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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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ESA medical UPDATE post #30


phil76
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Hello everyone im new here,

 

I suffer with anxiety and depression and have a medical on friday with atos,and am worried about failing the medical,i really suffer with my problems and unable to work at the moment so getting my esa stopped really worries me,since getting the letter about the medical i felt worse and has even made me cry with worry,

 

Had a look on internet and seems alot of people fail these medicals,what are the medicals like?any help appreciated

 

Thanks

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Hello Phil, welcome to the forum.

 

Leemack has a great sticky about these assessments. We don't call them medicals here :). To find the stickies, use the back arrow to come out of your thread, then scroll up to the yellow part above the thread titles.

 

If you have more questions, please come back to us.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thankyou so much leemack for all your help,hopefully i wont have to go through appeal process but at least i can still claim some money during appeal if i have to,

 

Thanks again

 

Phil

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Thankyou so much HoneyBee:-) i will let you all know when i get the decision which will probably be in a few weeks although i think i probably already know what it will be:sad::sad: but fingers crossed

 

Phil

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Thankyou leemack:-)

 

the lady who saw me at assessment seemed nice anyway so its just waiting now to see if ive passed or not,will let you guys know how i get on as soon as i get the results

 

Thanks again leemack and Honeybee for your help:-)

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Thank you Honeybee:-) yeah will definately let you know what happens

 

Was just wandering the people who actually see you at the asssessment,do they know straight away after your assesssment if youve passed or not?

 

Thanks

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I think they would have a pretty good idea whether you have passed or not but the DWP have to decide based on the assessment.

 

My assessor was pleasant but only gave me 2 points I found out 2 weeks later. A smiling assassin if you will.

 

Her report on what I said at the assessment was fairly honest though and I won my appeal.

 

Good luck to you and remember a negative decision is not the end of it, you can still win.

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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My incapacity benefit was stopped in March 2010 and in June I was told my tribunal would be in August but it ended up in November due to the backlog.

 

So 8 months. But a week before the tribunal the DWP changed their decision and reinstated my benefit with back-pay.

 

Great but I will be back on the nonmagical roundabout as soon as they shunt me onto ESA.

 

I say roundabout because that's what it is for a lot of people, even when you win you can be re-assessed and lose only to win on appeal and so on.

 

I don't think the average taxpayer would be so pleased about "welfare reform" if he/she knew all this. :|

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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You have been awarded ESA and you will not be expected to work.

 

Congrats to you.

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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Thankyou dj,and i would like to thank everyone else,really appreciate all the help you gave me:-)

 

Am i right in saying i still need to give sick notes from my doctor for my payments?

 

Thanks again everyone

 

Phil

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Hello everyone

 

I received a letter this morning, its about my medical assessment,it says i have been placed in support group and my money will rise,does this mean i have passed my assessment?and what does support group mean?

 

Thanks

 

Phil

 

That was a quick reply after your medicle less than a week...:madgrin:

Yes PHIL you have passed!!!!! no more sick notes.

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Yes, once a decision is made following a medical, certs are no longer required as it has been determined that you are not fit for work.

 

I bet that's a huge weight off your mind!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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