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    • No hard or fast rules ...if you have referred to it or intend to refer to it and rely on a document as evidence it goes on the list as an exhibit. No you can raise that within your statement but remember that sec 69 is at the discretion of the court a judge may allow the full amount claimed or reduce it to a lower % or none at all. Yes the claimant must serve their N265 on you...any document on theirs that you do not have you can request a copy and then use in your statement. Will it assist your defence ?
    • Hi all, I have previously been helped by the wonderful people on these forums, which helped me out of debt and to a much stronger position that I am in today, for which I am eternally grateful. My debts were all cleared, I now have no debt (apart from a mortgage) and an excellent credit file. I did also show my gratitude with a donation, which even if it helps just one other person out of spiralling debt, it would have been worth it. Sadly, my elderly parents did also run up some debts a few years ago, some through loans and some through credit cards. A few years ago, my father had a medical episode which has left him paralysed on one side of his body and now is confined to a wheelchair, and is pretty much non verbal (he can only manage a handful of words, and gets confused easily). I'm seriously not sure how far any County Court Action would get against him due to his current state, if any of the DCAs were to proceed down that route. Luckily nonw have tried, but can only think that any action would be discontinued by a judge. Before his medical episode he did set up a payment plan with some of the DCAs that were chasing him, which have continused being paid to this day from his bank account. They are literally minimum amounts, but obviously these actions have kept those debts current. However, some of the other debts have since become statutory barred due to the time elapsed since the last COA. My mum does have Power of Attorney over his financial affairs so can act on his behalf, with me as backup if god forbid anything happens to my mum. Their wills are set up for everything to go to the other should either of them pass away, and then to their children upon the passing of both of them, with myself being named as the executor on both of their wills. I have recently been reading up on the role of an executor, and part of the duties is to pay any outstanding liabilities before distributing the remainder of the estate. I have seen, in several instances, of a recommendation of posting about any death in the local newspaper column and the gazette to limit any future liabilities as executor in case of any debts that are unknown to myself. But this does lead me onto the debts I do know about. Am I right in thinking that the current debts that my dad has been making token payments on would have to be repaid in full to the DCAs upon his death? If that is the case, is it worth negotiating a full and final settlement, with a discount, on his behalf now? And with the debts that are statutory barred, am I correct in presuming that they would not need to be paid upon my dad's death as they wouldn't be legally enforcable in court? Thanks in advance for all of your help!
    • Hello AndyOrch For the n265 please would the below list of documents be sufficient ? 1. Pre-Action protocols. Claimant confirmation that they have not complied or have only partially complied (last page of claimants N181 Direction Questionnaire) Dated 16/04/2024 2. Copy of the Lease - Dated 4th September 1998 3. Statement of account (up to 1st Feb 2024) - Dated 20/02/2024 (This shows a slightly different balance to the one included in the Claim form as theirs was only up to 24th Jan 2024) 4. CPR 31.14 Request - Dated 28/02/2024   With regards to the Claimants claim for interest under Section 69 of the County Courts Act 1984 where the amount is incorrectly calculated due to the account balance and also appears to be duplicated, should I list their POC ? Additionally should I include any e-mail exchanges (I don't have all as some went to junk and auto deleted due to an issue with my e-mail account and I was reliant on my phone for seeing e-mails) ? I don't have the last e-mail that was sent prior to the claim being issued. I guess that I can ask the claimant for a copy of this one ? The claimant has refused to action the CPR 31.14 request.  Regarding the Section 20 notices relating to the major works, should I include if we have a copy ? Is there anything else that I should include in the list relevant to our defence ? Will the claimant send us a similar list via N265 ? They did include a Continuation Sheet with their N244 giving a background of the case. Just wondering how we know all of the documents that they will rely on.   As always really appreciate any help and guidance that you can provide.
    • What was the agreement start date you have obscured on the Termination Notice ? How much was added from the previous loan ?
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ESA Medical


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i have been off work since June with back pain (REAL I SWEAR) i usually work full time in a busy optitions and am used to be running around all day this back prob has come out of nowhere :Cry: i have been on esa since end dec and have to go for the medical on the 13th march and after reading your forums i am really worried what happens if i get turned down (this seems to be the normal outcome) does that mean i will have no money coming in ? my job is still being kept open at the moment and i have physio 2 x a week and seeing ortho team next week too any advice on both the actual edical and the likely outcome would be greatly appreciated

thanks

jacquie

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It is true that a large number of people "fail" the medical, that is, are found not to be entitled to ESA. I have never claimed ESA, I am an ESA processor, so I can't tell you anything about what the actual medical is like. Nor can I tell you if you're likely to pass, so please don't take the rest of this post as an indication that I think you'll have problems - I have no idea. If you pass you'll get more money (from the 92nd day of your claim) and all will be well, so I'm really just providing these comments so that, should the worst happen and you don't pass the medical, you have some idea what to do next.

 

You have the right to appeal the decision if you do fail, and if it is your view that the decision is wrong, appealing the decision is what you should do. You can ask for form GL24, the appeal form, or you can simply write a letter to your Benefit Delivery Centre. If you write a letter, be sure to state in it that you wish to appeal, specify what decision you are appealing, and give your reasons. Something like:

 

"I wish to appeal against your recent decision to disallow my ESA, communicated to me in your letter dated dd/mm/yyyy. I believe this decision to be wrong because..."

 

and be sure to sign the letter.

 

When your appeal is received you will be entitled to ESA at the basic (assessment phase) rate until the independent tribunal reaches a decision. Your payments may be interrupted for a couple of weeks, but provided you continue to submit medical certificates, you will be paid ESA. The Tribunals Service should contact you with more information about how their processes work, but you do have the right, if you wish, to appear in person at the tribunal to state your case. Most of the anecdotes I hear suggest that appearing in person is a very good idea.

 

Hopefully all will go well for you on the 13th March, and you can ignore everything I've written. But it's always best to be prepared.

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The most important thing is not to worry about your medical. Just go along, be honest, be sociable and don't be surprised if you score null points. If you score any points at all look at it as an amazing success. You may of course pass, I am deliberately going through the pessimistic view.

I think what I'm trying to say, is that if you don't initially succeed, don't take it personally.

The ethos behind ESA, in my view, is laudable. Those who are able to work to be helped to do so. Unfortunately it's ended up as a horse designed by a committee and the result is a camel.

The last thing your medical will be is a, er, medical. It's an assessment as to what you are capable of doing. The Doctor / Nurse that conducts it will be restricted by a computerised questionairre from which they cannot veer. If you say something that does not fit the bill it will be ignored.

Being medically qualified they can, of course, ask you to touch your toes, put your hand above your head, stick your tongue out and say 'ah'. But that's about as scientific as it gets.

The room that mine was held in was clearly shared by many. As hygenic as the average broom cupboard and devoid of any trappings associated with your local surgery. This is health assessment 1940s style.

The single biggest flaw in the system is, as usual, glaringly obvious. In order to assess what you are capable of doing we should first assess what you are not capable of doing. Never before have I seen a one-sided coin. Your professionally assessed medical history will be deemed irrelevant.

I truly hope you pass, just don't be surprised if you don't.

We can't really blame ATOS. They won the contract fair and square. Clearly they were the lowest bidder. By far. They can, however, only report back the data they have been instructed to collect. The decision itself will be made by the DWP Decision Makers. These are the fools who bought the camel in the first place thinking it was a horse.

The only 'good' news is that - if you have to appeal - ESA continues at the assessment rate for the duration. Average wait 9 months.

Best wishes.

Rae.

 

[Pssst! wanna buy a horse???? ;) ]

Edited by RaeUK
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ooh lol i could'nt get on a horse let alone a camel ha well i can stick my tongue out and lift my hand the toe touching will not happen tho :( cos my leg is affected i need a stick and usually land up nearly bent in half by the end of the day so i expect i will fail !! thanks so much for your advice i have always worked so first experience of the benefit system and it is unbelievable i am having to go to interviews at a county training place and have had a pathway interview (within 3 weeks of claiming) and have to explain that i do actually have a job but i am physically unable to do it at the moment but hopefully they will sort it eventually and i will be back to normal. It amazes me that i know of umpteen people who have never worked through choice not illness physical or mental and they just carry on without all these various interviews ect !! Dont figure !!

thanks again for your advice

xx

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Hi there jacbrass. I agree with everything Antone and Kelcou have told you. I would take the pessimistic view, having failed my Atos assessment. The tribunal service is much more fair and will take your word about your problems, also independent medical opinion, if you have it in writing. Do you have a blue badge, for example, as other proof?

 

As Antone says, it's much better if you can attend to tribunal if you go that far, so they can see how you look and of course, you have your say. We won, so I know the system works.

 

If you're sent to see Atos, as others have said recently, don't put a brave face on it because they will enter positive answers on the computer system.

 

Please keep in touch with us. HB x

Illegitimi non carborundum

 

 

 

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i havent applied for a blue badge how do you do that and i thought you had to be very very bad to even consider that i cant walk too far and need a stick for most things. Sorry to be such a numpty as i said i am a bit dumb as far as the benefit side of things are concerned x

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Hi. I don't know a lot about blue badges myself, but my father in law can't walk very far at all without having to stop and have a rest, and he has one. I would start at your GP's surgery.

 

Kelcou has recently done this and I hope she might shed some light on it.

 

HB x

Illegitimi non carborundum

 

 

 

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Hi jacbrass, from reading your post you are clearly 100% fit :)

The Blue Badge scheme is a national scheme run through your local council. In my area the County Council handle initial applications and the District Council handles renewels. There shouldn't really be any regional deviations...

There are two routes to acquiring one. Either being in receipt of Higher Rate Mobility DLA [automatic entitlement, and quite right too] or the Discretionary Award. Obviously, I went for the latter.

My first stop was a chat to my GP about it. She confirmed the main criteria would be 'does walking 50 - 100 yards cause severe distress or discomfort?'. We both knew the answer to that one! She added that the fact was also in my medical notes so anyone who has access to them would know.

I then completed the online application. Less than 48hrs later I had an email confirming it had been approved.

The Badge costs £2, a car window sticker £1 and - the most expensive part - 2 passport sized photos £4.

The only possible niggle I can imagine would be how long are you likely to have mobility problems? I think the Badges run for three years at a time.They don't issue short-term or temporary ones. I mention this only because I don't know your prognosis. I'm sure it should be fine though. Just check with your GP.

Best wishes.

Rae.

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  • 3 months later...

I am really worried. I have a severe visual impairment and I have been asked to attend an esa medical. I am scared what they will do, what questions they will ask me. My vision is approxomatly 20/150 and there are so many things I am unable to do by myself, for example, I can't cook a meal for myself, go out by myself I can't even make a cup of coffee by myself and I have been asked to attend a medical, what other evidance do they need. Cor, I am asking for help to get employment, I am hoping to be put into the work group, what a blooming farce to go through all this to get the help and support you really need. I am a born again christian as well, so no way would I lie about my own disability. Don't They know when someone is genuuine.

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Hi upsetnanny and welcome. The ESA / ATOSH assessment is a worrying time indeed!

Click on the link I've provided and you can start your own thread which will get you more response.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=160

 

Hunni, you should do as you will naturally want to do - be honest and answer questions fully. Unfortunately, that doesn't seem to cut much ice with ATOSH and the modern day DWP.

But, here at CAG, you are amongst people in the same boat. It is early days but we are all slowly learning how to row together and we'll do our best to support and advise you.

Best wishes

Rae

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  • 4 months later...

Hi all well i have my appeal today landed up with 12 points and i am really no different have the speciallist on the 11/11/2010 and not sure what they will come up with. My job has now gone only last month though so they were really patient but very nervous about today any advise would be very welcome xx

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