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    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
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Hi, this matter has been ongoing for some time, and I really need to sort it out now.

 

Myself and a colleague made a report on somebody at work for gross negligence. Now I'm really not one for telling tales, but this person was responsible for the death of somebody in their care and was about to do it again, so I think we were justified.

 

The person in question was suspended but reinstated after the management identified a "training need".

 

Since this person returned to work, both myself and my colleague were threatened both in person and by malicious telephone calls. The police were involved and issued a warning.

 

My employer did nothing.

 

Some time has passed, and I have now received death threats by way of text message. I have gone back to the police who are investigating, and I strongly suspect it is this person. They have said it will happen at work with a knife.

 

My employer is doing nothing.

 

My question is this.

 

If the police investigation cannot prove "beyond reasonable doubt" who is responsible, will I have enough for a civil case with a diary of incidents and a file full of emails to my manager that went unanswered?

 

This harassment started since the report was made. Nobody else has an axe to grind with me.

 

Many thanks for your help :-)

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How did the deasth come about? was it a colleague or a client/patient/customer? Was the HSE involved? If so then try and find out how things were reported and by whom and if they are not part of the management dealing with your suspected harasser then take the matter up with thm as a health and safety issue, not protecting the employee (you). This may seem an odd way of approaching things but the burden of proof shifts dramatically with H&S issues and the action taken can be immediate. It could be that the management have serious training problems that they dont want advertised and this is their way of keeping it under the radar so an ally elswhere in the organisation will help you.

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I think you're being a bit premature. Let the police complete the investigation 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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The police completed an investigation last year. He was issued a harassment warning on the other member of staff and was arrested for making threatening phone calls to me. He used a mobile phone from work to make the calls and because that didn't prove beyond reasonable doubt it was him (only my word that it was his voice) it was passed back to my employer to deal with it internally. They took no fuirther action.

 

I do believe these latest messages are from him as they use the same wording as his calls, and refer to both myself and the other member of staff involved.

 

I need to ask the police to trace the sim card used, as it was not a work phone. That will take a little time I know, but I wondered, if the police still can't prove for sure, is there enough for a civil case against him? I'd also take my employer for failing to protect me from violence at work.

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fastest route would be a restraining order for which I suggest a lawyer

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 do believe these latest messages are from him

 

In law this translates to i have zero evidence and am guessing (fair enough an informed guess)

 

It's a horrible situation to be in but i think you have to be patient and hope this person slips up to an extent that they make a mistake and leave a piece of evidence which is irrefutable that it was them.

 

The only positive to this is that the more grief you get the more chance of this happing is the outcome, if it was me and i got a text i'd make sure i was a happy as larry when near them the next time i saw them as it may motivate them to think "right........................................"

 

It's the old adage of giving them the rope to hang themselves with

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Have you made a formal written grievance to your employer setting out why you believe the threats are coming to this person, and asking them to take appropriate steps in accordance with their duty of care? If not, you should consider it. Written documents are much more difficult to fob-off than verbal requests and if this did end up in court you would want a paper trail.

 

Noone can give you a definitive answer whether you will have enough for a civil case. It sounds like you have already some evidence. Trying to give a more definitive answer at the moment is a little pointless because you don't yet know what evidence the investigation will turn up.

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My aim is justice. I don't want cash. Why would I want cash when there is a direct threat to my life?

 

I did grievance it and also requested a dignity at work investigation. Both were denied due to lack of evidence. The police found the previous malicious calls were coming from a mobile phone registered to my employer. As phones are not booked out to individuals, it didn't prove beyond reasonable doubt. It was handed back to my employer for an internal investigation and was closed. I have no other problems with any other colleagues. Plus, I recognised the voice as his. But it's still my word against his.

 

These latest messages are from a mobile not registered to my employer. The police are doing a subscriber check which will tell us where the sim card was bought and how it was topped up etc.

 

The content of the text messages say that I am going to be killed whilst on duty, with a knife. They also mention my other colleague is also going to be killed and that the police can't help us. They used words that were used in the calls from last year. (You cowards etc.)

 

Everything points to him.

 

My employer is doing absolutely nothing. Not even asking him about it.

 

I'm so frustrated at their lack of urgency and lack of care it's astounding.

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if it isn't about money then messing about with a civil case which may take months to come to court is much less effective than a restraining order.

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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look for a new job!

Sure. Plenty of them around. And with a grievance in hand that makes an excellent reference.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Well never say never always think there is something

 

Plenty of work experience for £0 a week at Poundland.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Yes that's true but there is always something if you look around, may not be the best in the world but there is something for most people, I get a little fed up with people going on about not having a job, there are jobs if you look not for everyone perhaps and scream horror you might actually have to do some work and travel! but actually I wasn't saying get a new job I was saying look around because just coz you are doing one thing it dosnt mean there may be something else out there, tbh I got my current job with a throwaway CV wasn't actually looking was happy where I was and ended up with the best job I have ever had, and I am no Spring Chicken, and female and classed as disabled so it can be done

And if I were an employer and could get some work done for nothing I would ha ha

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This thread has gone a little off the point. From qualifying as a paramedic, which took blood, sweat and tears as a single mother, to asking for advice regarding the legalities of a civil law suit, to being advised to "ditch" my career and look for something else.

 

I refuse to let this idiot win.

 

I've instructed a solicitor.

 

I have enough to go to a civil court.

 

Thanks for all your input guys x

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ask about a restraining order while you have a solicitor... honestly, it'd be helpful!

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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