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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • 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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Sick note at work.


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Was off for sickness and diarrhea for 5 days. I was off on annual leave the next week, put my sickness note in when I returned and have now been told it was late and now not getting paid for my sickness time. Has anybody got advice on the legal nature of this?

I work in a kitchen and they asked for a sick note because they said the diarrhea went on for two long.

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What does your company handbook say about the reporting of illness and when you qualify for sick pay? Why didn't you post it in before you went on holiday?

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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I never thought to send it. Was never told to send it in to work. Not sure of the rules as they are not online and have still to speak to union. It is the NHS I work for.

 

I think the manger is doing it because I have an argument with his assistant manager over this. She constantly went back on her word when I talked to her on the phone.

 

Is the best option for me to request all paperwork they have on this and the decision in writing?

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The best option is to get the staff handbook, and talk to your union rep. before having any more arguments :) Come back and tell us what information you have gleaned.

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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Hello there.

 

Emmzzi is the expert, but were you ill before or during your holiday please? If you were ill while you weren't working some companies would offset, but I take Emmzzi's point about reporting before you went away.

 

My best, HB

Illegitimi non carborundum

 

 

 

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You can self certify sickness in any company for 7 days. You shouldn't have needed a sicknote, provided you followed their procedures of reporting your sickness to them (usually a phone call to your manager an hour before your start time is normal). You should get any sick pay entitlement as well providing you followed it. (Whether that is full company sick pay or SSP will say in your handbook).

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You can self certify sickness in any company for 7 days. You shouldn't have needed a sicknote, provided you followed their procedures of reporting your sickness to them (usually a phone call to your manager an hour before your start time is normal). You should get any sick pay entitlement as well providing you followed it. (Whether that is full company sick pay or SSP will say in your handbook).

 

Hi can anybody else back this up? They said I needed a sick note from doctor because the Diarrhea went for an unusually long time (I would dispute that it is not unusual). Can they do this? If anybody could provide a link to information on this would be very much appreciated.

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7 days for a self cert. If yu have a very poor health record then the employer may ask for a GP note but the GP would charge (non NHS requirement) and you should know about that in advance.

 

This does not negate the need to check the reporting and sick pay policies. The self cert info is often in the policies.

 

https://www.gov.uk/taking-sick-leave

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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Hello again.

 

Did you see the doctor whilst you were ill please and did it go on beyond the 5 days before you were on holiday?

 

HB

 

What happened was I was ill the week before my annual leave. I was not ill while on annual leave. There was confusion to what I needed and they prevented me from returning on the Monday because I did not have a sick note and what they call a clearance slip to return from work. I saw the doctor on the Tuesday morning that allowed me to return to work that afternoon. The doctor said I did not need a clearance slip to return, on telling them what he said they let me return. Total confusion to what the rules are on their side throughout this.

 

Totally mental that despite being 10 days clear of the diarrhea they wanted a line from the doctor to return to work!

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I would be tempted to write to them and point out that not paying you would be an unlawful deduction from pay and could be actioned at an ET

I am not a lawyer, so all my advice is provided on the basis that you will check them with a trained legal professional with legal insurance.:(

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I would be tempted to write to them and point out that not paying you would be an unlawful deduction from pay and could be actioned at an ET

 

I'd be tempted to calm down and read the policy first.

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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Hello again.

 

Totally mental that despite being 10 days clear of the diarrhea they wanted a line from the doctor to return to work!

 

Was that for hygiene reasons/public safety reasons, do you think?

 

HB

 

Yes but my doctor thought it was mental as well! He said I could pass on his comments. Food standards agency say 48 hours, nothing about mangers should ask for a doctor to look at you first. Can't see how they can insist.

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All good :) It does sound like an over reaction from them, but best to check fully first. Very glad you have a union to turn to! Generally they are excellent at sorting these minor but important annyances.

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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You will be entitled to ssp at the very least. Like emmzzi said its best to know what their policy is and how it fits into your circumstances. For example have they done all they should, but likewise did you fully comply with their policy. I'm sure your union can clear this up and I'm sure that you'll sort it.

 

I still think you'll find that you were okay self certifying for the first 7 days of your illness so a sick note wasn't needed, unless you didn't follow their self cert procedures, Did you inform them each day that you were off for?

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although you can self certify for 7 days if you have a poor sickness record some companies will ask for a certificate before they will pay your salary, as I had a long time off 2 yrs ago I get a certificate if its going over a few days and my gp is happy to give me them without charge. If your certificate was late (and I can see that you should have sent it in before your annual leave started (common sense dosnt have to be written in a handbook) you may find that although you only get ssp this payday you will get the balance next, it depends on the pay run.

If I have been of any help, please click on my star and let me know, thank you.

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although you can self certify for 7 days if you have a poor sickness record some companies will ask for a certificate before they will pay your salary, as I had a long time off 2 yrs ago I get a certificate if its going over a few days and my gp is happy to give me them without charge. If your certificate was late (and I can see that you should have sent it in before your annual leave started (common sense dosnt have to be written in a handbook) you may find that although you only get ssp this payday you will get the balance next, it depends on the pay run.

 

They never asked me to post it at anytime. I did not see any problem with me handing it in when I returned to work. On my first day back I gave it to my supervisor.

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No I am sure they didn't ask you to hand it in they probably thought that with going away you would have automatically sent it, I think there has probably been a bit of a misunderstanding on both sides, but it may well be rectified in your next pay, ask them when it will be sorted.

If I have been of any help, please click on my star and let me know, thank you.

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No I am sure they didn't ask you to hand it in they probably thought that with going away you would have automatically sent it, I think there has probably been a bit of a misunderstanding on both sides, but it may well be rectified in your next pay, ask them when it will be sorted.

 

They are not paying the 5 days sick I was off for.

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I have now spoken to union rep and I have to write a letter asking for the policy and reasons for making the decision.

 

I have spoken to infection control at the same hospital they say you need to be clear of symptoms of diarrhoea for 48 hours to return to work which goes against what i was told by my supervisor!

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