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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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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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Redundancy pools and scoring


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Hi

 

I work in customer service role and have been recently told that I will be made redundant.

 

I have a problem with the scoring and need some advice.

 

The customer service department is made up if two areas. The first which is the main area, which covers nearly all of the companies products, is manned by people who have been in the company for a while and have loads of experience and have picked up a wide range of technical kwowledge over the years.

 

The second area was newly formed about a year ago after acquisition to look after a separate product and after people from the existing area had supported this product for a while, new people were taken on to work in this area and the existing people were transferred back into the main area.

 

The people in both areas are in the same pool for selection and both areas are going to retained.1 person is to go from the new area and 5 from the other

 

Now, the issue.

 

In terms of technical ability the new people in the new area have been scored higher than most of the people in the main area including the ones who supported the new product.

 

It looks like these people have been scored using different competencies within the technical ability selection criteria, competencies that relate to the persons specific role.

 

Is this fair?

 

Surely all members of the pool have to be scored using identical competencies within this criteria as it is a measurement of knowledge of tools and processes that are required to do the customer service role.

 

Thanks in advance.

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It looks like these people have been scored using different competencies within the technical ability selection criteria, competencies that relate to the persons specific role.

 

Is this fair?

 

Welcome to CAG simj. No this would not be fair....

Surely all members of the pool have to be scored using identical competencies within this criteria

 

...and this is why. If the jobs are deemed identical for red pooling, then the same objective criteria should be applied across the pool.

 

Members of the pool should have been consulted about proposed scoring criteria. Did this happen?

 

Have you been shown your score relative to other members of the pool?

 

Why do you suspect that different criteria have been applied to some pool members? If this has happened and your employer cannot justify that the two roles were objectively different from each other, then this alone could make any eventual dismissal unfair.

 

How long have you worked there?

 

Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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Thanks for your response Elche.

 

There are many redundancies being made in our department and there are multiple pools, a representative was appointed to represent all of the pools in meetings with management to agree selection criteria.

 

I have seen my scores.

 

I think the two roles probably could be seen as being objectively different as the new area was a newly created area for a new product.

 

However I have worked in both the new and existing area and my overall technical skill level is higher than the new people due to the time I have worked at the company. Similar technical skills are required for both areas.

 

I have worked there for about 12 years

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There are many redundancies being made in our department and there are multiple pools,

 

It would be perfectly legitimate to apply different criteria to two different pools of at risk employees - provided of course that the criteria are different for an objective reason.

 

This obviously relates to the fact that they were pooled separately in the first place, there must be differences between the two jobs, and thus these differences could lead to different selection criteria being used.

 

If you feel the scores were unfair, you should appeal any redundancy on this basis.

 

Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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Thanks Elche.

 

I think my last post may have confused things.

 

My query relates to the pool that I am in. It contains people from the old area and also those from the new area that was created to support a new product.

 

The only people who can support the new product are the new people and those of us from the main area who supported it before the new people came in.

 

Technically the new product requires the same skills that all the other products require, it`s only the product knowledge that sets it apart from the products supported in the main area.

 

So, can they use different competencies to measure technical ability for two roles in the same pool which are only set apart due to lack of product knowledge within the main area due to the decision to have a new area for the new product even when the competencies required to support all of the company`s products, including the new product, is the same.

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So, can they use different competencies to measure technical ability for two roles in the same pool which are only set apart due to lack of product knowledge within the main area due to the decision to have a new area for the new product even when the competencies required to support all of the company`s products, including the new product, is the same.

 

No they should not do this. As I said earlier, "It would be perfectly legitimate to apply different criteria to two different pools of at risk employees - provided of course that the criteria are different for an objective reason.

 

This obviously relates to the fact that they were pooled separately in the first place, there must be differences between the two jobs, and thus these differences could lead to different selection criteria being used."

 

Thus the converse is also true, if you are pooled, this should be because the roles are sufficiently similar / the same. Certainly normal practice would be to apply the same selection criteria (SC) to the whole pool.

 

I think that if there were an objective reason to apply a different SC to some in the pool, then one one wonders if those people should have been pooled together in first place.

 

As I said earlier you should appeal any decision and ensure in any minutes of consultation meetings at which the SC and scores are discussed, you make your concerns clear

 

Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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By the way, where are the scales I need to tip.

 

Bottom left in between the red triangle and the globe (thing)!

 

Good luck

 

Che

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...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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