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    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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ESA85 ---ESA85A what is the diffrance


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just about to my tribunal paperwork and I was wondering what is the diff. between ESA85 and ESA85A

 

Also on medical report form

ADVICE

I advice that the person meets the criteria for having limited capability for work.

PROGNOSIS

I advice that a return to work could be considered within 18 months.

if advice to return to work 18 month why I am in wrag for one year

this person who have produce esa85a has lied so much are doctors allowed to lie? where is ethics?

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:udaymorjaria:

 

An ESA85 is the report from a face to face assessment with a Atos assessor for employment n support allowance, cos of limited capability for work/work related activity.

 

An ESA 85A is a report from an Atos assessor on a claimant's limited capability for work/work related activity without a face to face assessment.

 

The Atos assessor's prognosis is only a recommendation which can be, and frequently is, over-ridden by a Jobcentreplus decision maker.

 

Atos and acceptable ethics? Tis my opinion that they're mutually exclusive. Their assessors are given targets (evidenced by the fact they get audited if they make too many recommendations of limited capability for work related activity) which, if followed and claimants don't appeal, will reduce Government spending on income replacement benefits.

 

Best wishes for your appeal, Margaret.

Edited by **Margaret**
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Also tho the reports been overriden can be not in the claimants favour as well as in their favour, some people may assume wrongly if they dont get SG that it is down to ATOS.

 

I wonder how common it is for atos to reccomend SG but then the claimant gets WRAG.

 

Sadly tho I still dont have my ESA85 dispite requesting it multiple times and since my SG appeal didnt proceed due to successful reconsideration I will probably have to do a SAR to get it.

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well I guess that's an interesting point, as they say it is always the DM's decision in the end. Hence the job title. However there were so many lies on my atos report that the DM couldn't realistically done anything but found me fit, the tribunal on the other hand thought differently, thankfully.

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That's ridiculous. Obviously, I know very little about your situation; but a lot has probably changed in the last 18 years. Don't understand how they can use an 18 year old sick note.

 

I was going through paperwork which I received from DWP. D.M has not received copy of esa50 from ATOS my esa50 was received by atos but they lost it and dwp has tried there best to find but cannot find ( funny never ask me if i have copy of esa50) also d.m said in tribunal paper that i did not send any further evidence with my gl24 ( well I did send letter from my cons. from hospital clearly saying I can not walk more then 10 meters)

so much waste of tax payer monies tribunal time and above all it is stressful like hell until I get decision from tribunal

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That's ridiculous. Obviously, I know very little about your situation; but a lot has probably changed in the last 18 years. Don't understand how they can use an 18 year old sick note.

 

Yes Nystagmite lot of changes all for the worst 39 tab. a day with nine injection a day but that is life

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