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    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
    • Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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IB50 confused


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I can understand why you would worry smithy 1, ESA is harder to get.

 

It's a good question because we should be migrated from March (me included) and I'd be interested to know if they send you an ESA50 or an IB50.

 

Which ever one it is, we are here to help.

 

My guess is that they will leave you alone until they are ready to send you an ESA50.

 

- dj

 

I am confused. Why is ESA harder to get??

 

Surely you are either unfit for any type of work OR can work.

 

If the poster is genuinely ill and has no work capabilities (including putting letters in envelopes at home as a job), then he/she will pass.

 

For people to worry about failing ESA does make me think that they may just be pushing their luck a little and really are able to carry out some type of work activity yet choose not to.

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I am confused. Why is ESA harder to get??

 

Surely you are either unfit for any type of work OR can work.

 

If the poster is genuinely ill and has no work capabilities (including putting letters in envelopes at home as a job), then he/she will pass.

 

For people to worry about failing ESA does make me think that they may just be pushing their luck a little and really are able to carry out some type of work activity yet choose not to.

 

That's not a very helpful attitude, satire. I can't remember if you've claimed benefit, but I have and it's not an easy place to be. Having been around the forum for over a year, I feel that the vast majority of people who come here for help are genuine.

 

I can't tell you the nitty gritty, but I think it's recognised that the Atos test for ESA is more stringent than the one for IB. I hope one of our experts will know more than me.

 

My best, HB

Illegitimi non carborundum

 

 

 

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unless your in that postion satire your comment shouldnt assume it will go ok . ive read many articles about genuinely ill people like myself and many others not passing medicals then having to go through a appeal process.

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I know all about the ATOS assessments. I failed mine, not because I am not ill or disabled but because I expected them to contact my GP/consultant and didn't bother to complete the ESA50.

As soon as they saw the evidence I had at the reconsideration stage, I was put into the Support Group and am re-assessed every 3 months.

 

I never worried about it as my failing was down to me not the assessment. If I had done what I was told to do on the form there would have been no problems. So it was my fault entirely.

 

On my medical report they sent to the DWP, they stated that 'Claimant is very obnoxious, sarcastic and complained about the assessment..........he asked if I had contacted his consultants..........Claimant is very unco-operative and makes the assessment difficult. He purposely took additional medication throughout the assessment.'

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