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    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
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      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.

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Employment Support Allowance Refusal - Next Stage Tribunal Advice please?


Wayne C
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I am writing this for my friend who is in the process of appealing against Zero Points at the Atos Medical and 0 Points he recieved over the telephone in an unexpected phone assessment at 8.45am a couple of weeks ago via a DWP assessor

 

My friend suffers from the following things which severely limit his day to day activities, so much so that I am having to ask these questions for him!

 

1. Ostemyelitis - infection of the leg bones in the past which causes pain and swelling to his lower limbs

2. Depression - On Medication for this

3. Anxiety and problems interactiing with others due to stress - he is seeing a Cognative psychotherapist to help him interact with others

4. Urinary tract disorders which givce him constant pain and as yet have yet to be identified why

5. Back Problems

6. Hypertension ( diagnosed two weeks after his appeal )

 

When my friend had the initial atos medical he was in a severe anxiety state to the point of feeling on the verge of being ill in the medical room the assessor ( doctor ) took no interest in this and continued to ask the questions, the lady who phoned him asked about other things which he says he told her about on the phone but there was no alteration in her assesment he still recieved no points what so ever!!.

 

He is very worried about what to do where to turn to and got so stressed reading the 60 page document they sent ( including the medical practitioners report which seems to disregard most of what he tells me he said in the room.

 

He has 14 days to send the letter to the local tribunals service please can anyone offer advice as to what he has to do.

 

Thanks Wayne

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Hi Wayne,

 

I'll do my best to help.

 

I'm a bit confused when you say that "he has 14 days to send the letter to the local tribunals service..".

 

You need to send the appeal form into the DWP / BDC, and not the Tribunal Service.

 

First things first (I've been through the Appeal process myself once before, and am going through it a second time currently).

 

Download the DWP GL24 Appeal Form here -

 

http://www.direct.gov.uk/en/Diol1/DoItOnline/DG_4017514

 

Print it off, and fill it in, stating that you wish to appeal against the decision of finding him 'fit for work', on the basis if his ill health (specifying briefly the health issues).

 

Send it Recorded Delivery. You must send it asap - ie within 14 days of the date of the zero points decision, to his usual local DWP / Benefit Delivery Centre office; ie - the same address to which your friend sent his Doctor's Notes.

 

Once he's done that, come back to the forum, and we'll kindly help you with what to do next.

 

:)

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Hello to add some things

 

he has had the Medical after filling in the pack initially last September, He was denied ESA as he scored 0 points, he appealed filling in the form and sending it in within the specified time frame, is now on ESA assessment level of £65 a week, the lady who phoned him was a lady who re assessed his condition over the phone, she was only on he says for 5 minutes he has received her letter which again gave him no points , next stage is the Tribunal

 

so in a nutshell he has

 

1. Had Atos Medical

2. Recieved Zero Points letter

3. Appealed with the relevant form

4. Been reassessed over the phone ( he was totally unprepared for this and had been up all night the night before and tired out )

5. has just got a letter from the Tribunals service saying he has 14 days to either say yes or no to a tribunal

 

IS it true that they only look at how he was on the date of the medical on November last year as he is significantly worse than he was then probably due to this I may add!

Edited by Wayne C
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Technically yes they look at how he was then. Also would add that diagnosis in itself means zilch wrt an ATOS medical so the list of diagnosis is irrelevant to it. What matters is whether your friend can do x, y and z tasks. So his evidence needs to say what s/he can't do and why, sometimes the why can involve a diagnosis but you would need to expand on why practically as to what s/he has difficulty doing.

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Hello to add some things

 

he has had the Medical after filling in the pack initially last September, He was denied ESA as he scored 0 points, he appealed filling in the form and sending it in within the specified time frame, is now on ESA assessment level of £65 a week, the lady who phoned him was a lady who re assessed his condition over the phone, she was only on he says for 5 minutes he has received her letter which again gave him no points , next stage is the Tribunal

 

so in a nutshell he has

 

1. Had Atos Medical

2. Recieved Zero Points letter

3. Appealed with the relevant form

4. Been reassessed over the phone ( he was totally unprepared for this and had been up all night the night before and tired out )

5. has just got a letter from the Tribunals service saying he has 14 days to either say yes or no to a tribunal

 

IS it true that they only look at how he was on the date of the medical on November last year as he is significantly worse than he was then probably due to this I may add!

 

Ok.

 

Yes, your friend now needs to send back the form to the Tribunal Service, confirming that he does want a Tribunal Hearing.

 

Remember - Don't tick the box, where it says "Are you available for an earlier, short notice Hearing?"

 

This will give your friend a good six months to prepare.

 

Your friend can seek help with preparing his Appeal letter from the CAB. They may attend the hearing with him too.

Edited by lee100
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Hello there.

 

There's also the forum sticky on appeals and tribunals. Even if your friend has help from the CAB, at least one person from the forum used the sticky template for their submission for the tribunal and Welfare Rights said it was very helpful.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hear, hear HB!

 

I have to thank you HB for originally posting your sticky template for the tribunal.

 

I won! (Eighteen months back now)

 

Silly me, pushed myself back into work too soon.

 

So, had to back to assessment rate (CAB are appealing this, as it seems my WRAG should've been reinstated), have a second medical, and now an upcoming second appeal!

 

:|

 

Thanks again though HB, for your helpful template.

 

Wayne, have a look. It's a great format to use.

 

:)

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PS - Just hope I win my second one.

 

Very stressed but I'm prepared this time, and have had kind support from the CAB.

 

The CLS lady will also be coming with me to the Hearing.

 

Sorry Wayne. I'll shut it now!

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can you provide a link to the template please?.

 

Also I have just re read his Atos Assessment and the Dr who was an assessor was very aggressive in tone with him and repeatedly said " I didnt ask you that" and also said on many times " I Dont understand what you mean?, but has put on the assessment Efficient communication???

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can you provide a link to the template please?.

 

Also I have just re read his Atos Assessment and the Dr who was an assessor was very aggressive in tone with him and repeatedly said " I didnt ask you that" and also said on many times " I Dont understand what you mean?, but has put on the assessment Efficient communication???

 

Hi,

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?251737-Appealing-or-going-to-a-Tribunal-Some-useful-information(1-Viewing)-nbsp

 

:)

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Wayne, what you've illustrated will be a good point to bring them up on, in that what was said at your friend's assessment, contradicts what is in his report.

 

Follow the template, and go through point - by - point on his report, marking any discrepancies.

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Im a bit concerned though as the assessor who wrote the report seems to have carried on regardless , he told her he felt physically sick and asked for a drink of water, she still ploughed through with the barage of questions telling him as I say " I dont ask you that!! " , Apparently the lady who re assessed on the phone siad that any complaints should be sent to Atos, seems bizarre considering they based their assessment on this report and agree with the findings after re assessing.

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Wayne, I'm afraid what you're telling us is normal here. Have a read around the forum and you'll find countless examples. It happened to me too. I think it's partly the LiMA software and the dropdown box options, but the assessors really don't get good press.

 

The only thing you can do is use the DWP's own system against them, which is what the template does.

 

I won my tribunal, I now know lee100 did [signature changed btw, you're on it now] and a few other people from the forum have as well. I hope there are others who haven't told us, I'd be very happy to hear if they did.

 

HB

Illegitimi non carborundum

 

 

 

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Wayne, the woman sounds utterly atrocious!

 

Par for the course though. Ask your friend to try not to take it personally, as most people 'fail' these assessments, only to win their appeals.

 

The CAB will also put in a formal complaint to ATOS, on his behalf (mine has done just that).

 

He'll be ok.

 

:)

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Can I ask please if they they only go on the interview medical thing how will he have a hope of winning this thing?, if they dont consider anything after the Medical took place, he tells me that they didnt really ask him anything about how he felt in himself and looking at certain areas of the form Atos did they said, did not appear to be trembling wasnt sweating over much etc, surely saying you felt sick and such is a sign your not up to the drilling they give out!!

 

I mean just because someone isnt sweating like that Comedian fella at mEdical and not shaking like a leaf doesnt correlate to how someones thinking inside.

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The tribunal panel will listen to and believe what your friend tells them about his health. Any supporting evidence from his medical advisers will also help.

 

Please try not to get too hung up over the unfairness you see in Atos; it's something we all have to deal with. What you and he need now is a logical argument against their report.

 

And who knows, maybe the DWP decision maker will overturn the decision before it goes to tribunal.

 

HB

Illegitimi non carborundum

 

 

 

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And who knows, maybe the DWP decision maker will overturn the decision before it goes to tribunal.

 

HB

 

 

The person DWP rang him up the day after he went to a funeral at 8.45 in the morning he told the person all about the way he felt etc she was on 5 minutes and said she would re evaluate his points guess what Zero Points???

 

A;so it siad no supporting evidence supplied , none was asked for in the phone call and it was completely out of the blue, sort of like a telephone marketing thing

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Can I ask Honeybee since he has had the medical he has been referred to a Psychotherapist as he hardly leaves the house and then reluctantly is that relevant to his case, I feel its relevant but I read earlier that they only look at what was put on the assessment form, surely drs letters stating that he has mental health issues, which the GP states haven't been helped to improve via this appeal are relevant

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If by assessment form you mean Atos, then absolutely doctors' letters are relevant. You're into tribunal territory now and it's different.

 

If I may, I would suggest that you read some other threads about people here who've been to tribunal because there are lots. My own experience is limited to my own tribunal and you need more information than that.

 

HB

Illegitimi non carborundum

 

 

 

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