How Can I Prepare For Constructive Dismissal?


What is the Problem?

This one comes from Joe in Uxbridge, and his question is: “I have a funny feeling that my boss is trying to find grounds to dismiss me. I’m worried about constructive dismissal, what can I do to protect myself?”

What To Do

This is a horrible situation to find yourself in, and it’s not pleasant!
All too often, junior staff members are hung-out-to-dry even when following their line manager’s instructions. Sometimes management chooses to protect...

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What’s The Best Way to Read And Understand Acts of Parliament?


What is the Problem?

This one comes from Joyce in Worcester, and her question is: “What is the best way to read and comprehend Act of Parliament?”

What To Do

To read and comprehend an Act of Parliament, you first need to understand what an Act of Parliament is and what it isn’t.
Acts of Parliament start off as Draft Bills, and eventually become Bills proper, which make their way through Parliament.
Acts are written in a form of Legal English (of which there are many).

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What is Cash?


What is the Problem?

This one comes from Janice in Newcastle, and her question is…

“What is Cash?”

See video for oodles more information…

Your Due Diligence

There are many different definitions of the word ‘Cash’, depending where you look:
For example; a quick search on the “net” produces the following:

  • legal tender or coins that can exchanged for goods or services. It can sometimes include the value of assets that can be converted into cash...
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Why Should I Make a Will?


What is the Problem?

This one comes from Stephen in Dartford, and his question is: “Why should I make a Will?”

Well… Everyone should have a Will.

A Will formally sets out (expresses) your wishes for the distribution of your property and assets, after you have departed this mortal plane.
Your home, savings, insurance policies, investments, and personal possessions are all affected, and together these items comprise your ‘estate’.

In short, if you don’t leave...

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My Mortgage Company Won’t Help Unless I’m 3 Months Down!


What is the Problem?

This one comes from Daniel in Carlisle, and he says:

“I know I’m going to have difficulty with a few months payments on my mortgage, but when I contacted the mortgage company, staff told me they couldn’t agree a payment arrangement until I’m actually 3 months in arrears; is that correct because it seems crazy?”

  • The requirement to be three (3) months in arrear, before the Bank will discuss a payment arrangement, is more than likely the...
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Standing Order or Direct Debit – What’s the difference?


What is the Problem?

"What is the difference between a Standing Order and a Direct Debit?"

While this may seem like a very simple question, it is still a very important one. In the program we go over the important differences. Not knowing which is best can cost you control and perhaps some cash. And we don’t want that do we?

Your Due Diligence

It seems weird saying this; never trust bank staff to be able to explain banking products, services and or processes correctly, because in this...

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What is a Credit Score and Why Does it Matter?


What is the Problem?

This one comes from David in Newmarket, and his question is: What is a credit score?

A credit score is a third party assessment of your ability to handle liability (li-ability), and is usually required, and obtained, to help staff members assess applications for things like loans, credit cards, mortgages, mobile phone contracts and store finance.

The Outline Solution

The following broad elements of your "profile" are usually taken into account:

  • Stability of...
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What are YAYC's top tips for claiming back mis-sold PPI?


The ability to make PPI claims has now come to an end (with effect 29 August 2019). We have kept this post live because it contains a useful strategy for dealing with CORPORATIONS when a problem has to be resolved. Note the use of a Data Subject Access Request to conduct a fact finding mission BEFORE raising issues!

What is the Problem?

This one comes from Dorothy in Cheshire, and her question is:

“I’m about to make a claim for mis-sold PPI, and I’ve seen a lot of...

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Why Does my Mortgage Have a Power of Attorney?


What is the Problem?

This one comes from Joanne in Cumbria. She says:

“I have found a Power of Attorney clause in my mortgage conditions which I knew nothing about. Why does my mortgage company need a Power of Attorney?"

That’s is an excellent question and frankly the answer is not a short one, so make yourself a nice cuppa and get ready while Simon answers this tough nugget of a question.

Your Due Diligence

Before signing anything, you should always know what it is you are...

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Buying Gold - For People Like You & Us


Don't miss out on using gold to secure yours and your family's future... Click this link to get on the free Gold Buyers Course.

The Problem and Issue 

Are you worried about the banking system?
Do you trust Banks and bankers?
Have you considered creating your own “bank-of-gold” just in case the banking system ever collapses?

Due Diligence

This is a massive dilemma for those of you seeking to protect your children, grandchildren, extended families and loved ones from the...

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