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    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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ESA suspended


sarahhorton
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Hi I urgently need some advice/help. I have a friend on incapacity benefit which i believe is now esa. She have been NFA - no fixed abode, as far as income support. But she moved into a few months ago but forgot change her NFA status.

 

She has correspondence mail to me (including benefits P.O payment letters to me) as a safe postal address. Her money was stopped recently, she didn't know anything about it until it didn't go in around 22 December I received no letters from anyone, she did not either.

After much to-ING and fro-ING it seems it it the compliance department around 10th December, that have tried to contact her (first by standard letter) and then (i think)by telephone and because she always loses her mobile, changes number, could not do so.

 

At present we do not know where letter was sent. The letter stated for her to attend an appointment. no information on what the appointment is has been given by income support, as complience team i different. It should have come here as a c/o address, but didnt. approx 10th december 2013.

 

We were told by income support that they then tried to contact by telephone but to no avail and her money was then suspended. we were tolds this is standard practice. IS THIS TRUE?

 

She suffers from severe social anxiety, BDD and post traumatic stress, She had to have major operations upon her face a few years ago, maxifacial reconstuction, due to a terrible mugging. The |Surgical term a

zygomatic osteomony. The BDD was long before the operations.

 

She has been written off to such an extent that even ATOS appointments have rescinded appointments once relevant doctors notes have been sent. I'm assuming that the problem is therfore, because she has not been to an atos apointment (though many have been made and then rescinded) and is on esa

 

long term, and constant moving address, and the NFA, hostel address with housing benefit , and the c/o address all being different, it may be the suspicion of fraud? i.e they want to check this person exists?

 

also before she went NFA no fixed abode she was living in the same areas as the c/o address, now she has moved to a different area so the hostal address is outside her previous income support area, though close by.

 

One final point, she always loses her P/O benefits cards, and constantly has new ones. would this have flagged the system as well?

 

she is scared terribly that its something to do with atos, or something. can someone shed some light on this situation as she does not understand, considering they would have medical info (correct?) on her disabilities, that she should be asked to come in for an interview, when even ATOS have said she does not need to come in. she is fearful. and extremely worried. can any relevant problems be done over the phone? income support could offer no more info, and the compliance team are not around till Thursday, she is not sleeping well

 

can someone full answer these points? thank you

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Sarah's previous thread

 

http://forums.moneysavingexpert.com/showthread.php?t=4619471&highlight=

 

http://dwpexamination.org/forum/general-discussion/atos-advice-urgently-needed/

 

http://forums.digitalspy.co.uk/showthread.php?t=1830566

 

---------------------------------------------------------------------

 

 

Hi I urgently need some advice/help. I have a friend on incapacity benefit which i believe is now esa. She have been NFA - no fixed abode, as far as income support. But she moved into a few months ago but forgot change her NFA status.

 

She has correspondence mail to me (including benefits P.O payment letters to me) as a safe postal address. Her money was stopped recently, she didn't know anything about it until it didn't go in around 22 December I received no letters from anyone, she did not either.

After much to-ING and fro-ING it seems it it the compliance department around 10th December, that have tried to contact her (first by standard letter) and then (i think)by telephone and because she always loses her mobile, changes number, could not do so.

 

At present we do not know where letter was sent. The letter stated for her to attend an appointment. no information on what the appointment is has been given by income support, as complience team i different. It should have come here as a c/o address, but didnt. approx 10th december 2013.

 

We were told by income support that they then tried to contact by telephone but to no avail and her money was then suspended. we were tolds this is standard practice. IS THIS TRUE?

 

She suffers from severe social anxiety, BDD and post traumatic stress, She had to have major operations upon her face a few years ago, maxifacial reconstuction, due to a terrible mugging. The |Surgical term a

zygomatic osteomony. The BDD was long before the operations.

 

She has been written off to such an extent that even ATOS appointments have rescinded appointments once relevant doctors notes have been sent. I'm assuming that the problem is therfore, because she has not been to an atos apointment (though many have been made and then rescinded) and is on esa

 

long term, and constant moving address, and the NFA, hostel address with housing benefit , and the c/o address all being different, it may be the suspicion of fraud? i.e they want to check this person exists?

 

also before she went NFA no fixed abode she was living in the same areas as the c/o address, now she has moved to a different area so the hostal address is outside her previous income support area, though close by.

 

One final point, she always loses her P/O benefits cards, and constantly has new ones. would this have flagged the system as well?

 

she is scared terribly that its something to do with atos, or something. can someone shed some light on this situation as she does not understand, considering they would have medical info (correct?) on her disabilities, that she should be asked to come in for an interview, when even ATOS have said she does not need to come in. she is fearful. and extremely worried. can any relevant problems be done over the phone? income support could offer no more info, and the compliance team are not around till Thursday, she is not sleeping well

 

can someone full answer these points? thank you

 

 

 

And here http://forums.moneysavingexpert.com/showthread.php?t=4856693

 

as Problem1

 

 

Hi I urgently need some advice/help. I have a friend on incapacity benefit which i believe is now esa. She have been NFA - no fixed abode, as far as income support. But she moved into a few months ago but forgot change her NFA status.

 

She has correspondence mail to me (including benefits P.O payment letters to me) as a safe postal address. Her money was stopped recently, she didn't know anything about it until it didn't go in around 22 December I received no letters from anyone, she did not either.

After much to-ING and fro-ING it seems it it the compliance department around 10th December, that have tried to contact her (first by standard letter) and then (i think)by telephone and because she always loses her mobile, changes number, could not do so.

 

At present we do not know where letter was sent. The letter stated for her to attend an appointment. no information on what the appointment is has been given by income support, as complience team i different. It should have come here as a c/o address, but didnt. approx 10th december 2013.

 

We were told by income support that they then tried to contact by telephone but to no avail and her money was then suspended. we were tolds this is standard practice. IS THIS TRUE?

 

She suffers from severe social anxiety, BDD and post traumatic stress, She had to have major operations upon her face a few years ago, maxifacial reconstuction, due to a terrible mugging. The |Surgical term a

zygomatic osteomony. The BDD was long before the operations.

 

She has been written off to such an extent that even ATOS appointments have rescinded appointments once relevant doctors notes have been sent. I'm assuming that the problem is therfore, because she has not been to an atos apointment (though many have been made and then rescinded) and is on esa

 

long term, and constant moving address, and the NFA, hostel address with housing benefit , and the c/o address all being different, it may be the suspicion of fraud? i.e they want to check this person exists?

 

also before she went NFA no fixed abode she was living in the same areas as the c/o address, now she has moved to a different area so the hostal address is outside her previous income support area, though close by.

 

One final point, she always loses her P/O benefits cards, and constantly has new ones. would this have flagged the system as well?

 

she is scared terribly that its something to do with atos, or something. can someone shed some light on this situation as she does not understand, considering they would have medical info (correct?) on her disabilities, that she should be asked to come in for an interview, when even ATOS have said she does not need to come in. she is fearful. and extremely worried. can any relevant problems be done over the phone? income support could offer no more info, and the compliance team are not around till Thursday, she is not sleeping well

 

can someone full answer these points? thank you.

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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  • 2 weeks later...

Hi I urgently need some advice/help. I have a friend on incapacity benefit which i believe is now esa. She have been NFA - no fixed abode, as far as income support. But she moved into a few months ago but forgot change her NFA status.

 

She has correspondence mail to me (including benefits P.O payment letters to me) as a safe postal address. Her money was stopped recently, she didn't know anything about it until it didn't go in around 22 December I received no letters from anyone, she did not either.

After much to-ING and fro-ING it seems it it the compliance department around 10th December, that have tried to contact her (first by standard letter) and then (i think)by telephone and because she always loses her mobile, changes number, could not do so.

 

At present we do not know where letter was sent. The letter stated for her to attend an appointment. no information on what the appointment is has been given by income support, as compliance team i different. It should have come here as a c/o address, but didn't. approx 10th December 2013.

 

We were told by income support that they then tried to contact by telephone but to no avail and her money was then suspended. we were tolds this is standard practice. IS THIS TRUE?

 

She suffers from severe social anxiety, BDD and post traumatic stress, She had to have major operations upon her face a few years ago, maxifacial reconstuction, due to a terrible mugging. The |Surgical term a

zygomatic osteomony. The BDD was long before the operations.

 

She has been written off to such an extent that even ATOS appointments have rescinded appointments once relevant doctors notes have been sent. I'm assuming that the problem is therfore, because she has not been to an atos apointment (though many have been made and then rescinded) and is on esa

 

long term, and constant moving address, and the NFA, hostel address with housing benefit , and the c/o address all being different, it may be the suspicion of fraud? i.e they want to check this person exists?

 

also before she went NFA no fixed abode she was living in the same areas as the c/o address, now she has moved to a different area so the hostel address is outside her previous income support area, though close by.

 

One final point, she always loses her P/O benefits cards, and constantly has new ones. would this have flagged the system as well?

 

she is scared terribly that its something to do with atos, or something. can someone shed some light on this situation as she does not understand, considering they would have medical info (correct?) on her disabilities, that she should be asked to come in for an interview, when even ATOS have said she does not need to come in. she is fearful. and extremely worried. can any relevant problems be done over the phone? income support could offer no more info, and the compliance team are not around till Thursday, she is not sleeping well

 

can someone full answer these points? thank you.

 

 

********** original post ends****************

 

please note, i really appreciate all genuine help thank you for that. i have had some attacks from some members. i don't understand why. what Ive said has been the truth. I'm trying to help-someone;

 

I finally managed to get an answer from the compliance team (over the phone) could people, helpful people, respond to the below? thank you

literally begged for information on behalf of the person. The answered that because the person has been on the benefits for so long they which to verify the claimant?), by going into the job center and verifying themselves in person!

 

Problem being because of her social anxiety issues she doesn't want to go and is afraid they will pin her down with more questions.

 

The question I suppose is - If the compliance team (from the phone conversation i had) say they just want to id the person, i.e verify they exist. is this is all they want to do? they admitted this was the reason on the phone. I find this strange i manages to get this out of them considering they are out to target fraud and suchlike. i read they usually keep things close to their chest?

 

can/should I drag the person to the job-centre and guarantee them it will be a quick procedure or do you think it will be far more convoluted?

Also by forcing her to go to a job-centre could atos be informed that the person is not as 'ill' as they say?

 

 

 

Just want to clarify as they say that they want to confirm her identity what would they expect for her to bring to the job center in forms of ID. She has no passport or drivers license. Her ID is very limited. Will they be able to verify her by other means? Questions re her history, previous addresses etc

 

How long can she expect to be at the job center. Will the compliance happen there and then or will she be asked to return?

 

How long will it take approximately before money is reinstated?

 

Are there any payments that she can apply for in the interim?

 

 

thanks (hopefully) for all you help. We really appreciate it.

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please note, i really appreciate all genuine help thank you for that. i have had some attacks from some members. i don't understand why. what Ive said has been the truth. I'm trying to help-someone;

 

Just want to clarify as they say that they want to confirm her identity what would they expect for her to bring to the job center in forms of ID. She has no passport or drivers license. Her ID is very limited. Will they be able to verify her by other means? Questions re her history, previous addresses etc

 

If you have had messages or posts that cause offence or distress, report them via the little triangle (left side of the grey bay at the bottom of each post). The site team is pretty hot on infractions and have high standards.

 

As for the compliance team - If your friend is unable to cope with a visit to a JCP office, ask the team to consider a home visit. An appointment at a JCP office could be a simple "in and out in five minutes", although based on my own experiences, they keep you waiting for 30 minutes or more.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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Hi I urgently need some advice/help. I have a friend on incapacity benefit which i believe is now esa. She have been NFA - no fixed abode, as far as income support. But she moved into a few months ago but forgot change her NFA status.

 

She has correspondence mail to me (including benefits P.O payment letters to me) as a safe postal address. Her money was stopped recently, she didn't know anything about it until it didn't go in around 22 December I received no letters from anyone, she did not either.

After much to-ING and fro-ING it seems it it the compliance department around 10th December, that have tried to contact her (first by standard letter) and then (i think)by telephone and because she always loses her mobile, changes number, could not do so.

 

At present we do not know where letter was sent. The letter stated for her to attend an appointment. no information on what the appointment is has been given by income support, as compliance team i different. It should have come here as a c/o address, but didn't. approx 10th December 2013.

 

We were told by income support that they then tried to contact by telephone but to no avail and her money was then suspended. we were tolds this is standard practice. IS THIS TRUE?

 

She suffers from severe social anxiety, BDD and post traumatic stress, She had to have major operations upon her face a few years ago, maxifacial reconstuction, due to a terrible mugging. The |Surgical term a

zygomatic osteomony. The BDD was long before the operations.

 

She has been written off to such an extent that even ATOS appointments have rescinded appointments once relevant doctors notes have been sent. I'm assuming that the problem is therfore, because she has not been to an atos apointment (though many have been made and then rescinded) and is on esa

 

long term, and constant moving address, and the NFA, hostel address with housing benefit , and the c/o address all being different, it may be the suspicion of fraud? i.e they want to check this person exists?

 

also before she went NFA no fixed abode she was living in the same areas as the c/o address, now she has moved to a different area so the hostel address is outside her previous income support area, though close by.

 

One final point, she always loses her P/O benefits cards, and constantly has new ones. would this have flagged the system as well?

 

she is scared terribly that its something to do with atos, or something. can someone shed some light on this situation as she does not understand, considering they would have medical info (correct?) on her disabilities, that she should be asked to come in for an interview, when even ATOS have said she does not need to come in. she is fearful. and extremely worried. can any relevant problems be done over the phone? income support could offer no more info, and the compliance team are not around till Thursday, she is not sleeping well

 

can someone full answer these points? thank you.

 

 

********** original post ends****************

 

please note, i really appreciate all genuine help thank you for that. i have had some attacks from some members. i don't understand why. what Ive said has been the truth. I'm trying to help-someone;

 

I finally managed to get an answer from the compliance team (over the phone) could people, helpful people, respond to the below? thank you

literally begged for information on behalf of the person. The answered that because the person has been on the benefits for so long they which to verify the claimant?), by going into the job center and verifying themselves in person!

 

Problem being because of her social anxiety issues she doesn't want to go and is afraid they will pin her down with more questions.

 

The question I suppose is - If the compliance team (from the phone conversation i had) say they just want to id the person, i.e verify they exist. is this is all they want to do? they admitted this was the reason on the phone. I find this strange i manages to get this out of them considering they are out to target fraud and suchlike. i read they usually keep things close to their chest?

 

can/should I drag the person to the job-centre and guarantee them it will be a quick procedure or do you think it will be far more convoluted?

Also by forcing her to go to a job-centre could atos be informed that the person is not as 'ill' as they say?

 

 

 

Just want to clarify as they say that they want to confirm her identity what would they expect for her to bring to the job center in forms of ID. She has no passport or drivers license. Her ID is very limited. Will they be able to verify her by other means? Questions re her history, previous addresses etc

 

How long can she expect to be at the job center. Will the compliance happen there and then or will she be asked to return?

 

How long will it take approximately before money is reinstated?

 

Are there any payments that she can apply for in the interim?

 

 

thanks (hopefully) for all you help. We really appreciate it.

 

OP Previous thread on same subject

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414493-ESA-suspended&p=4439576#post4439576

 

Same subject,different user name http://forums.moneysavingexpert.com/showthread.php?p=64414542

 

Plus

 

http://forums.moneysavingexpert.com/showpost.php?p=64312704&postcount=14

?

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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********** original post ends****************

 

please note, i really appreciate all genuine help thank you for that. i have had some attacks from some members. i don't understand why. what Ive said has been the truth. I'm trying to help-someone;

 

I finally managed to get an answer from the compliance team (over the phone) could people, helpful people, respond to the below? thank you

literally begged for information on behalf of the person. The answered that because the person has been on the benefits for so long they which to verify the claimant?), by going into the job center and verifying themselves in person!

 

Problem being because of her social anxiety issues she doesn't want to go and is afraid they will pin her down with more questions.

 

The question I suppose is - If the compliance team (from the phone conversation i had) say they just want to id the person, i.e verify they exist. is this is all they want to do? they admitted this was the reason on the phone. I find this strange i manages to get this out of them considering they are out to target fraud and suchlike. i read they usually keep things close to their chest?

 

can/should I drag the person to the job-centre and guarantee them it will be a quick procedure or do you think it will be far more convoluted?

Also by forcing her to go to a job-centre could atos be informed that the person is not as 'ill' as they say?

 

 

 

Just want to clarify as they say that they want to confirm her identity what would they expect for her to bring to the job center in forms of ID. She has no passport or drivers license. Her ID is very limited. Will they be able to verify her by other means? Questions re her history, previous addresses etc

 

How long can she expect to be at the job center. Will the compliance happen there and then or will she be asked to return?

 

How long will it take approximately before money is reinstated?

 

Are there any payments that she can apply for in the interim?

 

 

thanks (hopefully) for all you help. We really appreciate it.

 

She will need to take to the JCP whatever ID she has, her birth certificate, bank account statements and a bill or two at her current address are some suggestions. They are likely to ask her a few more ID questions too, to confirm. I don't think it is right to drag anyone anywhere though, but you can offer your support if she is willing to go with you. A home visit is an alternative. No, by going to the JCP with the ID you haven't convinced either DWP or Atos that she is well enough to work or anything, many people gain enough points to be put in the support group by turning up for assessments every single day.

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:sarahhorton:

 

On CAG we don't really care who's asking for advice, the person who needs it or a friend on his/her behalf. But you and your friend will get more informed, better quality advice, when we're not trying to :juggle: between multiple threads.

 

The purpose of compliance letters and interviews is to check that's all as it should be with a claim. At this stage there's no suggestion of fraud. Over 50% of compliance checks are selected at random by a computer. The rest are triggered by minor irregularities or by Jobcentreplus simply needing more info. There's exceptions, but more often than not Jobcentreplus will suspend payment of a benefit if they don't get a response to a compliance enquiry. Was the impasse over last year's work capability assessment resolved? If not, it could have triggered this compliance check.

 

Length of a compliance interview can be anything from a quick in n out, to an hour or so depending on the info Jobcentreplus want to check. The original invite would have listed the documents they'd like you to have available, so you need to find out what they want to see. If you believe mental health issues preclude the Jobcentre, you can ask for a home visit but they get the final say. Should this become another impasse, a supportive letter from a health professional may help.

 

Nothing of what happens during a compliance interview will get back to Atos, none of their business. A Jobcentreplus decision maker making a determination about capability for work will have access to it but that shouldn't be a problem if all's as it should be with the claim. Whether there's further compliance activity will depend on the outcome of the initial interview. As will reinstatement of benefit payments.

 

In a nutshell; if there's nothing to hide it'll be a quick check and the suspension of payments will be lifted.

 

Best wishes, Margaret. :panda:

Edited by **Margaret**
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