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    • 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 mitigating circumstances


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Hi forum,

 

I'm not sure where to start. I'm currently on restrictions at work as I'm in the process of going to a tribunal for gross misconduct. The misconduct being common assault. I deny this.the police looked at the matter and decided not to proceed with the matter.

 

This is a really complicated case and no doubt I'll have more questions later, but would anyone be able to tell me, if or when I'm found guilty at the employment tribunal, can I use the following mitigating circumstances

 

I was under tremendous stress as my then pregnant wife was told by doctors that our baby could be born severely disabled. thankfully this turned out to be wrong, but it made me very depressed and anxious.

 

I was on very strong antidepressants and beta blockers for anxiety. The meds would have made me act in a way I would not normally have ever acted. However I still deny common assault.

 

My wife has also had the that of redundancy which has further stressed me out.

 

Would the above be considered? If so, at what point would it be mentioned? Before or after I'm found guilty.

 

I'm also on restricted from interacting with members of the public. However my line manager has recently asked me to deal with one member of the public. Would this not fly in the face of what the tribunal is trying to do? how can the tribunal seriously find me guilty if the company are allowing me to now interact with the public? I can't be that much if a threat if I am now being allowed to meet the public. And if they do find me guilty, surely if these members of public find out my predicament they could potentially sue my employers for putting their safety at risk.

 

I hope this makes sense. I would really appreciate any advice.

 

Thanks

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Hello

 

I find your situation a little confusing I'm afraid!

 

You say you're on restrictions at work but going to a Tribunal for a gross misconduct issue. Are you claiming unfair dismissal against your former employer, but this is having an impact on your current employment, or is it the case that you're going through a disciplinary process and a "tribunal" has been formed as part of this (namely a disciplinary panel)?

 

The answer in relation to mitigating circumstances differs greatly depending on whether we are talking about an internal process, or Tribunal proceedings.

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going

through a disciplinary process and a "tribunal"

has been formed as part of this (namely a

disciplinary panel)?

_________________________________

 

Hi Becky, yes it is the latter.

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Did you assault someone at work? or a member of the public outside of work?

 

At an employers discliplinary they will listen/or pretend to listen to mitigating circumstances.

In an employment tribunal they just look at if the employer followed a proper process and if a dismissal was fair/legal.they do not take into account mitigation.

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Hello again,

 

An employer is indeed supposed to take into account mitigating circumstances if they are making a decision which could result in disciplinary action. This does not mean, however, that they are not still entitled to dismiss you even taking them into account, and an Employment Tribunal (in its legal capacity) is unlikely to question an employer's viewpoint in this sense.

 

Your employer ought to be holding a disciplinary hearing with you, which gives you the opportunity to put forward your side of the story and explain your mitigating circumstances. You should also be given the right of appeal if you are found guilty.

 

Providing they have a reasonable belief in your guilt, go through a fair procedure, do as much investigation into the situation as possible and impose a sanction which was open to a reasonable employer to impose, a decision to dismiss you may therefore still be a fair one.

The burden of proof for an employer when undertaking the disciplinary process is "on the balance of probabilities", i.e. 51% or higher, whereas the criminal burden of proof is beyond reasonable doubt, which is much higher. This effectively means that you can be dismissed for an assault which was not treated as a criminal matter.

 

If you deny that an assault took place but the company has evidence that it did, this will not look good as the company will be entitled to find that you were dishonest and/or obstructive during the disciplinary process and are more likely to impose a harsher sanction because of this. If you did commit an assault (whether that be criminal or not) and you think your employer will look favourably on your mitigating circumstances, the best bet is to throw yourselves at their mercy, apologise, and point out how out of character it was and the reasons behind it. Unfortunately, however, if you did commit the assault and they have evidence of this, the chances of keeping your job are probably very slim.

 

I am not sure if this applies to you, but depending on the nature of the disciplinary hearing (i.e., if the outcome could deprive you of the right to practice your profession in future, such as if you were facing being struck off as a doctor/nurse, teacher or solicitor) then you are entitled to have a legal representative present. Otherwise, you are entitled to be accompanied by a work colleague or trade union representative.

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thanks for the reply Becky,

 

What are your thoughts with regards to my employers now allowing me to interact with the public even with this matter going on.

 

The incident in question happened at work.

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Sorry to be the bearer of bad news but you will most likely be sacked, if they think you did it. Like the other poster said they only have to find on the balance of probabilities you did it. They will listen to what you have to say but its doesnt matter how stressed you were if you did it, its completley unacceptable.

Absolutley no employer I know would keep someone on after this even if they were severley provoked. Im shocked your not suspended.

You need to get some advice sharpish from a union.

Also if they do sack you with this on your record, your going to find it very difficult to get any work at all.

Edited by NikeTrainer
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Thanks for the reply Becky,

 

What are your thoughts with regards to my employers now allowing me to interact with the public even with this matter going on.

 

The incident in question happened at work.

 

Well, honestly, I am relatively surprised that they haven't suspended you, given the nature of the allegations. However I presume it wasn't a member of the public or a venerable adult you were accused of assaulting, so really there isn't that much danger!!

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Hi Becky, unfortunately I am accused of assaulting a member of the public. That is why it is ridiculous that I am still being allowed to deal with other members of the public. How can I still be taken to an employment tribunal when my work are allowing me to do this?

 

it is all very complicated and I absolutely did not do it. I really don't want to elaborate too much as I am paranoid.

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It's an issue that you can bring up during the disciplinary process. If you didn't do it, how did the police become involved?

 

Unfortunately it boils down to your employers genuine beliefs. I hope therefore that you have enough evidence to sway them!

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It would help if you could stop using 'employment tribunal' when you mean internal discipline panel. On the site we use the term Employment Tribunal as the national 'court' for employment disputes.

 

Please can you detail the circumstances of the incident as many common assaults can be a two way affair and this could help you if presented in the right way.

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  • 2 years later...

I was given a final written warning almost 2 years ago, however I recently got a complaint within the 2 years the warning was live. I have been told that I will need to go to a misconduct panel again.

 

However I have noticed in my electronic Hr record there is no mention of my final written warning (even that I had been issued one).

 

Would I be able to use this technicality to avoid going to another misconduct panel?

 

Thanks

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Are you sure that the FWW wasn't issued to remain on your file for only a specific period of time? It would be unusual for any warning to remain on file for ever, so is it possible that it has been expunged?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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if you have committed another misconduct you need to go to another hearing... the FWW affects the penalty, not the need for the case to be heard

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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