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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Staff Nurse off sick for 7 months, Whats the end result??


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Hello Everyone,

 

I hope this has gone in the right thread

Im really hoping for some great advice here, - Although i'm confident i will receive it,

 

Im writing on behalf of my sister. Here is some background information which will help picture our crisis.

 

My sister is 27, a qualified staff nurse, caring, loving and kind.She has fibromyalgia a chronic widespread musculoskeletal pain and fatigue disorder

When she first started nursing she was put on HDU

a high dependency ward, A highly stressful ward when first qualified. In time my sister became depressed and was put on anti-depressants, But also moved wards to somewhere she was happier.She was on these for 5 years, In between this she had a long term boyfriend, Whom she loved very much and was her one and only boyfriend so never knew any different.

 

He cheated on her 3 times She found out and left him, Then when she was at a low ebb he wore her down and begged for forgiveness, This went on for a year until she finally gave in. Whilst they had been apart he had found another girlfriend who became pregnant, My sister accepted the child and they were ok for around a year or so, Until she read through his emails and found out he had been messaging and meeting tran-sexuals. This obviously devastated her, she questioned his sexuality and couldnt understand what was wrong with her. She had to go for all the sexual health tests, saying thats she felt dirty and that no one would ever want a relationship with her again as he had passed herepes on to her.

 

In November 2014 she was signed off sickicon due to the fibromyalgia and trauma she had just suffered. She was put on Sertraline antidepressants. as well as this she was also take Amitriptyline, for pain( but is also used as an antidepressant)

Zopiclone as she had trouble sleeping, gabapentin a painkiller used for the nervous system, and Diazepam.

 

2 months ago she came out in an angry rash on her face, She went up to A and E with my mum, Whilst waiting to be seen she fainted, and banged her head that hard she was knocked unconcious.

 

Her mental state has since got gradually worse and we now have the crisis team coming out regular with a physiatrist who has now diagnosed her with hypomania, and was very close to being sectioned if it hadnt have been that my parents are both at home every day.

 

Her mood fluctuates between aggressive, emotinal and manic, She often wanders off without telling anyone and is a danger to herself, She is very confused and cannot be left alone. You cannot have a conversation with her because they are so random you cannot make head nor tail of them.

 

She is still off work now and it has been 7 months. She is too poorly to go back to work but The hospital are pushing and pushing and now has a final meeting on the 22nd june for a final outcome as to what it to happen, My parents have not told my sister this yet, but she wouldnt be well enough to attend this anyway.

Her sick pay has now reduced to £81 a week and she cannot afford to live. She has a large amount of outgoings that need to be paid for, She is still living at home with my parents but they are both self employed with very little income coming in to this house.

My parents outgoings are around £1,200 a month and my sisters the same.

 

Here are my sisters outgoings

Credit card with Barclaycard £160 a month-* Due at the end of June

Credit card with halifaxicon - £130 a month Overdue by 2 weeks

car finance payment £110 ( Due the next fortnight, Taken over 4 years with Black horse. 1 year owned.

Gap insurance for the car and service plans £60 due around the next fortnight

Phone bill 02 £40 month

RCN ( royal college of nursing payment ) £20 monthly Due in the next fortnight

Tesco bank Loan £300 Due in the next fortnight

Halifax bank Loan £300 Due in the next fortnight

Overdraft £1,200 Santandericon

 

So in a nutshell If you could help with the below questions i would be so grateful, As i really want to help my parents and sister but im not sure where to start.

 

1: What rights does my sister have with regards to her job as a nurse? Can the NHS sack her?

2: What can be done about the incurring payments due to be paid with credit cards, loans, finance etc can be done?

 

I really appreciate your time taking to read this and any help would be so gratefully received.

If i have missed any information out that would be needed please ask.

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It depends on lots of things, from the sound of it your sister is unlikely to return to work in a reasonable time frame, so under the Agenda for Change Terms and Conditions her half pay will run for three months and then she will be on no pay.

 

Effectively, yes, they can 'sack' her as she has no prospect of returning to work even part time.

 

There are various charities who can help 'distressed nurses' and the best place to go would be a mental health charity who could help with the debts.

 

To deal with your sisters debts you would need to get her to sign a letter saying you are dealing with them due to her medical condition and then write to everyone offering £1 a month whilst you are assessing the longer term situation.

 

Don't get involved in an IVA or anything like that as it wouldn't help in the long term.

 

What your sister needs now is help and support above and beyond that you normally give her - worrying about getting back to work too soon is not going to help.

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I think keep this thread for the health issues side of things and keep the other for help with the debts.

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  • 3 weeks later...

I see that your sister pays the RCN so she (or you on her behalf) should contact them. I don't know what you know about the RCN so please don't think I am being patronising if I am telling you things you already know. The RCN is one of the nursing unions (they actually do more than that but its one of the things they do and the one that's important here), they have helplines that you can call for advice and can send someone to advocate for her at the meeting, I assume they could attend on her behalf if she is unable. They can also advise on the financial side of things, and I am sure they run a debt help program of some sort. They would be the best people to advise I think as they are used to dealing with similar situations and regularly represent nurses at meetings such as the one your sister has been asked to attend. This is a link to the support section of their website http://www.rcn.org.uk/support

 

 

As sillygirl1 said above, there are also a few charities out there that may be able to help but personally I think you sister has paid her union fees for however long and now is the time to use them.

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  • 5 months later...

Not sure if its the same but my wife was recently off ill for a year as a nurse.

She had full pay for 6, plus half-pay PLUS SSP on top for another 6. After this it was zero.

 

They were starting to make moves to follow the process to get rid of her. But it was all moving very slowly. PArt of the process was they had to give her 3 months of 'redeployment' where she had 3 months to find another role within the trust that she might be able to do.

 

Fortunately, she could no longer do her original role due to her health, but shes now doing something else. Could your sister consider this?

 

Also, I know if it'd gone to termination they would have to pay 3 months notice pay as well.

 

Seems pretty unlucky that after 7 months they're rushing it all through but I guess it differs from trust to trust.

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  • 7 months later...
Not sure if its the same but my wife was recently off ill for a year as a nurse.

She had full pay for 6, plus half-pay PLUS SSP on top for another 6. After this it was zero.

 

They were starting to make moves to follow the process to get rid of her. But it was all moving very slowly. PArt of the process was they had to give her 3 months of 'redeployment' where she had 3 months to find another role within the trust that she might be able to do.

 

Fortunately, she could no longer do her original role due to her health, but shes now doing something else. Could your sister consider this?

 

Also, I know if it'd gone to termination they would have to pay 3 months notice pay as well.

 

Seems pretty unlucky that after 7 months they're rushing it all through but I guess it differs from trust to trust.

 

all depends on NHS service with regard to duration of Occupational sick pay

 

same with notice when employment is terminated

 

if OH are saying there is not a relaistic chance of her retruning to an RN role within the foreseeable the employer would move to dismiss on capability grounds.

 

redeployment is not an option, however alternative employment in different role with the organisation may be an option

 

i would also suggest that at some point she will be referred to NMC on health grounds as someone ill enough to be sectioned does demonstrate impaired fitness to practice ( as sectioning is used where peopel don't have capacity )

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  • 3 months later...

Way too many medications, she seems to have impaired fitness to practicebe mentally. I wonder whether she really needs medication for sleeping as they're addictive. Through overmedicating dependence on chemical solution only will increase. Did she try any counselling, psychotheraphy which could help her to change her behaviour, being more independent, etc.?

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