rsg1234567:
I listen to short clips from a guy called Dave Ramey on you tube…solid advice, wish hwas around years ago anyhow, his advice to some one similar was make payments in this order, rent, food any other bills, i.e make them wait if necessary.
Hopefully you will find the true colours of your company and they will assist in someway, id absolutely pursue the chance of a claim, you might get some loss of earnings back at least.
Going forward, my advice is follow ramseys 7 steps, or at least the first three , watch some clips on his car advice i.e no car on payments, when to get of a clunker etc and save an emergency fund/ order to reduce debt. His take on warranties was very enlightening i.e they are not worth it,
Hope that helps and good luck
This is the problem with a lot of people these days, they want the latest and newest, it’s all on the knock, and if it goes south for any reason, as lots of folks live payday to payday they end up, without a paddle.
As the older folks say, live within your means not out of them,
Social security office for starters…the claim route is more tricky as their insurance will want evidence it happened there , the reason why you tripped…if it was a high kerb you never saw, not much they can do about that, not like a council with paving slabs lifting etc. maybe there is film evidence, or possibly witnesses…but i doubt your claim would be successful…i wish it was…but even that takes a long time.
Are you in a union ? they can help if you are…or a short term loan from your bank…dont tell them your off work though… but please tell your debtors whats happening and delay your payment plan…same as the rent. i wish you luck.
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me. Hope you get better soon mate, but to be honest, there’s little you can do. 9/10 drivers in the industry only get ssp, we just don’t get the pay and conditions that the rest of the world enjoy
Sorry but as someone that is relatively new to this industry I have worked in quite a few others over the years, we get exactly the same rate of pay and conditions as most other general workers.
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We may get the same as other blue collar industries, but if you start looking at office based jobs in the private sector, 4-6 weeks full sick pay is quite standard. And so is £30k+ for a pretty menial office job (anything above admin) on a 37.5 hour week
I was off for 6 months on ssp!
And I owned (well mortgaged) my own house, so no help off anyone. Beans on toast, no luxuries whatsoever.
On the upside I couldn’t drive, so no fuel costs, took the car off the road so no tax or insurance. Barely made a dent mind.
mkb600:
Just what the heck am l supposed to do? Hospital recommends I don’t drive for 6-8 weeks!
I think the general idea is that the “rainy day” you’ve been saving for ever since you started earning has actually arrived, so you’ll need to liberate some of the spare cash you’ve been squirreling away for just such an eventuality.
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me. Hope you get better soon mate, but to be honest, there’s little you can do. 9/10 drivers in the industry only get ssp, we just don’t get the pay and conditions that the rest of the world enjoy
The big problem with insurance is that they often have all kinds of restrictions that stop them having to pay out. I have never been a big believer in insurance and all I do insure is my house and my car. On the other hand, I have a savings account that I specifically set up to tide me over if something bad happened. Initially, I used a modest windfall to start it off, but I have added to it and invested it over the years so by the time I retired, I could have easily taken a year off. The best part is that Jay’s £360 a year is ‘lost’ money if he doesn’t make a claim, whereas my savings have already paid for a couple of cruises.
The usual advice is that you should have savings sufficient to carry you for three months mimimum.
I’m really surprised to hear that there’s no universal insurance cover for workers in this day and age. Over here we have ‘Work Cover.’ It’s an insurances company (not sure if it’s wholly government or what, but if you have a work accident like this you’re covered. The company you work for pay the premiums and just like any other insurance, it encourages them to make the place safe because their premiums go up with claims. I think the op should really look in to making a claim against the Toddington services.
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me.
Personally I find having an emergency fund of 6-12 months living expenses much preferable to giving companies £30 a month for nothing like you are. I had a look at income protection insurance, it isn’t worth the paper it is written on there’s so many exclusion clauses and you can’t even get paid out for several weeks or the first few months.
OVLOV JAY:
How do you save it though? And how much is the target?
It isn’t rocket science, just spend less than you earn, don’t buy stuff you can’t afford with other peoples money, stop wasting money on crap and ■■■■■■■ it up against the wall on a Saturday night or setting fire to it in the form of paper tubes filled with tobacco. Target should be 3-6 months of living expenses to kick off with.
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me. Hope you get better soon mate, but to be honest, there’s little you can do. 9/10 drivers in the industry only get ssp, we just don’t get the pay and conditions that the rest of the world enjoy
I took out so-called “Income protection insurance” in the early 90’s, only to find when I tried to claim on it in 2006 that you’re only covered for “day 5 onwards in hospital”. I was discharged after 48 hours, and spent 10 months off sick on zero pay with a head and neck injury. I got zippo, and cancelled the policy straight after - but too late to do me any good for the 4-figures I must have paid in by that point.
The firm, instead of paying me SSP - decided to pay me £200 per week out of my pension pot, which had to be paid back in on my return to work. Because of this payment - I was then not entitled to any DSS payments, as £200pw put my income above the threshold. I was effectively worse off than getting NOTHING then. (I litigated successfully on my return to work, but it took 5 years to get a payout, which barely covered my loss of earnings) :
At my last full time firm, I also didn’t get sick pay - which was instead “At manager’s discretion” meaning that any friend of a manager could throw a sickie being worse for drink on a monday morning - and get paid - whilst anyone anti-social like me got zippo again. I lodged a complaint and grievance, but got laid off (with a payoff) before that was resolved.
Are there any firms left that play it straight, and just pay out no quibble for any injury requiring hospitalization, rather than base it on the length of time spent IN Hospital… I hear you are out in less than a week for Abdominal surgery these days, so f— knows how one ever gets paid out of these so-called “Income Insurance” thingies…
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me.
Personally I find having an emergency fund of 6-12 months living expenses much preferable to giving companies £30 a month for nothing like you are. I had a look at income protection insurance, it isn’t worth the paper it is written on there’s so many exclusion clauses and you can’t even get paid out for several weeks or the first few months.
OVLOV JAY:
How do you save it though? And how much is the target?
It isn’t rocket science, just spend less than you earn, don’t buy stuff you can’t afford with other peoples money, stop wasting money on crap and ■■■■■■■ it up against the wall on a Saturday night or setting fire to it in the form of paper tubes filled with tobacco. Target should be 3-6 months of living expenses to kick off with.
I know the premise of how you save money
3-6 months of living expenses is £6-12k. Those of us that live in London have the misfortune of paying £12-1500 a month just to keep a roof over our heads. On top of £500 a month for child support. Then I have to eat etc. The cheap income protection policies are crap, I’ll agree. That’s why I pay £30 a month for a decent one. I did my homework after seeing one of my mates lose his house after a motorbike accident left him off work for 14 months
Santa:
The best part is that Jay’s £360 a year is ‘lost’ money if he doesn’t make a claim, whereas my savings have already paid for a couple of cruises.
I’d rather give £30 a month to an insurance company if the alternative was having to go on a cruise.
It is an industrial Injury, regardless of location, the employer or in this case, the services have a duty of care … Call a solicitor immediately, make sure all contact is documents, ie doctor , hospital X-ray, MRI, mileage … out of pocket expenses loses or earnings, claim back interest, as said before, we have work over over here ., a few months back a colleague hurt his knee and was on full pay. All medical etc paid for by NSW government.
peterm:
I’m really surprised to hear that there’s no universal insurance cover for workers in this day and age. Over here we have ‘Work Cover.’ It’s an insurances company (not sure if it’s wholly government or what, but if you have a work accident like this you’re covered. The company you work for pay the premiums and just like any other insurance, it encourages them to make the place safe because their premiums go up with claims. I think the op should really look in to making a claim against the Toddington services.[/quote. same over here its called workers comp, should anything happen at work and the worker is injured and of work its 90% of last yrs ave iirc, saved my bacon when I had my accident in jan 09 and was of work till july… Hope the op gets things sorted out.
Santa:
The best part is that Jay’s £360 a year is ‘lost’ money if he doesn’t make a claim, whereas my savings have already paid for a couple of cruises.
I’d rather give £30 a month to an insurance company if the alternative was having to go on a cruise.
I hear you! - I was never so board as when on a boat for a prolonged period with nothing to do but “spend money on overpriced everything” sold ON that boat - or donk it away in the casino, a place that this lifetime gambler has managed to never darken the doors of, surprisingly…
Olau Sheerness-Vlissengen was 8 hours of total boredom.
Oostende-Folkstone - where the ship broke down in the middle of the crossing - was a “night out without night out money”.
Luxor-Qena - 4 hours of stifling heat, and nothing to do but build up my next onset of “Rameses’ Revenge” - by drinking on the top deck - with no beer on sale, 'cos it’s Egypt!
I’m buggered if I want to pay to go on a bloody CRUISE vessel then!
It’s not as if one can sleep on those newer plastic chairs they have on the basic channel crossing vessels these days…
I remember the good old days when the cross channel vessels had loads of holey-knacked old sofas all about - you know, the ones with ■■■ burns, knife slashes in them that were bloody GREAT for getting a kip on what was a long overnight crossing with less than a capacity crowd on board…
Santa:
The best part is that Jay’s £360 a year is ‘lost’ money if he doesn’t make a claim, whereas my savings have already paid for a couple of cruises.
I’d rather give £30 a month to an insurance company if the alternative was having to go on a cruise.
I hear you! - I was never so board as when on a boat for a prolonged period with nothing to do but “spend money on overpriced everything” sold ON that boat - or donk it away in the casino, a place that this lifetime gambler has managed to never darken the doors of, surprisingly…
Olau Sheerness-Vlissengen was 8 hours of total boredom.
Oostende-Folkstone - where the ship broke down in the middle of the crossing - was a “night out without night out money”.
Luxor-Qena - 4 hours of stifling heat, and nothing to do but build up my next onset of “Rameses’ Revenge” - by drinking on the top deck - with no beer on sale, 'cos it’s Egypt!
I’m buggered if I want to pay to go on a bloody CRUISE vessel then!
It’s not as if one can sleep on those newer plastic chairs they have on the basic channel crossing vessels these days…
I remember the good old days when the cross channel vessels had loads of holey-knacked old sofas all about - you know, the ones with ■■■ burns, knife slashes in them that were bloody GREAT for getting a kip on what was a long overnight crossing with less than a capacity crowd on board…
I used to love the overnight crossings (ok maybe not the Oostende Ramsgate prison ship ) it was just like the old days of UK trucking when drivers met up and socialised,
I’ve had great nights on there with some good lads, drivers of diffferent nationalities.
You’ve never lived until you’ve gatecrashed into a hen party on the Hull.Rotterdam (aka ‘The Love Boat’ ) or the Shields Ijmuiden (to Amsterdam) boats.
As for cruises I’ve always fancied one especially the all inclusive ones, a day at sea only, hot weather and captive in a free bar…what’s not to like?
Maybe me and the Mrs will book one, …tell my pal Nightline I’ll need to save up or take out a loan.
peterm:
I’m really surprised to hear that there’s no universal insurance cover for workers in this day and age. Over here we have ‘Work Cover.’ It’s an insurances company (not sure if it’s wholly government or what, but if you have a work accident like this you’re covered. The company you work for pay the premiums and just like any other insurance, it encourages them to make the place safe because their premiums go up with claims. I think the op should really look in to making a claim against the Toddington services.
[/quote. same over here its called workers comp, should anything happen at work and the worker is injured and of work its 90% of last yrs ave iirc, saved my bacon when I had my accident in jan 09 and was of work till july… Hope the op gets things sorted out.
It used to be called Workers Compensation here as well, but I suppose some bright spark in the office decided to have a really expensive name change.
mkb600:
Hi folks.
A couple of nights ago, whilst at work, I somehow managed to trip over one of those big kerbs at Toddington services. This resulted in me fracturing my shoulder. The company I work for only pay SSP. This won’t even cover my rent never mind anything else. Just what the heck am l supposed to do? Hospital recommends I don’t drive for 6-8 weeks!
It’s a bit stressful.
do you feel fit to drive though? i have an on-going shoulder injury,and was off work 3 months the shoulder specialist wants to operate,but says i might be slightly better,or slightly worse after the op. which would mean another 3 months off work! i’m doing physio at the Therapy Dept.,and they say carry on doing the physio if you want to avoid an op. must admit,i don’t fancy surgery,and i’m just getting on with it. driving no problem,just have to be careful when doing other manual tasks.thankfully,i’m with a Company that DOES pay proper sick pay (after 3 years service,i believe),which was a massive relief,i can tell you!
anyway,good luck,and hopefully you’ll be able to return to work soon.
Any ship is a prison with the chance of drowning thrown in absolutely free. I sail the kind that have sails ,wouldn’t go near the horrible water going monstrosities.
OVLOV JAY:
This post should be a warning to anyone who hasn’t got income protection insurance! £30 a month for peace of mind for me.
Personally I find having an emergency fund of 6-12 months living expenses much preferable to giving companies £30 a month for nothing like you are. I had a look at income protection insurance, it isn’t worth the paper it is written on there’s so many exclusion clauses and you can’t even get paid out for several weeks or the first few months.
OVLOV JAY:
How do you save it though? And how much is the target?
It isn’t rocket science, just spend less than you earn, don’t buy stuff you can’t afford with other peoples money, stop wasting money on crap and ■■■■■■■ it up against the wall on a Saturday night or setting fire to it in the form of paper tubes filled with tobacco. Target should be 3-6 months of living expenses to kick off with.
As I pointed out earlier, I have a policy which acts as savings as well, so I get a pay out if I havent claimed by the age of 60, my retirement age. I have an IFA that recommended it, I’ve found them to be useful over the years.
I agree that having 3-6 months living expenses minimum is a good option, but at the time there would have been no way i could save that as i was on very poor money, so it made sense to get a policy.
but please tell your debtors whats happening and delay your payment plan…same as the rent. i wish you luck.
) it was just like the old days of UK trucking when drivers met up and socialised,
) or the Shields Ijmuiden (to Amsterdam) boats. 
the shoulder specialist wants to operate,but says i might be slightly better,or slightly worse after the op.