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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • 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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Humbug; they've even stopped the Christmas £10 bonus!


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Just got my award notice telling me what I will be getting to live on from April 2012. My ESA is going up from £99.85 to £105.05, but I won't be getting any more because the top up payment I also get to make up for the drop in income I got when changing from Invalidity Benefit to IB, is going down by the same amount.

 

And for the first week in December a Christmas Bonus of £0.00 will be paid.

 

I used to get £10 every Christmas, but I suppose they are looking for ways of funding tax cuts for those earning over £3000 a week. What fairer way of funding cuts for the best off than in true Tory fashion by taking money from the worst off?

 

I won't be sending DC or NC a Christmas card this year.

 

No sure if its being stopped for all the other qualifying benefits, or just Contribution based ESA. There is no mention of it on my wifes pension award letter, and not as yet had letters about my DLA and Carers Allowance.

 

Its bad enough the way they are treating the sick and disabled, but his is just mean. What's next on the agenda, special squads of "officers" on housing estates to take sweets of the children of single parents?

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http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018704

 

Christmas Bonus Who is eligible?

 

 

To get a Christmas Bonus you must be a resident in the UK, Channel Islands, Isle of Man, Gibraltar, any EEA country, or Switzerland. You must also be entitled to at least one of the following benefits in the qualifying week (normally the first full week of December):

 

  • Attendance Allowance
  • Carer's Allowance
  • Constant Attendance Allowance (paid under Industrial Injuries or War Pensions schemes)
  • Contribution-based Employment and Support Allowance (once the main phase of the benefit is entered after the first 13 weeks of claim)
  • Disability Living Allowance
  • Incapacity Benefit at the long-term rate
  • Industrial Death Benefit (for widows or widowers)
  • Mobility Supplement
  • Pension Credit - the guarantee element
  • State Pension (including Graduated Retirement Benefit)
  • Severe Disablement Allowance (transitionally protected)
  • Unemployability Supplement or Allowance (paid under Industrial Injuries or War Pensions schemes)
  • War Disablement Pension if over State Pension age
  • War Widow's Pension
  • Widowed Mother's Allowance
  • Widowed Parent's Allowance
  • Widow's Pension

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Yes I looked that up to, but that would be what applies now (christmas 2011) and does not include the changes due in April 2012.

 

They do make mistakes though, I was told I hd been awarded DLA for Life and Dave said they would look after the most vulnarable in society.

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I may have jumped the gun, but the way this government seem to be intent on destroying all that my father and grandfather fought for, I am always thinking the worst. it may be that I'm going to get it in relation to my DLA or CA, and not ESA, just that it seemed strange to make a point out of saying I would be getting £0.00 as a Christmas bonus.

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Okay the way it was explained to me is that benefits are ranked. Highest ranked benefit pays the bonus.

 

In the game of Benefit Top Trumps ESA main phase (i.e. in WRAG/SG) trumps DLA. Whilst DLA beats ESA in assessment phases.

 

2010 I got a Christmas bonus paid by DLA.

 

Didn't get one this year so phoned up DLA. DLA told me that as I'm in main phase ESA it's they who pay it.

 

Called ESA who said no it hasn't been paid expect a call back.

 

ESA call back 1, No your not eligible as although you get both Conts and Income ESA it's the Income one that takes president so you will not get one.

 

Okay I think fair enough DLA premiums each week or £10 a year ~ no contest really.

 

ESA call back 2 (10 minutes later), Sorry we were wrong and you do qualify for it.

 

Next thing you know a notice arrives through the post saying Congratulations here's £20.

 

So the moral of the story is...... I don't know!

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  • 9 months later...

I wonder if her £10 was combined in with either her IS or CA is that possible? She says her payments for those vary from week to week so she never knows what will arrive. She certainly hasn't had an individual payment of £10 at all.

 

Did everyone get theirs as a separate individual payment of £10 or was their paid with their benefit?

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Got mine for the first time this year, it arrived separately.

I know I've asked a couple of times but am yet to procure an answer. Why is the bonus paid to CB ESA claimants but not to IR ESA claimants? I would have thought the latter needed it more.

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Mine was in with my regular payments

 

Did you get a letter saying it would be in with your payments or you just noticed the extra tenner so you knew it was there? And what was the payment it was included with? Only asking because I wonder if hers was the same benefit and she's just not aware of amounts like you. She's confused about her payments always.

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Did you get a letter saying it would be in with your payments or you just noticed the extra tenner so you knew it was there? And what was the payment it was included with? Only asking because I wonder if hers was the same benefit and she's just not aware of amounts like you. She's confused about her payments always.

 

I didn't get a letter. I wasn't even aware we had got the 'extra tenners' until this thread mentioned it. I went back to my online statements and saw that the payments were £10 more that week than they usually were. I hadn't even noticed at the time.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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