Not everything work out in life the way you want it to. While you can’t always stop bad things from happening, there is nothing that forces you to become a victim of the troubles in your own life. Often administrative processes can make a little issue feel like an insurmountable mountain, and it becomes difficult to keep a clear head. Don’t panic. There are ways around problems of your everyday life and steps that you can take to sort them out for good. The most common issues, experienced by people during their lifetime, are related to their house, their finances, and their work. Health has also its place on the list of issues, but unfortunately, dealing with health problems tends to require a change of lifestyle more than clever admin and legal steps! Here are the steps to take when you find yourself in trouble:
You are Renting A House That Isn’t In A Safe State
It is unfortunately a universal truth: Every tenant will once in a lifetime have to deal with a terrible experience with a landlord. Often, this can be related to unfair treatment, such as unfair eviction or increased rent. In that case, it is important that you understand your rights as a tenant so that you can raise the issue legally. You are, indeed, protected from such treatments by the law. Additionally, there is another form of difficulty that you might have to face with your landlord: Sometimes, repair work is necessary, such as when an electric cable is coming out of the wall, or when there is a leak, or even when the room gets mouldy because of an insulation problem. Your landlord can’t refuse to do the repair when it is a reasonable situation. However, not every landlord will undertake the repair for their tenant. So, if this is the case, you have a few possible actions to take that will help sort out your situation. For a start, you can complaint to the environmental health if the house is in such a state that your safety and health are at risk; this would be the case for leaks, insulation, dangerous electrical system, and damaged house structure for example. You can even ask your local council to inspect the house, which will speed up the repair process as your landlord might be facing legal consequences. You can also directly take a legal action with the help of a solicitor, assuming that you have kept all records of the dispute and mentions of the necessary repairs. What you cannot do is refused to pay the rent as this might give your landlord the right to start an eviction process.
Recovering From Bad Credit Score
Bad credits are the nightmare of every modern individuals as they make it particularly difficult to get a loan. However you can still find some non-perfect credit loans options that can help you through a hard time! Yet it is always recommended to try to recover from a bad credit score. To do this you will need to understand how you credit score is calculated: It generally is based at 35% on your payment history, 30% on your credit utilisation, 15% on the length of your credit history, 10% of the number of new accounts and applications, and 10% on the mix of credit types. Consequently, not all credit factors have the same importance in your final score. A change of credit habit will help you improve your score, such as using secured credit cards and asking for goodwill adjustments to recover from late payments. Needless to say, working with debt recovery companies to find ways to repay your loans is the most effective course of action.
Unfair Treatment At Work
Discrimination at work is more common than you think. This is why the Equality Act 2010 has been designed to protect you against:
- Direct discrimination, which means that you are openly treated differently and worse than others at the workplace because of your age, your gender, your race, your sexual orientation, your religious belief, etc.
- Indirect discrimination, which means that you are treated like everyone else, but it has a worse effect on you, for example because of your gender or your religious belief. This could be the case with a work policy claiming that no headwear is allowed, as this would go against the religious wear of someone who has a Muslim faith.
You can report discriminatory behaviour and issues to the HR manager. Sometimes, your employer will fail to make a reasonable adjustment to resolve the discrimination problem. There is a variety of actions that you can take to make a formal complaint and get things changed.
***This is a General post***