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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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C M Discussion at ET Leeds for disability discrimination (by association with a disabled person)


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Hi i'm looking for advice on a case management discussion that is listed for January.

 

my case is for disability discrimination (by association with a disabled person - the 'person' being my daughter) and that discrimination being my (unfair) dismissal and i will be seeking agrivated damages, loss of pay, loss of pay in lieu of notice and wrongfull deduction of monies from final salary.

my case is similar to the recent sharon coleman ruling at the european courts of justice and the ruling by the ET london south that assocative discrimination must be ruled under the DDA.

 

as i am having to represent myself as these 'cases' are too new - mine is the first to reach case management discussion in uk and no solicitors will take my case

 

question: what will i need at the CMD and how should i list what my claim is - any advice or templates available.

Thanks for any help or advice

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Case management discussion

 

In most discrimination claims, an employment tribunal will hold a case management discussion (CMD). This involves calling the two sides together to discuss what the key issues are and how the case will proceed.

At the CMD, the employment tribunal chairman may want to do the following:

 

  • Clarify what the parties (you and the employer) agree on and what is disputed.
  • Clarify whether the parties need further evidence through additional information, written answers and/or disclosure (in England & Wales). There is no formal disclosure process in Scotland.
  • Give directions or make orders for additional information, written answers and disclosure (in England & Wales). There is no formal disclosure process in Scotland.
  • Give directions or make orders about medical evidence on the issue of disability, for example, telling the parties to get a joint medical report.
  • Decide whether a pre-hearing review (PHR).
  • Agree a date for the main hearing (make sure you take a list of any dates on which you are unavailable with you).
  • Clarify how many witnesses the parties intend to call.
  • Determine how long the hearing will be.
  • Decide a timetable for when witness statements have to be exchanged (in England & Wales). In Scotland witness statements are not exchanged and are not normally used as evidence at hearings.
  • Decide the arrangements and timescale for an agreed bundle of documents (containing both parties’ evidence) to be exchanged before the main hearing.

CMDs are heard by a chairman sitting alone. The CMD will not consider the merits of your case (that is, whether it should win or lose) or hear any evidence. That happens at any PHR and the main hearing.

If the parties are legally represented, CMDs are often held by telephone, with the parties’ representatives and the chairman using a shared telephone link. You can sit in on the telephone conference if you want.

 

 

Source: The employment tribunal process

 

What steps have you taken so far on this matter? In particular, have you served a statutory questionairre or anything?

 

SV

If I've been helpful, please add to my rep. :)

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Hi

yes have been intouch with Lucy McLynn who is representing Sharon Coleman, but due to amount of wirk they have / are having with the european courts and also with the pre hearing ET at london south, they are unable to represent me due to shear work load. Mrs McLynn is being as helpfull as she can and is copying me the outcomes of the cases as they are published. Unfortunately Leeds ET have placed my CDM before Sharon Colemans so i am now 1st in UK to persue this to CDM (Sharon Colemans CDM is still to be set as she has just passed pre hearing review stage)-

 

my CDM is now set for 19th Jan so time running out for help with still no solicitors willing to help (without significant bonds of up to £2500 which i don't have). i Know the very basics and i know i am right in persuing this as the company were quite happoy with me untill the found out i have a disabled daughter then they decided that the hospital visits may interfere with my work and would not allow any flexibility in my working hours (not that i had asked for any).

 

to show my ignorance - whats a statutory questionairre?

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Hi,

Thanks Seftonview, having now seen the questionairre i did send something similar which was given to me by the CAB, but at that time the DDA was not considered to cover parents of a disabled child ie discrimination by association - as such i did not recieve a reply other than you are not disableed so do not 'qualify' as being disabled as described by the DDA.

 

The Employment Tribunal (London South) only stated that it could consider discrimination by association due to the ruling of the European courts of Justice on 25th November 2008

in so much as the DDA can only now be read as

"a disabled person or a person associated with a disabled person whom he employs" the ET also states that their ruling shall apply to ALL cases of disability discrimination from Oct 2004

 

with this in mind all current forms etc still read as a person with dissability

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have now heard from Lucy McLynn at Bates wells & Braithwaite - their Pro Bono work for 2009 is fully booked with the Sharon Coleman case and Lucy herself is on maternity leave.

Looks like i'll have to go to the ET alone.

 

Any ideas on how to prepare my case for the CMD or how to present it - i know it wont be a 'hearing' as such just to give the judge details of what exactly my claim is but how do you present this info

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  • 2 weeks later...

new twist to the story

 

while seeking advice (still not found anyone to act for me) a HR advisor asked if they had followed the Statutory Dismissal Procedures !!!

 

looking through this, i can now show that my former employer did not follow any of the 3 mandatory steps of the SDP and in fact advised in writing that they refused to hear any appeal against my dismissal - as such i believe i can now claim automatic unfair dissmissal attached to the disability discrimination -

 

question:

do i outline this at the CMD or wait till the hearing?

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Have you tried contacting some of the Law Schools? they sometimes are able to offer representation as part of their student's training. Where abouts in the country are you? I notice you say West Yorkshire - it may be an idea to contact the University of Leeds Law School School of Law - Home Page and see if they can offer this service.

 

As your case is not a standard one, it may prove interesting for them.

 

Ell-enn

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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