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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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how to fill in esa50 for mental health discriptors


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Has anyone idea how to fill out esa 50 for mental health problems. I left my last job had a breakdown at my desk due to stress and incredible pressure. Cannot cope with stress and pressure it makes my illness worse. I had a hospital admission in January 11 do I mention it even though it was not in the last 3 months. My local assessment centre is in croydon. I could not cope to travel there via car or public transport and i suffer terrible anxiety in waiting rooms anyway, when I see my Gp I have anxiety sitting in the waiting room to see her and I have had the same gp since i was 13. I do not cope with change and I litteraly go to bits. Have a history of sucidial attempts/thoughts and self harm, would all this be reveleant. Any advice would be appreicated. When I had my desk job I could not sit for more than 40 minutes as I got very restless and my thoughts would intrude causing my concentration to flee and I could not complete work assisgnments, is this relevant too? I cannot watch tv for long it doesn't hold my interest, and cannot concentrate. I am not sure what to put as my condition fluctuates over a day I have rapid cycling and it makes life incredibly difficult to do the most simple things.:!:

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Can you find a number for your local Welfare Right office (we can contact ours via our local council). I am sure if you explain things to them, they may get somebody to come to your home to help you fill the forms in.

I am not sure what to say regarding your travel to your local assessment centre, but I am sure somebody on here will have some advice for you. Again, your Welfare Rights dept may be able to help you with this.

 

Good Luck

 

HB x

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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my condition fluctuates on a hour to hour and unfortunately minute to minute. It has a major impact on my life, and like i said in my earlier thread, I ended up in hospital earlier this year as I was dreadfully depressed. I almost ended up in again in may but had the assistance of the home treatment team. Do I mention this on the form. It was not in the last 3 months but they should not disregard hospital admissions at all as it has a major impact on any condition and everyday life.

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Is there a page for any other information? (we are waiting for the dreaded ESA form to land on our doormat).

I think I would put it in there if there is no place for it on the form. Have you been receiving DLA up to this point?

 

Bit of a personal question and you don't need to answer - just and idea. Do you have a social worker? If you do, he/she may be worth their weight in gold when it comes to advising you on this form. x

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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