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    • Creditors Name / Brand Acct Ref POD Balance Received (£) Claim Admitted (Y/N) Cabot Financial IVA 33749505 642.90 Y Cabot Financial IVA 35707961 8,162.07 Y Direct Legal Collections Q5180215 0.00 N Direct Legal Collections Q5185144 0.00 N Ee 157920642 0.00 N HMRC VAS JN434119D 0.00 N Lantern UK IVA M6152941 284.68 N Lloyds Bank IVA 6288 2,692.00 N Lloyds Bank IVA 30963530231568 5,596.00 N Lowell Financial 300092756 1,014.00 Y Lowell Financial 294767660 228.00 Y Lowell Financial 274783943 1,538.00 N Lowell Financial 241096338 1,343.68 Y Lowell Financial 280654617 22,446.00 Y Lowell Financial 264807132 1,189.00 Y Lowell Group 263221038 246.00 Y Perch Capital E0QZ6R22 0.00 N Zopa IVA E04E25C3B7434C8361 0.00 N Total Unsecured Creditors 58,978.33 Total SOA Claim 58,692.00 Fees and Costs £ £ Fee Type Proposed Approved Nominee Fee 1,900.00 1,900.00 Supervisor Fee 1,750.00 1,260.00 Disbursements 0.00 31.00 Adjournment Fee 0.00 0.00 Dividends Approved Dividends at first MOC (p in £) 8.87 Revised Estimated Dividend  (p in £) 8.83 Total Dividends Paid to Date (£) 276.29 Dividends Paid to Date  (p in £) 0.78 Case Details Income and Expenditure Reviewed N Arrears (Y/N) N Value of Arrears (£) 0.00 Current Balance at Bank 185.72 No. of Months Arrears 0 Original Duration of IVA 60 Payment Break Agreed (Y/N) N Current Duration of IVA 60 Breach Notice Issued (Y/N) N Subject: Request for Settlement Proposal Due to Changed Circumstances   I am writing to discuss the current status of my Individual Voluntary Arrangement (IVA), now in its 36th month. Following a recent income and expenditure review with a debt charity this morning, it has become clear that my financial situation has deteriorated significantly, making the continuation of the agreed monthly repayment of £140 unfeasible.   The primary reason for my financial hardship remains the ongoing health challenges faced by my two Sons, which have necessitated frequent hospital visits and medical care since 2017.    As a result, my employment opportunities are limited, and I am self-employed with Uber Eats to accommodate their medical appointments, hospital stays, and monthly infusions.   It is crucial to highlight that pursuing Debt Relief Orders (DRO) or bankruptcy would not yield any additional funds for creditors, as I reside in rented accommodation and possess no other assets or savings.   Furthermore, I do not foresee a change or improvement in my circumstances in the foreseeable future due to the long-term nature of my children's health conditions, and the health issues I am now suffering for to the stress of this IVA.    I have faithfully maintained my IVA payments for 36 months without missing a single installment. Regrettably, my situation has become increasingly untenable, leading to depression, anxiety, and suicidal thoughts related to the financial strain of the IVA.    To avoid defaulting on payments, I have resorted to borrowing money from friends and family, resulting in a further deterioration of my health and consequently even more debt which is definitely not the solution I expected from you.   Based on my recent income and expenditure assessment, I am currently experiencing a monthly deficit of approximately £650 due to the escalating cost of living. Therefore, I respectfully request that you propose an early settlement to my creditors, based on the payments made to date, taking into consideration the exceptional circumstances surrounding my children's health and my own mental well-being. My wife too is unwell and unable to work leaving me to look after them all with zero support from the government or council.    If it is not deemed appropriate to request an early settlement, I will have no alternative but to cancel the IVA and manage my creditors directly.   Additionally, I must convey my dissatisfaction with the service provided by Creditfix, to whom I have been referred from Hanover. The level of service at Creditfix has not met acceptable standards, and I feel confused and unsupported throughout this process. Despite my worsening situation, Creditfix has shown little interest in understanding my circumstances and instead has pressured me to increase payments. Your last email requesting modification and an increase in payments clearly demonstrated to me that you have no interest or concern for my family or my welfare and are our solely to get what you as much as you can, giving zero regard to my situation.    Lastly, I want to clarify that I have exhausted all avenues of financial support, and I do not have any friends or family who can lend me further funds to cover the outstanding amount on the IVA.   I appreciate your understanding and assistance in this matter. Please advise on the next steps and provide any necessary documentation to facilitate the negotiation of a settlement with my creditors.   I have attached a copy of my latest income and expenditure form that I completed this morning that shows how struggling I am right now and can't afford to pay this any longer.    Thank you for your attention to this urgent matter. I eagerly await your response.   Yours sincerely,
    • No because telling a story in your statement chronologically it would be out of run sequence. 
    • I have just sent my IVA company the following letter in going to wait to see it credit fox accept my request to put to my creditors or request to accept payments so far as my full settlement but I suspect credit fix will try they're best to avoid that happening - I'm confident the credited will agree but getting credit fix to agree is another story.    I have today sent them the following letter and if they don't accept I'll stop the agreement and ignore and on that instance plese help me clear all my issues guys as I'm sure I'll need lots of help to get the likes of lowell and Cabot of my back.    I do know that most thus debt was taken out around 2009 and 10 and some in 2015 meaning the original debt are all. Over 6 years for sure and I hope you guys can guide me how to deal with them now  firstly below is a list of all the creditors with amounts and some are duplicate and then followed by the letter I just sent to iva company 
    • I see CEL accepted all the stuff about you being a genuine customer and offered to settle the matter for £20. What was your logic for refusing their offer of settlement? I'm not saying you were wrong, we have plenty of cases where motorists have quite rightly told the PPCs where to stuff their £20 offers.  Just interested in your reasons for making the decisions you have been making about your case.  
    • Because its not connected to this claim.....Ideally if you had received the claim you would have requested information pursuant to CPR 31.14 and a CCA request for the agreement. DSAR only reveals your personal data held which would be minimal with the this claimant. You can leave it in if you desire but it adds no weight to your statement.   .
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Unfair Dismissal - ** RESCINDED **


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I believe my employer has unfairly dismissed me.

 

The events: A work mate at the time took two drinks from the shelf at work, then went to the back of the store were no cameras could see. I then went out the back and chatted with him, he drank both of the drinks then put them in the bin, the security guard then came down seen the two empty drinks in the bin. We were both then called up stairs to have separate meetings about the incident, during this I told them that I didnt see the work mate drink them and said they were just placed on the side then we left. Following these meetings we were both suspended so the case could be investigated. While we were suspended he handed in his resignation before the disciplinary hearing, I attended my hearing told them that he had drank both of them. However I was believed to have been guilty as I changed my story and they fired me on the grounds that they believe that I consumed one of the drinks.

 

Since this conclusion I have expressed that I wish to appeal the decision and will bring a letter to them tomorrow stating this. I have also got a signed statement from the work mate that drank the two drinks saying he did so to take as evidence of my innocence.

 

Just writing to ask is there any advice on my situation anyone can give, I've went to the citizens advice bureau and they said to first give them my appeal letter then get in touch with the employment tribunal.

 

Thanks for your time

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On precisely what grounds have you been dismissed? Theft?

 

Whilst you may well have grounds to appeal (and indeed should) against any charge of the theft itself, your employer may still have grounds to dismiss you fairly for acting as an accomplice/being complicit in an act of dishonesty/breach of trust. This would be on the grounds that you were aware that a colleague had stolen items and did nothing about it, or, that you lied when asked about the theft. On that basis, it may be that the employer could hear your appeal but still choose to dismiss, but equally, a well worded appeal might also persuade the employer to downgrade the dismissal to a warning.

 

I am wondering why the CAB would advise you to go to an Employment Tribunal. If, as you say above, you were untruthful when asked about the drinks, then a Tribunal case will be a non-starter. This is not a matter which requires proof beyond reasonable doubt, merely that the employer is required to have a belief on the available evidence that you were involved in an act of dishonesty. A Tribunal will not assess whether the employer was correct in their assumption, merely whether their actions in dismissing you were a reasonable response to the matter in question. Sadly, I fear that not disclosing information during an investigation into a theft will be seen as covering up for the thief, and that dismissal would be a reasonable response on the part of the employer.

 

Sorry - I am certainly not making you out to be as guilty as your former colleague, but believe that in the way you have worded your post, the employer has got you either way. You must appeal because you are not guilty of the theft, but in that appeal you will have to have a pretty convincing explanation for why you did not speak out at an early stage if you knew that your workmate had stolen drinks, and why you acted in such a way as to cover for his dishonesty. Misguided loyalty would seem to have cost you dearly.

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Hi

 

From what you have said your Employer has taken the reasonable belief route mainly due to you changing your version of events.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Thanks for your words, I have sent in an appeal letter to the store on Friday waiting for word back after the bank holidays this week. I was dismissed with the allegation of theft through consumption. They said because I changed my story it was unclear as to what the truth was and it left them with the reason to believe that I consumed the other bottle. Im hoping that the appeal letter and my sincere apologies along with the statement from the other colleague stating that I had no part in it may change the outcome but the longer it goes on the more I'm thinking it doesn't look good. Very upsetting.

 

Sorry it took so long to reply.

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When the events were as straight forward as you say how could you have provided different versions of the events? think you need to elaborate here on what the difference is as something does not add up

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I think the fundamental point here is that the employer would be justified in the dismissal, they have dismissed you for theft, that is incorrect and you are appealing on the basis of new information, namely the statement which you have obtained from your ex-work colleague.

 

The difficulty here could well be that in any event your employer would say that there has been a break down in trust and confidence that they have placed in you, and as a result of that that breakdown is fundamental to your continuing employment and therefore you would be dismissed on those grounds.

 

Unless you have any other information?

 

Could I ask how long have you been employed with the employer? Note that you are unable to claim Unfair Dismissal for the first 12 months of work if you were employed prior to April 2012, however after this date it is now 24 months.

 

Also note that your limitation (date of which you must bring a claim) for Unfair Dismissal would be 3 months less one day from the date of dismissal.

 

However, based on the above information it would not seem as though you have a claim to take forward to an Employment Tribunal.

 

You may want to take legal advice, it seems you have been to the CAB but if you have legal expenses insurance on your property you may be able to call them and seek some advice.

 

Hope that helps.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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When the events were as straight forward as you say how could you have provided different versions of the events? think you need to elaborate here on what the difference is as something does not add up

 

Because the other workmate said in his interview that he handed them to me to put in the fridge, this didn't happen.

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I think the fundamental point here is that the employer would be justified in the dismissal, they have dismissed you for theft, that is incorrect and you are appealing on the basis of new information, namely the statement which you have obtained from your ex-work colleague.

 

The difficulty here could well be that in any event your employer would say that there has been a break down in trust and confidence that they have placed in you, and as a result of that that breakdown is fundamental to your continuing employment and therefore you would be dismissed on those grounds.

 

Unless you have any other information?

 

Could I ask how long have you been employed with the employer? Note that you are unable to claim Unfair Dismissal for the first 12 months of work if you were employed prior to April 2012, however after this date it is now 24 months.

 

Also note that your limitation (date of which you must bring a claim) for Unfair Dismissal would be 3 months less one day from the date of dismissal.

 

However, based on the above information it would not seem as though you have a claim to take forward to an Employment Tribunal.

 

You may want to take legal advice, it seems you have been to the CAB but if you have legal expenses insurance on your property you may be able to call them and seek some advice.

 

Hope that helps.

 

I've worked for them for 3 years, I'm apart of the law club with the company which provide legal advice and representation. I'm going to get in contact with these for some advice around the issue.

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Copy of the appeal letter,

 

 

Dear *****,

I’m writing this letter to inform you of my decision to appeal against the decision reached on the 24/05/2012 regarding my dismissal from work. The grounds for the appeal are as follows:

 

I understand that I should have told the truth from the beginning and none of this would be happening, and have regretted not doing so ever since. I felt pressured into sticking up for Dominic and should have handled the situation differently; I made a huge mistake and want to make it clear that I would never think of stealing anything. I’ve never been placed in a situation like that before and didn’t handle it correctly; it would certainly not happen again if I was to be given a second chance. I have worked for the company for almost three years and throughout these three years the company has looked after me very well, transferring me back and forth to stores while I’m at University and back home. I’ve been under enormous pressure the last couple of months as I am currently sitting my final exams at university and was wishing to get a place on the graduate scheme within the company so I shouldn’t have jeopardised my chances of this by not being honest. I have never done anything wrong in my time with **** and I’m sure anyone I’ve worked with in the bakery will confirm that I am not the type of person that would steal anything. Following this decision I have since gathered a signed statement from Dominic clearing me of the allegations surrounding the events that took place and will bring this with me to the appeal hearing.

Yours Sincerely,

Conor

Edited by honeybee13
Removng your surname to provide more anonymity.
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Hi Conor,

 

Just to make you aware that if your employer fails to reinstate you and you want to refer the matter to your representatives for legal advice your limitation date would be 23rd August 2012, this is the date that a claim must be submitted by which is 3 months less one day from the date of your dismissal.

 

Has the appeal letter been submitted? Also, please take your name off the bottom of your previous posting.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Wow! Have to admit that I am surprised in the light of the circumstances, but am delighted for you. Well done for sticking with it.

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

 

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Yeah I was told 9 out of 10 times I would have been out the door, but the store manager had spoke to the people I had worked with and the managers in charge of me and they all had good things to say. I'm extremely lucky and thankful that I got it back, I thought it was hopeless trying to get it back but just goes to show if you want something enough and keep at it you'll get there.

 

Thanks for the previous advice aswell, none of the tribunal stuff matters now thankfully threw all that stuff in the bin with the biggest smile on my face.

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