Could you help me?
1) Do you use the present perfect or the simple past in this sentence? "I've read and I've been told /I read and I was told that you shouldn't say say theses words in the workplace, and (THAT) you should behave properly."
And would you omit the second that?
Do you say a car finance contract or a car financing contract? And isn't odd to say "I crashed my car and I am still up to the fourth installment on it." .. Is it odd? "Up to the fourth installment on it"?