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    • Feeling tempted to cancel it now but scared that some of the debts will do more Ccj 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 - so effectivly if I'd have not took out the iva I 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years so 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 misold 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 account Lowel 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 creitt file I'd be happy   
    • 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 
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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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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.

 

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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.

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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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