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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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13 year old son assaulted by 30 year old man


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Guest Gordons Barking

Seems to me that a couple of inexperienced chimps challenged the authority of a larger an older chimp and did not run away fast enough. There has to be some order to life or you will have young chimps running riot. Another ridiculous case of precious parents messing up someone else's life because they has not trained or supervised their children properly.

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not sure if you referring to my situation gordon as the OP or the subsequent posts by ..

my son was minding his own business,another two lads were throwing a bag at each other and it went on this guys garden. my son did nothing,verified by the other lads who were throwing this bag at each other, and did not deserve the beating he got.. no justification in the guys actions .. end of story:mad:.. my son still has cuts and bruises one week on and wont walk up this street.. the guy only lives around the corner and my son is worried it will happen again.. how can that be right???....nothing to do with being a precious parent... my son has manners and respects other peoples property... and has never been in any trouble with police or neighbours etc.. i have made sure of that and ensured he has appropriate discipline and good values

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Guest Gordons Barking

Well OK then your son got the wrong end of things perhaps, still holds that trouble can not be neatly confined when it happens, the fault is with the two fighting boys for challenging the older chimp causing him to run wild. A caution seems OK to me in this situation, after all who knows exactly what occured and no permanent damage was done. All teenage boys need that sort of experience to know what the boundaries are. He knows the world is a dangerous place now. Really this is trivial compared to what might happen in the majority of cultures. How many people are badly beaten by their family a lot more than by strangers I am sure.

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who knows exactly what occurred

this is exactly what occurred

a 30 year old male assaulted a 13 year old child with crook lock and flung him him over a wall

(a caution) not for a serious asault on a minor and thats exactly what it is

 

if it was my son i would have demanded they do there job by charging him with serious assault on a minor and belive me all hell would have broke loose untill they charged him

even if if ment going to the police staition every day and sitting there till the chief of police explained why that male was not charged and demand they charge him and i would be asking my m p the same questions every day all day

 

regardless of if/or what that child did/didnt do if it had been his father who had done that to him do you think he would have got a caution :?:

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Well OK then your son got the wrong end of things perhaps, still holds that trouble can not be neatly confined when it happens, the fault is with the two fighting boys for challenging the older chimp causing him to run wild. A caution seems OK to me in this situation, after all who knows exactly what occured and no permanent damage was done. All teenage boys need that sort of experience to know what the boundaries are. He knows the world is a dangerous place now. Really this is trivial compared to what might happen in the majority of cultures. How many people are badly beaten by their family a lot more than by strangers I am sure.

 

but knowing the boundaries applies to adults also..more so in fact as we all have the life experience that teenagers, boys or girls, dont have.this guy overstepped the boundaries of reasonable behaviour..... irrespective of the cause or provocation...assault is assault

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................However you can do something ...........You can institute a civil claim for damages to include damaged clothing..............and personal injury to include the stress of being threatened by an adult

 

how do i arrive at figure for personal injury for the POC?, some suggestiosn for the wording of the POC would also be appreciated

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Well OK then your son got the wrong end of things perhaps, still holds that trouble can not be neatly confined when it happens, the fault is with the two fighting boys for challenging the older chimp causing him to run wild. A caution seems OK to me in this situation, after all who knows exactly what occured and no permanent damage was done. All teenage boys need that sort of experience to know what the boundaries are. He knows the world is a dangerous place now. Really this is trivial compared to what might happen in the majority of cultures. How many people are badly beaten by their family a lot more than by strangers I am sure.

 

to paraphrase "Teenagers 'need' a beating now & again even if innocent" What complete & utter rollocks:mad:

 

Even if the kid did throw the bag into the garden that does not excuse his being beaten by an adult. If it had been my kid I would have taken a lump of 2x4 & given the bully a thumping he wouldn't forget........ever

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but knowing the boundaries applies to adults also..more so in fact as we all have the life experience that teenagers, boys or girls, dont have.this guy overstepped the boundaries of reasonable behaviour..... irrespective of the cause or provocation...assault is assault

 

 

Quite One can have some sympathy for an adult driven to give a kid a quick slap but to beat the kid up with a heavy crook lock to the extent he still has cuts & bruising is not only OTT but shows intent in that he must have sort it out before confronting the kid

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Police use the caution system to avoid having to do any real work. Less paperwork.

 

As has been mooted above lodge a claim in the County Court. Do you have the miscreant's details?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Without in any way condoning what happened think very carefully before taking civil action.

Devils advocate:

One of the boys has admitted being the culprit so something happened to provoke this adult. He will argue that at worst he slightly over reacted to extreme provocation from a gang. You will require evidence from children in the absense of any adult witnesses. As an adult his testomy will be far more articulate than any of the boys. If,as likely,he's represented his lawyer will get all the boys contradicting one another. That he got 'only' a caution from the police will influence the court.

In your deliberations try to be as disspationate as possible as I would hate to see you pursue a case which may result in the defendant receiving no more than a financial slap on the wrist thereby compounding your anger.

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The guy repeatedly hit a 13 year old with a crook-lock which is a heavy weapon & left visible injuries so it doesn't matter what the kid did or didn't do there's no justification & the fact that he did accept a caution will go against him. You don't get a caution because the crime is considered slight you get it because it save time & money

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Police use the caution system to avoid having to do any real work. Less paperwork.

 

As has been mooted above lodge a claim in the County Court. Do you have the miscreant's details?

 

 

i have his address but no otherdetails as yet, and the crime reference number from the police,

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