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PvKzix wb q cövqb hme cökœ Kiv nq GBZ_ Bsj vû, I qjm, Uj vû Ges DËi Avqvij v Ûi ÿ Î cö hvr Avwg wk cbw ev ezbmn nwj W cvevi hvm? 2 Avwg wk e vsk nwj W Z KvR _ K QzwU cvevi hvm? 2 Avgvi cvu bvi Lye kxwnªb mšívb cöme Ki Z hv Q Avwg wk KvR _ K Kvb QzwU c Z cvwi? Avwg wk mmgq ezb cv ev? 3 ezb hw` ekx w` q `qv n q _v K Z e Avgvi PvKzix`vZv wk Zv diz w` Z Avgv K Rvi Ki Z cv i?4 Avgv K KvR _ K ev` w` q `evi Av M Avgvi PvKyix`vZvi wk wbw` ó mgq Av M bvwuk `qv DwPr? 4 Avwg Mf ezx e j wk Avgvi PvKzix`vZv Avgv K QvUvB K i w` Z cv i? (BWeøDGm) 5 Avwg Mf ezx e j wk Avgvi PvKzix`vZv Avgv K QvUvB K i w` Z cv i? (GbAvB) 5 Avwg g b Kwi gwnjv e j Avgv K Kv R elg Kiv n Q Avwg wk Ki Z cvwi? 5 Kv R ˆel g i wkkvi nw Q e j Awf hvm Kivi ci Avgv K jÿ ev wfkwugvbhw Kiv n q Q, Avwg wk Ki Z cvwi? 6 Avwg g b Kwi Kv R Avgvi weiæ ey elg Kiv n Q Avwg wk Ki Z cvwi? 7 cöwzeüx `i Rb Kv R wk we kl Kvb myiÿv e e v i q Q? (BWeøDGm) 8 cöwzeüx `i Rb Kv R wk we kl Kvb myiÿv e e v i q Q? (GbAvB) 9 Avwg g b Kwi Avgvi ag wek v mi Kvi Y Avgv K Kv R Ab vh fv e `Lv nq, GwU wk ˆea? 9 Avwg Kv R nqivbxi wkkvi nw Q KviY Avgvi mnkgx iv g b K i Avwg mgkvgx Avwg wk Ki Z cvwi? 10 Avgvi Kv Ri Pzw³ Z ejv i q Q h Avgv K 60 eqi eq m Aemi wb Z n e Zviv wk Avgv K Aemi wb Z eva Ki Z cv i? 10 Avwg GKwU Kv Ri Rb Av e`b K iwq Ges d g Avgvi Rb ZvwiL Rvb Z PvIqv n q Q Avgvi wk GwU w` ZB n e? Avgvi AvksKv Avgvi eqm KZ Zv Rvb j cöwzôvbwu Avgvi Av e`b we epbv Ki e bv 10 Avwg Kv R LyeB Pv ci g a i qwq, Avgvi PvKzix`vZvi wk G wel q wkqz Kiv DwPr? 10 Avwg hlb Kg eqmx wqjvg ZLb cywjkx Sv gjvq Rwo q c owqjvg Avwg GLb Kv Ri Rb Av e`b KiwQ Ges Avgvi fq Avgvi Awfhy³Zvi Kvi Y Avwg KvR cv ev bv Avgvi wk GB Aciva msµvší welqwu PvKzix`vZv `i Rvbv ZB n e? (ïaygvî Bsj vû, I qjm Ges Uj vû) 11 Copyright 2002 Citizens Advice All rights reserved Page 1 of 12

Avwg wk cbw ev ezbmn nwj W cvevi hvm? Avcwb eq i b~ bzg 5.6 mßv ni nwj W cvevi hvm G K e j vpzuwi nwj W ev mswewae nwj W Avcwb eq i KZ jv mswewae nwj W c Z cv ib Zv wnmve K i ei Ki Z n j Avcbv K 5.6 Gi mv _ mßv n hzw`b KvR K ib Zv Y Ki Z n e hgb: Avcwb hw` mßv n cvupw`b KvR K ib Z e Avcwb eq i 28w`b ezbmn nwj W cv eb (5.6 x 5) Avcwb hw` mßv n 2.5 w`b KvR K ib Z e Avcwb eq i 14w`b ezb mn nwj W cv eb (5.6 x 2.5 ) GB mswewae m e v P h ezbmn nwj W Avcwb c Z cv ib Zv n jv 28w`b Avcwb hw` mßv n cvupw` bii ekx KvR K ib ZviciI GwU cö hvr n e Avcbvi Kv Ri Pzw³ Z nq Zv Gi P q ekx QzwU Avcbv K w` Z cv i cvu UvBg ev LÛKvjxb PvKzixRxexiv cöv ivuv GgvD U cv eb Z e Kvb Kvb Kgx iv Ggwb ZB GB mswewae QzwUi Rb hvm bvi n Z cv ib ( hgb ^m evwnbx ev cywjkx evwnbxi m`m ) Ges GBai bi Kg x `i nwj W ev QzwUi AwaKv ii Rb Zv `i PvKzixi Pzw³i Dci wbf i Ki Z nq Avcbvi QywUi mgq ev eqi K e ïiæ I kl n e Zv Avcbvi PvKzix`vZv wvk Ki eb- GwU Kvb eq ii 6 GwcÖj _ K ïiæ K i c ii eqi 5 GwcÖj ch ší n Z cv i, Kvb eq ii 1 Rvbyqvix _ K 31 ww m ^i ch ší n Z cv i Avcbvi QzwUi eq i hw` 1 GwcÖj 2009 qi Av Mi mgq AšÍ f ³ _v K Z e Avcbvi cvibv QzwU Kg n e GwU cöv ivuv wfwë Z wnmve Kiv nq- 1 GwcÖj 2009 qi Av Mi 4.8 mßvn Ges 1 GwcÖj 2009 n Z 5.6 mßvn wnmve K i Avcwb hw`b _ K KvR ïiæ K i Qb mw`b _ K ezbmn QzwU cv eb- QzwU c Z Avcbv K Kvb b~ bzg mgq KvR Ki Z n e Zv bq Avwg wk e vsk nwj W Z KvR _ K QzwU cvevi hvm? Avcwb eq i b~ bzg 5.6 mßv ni QzwU cvb G K e j mswewae ev vpzuwi QzwU Avcwb eq i KZ jv mswewae nwj W c Z cv ib Zv wnmve K i ei Ki Z n j Avcbv K 5.6 Gi mv _ mßv n hzw`b KvR K ib Zv Y Ki Z n e Z e Avcbv _ KB e vsk ev mikvix QzwUiw` bi Rb hvm bvi n Z cv ib GwU wbf i K i Avcbvi PvKzixi Pzw³i Dc i Avcbvi PvKzixi Pzw³ Z nq Zv ejv _vk Z cv i h Avcbvi mswewae nwj W cvevi AwaKvi i q Q wksev G Z Pzw³e nwj W ev mswewae nwj W wb q nq Zv wkqz ejv bvi _vk Z cv i Gme ÿ Î Avcbvi PvKzix`vZv hv hv Ki Z cv ib: Copyright 2002 Citizens Advice All rights reserved Page 2 of 12

Avcbv K e vsk ev mikvix QzwUi w` b KvR Ki Z ej Z cv ib, ev Avcbv K e vsk Ges mikvix QzwUi w` b QzwU w` q w` Z cv ib mw`b jvi Rb Kvb ezb `qv QvovB G ÿ Î, Ab mg q Avcbvi mswewae QzwUi w`b jv bevi AwaKvi _ K ewâz n eb bv A_ev Avcbv K e vsk Ges mikvix QzwUi w`b jv Z wzwb QzwU Ges mw`b jvi Rb ezb w` Z cv ib wkš Avcbvi cvibv mswewae QzwUiw`b jv _ K G jv ev` w` Z ej Z cv ib A_ev, Gme jv wgwj q QzwU w` Z cv ib D`vniY: Avcwb hw` mßv n cvup w`b KvR K ib Z e Avcwb eq i msweavb Abyhvqx 28 w` bi nwj W cvevi hvm Zv iv Lb (5.6 mßvn x 5 w`b) Avcwb hw` e vsk Ges mikvix QzwUi w`b jv Z QzwU cv eb e j g b K ib Ges Avcwb m jvi Rb I ezb cvb Z e GBw`b jv Avcbvi 28 w` bi QzwUi g a _ K K U bqv n e Bsj vû Ges I qj m AvUw`b e vsk Ges mikvix QzwUi w`b i q Q, Kv RB Gici Avcbvi nv Z 20w`b QzwU _vk e hv Avcwb wvk Ki Z cv ib KLb KLb b eb Uj v Û bqw`b e vsk Ges mikvix QzwUi w`b i q Q ZvB Avcbvi nv Z _vk e 19 w`b hv Avcwb wvk Ki Z cvi eb KLb QzwU wb Z Pvb b`v b Avqvij v Û `kw`b e vsk Ges mikvix QzwUi w`b i q Q ZvB Avcbvi nv Z _vk e 18 w`b hv Avcwb wvk Ki Z cvi eb KLb QzwU wb Z Pvb Avcbvi PvKzixi Pzw³ Z nq Zv mswewae QzwUi w`b jv mn e vsk ev mikvix QzwUi w`b jv Z QzwU `evi K_v _vk Z cv i GiKg n j Avcbvi Pzw³ Z Zv úó K i ejv _vk e Ges Gw`b jvi Rb Avcbv K ezb `qv n e wkbv ZvI e j `qv _vk e Pzw³ Z e vsk Ges mikvix QzwU wb q wkqz bv ejv _vk j cwiw wz RwUj n Z cv i D`vinY: Avcbvi PvKzixi Pzw³ Z e j h Avcwb eq i 35 w`b cbw ev ezbmn nwj W cv eb GwU msweavb Abyqvix cviqv QzwUi w` bi PvB Z ekx Avcbvi PvKzixi Pzw³ Z e vsk Ges mikvix QzwUi w` bi K_v wkqz D jøl Kiv nqwb Avcwb Avcbvi mswewae cvibvi Dc i Ges evb i 7 w`b QzwU cvevi hvm Zv iv Lb Avcbvi PvKzix`vZv nq Zv GB evowz cvibvi Ask wn m e Avcbv K e vsk Ges mikvixi QzwUi ezb w` Z cv ib ev wzwb nq Zv Avcbv K e vsk Ges mikvix QzwUi w` b Avcbv K KvR Ki Z Ges GB evowz 7w`b Ab Kvb mg q wb q wb Z ej Z cv ib Avgvi cvu bvi Lye kxwnªb mšívb cöme Ki Z hv Q Avwg wk KvR _ K Kvb QzwU c Z cvwi? Avwg wk mmgq ezb cv ev? Avcwb nq Zv `yb mßvn ch ší c vuvwb wu wjf ev evev nevi Rb QzwU wb Z cv ib H GKB PvKzix`vZvi mv _ wkïi R b i cöz vwkz mßv ni Av Mi 15Zg mßvn k li g a Avcbv K AšÍZ 26 mßvn a i Kv R _vk Z n e Copyright 2002 Citizens Advice All rights reserved Page 3 of 12

wkïi hw` 3 GwcÖj 2011 Zvwi L Rb bevi K_v _v K Ges Avcbvi cvu bvi Zvi cy iv g vuvwb wu wjf ev gvz Z Kvjxb QzwU bv wb q _v Kb Z e wzwb evkx h mgquzkz QzwU c Z cv ib m mg qi Rb Avcwb QzwU wb Z cv ib Avcwb hw` Avcbvi PvKzix`vZvi n q GKeQ ii Dc i KvR K i _v Kb Z e nq Zv ezb Qvov 13 mßvn c i Uvj wjf ev QzwU Avcwb c Z cv ib Avcbvi mšívb cvup eqi nevi Av MB GB c i Uvj wjf wb Z n e Avcbvi mšív bi hw` Kvb cöwzew Z _v K Z e Avjv`v bxwzgvjv i q Q- Avcbvi m ÿ Î 18 mßvn ezb Qvov c i Uvj wjf bevi AwaKvi i q Q hv mšív bi eqm 18 nevi Av M wb Z n e evev Ges gv- Dfq Awffve KiB GB QzwU bevi AwaKvi i q Q Avcbvi cvu bvi hw` Kv R diz hvb Z e wzwb h gvz Z Kvjxb QzwU cv eb Zvi mv _ GB c i Uvj wjf cvevii GKB AwaKvi Zvi i q Q wkïi gv qi mv _ Avcbvi we q bv n ji Ges hw` Avcwb ev Pvi gv qi wmwfj cvu bvi n q _v Kb Z e GB GKB bxwzgvjv cö hvr n e Kvb Kvb PvKzix`vZv bervz Ki R b i ci ezbmn evowz QzwU w` q _v K ZvB Avcbvi PvKzixi Pzw³ fv jv K i `Lyb ezb hw` ekx w` q `qv n q _v K Z e Avgvi PvKzix`vZv wk Zv diz w` Z Avgv K Rvi Ki Z cv i? AvBb Abyhvqx, Avcbvi PvKzix`vZv wbw` ó wkqz ÿ Î ezb KvU Z cv ib Zviv U v ev Ki Ges b vkbvj Bbmÿ iý (GbAvB) KvU Z cv ib Ges Avcbvi KvQ _ K Av MB wjwlz AbygwZ wb q Q ev Avcbvi PvKzixi Pzw³ Z ejv i q Q mikg wkqz ÿ Î ezb KvU Z cv ib Z e, Avcbvi ez b hw` mwz evowz A_ cö`vb Kiv n q _v K, Z e evowz A_ K U wb Z Avcbvi AbygwZ PvKzix`vZvi wb Z n e bv Avcbvi gz QvovB Zviv ezb _ K mb evowz UvKv K U wb Z cv i GB AvB bi Kvb Kvb ÿ Î e wz ik i q Q Ges hviv `vkv b KvR K ib Zv `i ezb _ K K U bevi ÿ Î we kl wkqz bxwz i q Q Avgv K KvR _ K ev` w` q `evi Av M Avgvi PvKyix`vZvi wk wbw` ó mgq Av M bvwuk `qv DwPr? Avcbv K hw` KvR _ K QvUvB K i `qv nq Z e mvaviy GKwU wbw` ó mg q bvwuk cvevi AwaKvi Avcbvi Av Q Avcbv K hlb Rvbv bv n e h Avcbv K KvR Qvo Z n e Ges hw`b _ K mwz mwz Avcwb KvR Qvo Qb ( h ZvwiL _ K Avcwb QvUvB n Qb) mb ga ezx mgq GB bvwu ki mgq Z e iæzi Kvb Kvi Y hw` Avcbv K QvUvB Kiv nq Z e GB bxwz KvR Ki e bv iæzi Ab v qi g a Kv Ri RvqMv _ K wkqz Pzwi Kiv ev Kv R gvzvj wksev mwnsm AvPiY Kiv AšÍ MZ AvBbMZfv e b~ bzg bvwukcövwßi mgq Avcbvi cvevi AwaKvi i q Q GwU wbf i K i Avcwb Avcbvi PvKzix`vZvi n q KZw`b a i KvR Ki Qb AvBbMZ b~ bzg bvwuk cövwßi mgq n jv: GK mßvn, hw` Avcbvi PvKzix`vZvi n q Avcwb GKgvm wkš `yb eq ii Kg mgq a i KvR K ib `yb mßvn, Avcwb hw` Avcbvi PvKzix`vZvi n q cy iv `yb eqi KvR K i _v Kb Copyright 2002 Citizens Advice All rights reserved Page 4 of 12

`yb mßvn Ges `yb eqi a i cy iv cöwz eq ii PvKzixi Rb evowz GK mßvn K i hgb Avcwb hw` mv o wzb eqi KvR K i _v Kb Z e Avcbvi wzb mßv ni bvwuk cvevi AwaKvi i q Q me wgwj q m e v P ev iv mßv ni QzwU Avcwb c Z cv ib AvBbMZ b~y Zg mg qi P q Kg mg q bvwuk Avcbv K KL bvb `qv DwPr bq, Z e PvKzixi Pzw³ Z nq Zv AvBbMZ GB bvwukcövwßi mg qi P q ekx mg qi bvwuk `evi K_v D jøl _vk Z cv i GB bvwuk cvevi Kvb AwaKvi hw` AvBb Abyhvqx Avcbvi bv _ K _v K, hgb Avcwb hw` Avcbvi PvKzix`vZvi n q GK gv mii Kg mgq KvR K ib Ges Avcbvi Pzw³ Z Kvb bvwukcövwßi mg qi D jøl bv _ K _v K, ZviciI GKwU Ôhyw³msMZÔ cwigvb mg qi bvwuk Avcbvi cvevi K_v GLb hyw³msmz wk Zv nq Zv Avcbvi ezb cvevi mg qi Dci wbf i Ki Z cv i hgb Avcwb hw` cöwz mßv n ezb cvb Z e Avcwb nq Zv ej Z cv ib GK mßv ni bvwuk hšw³k Ges Avcwb hw` cöwzgv m ezb cvb Z e m ÿ Î GK gv mi bvwuk hšw³k e j Avcwb g b Ki Z cv ib Avwg Mf ezx e j wk Avgvi PvKzix`vZv Avgv K QvUvB K i w` Z cv i? (BWeøDGm) Mf ezx nevi Kvi Y hw` Avcbv K QvUvB K i `qv nq Z e Avcwb Ggcøq g U UªvBeyb v j A Uv gwuk ev Avcbv _ KB Abvh fv e QvUvB Kivi weiæ `vex ev K Bg Rvbv Z cv ib ( Avcwb KZw`b mlv b KvR K i Q Zv `Lv QvovB) Ges wj½ ˆel g i wfwë ZI `vex/ K Bg Rvbv Z cv ib G vgcøq g U UªvBeyb v j Avcbv K GUv `Lv Z ev cögvy Ki Z n e h Avcbv K QvUvB Kivi cöavb KviY n jv Avcbvi Mf ve v GwU Ki Z we klá Kv iv mnvqzv Avcbvi `ikvi Avwg Mf ezx e j wk Avgvi PvKzix`vZv Avgv K QvUvB K i w` Z cv i? (GbAvB) Mf ezx nevi Kvi Y hw` Avcbv K QvUvB K i `qv nq Z e Avcwb Ggcøq g U UªvBeyb v j A Uv gwuk ev Avcbv _ KB Abvh fv e QvUvB Kivi weiæ `vex ev K Bg Rvbv Z cv ib ( Avcwb KZw`b mlv b KvR K i Q Zvi `Lv QvovB) Ges wj½ ˆel g i wfwë ZI `vex/ K Bg Rvbv Z cv ib G vgcøq g U UªvBeyb v j Avcbv K `Lv Z ev cögvy Ki Z n e h Avcbv K QvUvB Kivi cöavb KviY n jv Avcbvi Mf ve v GwU Ki Z we klá Kv iv mnvqzv Avcbvi `ikvi Avwg g b Kwi gwnjv e j Avgv K Kv R elg Kiv n Q Avwg wk Ki Z cvwi? gwnjv Ges cyiæl Dfq KB iÿv Ki Z wj½ ˆel g i weiæ AvBb i q Q h Kvb cÿ _ KB ˆelg Avm Z cv i GwU Kvb mnkgx, Avcbvi wefv Mi mycvifvbrvi, Avcbvi g v brvi ev Avcbvi PvKzix`vZv n Z cv i Avcwb hw` g b K ib Kv R cyiæ li P q Avcbv K Kgfv e `Lv n Q, Z e Avcbvi hz ZvovZvwo m e Gi weiæ c` ÿc bqv DwPr cö_ g Ab mnkgx `i mv _ K_v e j `Lyb h ZvivI GKB ai bi e envi cv Qb wkbv ev Avcbvi mv _ Ab vq AvPi Yi welqwu Zviv jÿ K i Qb wkbv Lyu R ei Kiæb KD Avcbvi cÿ n q `vuov Z ivrx wkbv hw` cv ib, h ev hviv Avcbvi mv _ ˆelg g~jk AvPiY Ki Qb Zv `i GwU eü Ki Z ejyb ev AvbyôvwbKfv e Awf hvm Rvbv eb e j ûuwkqvix w`b Z e Avcwb hw` wbivc` eva K ib Copyright 2002 Citizens Advice All rights reserved Page 5 of 12

Z eb GKgvÎ GwU Kiv DwPr hlb K_v ej eb mv _ GKRb mnkg x ev UªBW BDwbq bi cöwzwbwa _vk j fv jv Avcbvi g v brvi K hv NU Q Zv ejv DwPr wjwlzfv e Rvbvb Ges GKwU Kwc Avcbvi Kv Q ivlyb wj½ ˆelg n Z Avcbv K iÿv Kivi `vwqz Avcbvi PvKzix`vZvi Avi Avcbvi g v brvib hw` Avcbvi weiæ ˆelg ev Avcbv K nqivbx K i _v K Z e ms vi Dc ii w` K Kv iv Kv Q ejyb GB ˆel g i wel q Avcbvi cögvyvw`i R ov Kiv DwPr Gi g a GKwU Wvqix Z me wj L ivlv ev Kvb& mg q, Zvwi L Ges Kvb& RvqMvq N U Q Zvi ikw, wk ejv n q Q ev Kiv n q Q, K K m ú ³ wqj, Kvb cöz ÿ`kx _vk j Ges Ab Kvb mnkgx i mv _ GKB ai bi AvPiY n q _vk j ZvI wj L ivlyb Avcbvi PvB Z cÿcvwzz g~jkfv e hv `i `Lv n Q e j Avcwb g b Ki Qb Zvi bvg Ges c` ikw K i ivlyb, A_ev h bxwz ev AvBb Avcbv K A b i PvB Z Kg myweavrbk Ae vq ivl Q Ges Kb Zv we ÍvwiZfv e wj L ivlyb cwiw wz hw` DbœZ bv nq, BDwbq bi m`m n q _vk j Zv `i mv _ K_v ejyb ev Avcbvi wwcvu g Ui cvm b ji mv _ K_v ejyb Zviv nq Zv GB ˆelg eü Ki Z Avcbv K mvnvh Ki Z cv ib hw` Gi KvbwUB KvR bv K i Z e nq Zv PvKzix`vZvi Kv Q wjwlzfv e Awf hvm DÌvcb Ki Z cv ib Z e hw`i Avcbv K iÿv Ki Z mvnvh Kivi Rb AvBb i q Q, ZviciI GB wel q R b ivlv fv jv h AvbyôvwbKfv e Awf hvm Rvbv j Kv Ri RvqMvq Rxeb Av iv `ywe mn n q DV Z cv i G ZI hw` KvR bv nq Z e PzovšÍ chv q n e G vgcøq g U UªvBeybv j wj½ ˆelg i Kvi Y K Bg ev `vex Rvbv bv Avcbvi nq Zv PvKzix`vZvi Kv Q wjwlz Awf hvm Av M `vwlj Ki Z n e Gwel q mgqmxgv K Vvifv e evuav, ZvB GmsµvšÍ civgk ev Dc `k Av M _ KB wb q wbb wj½ el g i weiæ K Bg Rvbvevi Rb Avcbvi wbw` ó Kvb mgqkvj a i mb PvKzix`vZvi mv _ KvR Ki Z n e e j Kvb eva evakzv bb Avcbv K hw` QvUvB K i `qv nq Z e Abvh fv e QvUvB Kivi weiæ I Avcwb K Bg Ki Z cv ib Avcbv K Avcbvi NUbvwU cögvy Ki Z R e m Kvi Y cögvyvw` RvMvo K i ivlv Lye Riæix Avcwb Avcbvi PvKzix`vZv K GKwU cökœcî cöwµqvi gva g Z_ `evi Rb ej Z cv ib GwU Avcbv K Avcbvi KmwU greyz Ki Z mvnvh Ki e Gwel q mgqmxgv K Vvifv e evuav, ZvB GwU Ki Z Avcbvi civgk ev Dc `k bqv cö qvrb wj½ ˆel g i weiæ G vgcøq g U UªvBeybv j Avcwb ÿwzc~iy wrz Z cv ib Ggb Kvb m e v P mxgv ev cwigvb bb Kv R ˆel g i wkkvi nw Q e j Awf hvm Kivi ci Avgv K jÿ Kiv n q Q, Avwg wk Ki Z cvwi? Avcwb hw` Kvb ˆel g i weiæ Awf hvm Kivi ci g b K ib h Avcbv K GKB KvR Ki Q Ggb mevi PvB Z Avjv`vfv e `Lv n Q- Ab fvlvq ejv h Z cv i Awf hvm Kivi Kvi Y Avcbv K Ôaiv n QÕ Z e G K e j jÿ ev wkkvi niqv wksev wfkwugvb hkb cv_ K n jv Ab mg q ˆelg g~jk AvPiY Kvb wkqzi wfwë Z Kiv nq hgb eqm, cöwzew Z, RvwZMZ cwipq, ag wek vm, wj½ ev hšbwek vm, wkš wfkwugvb hkb ev j ÿ cwiyz niqv n jv Ab me Kvi Y Kv iv mv _ Abvh fv e AvPiY Kiv Awf hvm Rvbv bv, Kv R AvBbMZ AwaKv ii Dci Rvi `qv ev AvB bi g a Copyright 2002 Citizens Advice All rights reserved Page 6 of 12

wm ev hšw³k Ggb wkqz Kivi Kvi Y hw` Avcbv K Abvh fv e `Lv nq Z e mwui GK ai bi wfkwugvb hkb Avcwb hw` ˆel g i wkkvi Ggb Kvb mnkgx i Awf hvm K mg_ b Rvbvb Ges m Kvi Y Ab vq AvPi Yi wkkvi nb Z e G KI wfkwugvb hkb ejv n Z cv i j ÿ cwiyz nevi weiæ Awf hv Mi wel q wk NU Q Zv `L Z Avcwb AvB bi Øvi n Z cv ib, Z e mevi Av M Kv iv mv _ K_v ejv mgmgq fv jv wfkwugvb hkb ev j ÿ cwiyz niqv wvkg Zv wpwýz I cögvy Kiv cövqb `yiƒn n q hvq nq Zv AbvbyôvwbKfv e GwU wgwu q djvb `ªæZZg Dcvq Ges Av jvpbv PjvKvjxb Avcbvi ezb Avcwb c q hv eb ciez x chv q n jv Avcbvi PvKzix`vZvi mv _ Avcbvi Awf hvm jv DÌvcb Kiv GwU Avcwb wjwlzfv e Ki eb G Z mgm vi mgvavb bv n j Avcwb G vgcøq g U UªvBeybv j K Bg Rvbv Z cv ib wfkwugvb hkb hw`b _ K ïiæ n q Q mw`b _ K wzb gvm ch ší mg q G vgcøq g U UªvBeybv j K Bg Rvbvevi mgqmxgv i q Q Avwg g b Kwi Kv R Avgvi weiæ ey elg Kiv n Q Avwg wk Ki Z cvwi? RvwZMZ ev ey wfwëk Kvi Y ˆel g i weiæ AvBb i q Q RvwZMZ KviY jvi g a ey, RvwZ, RvZxqZv, G_wbwmwU ev wfbœms wz Ges g~jrvzxqzv AšÍ f ³ h Kvb cÿ _ KB ˆelg Avm Z cv i GwU Kvb mnkgx, Avcbvi wefv Mi mycvifvbrvi, Avcbvi g v brvi ev Avcbvi PvKzix`vZv n Z cv i ˆelg h B QvK Z Zv cögvy Kivi Kvb cö qvrb bb- ˆelg h N U Q muvb Gi weiæ c` ÿc bevi Rb h _ô Avcwb hw` g b K ib Kvb PvKzix`vZv Avcbvi mv _ Abvh AvPiY Ki Q Z e bevi Rb ek K qkwu c` ÿc i q Q Avcwb hw` g b K ib h Avcbvi ey, RvwZMZ cwipq, RvZxqZv, ms wzmz cwipq ev g~jrvzxqzvi Kvi Y Avcbv K Ab `i PvB Z Kgfv e `Lv n Q Z e Avcbvi Gi weiæ hz ZvovZvwo m e c` ÿc bqv DwPr mevi Av M Avcbvi `L Z n e Ab Kvb mnkg xi GKB ai bi AvPiY cv Qb wkbv ev Avcbvi mv _ Ab vq AvPi Yi welqwu Zviv jÿ K i Qb wkbv Lyu R ei Kiæb KD Avcbvi cÿ n q `vuov Z ivrx wkbv hw` cv ib, h ev hviv Avcbvi mv _ ˆelg g~jk AvPiY Ki Qb Zv `i GwU eü Ki Z ejyb ev AvbyôvwbKfv e Awf hvm Rvbv eb e j ûuwkqvix w`b Z e Avcwb hw` wbivc` eva K ib Z eb GKgvÎ GwU Kiv DwPr hlb K_v ej eb mv _ GKRb mnkg x ev UªBW BDwbq bi cöwzwbwa _vk j fv jv Avcbvi g v brvi K hv NU Q Zv ejv DwPr wjwlzfv e Rvbvb Ges GKwU Kwc Avcbvi Kv Q ivlyb ey ˆelg n Z Avcbv K iÿv Kivi AvBbMZ `vwqz Avcbvi PvKzix`vZvi Avi Avcbvi g v brvib hw` Avcbvi weiæ ˆelg ev Avcbv K nqivbx K i _v K Z e ms vi Dc ii w` K Kv iv Kv Q ejyb GB ˆel g i wel q Avcbvi cögvyvw`i R ov Kiv DwPr Gi g a GKwU Wvqix Z me wj L ivlv ev Kvb& mg q, Zvwi L Ges Kvb& RvqMvq N U Q Zvi ikw, wk ejv n q Q ev Kiv n q Q, K K m ú ³ wqj, Kvb cöz ÿ`kx _vk j Ges Ab Kvb mnkgx i mv _ GKB ai bi AvPiY n q _vk j ZviI cögvy ivlyb Avcbvi PvB Z cÿcvwzz g~jkfv e hv `i `Lv n Q e j Avcwb g b Ki Qb Zvi bvg Ges c` ikw K i ivlyb, A_ev h bxwz ev AvBb Avcbv K A b i PvB Z Kg myweavrbk Ae vq ivl Q Ges Kb Zv we ÍvwiZfv e wj L ivlyb cwiw wz hw` DbœZ bv nq, BDwbq bi m`m n q _vk j Zv `i mv _ K_v ejyb ev Avcbvi wwcvu g Ui cvm b ji mv _ K_v ejyb Zviv nq Zv GB ˆelg eü Ki Z Avcbv K mvnvh Ki Z cv ib Copyright 2002 Citizens Advice All rights reserved Page 7 of 12

hw` Gi KvbwUB KvR bv K i Z e nq Zv PvKzix`vZvi Kv Q wjwlzfv e Awf hvm DÌvcb Ki Z cv ib Z e hw`i Avcbv K iÿv Ki Z mvnvh Kivi Rb AvBb i q Q, ZviciI GB wel q R b ivlv fv jv h AvbyôvwbKfv e Awf hvm Rvbv j Kv Ri RvqMvq Rxeb Av iv `ywe mn n q DV Z cv i G ZI hw` KvR bv nq Z e PzovšÍ chv q n e G vgcøq g U UªvBeybv j ey ˆelg i Kvi Y K Bg ev `vex Rvbv bv Avcbvi nq Zv PvKzix`vZvi Kv Q wjwlz Awf hvm Av M `vwlj Ki Z n e Gwel q mgqmxgv K Vvifv e evuav, ZvB GmsµvšÍ civgk ev Dc `k Av M _ KB wb q wbb ey el g i weiæ K Bg Rvbvevi Rb Avcbvi wbw` ó Kvb mgqkvj a i mb PvKzix`vZvi mv _ KvR Ki Z n e e j Kvb eva evakzv bb Avcbv K hw` QvUvB K i `qv nq Z e Abvh fv e QvUvB Kivi weiæ I Avcwb K Bg Ki Z cv ib Avcbv K Avcbvi NUbvwU cögvy Ki Z R e m Kvi Y cögvyvw` RvMvo K i ivlv Lye Riæix Avcwb Avcbvi PvKzix`vZv K GKwU cökœcî cöwµqvi gva g Z_ `evi Rb ej Z cv ib GwU Avcbv K Avcbvi KmwU greyz Ki Z mvnvh Ki e Gwel q mgqmxgv K Vvifv e evuav, ZvB GwU Ki Z Avcbvi civgk ev Dc `k bqv cö qvrb cöwzeüx `i Rb Kv R wk we kl Kvb myiÿv e e v i q Q? (BWeøDGm) cöwzewü Z i Kvi Y PvKzix`vZvi Kv iv weiæ ˆelg Kiv B KvqvwjwU G v± ev mgzv AvBb 2010 qi Aax b A ea wb qvm `qv, PvKzixi kz, c` bœvwz Ges mg qi Av MB Aemi MÖnY ev QvUvB Kivi ÿ Î GB AvBb cö hvr Z e GLv b wkqz Riæix welq g b ivlv cö qvrb: mivmwi ˆelg Kiv AvB bi weiæ Kvb PvKzix`vZv nq Zv GKRb cöwzeüx e w³ K Kgfv e we epbv Ki Z cv ib hw` Gi c ÿ h _ô hyw³msmz KviY _ K _v K hgb, Kv iv gvivz K wc V e v_v _vk j PvKzix`vZv Zv K Kv c U jvmv bvi Kv Ri Rb evwzj K i w` Z cv ib, KviY Zviv GB Kv Ri Rb hv Kiv cö qvrb m jv Ki Z mÿg n eb bv Avcbvi PvKzix`vZv hw` Avcbvi cöwzew Z wb q Ôhyw³msMZ cwiez b ev gvwb qõ bv wb Z cv ib Z e G K ˆelg ejv hvq Kv iv cöwzewü Z i djvdj wn m e ˆelg NU Z cv i, hgb Kvb Kg x K iv Zi ejvq KvR Kivi `vwqz `qv n jv wkš Zvi wkwbx KvR K i bv Ges iv Z Zv K Wvqvwjwmm Ki Z nq Zv K iv Z KvR Ki Z eva Kivi Kvi Y Zvi weiæ Abvh AvPiY Kiv n e Ges Zvi PvKzix`vZv Gi c ÿ hyw³ Zz j bv ai Z cviv ch ší G K A ea e j we epbv Kiv n e PvKzix`vZv ev Avcbvi mv _ KvR K i Ggb KD hw` Avcbvi cöwzewü Z i Kvi Y Avcbv K nqivbx K i Z e Zv m ú~y A ea hgb cöwzewü Z i mv _ wgwj q Kvb bvg a i WvKv ev Avcbvi cöwzewüz wb q Zvgvkv Kiv B KvqvwjwU G v ±i Aax b c` ÿc bevi Kvi Y ev Ab KvD K c` ÿc wb Z mvnvh Kivi Kvi Y Avcbvi PvKzix`vZv hw` Avcbv K j ÿ cwiyz ev wfkwugvbh K i Z e Zv AvB bi cwicš x Copyright 2002 Citizens Advice All rights reserved Page 8 of 12

Avcwb hw` g b K ib cöwzewüz _vkvi Kvi Y Avcbvi weiæ ˆelg g~jk AvPiY Kiv n Q Z e B KvqvwjwU G vû wndg vb ivbum Kwgk bi mv _ hvmv hvm Kiæb: www.equalityhumanrights.com cöwzeüx `i Rb Kv R wk we kl Kvb myiÿv e e v i q Q? (GbAvB) cöwzewü Z i Kvi Y PvKzix`vZvi Kv iv weiæ ˆelg Kiv B KvqvwjwU G v± ev mgzv AvBb 2010 qi Aax b A ea wb qvm `qv, PvKzixi kz, c` bœvwz Ges mg qi Av MB Aemi MÖnY ev QvUvB Kivi ÿ Î GB AvBb cö hvr Z e GLv b wkqz Riæix welq g b ivlv cö qvrb: mivmwi ˆelg Kiv AvB bi weiæ Kvb PvKzix`vZv nq Zv GKRb cöwzeüx e w³ Z Kgfv e we epbv Ki Z cv ib hw` Gi c ÿ h _ô hyw³msmz KviY _ K _v K hgb, Kv iv gvivz K wc V e v_v _vk j PvKzix`vZv Zv K Kv c U jvmv bvi Kv Ri Rb evwzj K i w` Z cv ib, KviY Zviv GB Kv Ri Rb hv Kiv cö qvrb m jv Ki Z mÿg n eb bv Avcbvi PvKzix`vZv hw` Avcbvi cöwzew Z wb q Ôhyw³msMZ cwiez b ev gvwb qõ bv wb Z cv ib Z e G K ˆelg ejv hvq PvKzix`vZv ev Avcbvi mv _ KvR K i Ggb KD hw` Avcbvi cöwzewü Z i Kvi Y Avcbv K nqivbx K i Z e Zv m ú~y A ea hgb cöwzewü Z i mv _ wgwj q Kvb bvg a i WvKv ev Avcbvi cöwzewüz wb q Zvgvkv Kiv B KvqvwjwU G v ±i Aax b c` ÿc bevi Kvi Y ev Ab KvD K c` ÿc wb Z mvnvh Kivi Kvi Y Avcbvi PvKzix`vZv hw` Avcbv K j ÿ cwiyz ev wfkwugvbh K i Z e Zv AvB bi cwicš x Avcwb hw` g b K ib cöwzewüz _vkvi Kvi Y Avcbvi weiæ ˆelg g~jk AvPiY Kiv n Q Z e B KvqvwjwU G vû wndg vb ivbum Kwgk bi mv _ hvmv hvm Kiæb: www.equalityhumanrights.com. Avwg g b Kwi Avgvi ag wek v mi Kvi Y Avgv K Kv R Ab vh fv e `Lv nq, GwU wk ˆea? Avwg Bû`x ag vej ^x Ges kxzkv j ïµevi `ycy ii ci Avgv K KvR _ K QzwU wb Z n e KviY AÜKvi nevi Av MB Avgv K evox Z wdi Z Ges m vev _i Rb ˆZix n Z n e GB gyn~ Z Avgvi em Avgv K ïµev ii `ycy ii c ib QywU w` Qb Ges mßv ni Ab w`b evowz KvR K i Avwg mb mgq cy i w`w Q wkš GLb wzwb GKwU bzzb wkdu Pvjy Kivi K_v fve Qb hvi d j Avwg Avi Av Mi g Zv Ki Z cvi ev bv wzwb wk GwU Ki Z cv ib? Kv Ri ÿ Î KvD K Zvi ag wek v mi Kvi Y ˆelg Kiv AvB bi cwicš x ZvB Avcbvi PvKzix`vZv hw` bzzb Kvb wkdu Pvjy Ki Z hvb hv Avcbvi a g i Kvi Y Kiv Avcbvi c ÿ KwVb Z e ag wek v mi wfwë Z Avcbv K nq Zv c ivÿfv e ˆelg Kiv n Q Avcbvi PvKzix`vZv K `Lv Z n e Kb ïµevi `ycy ii ci KvR Avcbv K Ki ZB n e Avcbvi KvR hyw³msmzfv e Ab Kvb mg q Kiv hv Q bv GwU hw` wzwb `Lv Z mÿg bv nb Z e Zvi GB AvPiY K a g i wfwë Z ˆelg g~jk e j aiv hvq Copyright 2002 Citizens Advice All rights reserved Page 9 of 12

Avcwb hw` g b K ib ag wek v mi Kvi Y Avcbvi weiæ ˆelg g~jk AvPiY Kiv n Q Z e B KvqvwjwU G vû wndg vb ivbum Kwgk bi mv _ hvmv hvm Kiæb: www.equalityhumanrights.com. DËi Avqvij v Û B KvqvwjwU Kwgk bi mv _ hvmv hvm Kiæb: www.equalityni.org. Avwg Kv R nqivbxi wkkvi nw Q KviY Avgvi mnkgx iv g b K i Avwg mgkvgx Avwg wk Ki Z cvwi? Avgv K Kv R wewfbœ bvg a i WvKv nq Ges Avgvi mnkgx iv Avgv K wb q iwmkzv ev wur K i KviY Zviv g b K i Avwg mgkvgx Avwg Avgvi e mi mv _ G wb q K_v e jwq wkš wzwb wkqzb K ibwb, eis ej Qb Iiv ïay GKUz grv Ki Q Ges Avgvi Lye iæ Z i mv _ GwU bqv DwPr bq Avwg wk Ki Z cvwi? Kv Ri RvqMvq Gai bi Kvb e envi hv GKRb gvbyl K g bvkó w` Z cv i Zv nqivbx wn m e `Lv hvq PvKzix`vZviv Zv `i Kgx `i AvPiY ev e env ii Rb `vqx, GKB mv _ Kg xiv GKRb e w³ wn m e mnkgx `i cöwz Zv `i AvPi Yi Rb `vqx Avcwb hw` nqivbxi wkkvi nb Z e Avcbvi PvKzix`vZv nq Zv Gi Rb `vqx _vk eb hw` bv wzwb `Lvb cv ib h GwU eü Ki Z wzwb cö qvrbxq c` ÿc wb qwq jb Kg x `i jmweqvb ev mgkvgx gwnjv, M ev mgkvgx cyiæl ev DfKvgx wn m e g b Kivq Zv `i cöwz ˆelg Kiv ev nqivbx Kiv AvB bi cwicš x, Zv Zviv mwz mwz B jmweqvb, M ev DfKvgx nvb ev bv nvb Avcbvi em h nzz Avcbvi GB D ØM iæ Z i mv _ wb Qb bv, Avcwb nq Zv Zvi Kv Q Awf hvm DÌvcb Ki Z cv ib GwU wjwlzfv e Kiv DwPr Ges ZwiLmn mb Ki Z n e Avcwb hw` G vgcøq g U UªvBeybv j ˆel g i Kvi Y K Bg Ki Z Pvb Z e Zvi Av M Avcbv K wjwlz Awf hvm `vwlj Ki Z n e Avgvi Kv Ri Pzw³ Z ejv i q Q h Avgv K 60 eqi eq m Aemi wb Z n e Zviv wk Avgv K Aemi wb Z eva Ki Z cv i? AemiMÖn Yi Kvb mvaviy eqmmxgv GLb Avi bb Avcbvi Pzw³ Z hw` ejv _v K Avcbv K GKwU wbw` ó eq m Aemi MÖnY Ki Z n e Z e Avcwb mb wbw` ó eq m cšuqvi ci hw` Avcbvi PvKzix`vZv Zv `i c ÿ hyw³ w` Z cv ib Z eb Avcbv K AemiMÖn Y eva Ki Z cvi eb Zviv hw` hyw³ bv w` Z cv ib Z e G K eq mi cöwz ˆel gg~jk AvPiY Ges Abvh fv e PvKzixPzwZ wn m e a i bqv h Z cv i Ges Avcbvi G wel q Av iv civgk bqv DwPr hgb Avcbvi KvR hw` kvixwik kw³ e envi Kivi g Zv Kvb PvKzix nq Ges Avcbvi PvKzix`vZv KD 60 eqi eq m cšuq jb AemiMÖnY Kiv Z Pvb, Z e Zv `i K Gi c ÿ hyw³ Zz j ai Z n e Zv bv n j GwU eq mi cöwz ˆelg g~jk e j a i bqv n e Zviv hw` `Lv Z cv ib h 60 eq ii Dc i KvD K ivl j Zv `i e emvi Rb mgm v m wó Ki e Z e G K nq Zv Avi eq mi cöwz elg ejv hv e bv Z e, Avcbv K 5B GwcÖj 2011 mv ji Av M Aemi MÖnY Kivevi Kvb c` ÿc hw` bqv nq Ges Avcbvi PvKzix`vZvi mv _ Avcwb PvKzix Z BwZ Uvbvi GKwU Zvwi Li wel q GKgZ nb Z e Zviv Avcbv K GiciI 65 eq i Aemi wb Z eva Ki Z cv ib Gi KviY n jv Avcbvi PvKzix`vZv wwdë wiuvqvi g U cöwmwwdi AbymiY Ki Z cv ib Z e hviv 6B GwcÖj 2011 Zvwi L ev Gi c i Aemi bevi cwikíbv Ki Qb Zv `i Rb GB cöwmwwdi ev cöwµqv ejez& _vk e bv Copyright 2002 Citizens Advice All rights reserved Page 10 of 12

Avcwb hw` g b K ib Avcbv K Rvi K i Aemi MÖn Y eva Kiv n Q Z e Ges Avcwb hw` UªBW BDwbq bi m`m nb Z e Avcbvi BDwbq bi mv _ PvKzix`vZvi mv _ Av jvpbv wkfv e Ki Z n e Zv wb q K_v ejyb A_ev AwfÁ Kvb civgk `vzv/dc `óvi mv _ K_v ejyb Avwg GKwU Kv Ri Rb Av e`b K iwq Ges d g Avgvi Rb ZvwiL Rvb Z PvIqv n q Q Avgvi wk GwU w` ZB n e? Avgvi AvksKv Avgvi eqm KZ Zv Rvb j cöwzôvbwu Avgvi Av e`b we epbv Ki e bv hw`i eq mi wfwë Z KvD K ˆelg Kiv eü Ki Z AvBb i q Q ZviciI Av e`b d g Avcbvi Rb ZvwiL Rvb Z PvIqv _ K Kg cöwzôvb K weiz Kiv hv e bv wkš Avcwb hw` PvKzixwU bv cvb Ges g b K ib Avcbvi eq mi Kvi Y Avcbv K `qv nqwb Z e eq mi wfwë Z Avcbvi mv _ ˆelg Kiv n q Q e j m ve cögv Yi g a Avcbvi Rb ZvwiL h Rvb Z PvIqv n qwqj Zv w` Z cv ib, hwu ˆelg msµvší AvB bi evb i Avcwb nq Zv ÿwzc~i Yi Rb `vex Rvbv Z cv ib Avwg Kv R LyeB Pv ci g a i qwq, Avgvi PvKzix`vZvi wk G wel q wkqz Kiv DwPr? Avcbvi kvixwik ^v mn gvbwmk fv jvg `i w` KI `Lv kvbv Kivi AvBbMZ `vwqz i q Q Avcbvi PvKzix`vZvi Z e Avcbvi PvKzix`vZviI mvaviyz GwU a i bevi AwaKvi i q Q h cöwzw`bkvi Kv Ri Pv ci mv _ Avcwb gvwb q wb Z mÿg hw` Avcwb g b K ib h KvR wb q Avcwb Pv ci g a i q Qb Ges m ez Avcbvi Kv Ri cwigvb e w K i `evi Kvi Y Pvc Abyfe Ki Qb Z e Avcbvi PvKzix`vZv K Zv ejv LyeB Riæix G wel q wkqz GKUv Kivi my hvm ZLb Zviv cv eb GwU Kiv we klfv e Riæix hw` Kv Ri Pv ci Kvi Y Avcbv K KL bv wmk wjf ev Amȳ Zvi Rb QzwU wb Z nq Avcbvi PvKzix`vZv hw` Avcbvi Kv Ri Pvc Kwg q bevi Rb wkqz bv K ib Z e Zv `i weiæ AvBbMZ c` ÿc bevi AwaKvi nq Zv Avcbvi i q Q hgb Avcwb hw` Kv Ri Pv ci mv _ m úwk Z Kvb gvbwmk Amȳ Zvq fv Mb Z e Avcbvi PvKzix`vZvi KvQ _ K ÿwzc~iy cvevi AwaKvi Avcbvi Av Q Kv Ri RvqMvq Pvc m úwk Z Av iv Z_ cv eb www.workstress.net I qemvb U Avgvi Acivag~jK Kvb ikw _vk j wk welqwu PvKzix`vZv `i Rvbv ZB n e? Avwg hlb Kg eqmx wqjvg ZLb cywjkx Sv gjvq Rwo q c owqjvg Avwg GLb Kv Ri Rb Av e`b KiwQ Ges Avgvi fq Avgvi Awfhy³Zvi Kvi Y Avwg KvR cv ev bv Avgvi wk GB Aciva msµvší welqwu PvKzix`vZv `i Rvbv ZB n e? (ïaygvî Bsj vû, I qjm Ges Uj vû) GB Z_ Avcbv K w` Z n e wkbv Zv Avcbvi h mvrv n qwqj Zvi gqv` I aib Ges Avcwb wk ai bi Kv Ri Rb Av e`b Ki Qb Zvi Dci wbf i K i Avcbv K hw` PvKzix`vZv Aciva msµvší ik W i K_v wrávl K i Z e AvovB eq ii Dc i h Kvb Kviv` Ûi (ev mgvb gqv `i Bqy_ ww Ubkb ev Kv ww) K_v Avcbv K D jøl Ki ZB n e mvm cû ev wmz wksev AvswkK wmz niqv mvrvi ÿ ÎI GB AvBb cö hvr Avcwb hw` Ggb Kvb Kv Ri Rb Av e`b K i _v Kb hlv b wkï ev bvryk Ae vq _vkv cövßeq i mv _ KvR Ki Z n e Z e Kvb Aciv a Awfhy³ _vk j Zv Avcbv K Aek B Rvbv Z n e hgb Avcwb hw` cov Z Pvb wksev ^v mev wefv M, PvBì gvbûvi wn m e ev mvk vj IqvKv i wn m e KvR Ki Z Pvb Copyright 2002 Citizens Advice All rights reserved Page 11 of 12

Z e Avcwb hw` wkï ev bvryk Ae vq _vkv cövßeq `i mv _ KvR bv K ib Zvn j Ggb wkqz Aciva i q Q h jv wbw` ó mgq cvi n q hvevi c i Avi Rvbv Z n e bv Avcbvi Awfhy³Zv hw` GB K vuvmwi Z c o _v K Z e G K mvrv LvUv n q M Q ev ú U wn m e fvev n e Ges Avcbvi PvKzix`vZv Aciva msµvší ikw wb q mivmwi Rvb Z PvB ji Avcbv K GwU Rvbv Z n e bv wbw` ó GB gqv`kvj win vwewj Ukb ev cybe vmb mgq e j cwiwpz Ges Awfhy³Zvi ZvwiL _ K GwU ïiæ nq cybe vm bi gqv`kvj wbf i K i Avcbv K KZw` bi kvw Í ev mvrv `qv n q Q, wk ai bi Aciva K iwq jb Zvi Dci bq Kvb Kvb Aciv ai ÿ Î cybe vmb gqv` Ab jvi PvB Z ZvovZvwo LvUv nq cybe vmb ev win vwewj Ukb gqv `i wel q Av iv Z _ i Rb, Bsj vû Ges I qj m GbGwmAviI, Aciva Kwg q Avbv welqk P vwiwui I qepvb U hvb: www.nacro.org.uk [http://www.nacro.org.uk/data/files/nacro-2005020105-194.pdf] Bsj vû Ges I qj m Avcwb AbjvBb K vjkz juii e envi Ki Z cv ib www.disclosurecalculator.org.uk wvkvbvq, [http://www.disclosurecalculator.org.uk/] Gi gva g Avcwb wnmve K i ei Ki Z cvi eb h Avcbvi Aciv ai ikw ú U ev LvUv n q wm q Q wkbv Uj v Û cybe vmb ev win vwewj Ukb gqv `i wel q Av iv Z _ i Rb, G v c Uj v Ûi I qemvb U hvb, GB ms vwu Acivax Ges cöv³b Acivax `i Rb PvKzixi my hvm e w Ki Z KvR K i: www.apexscotalnd.org.uk [www.apexscotland.org.uk/rehabact_extended.pdf] Bsj vû Ges I qj m wkï Ges bvryk Ae vq i q Qb Ggb cövßeq `i mv _ KvR Ki Z M j Aciva ikw Rvbv bv wb q Z _ i Rb wµwgbvj ikw eÿ ivi I qemvb U hvb: www.crb.homeoffice.gov.uk [https://www.gov.uk/crb-criminal-records-bureaucheck] Uj v Û I qemvbu Ad wwr K vrvi hvb www.disclosurescotland.co.uk wvkvbvq Avcwb hw` wwr K vrvi Ges iqvwis mvwf m mvu wd KU (wwwegm) Kvb Z_ P v jä Rvbv Z Pvb Z e www.gov.uk I qemvb U wm q wjs K https://www.gov.uk/disclosure-barring-servicecheck/appeals-and-disputes wk K Kiæb mvwu wd KU Bmÿ Kivi wzbgv mi g a GwU Kiv DwPr Uj v Û www.disclosurescotland.co.uk I qemvb U h q http://www.disclosurescotland.co.uk/understanding/dispute/more/ wjs K wk K Kiæb Copyright 2002 Citizens Advice All rights reserved Page 12 of 12