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    • 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  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's 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 - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, 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 mis sold 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 accounts Lowell 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 credit file I'd be happy 
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working when injured - police officer


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Hi caggers, been here a while got a few threads running and now trying to help/advise a friend with her work related problem/s

 

She is a Police officer, has had injuries on duty x 2 resulting from a work based activity - the first one was an accident during compulsory training wher her back went during Physical Training

 

The second injury a year later occurred when ordered to conduct the same physical activity despite telling supervisor she wanted confirmation or all clear from Dr prior to undertaking the activity

She undertook the activity (as she felt compelled to do it) and her back went again.

 

She has been diagnosed with disc prolapse with a tear; after the initial HR feeling was that she was swinging the lead,

It was only after HR paid for an MRI scan that they changed tack and actually belived the injury was genuine. (my friends perception)

 

HR are aware of the full condition and she is now in reciept if IIDB.

 

My friend is overweight (although very very good at her job) and during the subsequent HR/Medical and management meetings regarding her condition her weight has been focussed on as opposed to the activity that caused the injury.

 

My friend has had very limited sick leave as she is conscientious and hard working, she has suffered and is suffering with pain every day as it is her sense of duty to keep going.

 

My friend is a 'specialist' and works mainly in office based and specialist investigations

 

My friend loves her job, doesnt want to sue the force for causing the injury (second time) and after a lengthy period of supported and temporary restricted status returned to full duties after a modified fitness test and self defence

 

The problem is that the injury is still very very troublesome and she is getting worse by the week however in a male dominated enviroment where it is macho to 'soldier on' she feels that if she was to go on the sick it may lead to her being pensioned off as she cannot fulfil the full duties of a Police officer.

 

She is hiding the true extent of her injury from her colleagues and bosses as she does not want to be dispensed with or moved from her role. She is braving it up to keep going, but also deep down realises that if the wheel came off in a confrontation she may get more seriosuly injured and actually become more of a liability than an assett to her colleagues.

 

If she is found out to actually be more seriously injured after telling them she is fine would this be classed as gross misconduct?

 

She is very worried as the austerity measures are bringing a whole new way of dealing with injured officers, she has said they can make her retire under regualtions but wants to keep going, anybody know if this is preventable?

 

Also she is worried that by hiding the injury and then becoming involved in confrontation or similar situation where she may get injured again, or cause an adverse effect on her colleagues dealing with that situation because of her inability to deal with it - would she be liable under health and safety legislation for injuries to her colleagues?

 

My friend does not want to speak with anyone internal including her federation (union rep type) reps as there is a belief that the force will find out as there are different employment laws concerning police.

 

Her immediate supervisors went through the motions as being supportive however she feels this is management action to 'tick the boxes' and they would rather her move to different department. As her condition is still their she has until June 2013 to undertake the physical training again or face disciplinary action.

 

She was advised by supervisor and union rep to maybe take painkillers and 'do the test and physical activity' just to pass, she feels this is again more risky and damaging to her back.

 

any suggestions for her to proceed as her doctor, physio can see no solution to her back problem at the moment

I am fighting it all the way :-x

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She essentially has to decide whether to risk bad things by lying or bad things by telling the truth.

 

You've covered most of the possibilities that could happen here.

 

What is your specific question?

 

I cannot help thinking your friend would be better posting here herself, as this could get messy going back and forth through a 3rd party.

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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Hi emzzi, thanks for the reply

 

i think the question she wants answering is if the hiding the true extent of her condition would be classed as gross misconduct?

 

And also if she fronted it up could they get rid of her or would they have to find her a role which she can perform?

 

The issue is that the role she does currently is not really affected by her condition other than the pain issues but there is an element of risk

 

We have discussed Disability Discrimantion Act etc but she thinks it does not fully apply to Police Officers

 

I will speak with my friend and try to get her to join CAG.

 

I have told her about this forum and the wonderful people who help others, something that has restored my faith in humanity on more than one occasion

 

kind regards

 

phaitun

I am fighting it all the way :-x

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Failing to declare something which may endanger others would certainly be GM

 

Personally I could not sleep knowing I may be doing that every day

 

If there are other jobs available they would need to look at those for her; they do not need to invent a job for her. the equality act applies here, BUT no special perks - same for everyone, only reasonable adjustments need be made, not bending over backards.

 

is it the police federation they have instead of a union? she really does need to talk to them.

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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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ps she doesnt want to be moved from her role

 

but her role leaves her in great pain

 

you aren't going to be able to do anything for her until she has come to the only obvious conclusion about those 2 statements.

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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Emmzzi, i think my advice will be for her to discuss it with the police federation, they are like a union, however she tells me that police officers are not 'employees', rather they are 'crown servants' with limited industrial rights.

 

I will see her tomorrow, i did also previously inform her that the risk to her colleagues is real and she should really address it as a priority, you have confimed my suspicions that hiding a medical pronlem that could be a risk to others may be classed as GM and i will pass this on to my friend.

 

As always, great advice/opinions from the knowledgeable Caggers

I am fighting it all the way :-x

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tbh i think that she is in great pain and would be in any role - her current role, which is mostly office duties and driving, nothing too physical other than a bit of walking and using some handheld equipment is not really that physically demanding.

 

It is the love of her job she does not want to lose, she has recieved commendations and praise for her work on numerous occasions, she has been involved in numerous high profile cases and is highly thought of by her colleagues and seniors.

 

I think she is hanging on for as long as she can for fear of losing what she has loved, when she talks about her job and the satisfaction it has given her for the last 16 years her eyes sparkle and she seems to glow with excitement.

 

I will speak to her tommorrow, we will have a glass and discuss her options.

I am fighting it all the way :-x

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