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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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Pension Credit £212 overpayment?


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Any overpayment by the DWP due to official error is nor recoverable under social security law - as long as they have all the correct info, if they make an error they can ask for the money back - but you don't have to pay it.

 

Please someone correct me if this has changed recently?

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

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what does the entry say on the bank statement, does it give a national insurance number.?

Have you been on Pension Credit long?

Where you in receipt of IB or your partner?

It has my NI number and states it is from DWP. Have had PC for 2 years and spouse was on ESA up to end of April 2012. ESA stopped and PC increased for cover both of us. We just do not feel right about having a benefit that we may not be entitled to have when every one else is struggling.

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Thursday is a weird payday too. And if its got your NINO on to then its definately something that belongs to you.

They have your bank details..

I would just hold on to it, if its been paid incorrectly and they try to recover it then, no, its an official error.

so no OP

The amount I would say is two weeks couple rate of some benefit maybe...

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We have never applied for Income support and no to NINO. DWP checked and it is not an IS payment. It has us flummoxed and we feel as if we are hitting our heads against a brick wall. We have even asked them to stop the payment until it is investigated but the payment keeps coming!

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ISCS is Income Support Computer System.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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ISCS is Income Support Computer System.

Never heard of it and obviously neither have the DWP and why we would we be getting it if we had never applied? On checking payments into our account since starting this thread, when the ESA my wife received was stopped at end of April, my Pension Credit increased to £212 exactly the same amount as the DWP ISCS amount currently being paid as they never took into account that she was entitled to carer's allowance but not in payment. It seems strange that the two amounts should be exactly the same. My PC has since increased to £238 from £212 after adviing them about the carer's allowance.

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If you are worried about it and think you arent entitled to it, ask the DWP to remove it from your claim or payments and start a full investigation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If you are worried about it and think you arent entitled to it, ask the DWP to remove it from your claim or payments and start a full investigation.

I have done this several times on the phone and twice in writing but they insist I am entitled to it. I have not had any paper work from any one advising of the benefit payment. I am inclined to agree with others that it is an official mistake that for some reason they do not want to rectify. I have exhausted all avenues to get it rectified.

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Well, teh best thing to do now, is to let them pay you, but keep the money in your bank. Write an official complaint stating that you have contacted them multiple times, and you have been advised you are fully entitled to it. However, you have no knowledge of what benefit it is actually for. Demand that they tell you exactly what benefit the payments are for, and if they cant, to start a investigation.

 

Address it as high up as you can, and since you will be heading it, official complaint, they will be forced to look into it for you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ISCS is Income Support Computer System.

 

Yes, and Pension Credit uses the Income Support Computer System to process claims and payments. Seen it on numerous SARs.

 

If it's an official error then it is not recoverable. Some DWP payments are recoverable as a result of official error but Pension Credit and Income Support are not. If it shows ISCS then it will always be IS or PC

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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How can you be if you receive PC / ESA? You can't (as you probably know) receive both.

 

It is only income related ESA that you can't get with PC, I am in the ESA Support group (wich is contribution based), and our PC is reduced £ for £, I am also have an underlying entitlement to carers allowance for my wife so we actually get the same money as the OP, exept we don't get the £212. As correctly identified by others on your bank statment each payment has a code, and from DWP they include ones NINo and a code for the kind of benefit followed by a load of numbers.

 

Pension Credit = PC

State pension = SP

DLA = DLA

ESA = EESA

 

All I can suggest is to put the £212 in a high interest account and leave it alone unttill someone can say for certain what it is.

Edited by count orlok
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Yes, and Pension Credit uses the Income Support Computer System to process claims and payments. Seen it on numerous SARs.

 

If it's an official error then it is not recoverable. Some DWP payments are recoverable as a result of official error but Pension Credit and Income Support are not. If it shows ISCS then it will always be IS or PC

 

Really confused as at no time did we complete any forms verbally or in writing claiming IS. Strange that DWP does not know code and continues to pay the £212. Not even sure how they would come up with that figure.

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As mentioned before, keep the money safe, and write a formal complaint to the DWP, and state everything that has happened. Remember, if it is their mistake, then you will be allowed to keep it. However that is up to you, as they will ask for it back, but they cant pursue you if you say no.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Really confused as at no time did we complete any forms verbally or in writing claiming IS. Strange that DWP does not know code and continues to pay the £212. Not even sure how they would come up with that figure.

 

If you haven't claimed IS then it must be Pension Credit that is processing the payment; IS and PC are the only claims that can be put onto the ISCS. That doesn't tell you what benefit it is because sometimes if more than one benefit is in payment, it is one department that will deal with the payment for both.

 

For example when IB was active, a person could have IB with an IS top up. Sometimes both the payment for IB and IS was paid by IS so it came from ISCS (the income support computer system) but each department still held control over each claim.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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