Jump to content


  • Tweets

  • Posts

    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • 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!??
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Ingeus


Raven1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2456 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I receive ESA

 

Ah. Was hoping you wouldn't say that - although I used to be an ESA processor, I left before the WP got involved. What I'll do, though, is send a message to one of our WP watchers asking if he knows. He checks in on this thread often anyhow.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Link to post
Share on other sites

  • Replies 6.5k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I receive ESA

 

WRAG or Support Group ?

Do you have any full time carer responsibilities towards children under five, other ESA claimants, or elderly relatives ?

 

If the answers are WRAG and no carer responsibilities, then I'd suggest looking at Annex 3 of http://www.dwp.gov.uk/docs/wp-pg-chapter-3a-22-october-2012.pdf - If the letter does not conform to the prescribed template and instead uses text intended for JSA claimants, you have grounds to challenge it.

 

As you have a sick note from your GP*, the standard advice would be to notify the JCP and the WP provider using a JSA28 form. But this is intended for claimants on JSA, not ESA - I would strongly suggest calling your local JCP office and asking what the equivalent ESA form is. If they can not provide the form, I'd suggest writing a short letter to both the WP provider and the DWP/JCP informing them of your inability to attend. This would come under the heading of "a change in circumstances" and fulfil the requirements set out in http://www.dwp.gov.uk/docs/wp-pg-chapter-5.pdf .

 

*) Just a thought: Does the sick note just say "do not operate machinery or drive" or does it go further and confine you to the house ?

If the former and you find there is no way out, then you must be accompanied by an advocate to ensure that you are not subjected to undue pressure (and as always, record the meeting in full).

 

Much of the DWP guidance for Work Programme providers is geared towards JSA claimants, and it is often difficult to pick out which sections do not apply to ESA claimants - In these cases, it is worth getting written clarification from the DWP/JCP.

Edited by Mr.P

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.

Link to post
Share on other sites

Well, one year at Ingeus done. I think over the past year I must have been called in about 6 times (im on ESA WRAG).

 

The last time I was there (last week) there was a whole group of young folks who must have been in their 20's... all lined up for some interview with some serious looking bloke in a suit.

 

I see my adviser one more time and then apparently i get moved to the "Second Stage" which involves me going to a group meeting with other folks on ESA and then getting a new adviser. Kinda will miss my old adviser :(

 

I think the Ingeus place I go to is empty most of the time...was usually only me, one person at a computer doing jobsearch and a whole bunch of staff sitting around chatting.

Link to post
Share on other sites

So I was put forward for a minimum wage admin role working for a company in partnership with Ingeus. My advisor told me I was perfect for the role and would breeze through any interview. It was an'easy win'.

 

Just recieved an email that I after careful consideration of my CV (Which has been rewritten by my advisor) Ingeus will not be pursuing my application any further and due to the high number of applicants, they can't give me any feedback.

 

You know, I am actually looking forward to my next appointment :smile:

Link to post
Share on other sites

A very interesting transcript of oral evidence taken before the work and pensions committee 'the role of JCP in the reformed welfare state' http://freepdfhosting.com/3494568f4b.pdf

 

Some edited highlights from the UM forum http://unemploymentmovement.com/forum/chat-a-rap/7230-oral-evidence-taken-before-the-work-and-pensions-committee#24991

 

So insiders are admitting that sanction targets do exist they are just called something else, ESA claimants that fall foul of mandatory revision who try to claim JSA will inevitably 'fall through the cracks' because they cannot comply with conditionality, and JCP actively 'frustrate' people off benefits.

 

On training, Colin Booth who was there representing the Association of colleges said

 

The DWP and Jobcentre Plus are a barrierto people doing longer skills courses to get them into work. Because they are focused on getting people off the unemployment register, they are very focused on referring people to short interventions to get people into work, but they are actually often a barrier.

This is not the Jobcentre Plus offices, although sometimes they are a bit inconsistent. This is the whole system.

We run a system that means that we frequently get adults who are very motivated, who sign up for courses, and they are then prevented from doing those courses and then we see them again when they are referred and often mandated into training later.

 

We run a system that creates barriers to people participating in longer skills courses and participating on their own terms and with their own motivation, only to refer them under conditionality back into the same system later sometimes.

The document pretty much backs up the experiences of people posting on here, at least the the work and pensions committee have a better idea of how JSA claimants get treated, not that they are likely to change anything.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

Link to post
Share on other sites

Osdset, A very revealing set of documents, not just with the points you make but with JPC staff training, holes in the system that make it impossible for some people with medical condition to claim any benefit, the mind set of staff to make sanctions and the lack of disability advisers.

Link to post
Share on other sites

The whole Work Programme set up is a shambles, set up by people with no real life experience of what it is like to be on the dole, and should be scrapped as it has now been proven to be pretty useless (just my opinion).

 

I find that the whole system is grinding to a halt and will probably be privatised if the Conservatives win the next election.

Link to post
Share on other sites

So I was put forward for a minimum wage admin role working for a company in partnership with Ingeus. My advisor told me I was perfect for the role and would breeze through any interview. It was an'easy win'.

 

Just recieved an email that I after careful consideration of my CV (Which has been rewritten by my advisor) Ingeus will not be pursuing my application any further and due to the high number of applicants, they can't give me any feedback.

 

You know, I am actually looking forward to my next appointment :smile:

 

Would be a nice chance to report Ingeus to the DWP for losing you a possible job by their 'improvement' of your CV which was subsequently rejected. You could argue that had they submitted your untouched version it may have gotten through.

 

As Ingeus always woffle on about 'getting feedback from employers' I think it's only fair that you should pester them for some too - namely; why did your application not go through when you'd been assured it was a breeze?

 

If my experience of Ingeus' CV writing 'skills' are anything to go by, your CV would have ended up being bland, dull and littered with spelling mistakes once one of their advisors had finished with it.

 

Give 'em hell :)

Link to post
Share on other sites

The whole Work Programme set up is a shambles

No, it works perfectly. It moves money from the taxpayer to the private contractors. In other European countries this system is called 'mafia'.

"Ask not what your country can do for you, ask what you can do for Poundland"

Link to post
Share on other sites

The whole Work Programme set up is a shambles, set up by people with no real life experience of what it is like to be on the dole, and should be scrapped as it has now been proven to be pretty useless (just my opinion).

 

I find that the whole system is grinding to a halt and will probably be privatised if the Conservatives win the next election.

Conversely, if and when Labour return, the likelihood is that they will reintroduce something more insidious than the Work Programme which was conversely worse than the Flexible New Deal.

Link to post
Share on other sites

 

If my experience of Ingeus' CV writing 'skills' are anything to go by, your CV would have ended up being bland, dull and littered with spelling mistakes once one of their advisors had finished with it.

 

Give 'em hell :)

 

When Ingeus altered my cv it came back with 22 spelling mistakes i kid you not :roll:

 

It was also very dull to read etc.....i dont use the one they have altered i use the orginal which i am more than happy with :wink:

Link to post
Share on other sites

 

The last time I was there (last week) there was a whole group of young folks who must have been in their 20's... all lined up for some interview with some serious looking bloke in a suit.

 

Its always the young ones, who get put forward for interviews at ingeus.

As this is where they see a potential bonus if the person gets the job!

Link to post
Share on other sites

When Ingeus altered my cv it came back with 22 spelling mistakes i kid you not :roll:

 

It was also very dull to read etc.....i dont use the one they have altered i use the orginal which i am more than happy with :wink:

S got me in for it with m but m just sat at his desk, he claimed its best that I do it myself, his only 'help' was to remove dates, he was useless and he claimed this help was my idea and when I said it wasn't he virtually called me a liar and was too lazy to call s to confirm that I was telling the truth

Link to post
Share on other sites

S got me in for it with m but m just sat at his desk, he claimed its best that I do it myself, his only 'help' was to remove dates, he was useless and he claimed this help was my idea and when I said it wasn't he virtually called me a liar and was too lazy to call s to confirm that I was telling the truth

 

Sounds about right for Ingeus, i have 2 cv's one Ingeus think i use and one i do use....Ingeus are useless at cv's

Link to post
Share on other sites

My friend corrected their spelling and grammar (they kept changing tenses within the same paragraph!) on the re-write of her CV. I have done similar.

 

I really think their CV writing is appalling, I can do a lot better (my re-write got me a short term job and I am in line for another job with the same CV).

 

There are so many older people being left out of the job market now because of the PM's laudable attempt to instill a 'solid work ethic' into the younger generation.

 

The trouble is that a section of that generation have been given to believe that they can walk into a job earning a lot of money just because they have a degree. They don't have the 'life skills' they need to cope on their own, let alone be told what to do by somebody 'lesser' than themselves.

Link to post
Share on other sites

The turnover of staff within the WP is such that they are virtually pulling people off the street willy nilly to take jobs as 'advisors' hence the deplorable standards. Anyone with any training within the WP industry left long ago and turned the lights off on the way out.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

Link to post
Share on other sites

The turnover of staff within the WP is such that they are virtually pulling people off the street willy nilly to take jobs as 'advisors' hence the deplorable standards. Anyone with any training within the WP industry left long ago and turned the lights off on the way out.

 

Have you ever applied for a job at ingeus? its not as easy as you think.....................As you get a long questionaire to fill in......

Link to post
Share on other sites

Do they get more bonus for a younger person than an older person?

 

They get more money for "difficult" clients - sick, disabled and so on. I don't think merely being over 50 qualifies a person as "difficult", but I'm not sure.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Link to post
Share on other sites

I have finished with Ingeus months ago when I found a job they said I wouldn't need to come to any more appointments even though I then didn't end up taking the job as found out it was only commission based.

 

I have signed back on on new claim and everything since then but I keep receiving constant phone calls from Ingeus departments and texts asking 'Justasking how you are getting on in work'. Every few months the advisor I had calls my phone and I don't answer it, he then emails me and says something like 'Please send me your new number I can't get through to you'. Up till now I have got so fed up of the constant phone calls I just answered and told him I am now self-employed. He then says 'That's fine, we'll speak again in a few weeks'

 

Why do they keep phoning me every few months? I have told them I am not in that job anymore but have gone self-employed thinking that would get rid of them but they still continue to pester me. If it's not phone calls it's emails.

 

Don't really want to change my number, and even if I do they still know my email.

 

Anyone know if an Ingeus advisor can contact you through a personal site like Facebook because he has my email or is that a breach of their policy?

Link to post
Share on other sites

Have you ever applied for a job at ingeus? its not as easy as you think....

Did look at their recruitment site - To search and apply for vacancies, you have to register. Registration takes place when you first apply for a vacancy.... Brain dead F.W.

 

Would I actually want to work there - Not unless there is a significant change in temperature in Hell.

 

I have finished with Ingeus months ago when I found a job they said I wouldn't need to come to any more appointments even though I then didn't end up taking the job as found out it was only commission based.

 

Anyone know if an Ingeus advisor can contact you through a personal site like Facebook because he has my email or is that a breach of their policy?

 

Has 104 weeks passed since your very first appointment with them ?

If not, you are still in their grubby little grasp whilst claiming JSA/ESA. If the 104 week period is past, you can write a cease and desist letter threatening to report them for harassment and breaches of the telecoms regulations.

 

Most work places have a policy on the use of facebook during company time - I don't have access from work (nor do I use it at home). If you do get any attempt at contact via facebook, record it in your diary and at it to the list of harassment.

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.

Link to post
Share on other sites

 

Don't really want to change my number, and even if I do they still know my

email

It really cannot be said too often - if you don't want to be hassled and harassed do not provide them with a phone number or e-mail address. New consignees please note!

You are perfectly within your rights to tell them that your preferred and only means of communication is by post. They won't like this but will just have to lump it provided you stick politely to your policy. This also means not telling the JCP this information (it will be passed to the WP on your attachment). Ask the JCP to remove the info from their records if they already have it. They did this for me and I survived 2 years at A4greed without one phone call or e-mail.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...