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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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Forgot to sign on and Carer's Allowance


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I stupidly forgot to sign-on last Wednesday (1st of June) I was at a review the week before and I mistakenly thought I was to sign next Wednesday, when I was updating my job search diary I realised, I was over due to sign on, I tried phoning them but they where closed. I will phone on Monday and plead my case of confusion about the review and signing-on, going by this on the internet, I will probably have to attend a interview and lose a weeks benefit. Does this make me the Muppet of the week. lol

 

My wife lost her carer's allowance as she got a wage rise and went £3 odds over the £100 limit, as I am signing-on I decided to claim the carer's and take over the care of our disabled son, as I only get £6.30 per week CJSA, and I assume I will lose this amount from the carer's, so the question is :-

 

Would I be better to sign-off and claim the £31 carer's premium on top of the carer's allowance.

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Now i am confused, can you explain.

 

I was under the guise that what ever I get from carer's, minus my jsa,,,, ie, jsa £6.30, carer's £55.55, so in total I would get £49.25 from carer's or do I sign off and claim carer's only and the carer's premium.

 

From the carer's/directgov website,,,,

 

How much do you get?

The weekly rate is £55.55. This is reduced by the amount of certain other benefits, including State Pension, that you get.

If you receive certain other benefits at £55.55 or more a week, you won't get Carer's Allowance as well.

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OK now I understand, so I should sign off from jsa and then claim the carer's premium along with the carer's allowance.

 

I will phone the carer's number on Monday and confirm with them what what I should do.

 

Thanks for all of your help.

 

James

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Not true sorry. You can claim carers allowance and still claim for Job Seekers Allowance. As long as you are caring for someone 35 hours per week (which could purely include nights and sleeping times) and you are still actively seeking and available to take employment you can continue to claim JSA.

The only problem is that you state you are receiving £6.30 JSA. Do you have another form of income to reduce your contribution based JSA for example a pension? You receive JSA © so you will also be affected by the overlapping benefits ruling which could mean that you would receive either JSA or Carers Allowance as you cannot receive a contribution based and carers allowance together so you need to consider which of the two benefits is best suited to your circumstances.

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Hi flumps,

 

I receive income based jsa and with the wife working part-time I receive £6.30 jsa,

 

Yes I am still seeking work and I do care for our son, He is a 20 year old man with downs syndrome (he cannot tie is shoe laces, so yes a lot of caring)

 

When I was working (night shift), I was the daytime carer and the wife was his night time carer, and when I get employment, I will more than likely lose the carer's allowance, unless I get a job paying less than £100.

 

cheers

 

James

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Thebigdaddy sorry I thought I read in you original post £6.30 CJSA.

 

Should be no problem with you receiving the carers allowance, how many hours is your wife working now? Not sure if you could possibly change in the short term to Income Support until you find employment that fits in around your caring responsibilities. If you wife works under 24 hours per week then you can consider transferring to Income Support and you can continue to look for work but without the ties of a Job Seekers Agreement and the fortnightly visits to sign on.

 

You would only get the £31 carer premium either through your Job Seekers Allowance claim (this would have been payable to your wife as she was a carer on the claim and therefore entitled to receive that as part of your joint award) or through a claim to income support.

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Hi flumps

 

The wife works 12.5 hours, and yes we do receive the carer's premium just now but they reduce my IJSA accordingly, I will phone the carer's number on Monday and discuss this with them and I will probably sign off, claim full carer's allowance and the carer's premium. Does this mean I don't have to phone the jobcentre and confess myself as a Muppet for the confusion about my sign-on day :-D

 

Thanks for all of your help.

 

I will come back Monday and let you all know how I got on.

 

cheers

 

James

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If you don't contact the Jobcentre to arrange to go in to sign on Monday then your claim will be closed on Thursday morning marked as failed to sign and you will not receive any further payments of JSA.

My advice to you is to do as follows.

Contact your JCP office on Monday and sign late and complete the relevant paperwork giving your reason for not attending on your required day (Weds 1st June) you may receive a letter explaining that a doubt has arisen on your claim as you failed to attend on your correct signing day (this is a standard procedure and depends on the reasons for not attending and if good cause can be established or not by the Team Leader in you JCP office).

Obtain and complete the claim for for carers allowance, http://www.direct.gov.uk/en/Diol1/DoItOnline/DG_4017542 this link means you can either aply directly on line or download and print off the form. Inform the JCP office when you attend that you are claiming for carers allowance and ask for a meeting with your adviser to alter your Job Seekers Agreement due to the change in your household circumstances (you may get a same day appointment or an appointment for a futture date).

I would continue with the claim for Job Seekers Allowance until the Carers Allowance is actually awarded to you as if you closed your claim now Income Support could not apy you anything until the decision to pay carers allowance is made which would mean no help with prescription costs for you or your wife, no he4lp with housing costs as they would be suspeneded until the decision is made so it is far easier to continue as you are currently, the carers premium will continue on your JSA claim so your entitlement should not end and your JSA would actually increase as there will be no carers allowance to reduce your JSA award.

I hope this makes sense if not shout and I'll try again.

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Hi flumps,

 

The carer's allowance as been award 31 may but I do not get a payment till 4 july, as they need to contact my local jobcentre and confirm my jsa payments. backdated to 2 may (start of claim)

 

I will do as you have said I will contact jobcentre Monday and plead my moment of madness and hope they continue jsa if I lose some because of my mistake then so be it, it was my fault. And I will speak to a adviser and see how they wish to proceed with the jsa and carer's.

 

Thanks for all of your help.

 

James

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Good luck for tomorrow, with luck you can get an appointment through to sort out your new temporary Job Seekers Agreement. Although as ther carers has been awarded from 31 May you could discuss closing your claim nfor JSA now and claiming IS as the Carers Allowance award has been made so there is no reason that they can't process the IS claim. Any problems ask to see the Customer Service Adviser to conduct an AJCS (Accessing Jobcentre Customer Service) appointment.

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