure that you have arranged good quality care for your pets well in advance. I remember arranging with my brother for my dog to stay with him and my parents. I duly delivered the dog on the morning we were setting off and my mum hit the roof as she had not been consulted. It was resolved but it made things unpleasant on a day I thought would be happy.

Travel Insurance

I am lucky that my Dad worked in insurance so I know the importance of travel insurance and also what can go sadly wrong when you don’t have it. Hopefully your travels will go swimmingly but if they don’t, it is good to have the peace of mind of having travel insurance in place. Bupa Global offer travel insurance so visit their site and get a quote today.

What would you add to my list of things to remember as you prepare for your holiday/

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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My Random Musings

The sun has the effect of making us want to go out and have some fun. This can be costly though, especially if you have children to pay for as well. However, it doesn’t have to be; if you plan carefully and take advantage of any special offers that some of the summer attractions have.

Summer

Image source

Theme Parks

If you have two or three children, the cost of getting the whole family into a theme park can be enormous. It can cost you more than your weekly shop just to get in the gates before you do anything once you are inside. Theme parks are also the sorts of places that will have put discount codes on some websites though, or in some shops. They often related to a reduced price per person or a special discount if there are four or more of you. This can make a big difference to the cost of the entrance fees, so keep a watch out for the theme park voucher codes.

If you plan to go to a theme park and stay overnight, using Premier Inn voucher codes instead of staying onsite, can also work out cheaper when you have a large family to look after, so it’s always worth looking carefully at your options.

Not only that, but some of the supermarkets allow you to exchange your loyalty points for deals with the larger theme parks and that is worth checking out as well.

Museums

These days, museums are very child-friendly and often have an area dedicated just to the kids. But best of all most of them, are usually free. They can be the perfect antidote for the cries of boredom on a wet and rainy day.

Science museums are usually great fun for them as often there are experiments they can take part in.

Kids Love Picnics

Summer

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Take the kids to your local park, or the beach if you live near the coast and want a really cheap and cheerful day out. As long as they have a ball or something else to play with they can be happy for hours. Take a picnic with you, as children love to eat in this way. Also, pack plenty of fluids for them and then you might find that the most you have to spend is on an ice cream for everyone.

Use Your Back Garden

Why not invite a few friends, and let the children do the same and have a barbeque in your back garden. This need not cost much at all as most people now accept that they should bring food and drink with them. This is all just put together for everyone to help themselves. Some people love this idea as it lets them show off their cooking skills.

If you do not have a barbeque don’t let that stop you. Just have a table ready for everyone to put their contributions on and let them know any food should be cooked before they bring it.

This saves you standing over a hot stove, and lets you enjoy the get together along with everyone else.

A Bit Of Imagination

Summer

Image source

A bit of imagination is all it needs to entertain your kids cheaply. Consider bike rides or the local swimming baths as well. These are both things you and they can enjoy without spending too much money. Have fun!

You Can Save Money On Those Speical Summer Days Out

 

My Random Musings

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