Jump to content


  • Tweets

  • Posts

    • That "oh dear" doesn't sound good  
    • 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.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

is this unfair?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4930 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

:eek:... huh!

 

Nah! no more Chelsea fan than a Manchester or any other team fan...

---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.

Link to post
Share on other sites

  • Replies 278
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi guys.

 

Im just back .

 

BRB - I see where the flow is going here , when you set it out the way you have its clear that procedure HAS NOT been followed .

 

In my opinion a reasonable employer would have said ; "ok , theres a posibility that these tests have been hindered so lets have both conducted again INDIVIDUALLY THIS TIME !

 

A reasonbable employer would have conducted a full and thorough investigation BEFORE DISMISSAL

 

A reasonable employer would have told the employee the reason for testing i.e was it random or for cause ?

 

A reasonable employer would allow the employee the option of having the sample re-tested at a lab of THEIR OWN choice (even if that meant THE EMPLOYER had to ship it to this lab )

 

A reasonable employer would have followed what they had written in their OWN drug and alcohol policy !

 

I could go on and on here but to be honest the penny really has just dropped !!!! Its just clicked how strong a case my lovely girlfriend has!

 

Thanks BRB , appreciated.

Link to post
Share on other sites

No problems... 'surreyguy'...

 

Let us push the story a bit further...

 

Her company's policy, in terms of disciplinary actions taken in cases like this one, states that...

 

Anyone who's drug's test is returned positive will be summarily dismissed...

 

Her sample is returned positive... she is dismissed...

 

Hence their reply in that letter/meeting...

---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.

Link to post
Share on other sites

I am not trying to confuse you... just trying to make you understand how a court will look at the case...

---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.

Link to post
Share on other sites

BRB sorry , im actually a bit lost after that last post from you (apologies , its been a long stressful day lol)

 

Are you saying that the tribunal MAY come to the conclusion that the employer has acted reasonably because they were within their rights to terminate girlfriends employment on the basis of the positive test result?

 

Lol i think i have just returned to earth with a (very painful) bump lol

 

thanks BRB

Link to post
Share on other sites

LOL...

 

Absolutely... that is the very first statement that you must keep in mind if you intend to defend the case in court... Do not lose sight of this one... That is where the respondent will build their case...

 

After that, you will have to build your claim in a logical and rationale way, demonstrating that the company has not follow procedures and regulations...

 

Sorry about the severe bump... should have sent a cushion!

 

LOL...

---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.

Link to post
Share on other sites

Anyone know ROUGHLY how much it would cost an employer to defend a case at tribunal ?

 

Say it went to a 3/4 day hearing and they had a solicitor defending them.....how much do you reckon?

 

The thought of them having to shell out big money on legal fees after the way my girlfriends been treated by them is shockingly satifying lol

Link to post
Share on other sites

It all depends on who they request to defend the case...

 

Solicitor or barrister...

 

But certainly nothing less than 3K to 4K...

---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.

Link to post
Share on other sites

What size is the company she worked for? Does it have an HR Dept?

 

 

Hi Elpulpo.

 

The company has 2 branches . The one girlfriend worked in employed around 72 employee's . The other branch would have maybe 60 employee's so i would class that as relatively large ?

 

Dont know if you could class them as having an HR dept though.....im not too clued up on what that term actually covers (sorry). They have ....

 

1 general Manager

1 production Manager

1 Personnel Manager

1 drug and alcohol officer (who has NEVER approached girlfriend about her "positive" test result .)

 

 

Sorry , i realise i seem a bit "dim" lol

Link to post
Share on other sites

It all depends on who they request to defend the case...

 

Solicitor or barrister...

 

But certainly nothing less than 3K to 4K...

 

 

BigRedBus .

 

Now that answer has SHOCKED us both !!!!

 

We assumed that legal cover for the employer to defend a case "could" run to around 15 k (this is what we read on another site) .

 

Im actually a little disappointed now.........3/4k is NOTHING to this company (we wish it WERE 15k , that would STING! LOL)

 

 

tHANKS GUYS

Link to post
Share on other sites

Depends on the complexity of the case. Discrimination cases that may run into a few days could cost a lot more. It depends on who they instruct also.

I'd imagine if your case went to ET, it wouldn't last more than a day. Possibly 2 if many witnesses were called.

Link to post
Share on other sites

I think that whether or not it was a random drug test is a bit of a red herring. I wouldn't focus on it as it distracts one from the real argument.

Your girlfriend isn't a drug user, therefore she should have had nothing to fear from a drug test random or otherwise.

 

Her case is that she was unfairly dismissed on the evidence of a test was known by her employers to have been incorrectly conducted.

(Bear with me while I go copy & paste crazy.)

Also , on the day of the test , my girlfriend was provided with a "schedule of procedure for testing" which basically is a procedure the testing agent has to follow during testing.....there is a section in this which states QUOTE " WHILST CONDUCTING THE TESTING PROCEDURE ON A DONOR , THE SAMPLE OF URINE PROVIDED MUST REMAIN WITHIN CLEAR SIGHT OF THE DONOR . THE COLLECTION AGENT SHOULD NEVER PLACE THE SAMPLE IN ANY POSITION OF WHICH THE DONOR DOES NOT HAVE FULL VIEW.

 

The testing procedure also CLEARLY states ;

 

Quote ; "WHILST ANY TESTING AGENT IS PERFORMING ANY TESTING PROCEDURE ON A DONOR , THE TESTING AGENT MUST REMAIN INSIDE THE TESTING ARENA (or any area being used as such) . STRICTLY UNDER NO CIRCUMSTANCES SHOULD THE TESTING AGENT LEAVE THE AREA OF TESTING UNTIL THE PROCEDURE HAS BEEN COMPLETED AND THE DONOR HAS (firstly) LEFT THE ROOM.

 

So , my girlfriend goes to the bathroom to provide her sample of urine and the other female is in a little room just next door in a SEPERATE bathroom.

 

My girlfriend handed her sample to the agent and just as she did so THE OTHER AGENT (WHO WAS IN A ROOM NEXT DOOR) called to the agent who was conducting the test on my girlfriends sample.

 

When this happened , the collection agent went outside the room (my girlfriend THINKS HE STILL HAD HER SAMPLE IN HIS HAND) and met up with the OTHER testing agent supposedly to see why he had called him?

 

Both testing agents were out of the prospective rooms for around 3 mins?

My girlfriend COULD NOT SEE THE TWO TESTING AGENTS STANDING OUTSIDE THE ROOM , ALTHOUGH SHE COULD HEAR THEIR MUFFLED VOICES.

 

 

Well , surely this procedure was broken owing to the fact that my girlfriend thinks( she is 99% sure) that when the collection agent went outside the room he had it in his hand (she had ONLY just handed it to him when he got called away).

 

When he came back in he apologised to my girlfriend and continued to do the test on "her" sample.

 

After a few mins he said to my girlfriend im sorry madam but it appears your'e sample is returning a positive result for 2 illegal substances!

 

Girlfriend begged to be allowed to donate another sample as soon as management told her she was suspended( half hour after original sample) she was so desperate she even said that someone could accompany her into the very toilet booth to wtch her pee lol but her request was refused.

 

What, if any, reasons have her employers given for refusing a re-test?

 

My girlfriend was in bits , she was suspended and after a week the lab reported that the test WAS positive for drugs

Was this a simple repeat of the original process or a more sophisticated test?

FYI ibuprofen will give a false positive for cannabis according to these guys (and they should know).

 

http://www.ukcia.org/culture/****test.php

Upon hearing this , my girlfriend was called to a disciplinary and before she had the chance to put her backside onto a seat her boss (a bitch of a woman) simply said to her "sorry but your'e test is positive so we must terminate your'e contract!

 

The thing that bothers me is that the company state that if girlfriend ADMITS to using drugs they will help her by way of counselling and support and that she could retain her job....but girlfriend is not willing to lie in order to hold on to her job , she says she would rather be sacked for the truth than keep a job based on lies.

What does it say in the Company's drug policy documentation about the consequences of testing positive for drugs? They can't have it both ways.

 

If they would offer counselling, support and job retention to an admitted drug user how can they justify dismissing your girlfriend because of a (dodgy) positive test.

My girlfriend has already visited her Gp and had a full drug screening conducted.....all results returned NEGATIVE , these tests were conducted around 5 days after the work place ones? but....her employer WONT accept them as evidence as chain of custody cannot be confirmed!!!!!

Girlfriend appealed and this was heard by a higher manager but the decision to terminate was up-held. Girlfriend has told the appeal manager what happened but she said "sorry , we contacted the testing agent and they say that YES , THEY DID LEAVE THE ROOM BUT........THEY ARE SURE THAT NO MIX UP OCCURED BETWEEN GIRLFRIENDS SAMPLE AND THAT OF THE GIRL BEING TESTED NEXT DOOR .(who incidently received a NEGATIVE result......)

You'd think that the admission that they left the room would render the test result void and therefore inadmissable as evidence. Whether or not the Company that was paid to carry out the drug test admit to further breaches of their own procedures is surely irrelevant at that point.

 

How can the Company hold a reasonable belief in her guilt when, other than your girlfriend's declaration of her innocence, the evidence they had to base their decision on was a negative drug test from her GP and an admitted flawed positive result from their chosen testing Company.

 

So, her employers are confident that they have nothing to fear from a tribunal and will fight it all the way.

Sorry to be flippant, but are they on something?:rolleyes:

 

 

Link to post
Share on other sites

I think that whether or not it was a random drug test is a bit of a red herring. I wouldn't focus on it as it distracts one from the real argument.

Your girlfriend isn't a drug user, therefore she should have had nothing to fear from a drug test random or otherwise.

 

 

It's certainly not the principal argument, Mariefab, which is exactly that which you set out, that there were clearly grave procedural errors that the employer conceded but refused to address -

but I do feel that stating that a test was random and then subsequently stating it was because they felt they had cause to do so is an important secondary issue.

It goes against good practice to mislead someone as to the purpose of the test.

Admittedly though, it could be misconstrued that therefore the applicant was concerned at the prospect of being tested.

Link to post
Share on other sites

Mariefab.....you ARE FAB !!!

 

That post was excellent , thank you , that must have taken up a lot of your time so be aware how much it is appreciated.

 

To answer your questions....

 

The company refused a re-test simply on the basis that the collection agent is CONFIDENT that nothing happened to hinder the sample whilst he was out of the room . The employer has simply choosen to take his word on this fact ! There are no witnesses to say what happened whilst he was out of the room.

 

My girlfriend begged to be allowed to give another sample , she offered to fund the cost of the re-test herself and she offered to allow a (female) member of MANAGEMENT to come right inside the toilet cubicle with her whilst she gave the sample!

 

Both requests were refused because of the collection agents insistence that the sample hadnt been hindered. We think he was SO insistant because he was bound to have KNOWN that this was going to get him a rollicking from his own employer.........so he covered his own back.

 

The companies alcohol and drugs policy is confusing , it states that a positive urine sample will lead to summary dismissal but then it goes on to state that any employee who considers themselves to have a drug/alcohol dependence can approach the alcohol and drug office and request help for the addiction . It states that whilst such help is being received by the employee , the employee will be considered to be absent on SICK LEAVE and that upon production of a NEGATIVE sample for testing , the employee will return to their previous position within the company having suffered no detriment because of their previous addiction.

 

It then goes on to say that the company are only concerned with ONGOING drug/alcohol problems which will be dealt with under the A+D policies , the company is not interested in "random" situations where drug/alocohol are abused only for social pleasure , instances such as this will be dealt with under the companies usual disciplinary procedure.

 

They have covered their backs in the wording of their policy though havnt they ???? Addiction you get to keep your job.........go out on a weekend and drop some recreational drugs....test positive on a monday and your fired!!!

Link to post
Share on other sites

I fail to see how the employer could have any confidence in the assurances of a collection agent who freely admits that he had already breached the testing procedure by leaving the room.

 

Once he admitted the breach, a re-test should have automatically been done for that reason alone. I can't think of any justification for refusing a re-test in the circumstances. Especially as, within half an hour of the test, the donor is pleading their innocence and begging for a re-test with a manager present.

 

There are 2 possible scenarios here:

1. Agent leaves the room with your girlfriend's sample, in which case, contrary to the testing procedures, the sample was out of the donor's sight and therefore test is void.

2. Agent leaves the room without your girlfriend's sample, in which case he cannot possibly know what may have happened to any samples in his absence and again the test is void.

 

Her employer's stance of, 'Well yes, he admitted breaching the testing procedures but he was still pretty confident in the result. So we decided to just take his word for it instead of doing a re-test,' is nonsense.

Link to post
Share on other sites

Even without there being a breach of procedure, one would have thought it prudent to do a second test before sanctioning dismissal, given the gravity of the accusation and the employee's particularly long service.

It seems to me that the employer was well aware of the likelihood of there having been a mixup, but was more concerned by the potential ignominy of being proved wrong than ensuring the fair treatment of the employee.

Link to post
Share on other sites

It seems to me that the employer was well aware of the likelihood of there having been a mixup,

 

Indeed, depending on how well known it was that the other employee was a recreational drug user, (and bearing in mind that one can test positive for cannabis months after use) perhaps the Company should have been alerted by the fact that the other employee tested negative.

Hmmm! Was this other employee also selected 'randomly'?

 

If you haven't already done so, it might be an idea to get the name (and address) of the collecting agent who carried out the test. You may want him as a witness at the Tribunal.

Link to post
Share on other sites

It seems to me that the employer was well aware of the likelihood of there having been a mixup,

 

Indeed, depending on how well known it was that the other employee was a recreational drug user, (and bearing in mind that one can test positive for cannabis months after use) perhaps the Company should have been alerted by the fact that the other employee tested negative.

Hmmm! Was this other employee also selected 'randomly'?

 

If you haven't already done so, it might be an idea to get the name (and address) of the collecting agent who carried out the test. You may want him as a witness at the Tribunal.

 

 

 

Mariefab , your good at this caper...you wana come represent my girlfriend ??? lol.

 

On the above suggestion made by you though , according to my girlfriend , when she got upset during the disciplinary meeting and mentioned that she would take it to tribunal , the manager holding the meeting told her that if it DID go to tribunal THEY would call the testing agent to be a witness for THEM to give evidence that he DID NOT hinder the test results by leaving the room.....

Link to post
Share on other sites

Does anyone know if its at all possible to amend your ET1 after its been sent to the tribunal office and after the ex employer has received it ?

 

In the days soon after all this happened , we wernt really in a "good place" and although we have put EVERYTHING onto the ET1 upon readin over it now , it could have been a little bit clearer.

 

Would we be allowed to change/re-word it now ?

Link to post
Share on other sites

Unless you feel that your ET1 is completely illegible, or you have left out something that you'll wish to use at the hearing, I wouldn't worry about it. (I know that the Tribunal doesn't bat an eye when they receive a hysterical rant.)

 

However, if you do wish to make any amendments/additions you could phone the tribunal service and ask them how to go about it.

Link to post
Share on other sites

They obviously are in breach of the chain of custody by leaving the testing area... and despite their refusal to accept any responsibility in this case, I would nevertheless send a complaint... mentioning their negligence...

 

 

They are most certainly in breach of the chain of custody - I am trained in drug and alcohol testing and I know for definite that the sample should never be out of view of the donor. Also, if the first sample proves positive a second should be taken.

 

The lab which tested the urine should retain a sample in case the test is challenged legally. This sample should be made available for further testing and I suggest you ask for a DNA test to prove it is not your girlfriend's urine.

 

If your girlfriend was tested because someone made a statement then she was not randomly tested and the employer had acted out of procedure. The whole episiode is a travesty and I sincerely hope you take this all the way.

 

It might be a good idea to get a free consultation session with an employment solicitor.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...