Home Blog Page 84

Flixton care home supports Manchester Shoebox Appeal

Residents and staff members at De Brook Lodge care home are supporting the Manchester Shoebox Appeal this Christmas by becoming a donation drop-off location.

The Manchester Shoebox Appeal, run by Manchester Street Angels, encourages communities to donate gifts for vulnerable people and animals who otherwise might receive nothing.

Alan Eyres, home manager at residential and dementia specialists De Brook Lodge, said: “Community is so important to everyone at De Brook Lodge, and we’re always looking for ways to support those around us who might be struggling.

“By becoming a drop-off location for gift donations and spreading the spirit of giving, we hope to be able to make this festive season a special one for as many people as possible.”

Donations can be dropped off at: De Brook Lodge care home, 110 Irlam Road, Flixton, Manchester, M41 6NA by November 22, 2024.

For more information call 0161 755 9750, or email: [email protected].

De Brook Lodge is operated by Ideal Carehomes, which is part of HC-One.

20 Years of Debt Recovery Excellence for UK Businesses

0

Celebrating 20 years of service, Federal Management has become a pivotal partner in debt collection for UK businesses, recovering millions of pounds.

Federal Management, a top debt collection agency in the UK, commemorates its 20th anniversary this month. Established in 2004, the agency has expanded significantly, helping a diverse range of businesses reclaim substantial sums in unpaid debts.

The agency’s clients include small businesses and renowned entities such as Premier League football clubs, elite casinos, law firms, wealth managers, and high-profile corporations, solidifying its reputation as a trusted partner in debt recovery.

Reflecting on this milestone, Marc Curtis-Smith, Managing Director and Founder, shared: “I am immensely proud of what we’ve achieved over the past 20 years. Our commitment has always been to provide a highly professional and ethical service that stands as a benchmark within the industry. We have dedicated ourselves to raising the bar for commercial debt collection standards in the UK since we began this journey back in 2004.”

Raising Standards in Debt Collection
Since its inception, Federal Management has set itself apart by striving for transparency, accountability, and integrity within the debt collection industry. As an FCA-regulated agency, the company’s practices are aligned with the highest standards of ethical debt recovery, offering businesses the assurance that their cases will be handled professionally and sensitively.
“Our various accreditations underline our dedication to professionalism and compliance,” comments Marc Curtis-Smith. “Debt collection can be a sensitive matter, and we are committed to ensuring that our clients and their customers are treated fairly with the appropriate respect at every stage. We believe that debt collection should be done the right way and with integrity, that’s the philosophy we’ve followed since day one.”
Federal Management’s current and past accreditations with ISO:9001, Investors in People, Financial Services College, and the Credit Services Association highlights its commitment to maintaining quality standards and continuous improvement. These accolades reflect the agency’s dedication to service excellence and its proactive approach to training and development, which ensures that every member of its team is well-equipped to handle the demands of modern debt recovery.
Such is the reputation of Federal Management, they have also had their assistance called upon by various TV production companies and ITV script writers for Coronation Street to ensure Debt Collection scenes on the show were true to life.
Millions Recovered for UK Businesses
Federal Management’s impressive track record is built on the recovery of hundreds of millions of pounds for UK businesses, helping them maintain cash flow, reduce financial risk, and continue their growth trajectories. Their extensive experience in handling both commercial and high-value consumer debt cases has made them an invaluable partner for companies in various sectors.
Marc Curtis-Smith highlights the importance of their work for businesses in the UK economy: “Our services play a crucial role in supporting business stability and growth. Unpaid debts can severely impact a company’s cash flow, particularly for SMEs, which form the backbone of our economy. We’re proud to have recovered millions that allow businesses to reinvest, grow, and achieve their ambitions.”
“There have been many instances where we have literally saved Companies from going bust by way of collecting what they were owed.”
Frontline Collections: Expanding into Consumer Debt Collection
In 2005, Federal Management launched a new division, Frontline Collections, to meet the growing demand for consumer debt recovery. Focusing on the needs of individuals and smaller businesses, Frontline Collections has been highly successful in providing a tailored approach for clients in the consumer sector, further cementing Federal Management’s role as an innovator in debt collection.
“Frontline Collections was born out of a desire to meet the needs of smaller businesses and individuals who often felt underserved in the debt recovery space,” explained Curtis-Smith. “Today, it has grown into a successful operation in its own right, with the same commitment to integrity and professionalism that defines Federal Management.”
The Importance of a High-Quality Debt Collection Agency Service
It is said that using a bad service is worse than using no service at all.The same can be very much said for the UK’s Debt Collection industry.
Federal Management’s emphasis on professionalism and service quality has been central to its success and is a distinguishing factor in its approach to debt recovery. By focusing on providing a respectful and tactful service, Federal Management not only achieves high recovery rates but also maintains positive relationships between creditors and debtors wherever possible.
Marc Curtis-Smith emphasised the significance of their approach: “Debt recovery can be as much about reputation management as it is about financial recoupment. We understand that our clients want to recover what’s owed, but they also want to protect their brand and relationships. Our team works diligently to find a balance between firmness and respect, ensuring that every case is handled professionally and ethically.”
This client-first philosophy has been instrumental in earning Federal Management the trust of prestigious clients from diverse industries, including household names and smaller businesses alike. The company’s staff are trained to navigate complex cases with professionalism, empathy, and a commitment to uphold clients’ values, which has become a hallmark of Federal Management’s approach.
Looking Ahead: Innovation and Excellence
As Federal Management celebrates its 20-year milestone, the company remains committed to further raising the bar within the debt collection industry. With new technologies and changing regulations on the horizon, Federal Management is focused on adapting to these advancements to enhance its services, while remaining true to the principles that have defined it since its founding back in 2004.
“Our industry is constantly evolving, and so are we,” said Marc Curtis-Smith. “As we look to the future, we are excited to continue setting new standards in debt collection through innovation, continuous improvement, and unwavering dedication to our clients. We are as passionate as ever about supporting UK businesses and helping them achieve financial stability.”
“We are constantly seeking out new ways to improve our services as well as bolstering our collection strategies to ensure we maximise results for our clients”
A Lasting Impact on the Debt Recovery landscape
Federal Management’s two-decade legacy is not only a testament to its resilience and success but also to its influence on the UK’s debt collection landscape. As an agency that upholds the highest ethical standards, Federal Management has demonstrated that debt recovery can be conducted with integrity, professionalism, and respect.
Marc Curtis-Smith summed up Federal Management’s journey with a sense of pride and gratitude: “The last 20 years have been remarkable, and we are incredibly thankful for the trust and loyalty of our clients, partners, and dedicated teams. It’s a privilege to play a role in helping businesses overcome financial challenges and reach their goals. Here’s to the next 20 years of success, innovation, and continued support for the UK business community.”
From Debt Collection in London to Debt Recovery overseas, Federal Management will continue to serve the best interests of its clients both in the UK and Internationally.
As Federal Management celebrates this significant milestone, it stands as a shining example of professionalism and excellence in the debt collection industry, embodying the values that have made it an Industry leader over the past two decades.

Police appeal following sexual offence in Heywood

0

Officers are appealing to speak to a man (pictured) who they believe can assist in their investigations following a reported sexual offence in Heywood.

The incident occurred at a bus stop on Bury New Road, at around 6.45pm on Saturday, October 26.

It was reported that the victim was at the bus stop when a male approached her and made sexually inappropriate comments.

Officers investigating this incident have followed up with several lines of enquiry and are now in a position to ask for the public’s assistance.

Anyone who saw anything suspicious on Bury New Road around 6.45pm, or anyone with information, is encouraged to call 0161 856 8726 quoting Log 1497 of 27/10/2024.

You can remain anonymous by contacting independent charity Crimestoppers on 0800 555 111.

Civic acquires established MEP consultancy, Watt Energy & Consulting Engineers

Civic has acquired leading mechanical, electrical and public health building services and sustainable energy design consultants, Watt Energy & Consulting Engineers.

The North West based consultancy, led by Dan Watt, works on public and private sector projects across the UK.

The company has gained a reputation for providing low carbon sustainable design solutions for clients, with current work including Capital & Centric’s iconic Littlewoods building project in Liverpool, Leeds City Village, Collyhurst Village and Trafford Wharf in Manchester.

This acquisition is the third addition to Civic in the last few months following the announcement of the creation of archaeology and heritage consultancy, Civic Heritage, in September and the acquisition of place experts New Practice in October.

Civic, a team of system thinkers in the built environment, was set up to carefully curate new complementary service offerings and to provide opportunities for growth so clients can benefit from an increased variety of services and exceptional quality project work, with a wider aim of achieving greater social and environmental impact.

Established in 2015, Watt employs 12 people who provide innovative and practical engineering design that reduce the environmental impact of buildings and infrastructure in the built environment. Services include mechanical, electrical and public health engineering design, energy modelling and environmental sustainability services.

Founding director, Dan Watt said: “We have collaborated with Civic Engineers for many years and have always worked well together.  We have shared values and a real focus on solving problems for our clients, providing them with the most sustainable design solutions that put people and the environment at their heart. Joining the wider Civic team will help us to further our ambition of becoming a market leader, and enable us to have an even greater impact together.”

Stephen O’Malley, chief executive of Civic, said: “It has been quite a momentous few months for Civic and it is fantastic to be able to announce the addition of Watt Energy & Consulting Engineers. We have known Dan for a long time and he is a valued collaborator, so this acquisition seems like a very natural fit.

“The whole ethos behind Civic is about us having the ability to make a positive impact and to respond to the climate and societal challenges we are facing. We believe by carefully curating a team of experts with shared values and approach, we are offering clients the services they are telling us they need, and the opportunity to really put climate resilience and designing for people at the heart of everything.”

Civic’s advisors for the acquisition included Cowgills as corporate finance and Hill Dickinson as solicitors.

Image: (From left): Dan Watt, founding director at Watt; Katrina Davis, director of communications and culture at Civic Engineers; Julian Broster, COO and Stephen O’Malley, CEO at Civic).

Understand Your Consumer Rights: Law Firm Shares Black Friday Advice

With Black Friday (29 November) and Cyber Monday (2 December) approaching, experts at DAS Law are offering essential advice to help consumers protect their legal rights and make informed choices during the shopping rush.

Key Points:

  • A 14-day return period applies for online purchases, starting from the delivery date.
  • Credit cards provide the safest method for online payments.
  • ‘Subscription traps’ pose risks to shoppers, raising concerns among regulators.
  • Retailers are liable for any delivery damage if they organised the delivery.

While shoppers focus on securing the best deals, it’s important they’re aware of their consumer rights. What protections exist when shopping online? Are refunds or exchanges possible if prices drop before the sale? And how can shoppers avoid falling into a ‘subscription trap’?

Chloe Jones, a Legal Advisor at DAS Law, shares insights on what every online shopper should know to shop wisely this Black Friday and Cyber Monday.

What rights do I have when shopping online?  
You have 14 days to return an item if you change your mind – even if there’s nothing wrong with it – starting from the date of delivery, not the date of purchase. Whilst you are entitled to receive a refund for the item and standard delivery charges, you may be liable for the costs of sending it back, so it’s important to check the terms and conditions.
Do I have any legal rights to return something if I have changed my mind? 
If you buy an item in a shop, some stores will offer a returns policy within a specific period, but this is not obligatory if there is nothing wrong with the item. It is always advisable to check each store’s returns policy before buying – no matter how good a deal it may seem at the time.
What if an item I bought before the sales is now on offer at a cheaper price?  
If the store’s returns policy allows a refund then it may be possible to refund the previous purchase and buy the same item at a discounted price. The law does not automatically entitle you to do this; however, it is worth checking the store’s return policy for discounted items as they generally offer more rights than the law guarantees.
If I am buying products from a website outside the UK, what is the most secure way to pay?  
The most secure method of paying for goods online is to use a credit card. If there is a fault or you are a victim of fraud, on purchases between £100 and £30,000, you have protection under section 75 of the Consumer Credit Act 1974. This means that you may be able to recover the monies from the credit card provider rather than pursuing the retailer. For transactions under £100 or using a debit card, you may be able to claim under the chargeback scheme. Most debit and credit cards are covered under this scheme but it’s best to check with the card issuer before making any purchases.
PayPal or a similar online payment provider is another option you may want to consider, as they may offer additional protection to users for purchases online. However, this is subject to terms and conditions, so it’s recommended you check these before making any purchases.
Can a UK-based company sue me if I write negative reviews online about their service?  
As long as your review is factually correct or is simply an expression of your honestly held opinion, then it is extremely unlikely to be considered defamatory and a company will probably not have a legal basis to pursue a claim against you.
Who is responsible if my order is damaged in delivery when I receive it? 
Under the Consumer Rights Act 2015, if the retailer arranged the delivery, then the retailer will be responsible for any issue that arises during the delivery process, until the goods are received by the customer or anyone appointed by the customer, for example a neighbour, at which point the risk will be passed from the retailer to the consumer.
If the courier is appointed by the customer directly, then the courier will be responsible, and the customer can sue them directly. The standard time limit for delivery is 30 days and should be without undue delay unless the retailer and the customer agree otherwise.
Around Black Friday, customers might enter into a contract without deep consideration because of the appealing price the trader might offer, but what are the customer rights for cancellation if it’s for a service started immediately, such as Gym membership? 
Unfortunately, the customer must pay for the service that has been used during the 14-day cooling period, but they still have the right to cancel the contract.
What can a consumer do if they have been caught by a ‘subscription trap’? 
A subscription trap is when a consumer is misled into signing up for a subscription for goods or services. This is commonly done by the retailer promising a free trial, a reduced rate trial or sample goods where the consumer only has to pay for postage and packaging using a credit or debit card.
’Subscription traps’ have been the subject of regulatory focus for several years and government action on them is anticipated.
Subscription traps generally involve a continuous payment authority (CPA) in favour of the retailer. Consumers have the right to cancel CPAs with their card issuers and to obtain a refund in respect of any payments taken after such cancellation. But many factors need to be taken into account for the customer to be able to claim a refund, such as whether the trader is in breach of its obligations; whether the payment terms could be unfair and so non-binding on the consumer; whether the trader, in failing to make it clear that a subscription was being entered into, committed a misleading action; whether the consumer may be able to argue that the obligation to make payment was not incorporated into their contract with the trader and, as such, is unenforceable etc.
It may also be possible to make a claim against the credit card company in respect of the pre-cancellation payments. Section 75 of the Consumer Credit Act 1974 makes the credit card company jointly and severally liable with the trader for a misrepresentation or breach of contract.
Disclaimer: This information is for general guidance regarding rights and responsibilities and is not formal legal advice as no lawyer-client relationship has been created.

Four Loko Launches Limited Edition Black Flavour

Four Loko, a leading RTD brand, has introduced a new limited edition flavour, Black, which surprises with its vivid green colour and refreshing kiwi flavour. With an ABV of 8.4%, Four Loko Black promises a vibrant, fruity experience in a striking black and green can, enhancing visibility on store shelves.

Clark McIlroy, Managing Director of Red Star Brands, Four Loko’s distributor, shared: “With the festive season now upon us, this is the perfect time for consumers to get their hands on this limited edition release and embrace the season with an exciting new taste sensation.”

This seasonal release, available in 440ml cans for £3.49, is supported by the ‘Party in a Can’ campaign, which includes POS materials such as shelf barkers, wobblers, and digital aisle fins, in addition to targeted social media and influencer outreach.

“We know that NPD drives consumer interest in the RTD category so we’re excited to add some more vibrant colour in the run-up to Christmas,” said McIlroy. “Dark Berry Burst launched in May 2024 and is now the number 2 fastest selling SKU behind Four Loko White, so we have high hopes for Black. The fact that premium priced RTDs have grown faster than any other segment in the last two years means that there are some great opportunities out there for retailers to capitalise on this popularity.”

The campaign engages Gen Z consumers through social media, inviting them to share their #FourLokoMoments and become organic brand advocates for Four Loko.

Selected entries will receive exclusive merchandise and become part of the Four Loko story. To further support the launch, Four Loko has partnered with Snappy Shopper in Scotland for Black Friday offers, adding to the festive excitement.

“The idea is to bring to life the brand’s authentic, bold positioning while driving deeper connections through social engagement,” added McIlroy. “This exciting campaign is anchored by out-of-home executions and influencer content that complement these consumer-driven stories.”

Four Loko’s vodka-based, caffeine-free RTDs are available in 440ml cans. Four Loko Black brings the total flavour range to 10, with options like Pink Melon, Dark Berry Burst, White, Strawberry Lemonade, and others, each with an 8.4% ABV.

Simple steps to ward off condensation and mould this winter

Manchester homeowners have been urged to take some key simple steps to ward off condensation and potentially dangerous mould this winter.

As the country enters the colder months, the re-emergence of bathroom mould will become an increasingly annoying household issue.

Central heating and reduced ventilation tends to create ideal conditions for mould growth as it thrives in damp, poorly ventilated spaces, and the bathroom is often the perfect breeding ground.

Jennifer Shaw, an expert at Plumbworld, said: “What might appear as condensation to begin with can quickly lead to mould – which can, in serious cases, lead to health issues in the long run.

“While removing condensation altogether is impossible in a bathroom, there are ways to minimise it and get rid of it quickly.”

Here are five essential tips to prevent mould from taking hold in your bathroom this winter.

1. Maximise ventilation

Proper ventilation is the most effective way to prevent mould. “One of the simplest ways to keep mould at bay is to ensure your bathroom is well-ventilated,” said Jennifer.

“Make sure to open windows or use an extractor fan every time you use the shower or bath.”

Even in the colder months, it’s crucial to allow fresh air to circulate, helping to reduce moisture levels that can lead to mould growth.

“I would also recommend keeping the door slightly ajar after a shower to let the humidity escape.”

2. Wipe down surfaces after use

Mould can start forming within 24 to 48 hours on damp surfaces. To prevent this, Jennifer advises: “After showering, take a few minutes to wipe down the tiles, shower door, and any other surfaces that may have collected moisture. This simple habit can make a big difference in keeping mould at bay.”

Using a squeegee on glass surfaces and tiles can quickly remove excess water and reduce the risk of mould.

3. Avoid leaving damp towels in the bathroom

“Damp towels are a major contributor to excess moisture in the bathroom,” warns Jennifer. Instead of leaving wet towels to dry in the bathroom, she suggests hanging them in a well-ventilated area, such as a heated towel rail or a laundry room. This not only helps in preventing mould but also keeps your towels fresher for longer.

4. Keep your bathroom clean and dry

Regular cleaning is essential to preventing mould buildup.

“Make it a habit to clean your bathroom thoroughly at least once a week,” says Jennifer.

Use mould-resistant cleaning products, particularly on grout lines, shower curtains, and around sinks where mould is most likely to develop. After cleaning, make sure the bathroom is thoroughly dried, as moisture left behind can still contribute to mould growth.

5. Invest in a dehumidifier

In particularly damp bathrooms, a dehumidifier can be an invaluable tool.

“If your bathroom struggles with humidity even after taking other preventive measures, consider investing in a small dehumidifier,” suggests Jennifer. “It can help reduce moisture levels and prevent mould spores from taking root.”

Late police officers honoured with Elizabeth Emblem

0

Two policewomen who were killed on duty in September 2012, are among the first to be honoured with the Elizabeth Emblem.

The Elizabeth Emblem commemorates public service workers who lost their lives while on duty, serving as a lasting memory of their bravery. The honour is the civilian equivalent of the Elizabeth Cross.

PC Fiona Bone (32) and PC Nicola Hughes (23) were responding to a 999 call in Mottram, following reports of a burglary. The call was found to be made by Dale Cregan, who led the officers into a trap and shot, fatally injuring both women.

The gangster handed himself in at a police station, and admitted the attempted murder of three others in a high profile court case the following year. Cregan was convicted of all four murders and three attempted murders and was sentenced to life imprisonment with a whole life order on June 13, 2013.

Nicola’s father, Bryn Hughes – who received an MBE last year for services to people affected by crime – along with Fiona’s Father, Paul Bone, have long campaigned for such an honour for fallen public servants, killed in the line of duty. Both men welcome the award.

The design of the emblem includes a rosemary wreath, a traditional symbol of remembrance, surrounding a Tudor Crown and the inscription ‘For A Life Given In Service’.

The British prime minister at the time, David Cameron, described the attack as “a shocking reminder of the debt we owe to those who put themselves in danger to keep us safe and secure”, and then chief constable of Greater Manchester Police, Peter Fahy, described the officers as “two very brave and courageous colleagues who exemplified the very best of British policing”.

A spokesman for Greater Manchester Police said: “We will forever remember the heroism of PC Fiona Bone and PC Nicola Hughes, who were tragically killed in 2012. They dedicated their lives to serving their communities, and The Elizabeth Emblem will honour their dedication. Their courage continues to inspire us every day.”

Relatives of deceased emergency responders can apply for the emblem on the government’s website by filling in an application form and providing necessary supporting documents to meet the eligibility criteria.

Applications are verified and the George Cross Committee assesses them. Recommendations are made to the king and prime minister.

 

North West shop workers speak out on violence, theft and abuse

0

Retail trade union Usdaw has launched shocking statistics from its annual survey during this year’s Respect for Shop Workers Week, which runs from November 11-17.

Usdaw members are raising awareness of the union’s year-round Freedom From Fear Campaign and talking to the public to promote a message of ‘respect for shop workers’.

Interim results from more than 4,000 retail staff responses show that in the last 12 months:

  • 69% have experienced verbal abuse
  • 45% were threatened by a customer
  • 17% were assaulted
  • 70% of these incidents were triggered by shoplifting and two-thirds of those were linked to addiction

Respondents from Cumbria said they had experienced “inappropriate touching” and “attempted bodily harm”, while shop workers in Cheshire had experienced customers threatening to beat them up, and one had their rib broken.

One Lancashire respondent said: “Threatening and abusive language was used by a customer whilst I was working on the self-checkout. I found it scary and intimidating.”

While another in Manchester said they had been threatened by a customer with a screwdriver.

Paddy Lillis, Usdaw general secretary said: “Shop workers deserve far more respect than they receive and these experiences from North West retail workers make very difficult reading. It is shocking that over two-thirds of our members working in retail are suffering abuse from customers, with far too many experiencing threats and violence.

“Seven in ten of these incidents were triggered by theft from shops, which is clearly the result of a 21% increase in police recorded shoplifting across the North West over the year to June. It has become increasingly common for retail stores to be targeted by organised crime gangs stealing to order in the midst of a retail crime epidemic.

“Our survey demonstrates that theft from shops is not a victimless crime, with incidents regularly being a major flashpoint for violence and abuse against shop workers. Having to deal with repeated and persistent theft and even looting can cause issues beyond the incident itself like anxiety, fear and in some cases physical harm to retail workers.

“Our members are reporting that they are often faced with hardened career criminals in their stores and much of the abuse they suffer is from those who are stealing to sell goods on, often to fund an addiction.

“The chancellor announced in the budget funding to tackle the organised criminals responsible for the increase in shoplifting, and the government has promised more uniformed officer patrols in shopping areas. It is our hope that these new measures will help give shop workers the respect they deserve.

“This week, Usdaw activists will be campaigning in their workplaces and communities calling on the shopping public to ‘respect shop workers’ and ‘keep your cool’, particularly in the run-up to Christmas when the number of incidents increases as shops get busy and customers become frustrated. This is a hugely important issue for our members, and they are saying loud and clear that enough is enough.”

Radar Healthcare Gains Marlin Equity Funding for Global Growth

Radar Healthcare, a leading risk, quality, and compliance software provider for healthcare and social care, has received a significant growth investment from Marlin Equity Partners. This partnership is expected to accelerate Radar Healthcare’s goals in product innovation and global expansion.

Co-founders Paul Johnson and Lee Williams, alongside 24Haymarket, the primary shareholder since 2017, will retain minority interests in the firm.

Paul Johnson, CEO of Radar Healthcare, commented: “We are thrilled to partner with Marlin to accelerate our growth and further enhance our product offering. As the demand for unified systems to support care delivery continues to grow, this investment allows us to scale our solutions to meet the evolving needs of our customers across healthcare and social care. The Marlin team showed a profound understanding of our value proposition and strong alignment with our growth ambitions.”

Marlin Equity Partners shared their enthusiasm about the partnership, with Principal Chris Clasper adding: “The Radar Healthcare team has developed an innovative and customer-centric platform that is uniquely positioned to support the mission-critical needs of healthcare and social care providers. We are excited to work alongside the founders and management team to provide operational and financial resources that will support Radar Healthcare’s continued growth.”

This investment highlights a joint commitment to fostering progress and excellence within healthcare and social care, enabling Radar Healthcare to refine its platform and grow internationally.

DWF provided advisory support to Radar Healthcare for this transaction.