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    • Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • Thank you fkofilee First question: what do I do if Monzo close my account? I need an account but no one will touch me with this marker against me. Is there anywhere/any other option that I have if Monzo close my account? MCB is My Community Bank?  Yes What Category of Marker do you have? This is what it says on the Cifas SAR: Application date: 07 December 2023 Date recorded: 09 April 2024 Expiry date: 09 April 2030 Cifas Case Identifier: 15435315 Product relating to the application, proposal, account or facility: Personal Loan – Unsecured Facility: Granted Case type: Misuse of facility Reason(s) for filing: Evasion of payment Financial Loss Value of Loss: £5000.00 When did you raise the complaint? Last night via email Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan? I can prove that I had to buy a new washing machine, I have my pay slips showing the emergency tax code and a letter from the tax office after I had spoken with them to get it corrected and of course I can get a copy of my vet bill. And all of this was in the first 2-3 months of 2024.  I panicked. Stupid I know and as you say, I have learned the hard way and I am not in any way denying anything that I have done wrong, but it just feels a bit unfair.  It is what it is I guess and if I have to have it on me forever then so be it. I am just so worried about the bank situation 😕    
    • If it is MCB    National Fraud Database Members | Preventing Fraud Losses | Cifas WWW.CIFAS.ORG.UK A range of organisations use the National Fraud Database to share data on confirmed fraud cases, preventing over £1 billion in fraud losses every year.   They are on the register  
    • Hi @LilMissM   I guess you could call me our resident CIFAS Specialist - Personally have been through all of what you have and now have come out the other side when my marker fell off in May 2023. For a start Monzo may close your account but as I had a Marker for App Fraud (Vodafone ended up making a whole hoohah of the account I had with them) - I was with them and still am from Oct 2017 till today. And not once did they close my account. I actually spoke to a couple of current account providers at the time that I had accounts with - Nationwide and Barclays - Told them what was going on and provided all the evidence to them. They advised they may do so but it was highly unlikely now that they understood why it happened and what I was doing to fight it.    Anyway - On to your marker. MCB is My Community Bank?  I can say to you that on experience that On Monday you can be on top of the world then on Tuesday you whole life changes in a flash of an eye. Suddenly you cant pay your bills, Work isnt feasible and you are left with no other choice but to scrape by.  If this has happened to you, then join the club.  - Why is this important? Well Financial institutions get one whiff of potential fraud and you are guilty without a chance to respond. You found out the hard way   If it sounds like I'm waffling, I'm not - Its important to your issue. They have deemed you guilty by the fact that no payments have been made and potentially entered into a loan agreement knowing looking not to pay (Although thats how it may appear, there will always be factors against that)    First off - Questions - What Category of Marker do you have? If unsure, check my signature for a Credit File Guide which will tell you all you need to know about what Categories apply.  - When did you raise the complaint? They will have 8 weeks to respond. More on this in a mo.  - Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan?   My next suggestions, Send this complaint to the CEOs office - CEOEMAIL.COM Let them make the decision as per the Complaint Procedure. Then if they refuse to remove the marker. take it to the FOS who can force the company to remove it if found in favour.  Some companies do need a slap or 2 once in a while to bring them down a peg. You could be looking at this right now.   
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gross misconduct /leaving premises


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hello my name is darren one day last week at work i had a disagrement with my team leader, one thing led to another and he swore at me and told me to go home so i clocked out and left the premises. this week i am in an disciplinary for leaving the premises without permission which in the hand book is gross misconduct surely leaving the premisses without permission is ie going off site whilst still clocked in please helpppp:-(:-x:x

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Your team leader requested you to leave the premises... did you leave straight away or did you cool down prior to do so?

---Aut viam inveniam aut faciam---

 

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Your team leader requested you to leave the premises... did you leave straight away or did you cool down prior to do so?

i left the premises straight away i felt upset that this had happende plus there where three witnesses that said he swore and said leave the premises

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That should be brought before the investigatory panel... In the meantime, it would be beneficial to ask those three witnesses to prepare a statement relating the facts...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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That should be brought before the investigatory panel... In the meantime, it would be beneficial to ask those three witnesses to prepare a statement relating the facts...

i have copies of statements which all include ausive language plus the team leaders statement states he swore at me .

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Well, if you have this there is nothing to worry about.

 

From a practical point of view I would make a formal complaint / grievance about the team leader's conduct.

 

I'm sure the end result would be for both matters to be dropped and move on.

PLEASE NOTE:

 

I limit myself to responding to threads where I feel I have enough knowledge to make a useful contribution. My advice (and indeed any advice on this type of forum) should only be seen as a pointer to something you may wish to investigate further. Never act on any forum advice without confirmation from an accountable source.

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Well, if you have this there is nothing to worry about.

 

From a practical point of view I would make a formal complaint / grievance about the team leader's conduct.

 

I'm sure the end result would be for both matters to be dropped and move on.

i have my disciplinary today can i use adictaphone in the room

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What I mean is, if they were to ask you to leave the room while they discussed something, you shouldn't leave a recorder in the room. You can only record a conversation you are party to.
do i have to introduce who is in the room when recording
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No, you have to state you are recording otherwise that will be a case for dismissal. You can't use a recording in court if you haven't said you are recording.

Well, in circumstances where someone is dismissed following a hearing, that wouldn't matter. What's the employer going to do, dismiss them twice?

I'm pretty sure covert recordings are admissable at ET, if they're relevant.

One can transcribe them, and say that the recording was to aid your notes.

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No, you have to state you are recording otherwise that will be a case for dismissal. You can't use a recording in court if you haven't said you are recording.

 

Your second sentence is completely wrong and the first one may well be too!

 

It is NOT illegal to secretly record a conversation YOU ARE PARTY TO. Leaving the recorder running when you are out of the room is more questionable.

 

There are plenty of cases where courts and ETs have accepted such recordings.

 

The first point is very debatable. If there is a clear clause in your contract to that effect then that maybe true. However, from a practical point of view, if the meeting goes in your favour there is no need for them to know a recording exists. In fact, you would only rely on it to prove them to be liars if the notes of the meeting do not reflect what happened.

PLEASE NOTE:

 

I limit myself to responding to threads where I feel I have enough knowledge to make a useful contribution. My advice (and indeed any advice on this type of forum) should only be seen as a pointer to something you may wish to investigate further. Never act on any forum advice without confirmation from an accountable source.

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I will add, if I may, that you actually can covertly record the disciplinary hearing, including the private deliberations.

 

Make sure, though, that your contract of employment does not stipulate that the use of covert recording is prohibited...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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...one thing led to another and he swore at me and told me to go home so i clocked out and left the premises. this week i am in an disciplinary for leaving the premises without permission...

 

Surely the key phrase here is 'without permission'? It was with permsission.

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

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I will add, if I may, that you actually can covertly record the disciplinary hearing, including the private deliberations.

 

Make sure, though, that your contract of employment does not stipulate that the use of covert recording is prohibited...

 

I think there was an ET appeal where the judge ruled that the part of the recording made when the person was out of the room was inadmissible.

 

Obviously that is not the same as it being illegal.

 

I have seen employment policies that state that hearing may not be recorded and, that if any recording is made, it is not evidence. Presumably this is just a try on? I appreciate it could be misconduct in itself (but see my practical point in my earlier post) but surely they can't alter history. It proves what it proves?

PLEASE NOTE:

 

I limit myself to responding to threads where I feel I have enough knowledge to make a useful contribution. My advice (and indeed any advice on this type of forum) should only be seen as a pointer to something you may wish to investigate further. Never act on any forum advice without confirmation from an accountable source.

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Hi 'uncertain', in Chairman and Governors of Amweil View School v Mrs C Dogherty UKEAT/0243/06/DA, The Employment Tribunal, by a case management order, allowed the respondent to use the unauthorised recordings she had made of the disciplinary and appeal panel hearings, including the private deliberations.

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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