I have appealed initially which was rejected. But initually I did not make reference to the equality act 2010, discrimination arising from a disability etc. The initial appeal was rejected . I have sent new appeal bit have not recieved an ack or reply. I wish to know if based upon the info supplied I have a case? Weak, moderate or strong. I feel I do. INITIAL appeal which has been rejecred
1. No adverse records I.e. CCJs or IVAs
2. Defaults x 4: 2 loans, 2 cards dating back to 2013 . Mr Truckle unexpectedly burnt out in early 2013. He resigned from his job following 8 years service as a result of stress, excess hours 60+ a week over several months. He was diagnosed with depression . Long term sickness , unemployment, low income I.e.benefits resulted in inability to meet minimum monthly payments. Defaulted as a result. Unfortunately no payment protection in place. Prior to 2013 good credit score.
3. Mr Truckle has arrangements agreed and in place with each creditor to pay a significantly lower affordable amount each month. These payments are being made. See attachments.
3. Awaiting return to full-time employment, higher income which will enable payments to creditors to be increased. Estimated affordable total will be £550 per month I.e. less than 20% of net income.
5. Not under financial strain.
NEW APPEAL no acknowledgement or response:
orning Janice, Rebekah, Brett,
Thankyou for the letter I recieved today dated 29/6 informing me my application has failed at the screening, credit check phase. I assume therefore there is no option to appeal.
Taking all facts into consideration I feel the decision is unfair . I have sought legal advice from the mental health charity mind.org.uk to determine if my assessment is valid I.e. that I have a case.
Following an initial discussion presenting all the facts e.g. long term depression, a recognised disability, unemployment, low income resulting unfortunately in the defaults and my poor credit score the legal advisor was of the opinion that i am being discriminated against under "Discrimination arising from a Disability ( which applies to past or present... in my case past)" Re-Equality Act 2010.
That I am being treated unfavourably as a result.
That there appears to be a lack of flexibility , a required duty under the Equality Act to make reasonable adjustment in the credit checking process with regard to disabilities.
In summary the legal advisor was of the option the decision was unfair.
More information can be found on the mind.org.uk website, bottom left, A-Z, under Discrimination.
I do not know if the escalation case took the above factors into consideration.
I kindly request that the decision to reject my application is revisted.
As previously stated my case in summary, combined with above is below.
1. My financial situation is a direct result of a past disability I.e. long term employment, low income. The long term unemployment started in March 2013 when I burnt out a result of excess workload 60+ hour weeks over several months from my previous employer Jpmorgan. After 8 years service. I resigned suffering with depression . My credit report will show up to then my credit score was good.
2. I have behaved responsibly contacting my creditors and agreeing significantly reduced payments.
3. I am under no strain or stress as a result of these debts as my creditors are being reasonable and understanding. I have reduced payment plans in place. Subject to review every 6 months or when my financial status changes. The zero stress/strain will not change once I resume employment as we will agree increased affordable repayments. I therefore do not present a risk with respect to fraud or debt related stress. I therefore have a stable financial background.
4. I have no adverse records I.e. CCJs, IVAs or Bankruptcy. Supporting the fact I have managed the situation, communicated with my creditors, have not ignored or neglected it.
5. I am fit to work. I can supply excellent work references a testament to my skills, experience, positive attitude to work and know I can make a positive contribution to RBS working with Mark, Jim and yourself.
6. I am a specialist in IBM MQ & Broker a product only used by Financial organisations . Experience, skills acquired over 15 years. To be denied of being able to continue work in my area of speciality would result in a significant paycut of 40% or more. This I find unfair under the circumstances. I wish to join RBS and utilise my specialist skills to deliver quality work as I had done for many years prior to 2013.
7. I felt the interviews with Mark and Jim, Yourself and Linda went very well.
8. I have been proactive in maintaining my technical skils having only recently self-taught myself IIB, the new features available on top of WMB, and taking the Certification Exam. Admiitedly I fell short by 2% of the pass mark so will retake once I can afford it. I am currently studying DataPower.
Can you please reconsider the decision based upon the above.
If the decision remains to discontinue my application could you please write to me with full justification of the decision taken with reference to the above items re-equality act, discrimination arising from disability etc.
I apologise that my application is not straightforward and is causing extra time and effort. I can only hope that having come this far over now 5 months fairness will prevail. One can only hope.