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    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Action fraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
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ESA medical UPDATE post #30


phil76
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Hello everyone im new here,

 

I suffer with anxiety and depression and have a medical on friday with atos,and am worried about failing the medical,i really suffer with my problems and unable to work at the moment so getting my esa stopped really worries me,since getting the letter about the medical i felt worse and has even made me cry with worry,

 

Had a look on internet and seems alot of people fail these medicals,what are the medicals like?any help appreciated

 

Thanks

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Hello Phil, welcome to the forum.

 

Leemack has a great sticky about these assessments. We don't call them medicals here :). To find the stickies, use the back arrow to come out of your thread, then scroll up to the yellow part above the thread titles.

 

If you have more questions, please come back to us.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thankyou so much leemack for all your help,hopefully i wont have to go through appeal process but at least i can still claim some money during appeal if i have to,

 

Thanks again

 

Phil

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Thankyou so much HoneyBee:-) i will let you all know when i get the decision which will probably be in a few weeks although i think i probably already know what it will be:sad::sad: but fingers crossed

 

Phil

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Thankyou leemack:-)

 

the lady who saw me at assessment seemed nice anyway so its just waiting now to see if ive passed or not,will let you guys know how i get on as soon as i get the results

 

Thanks again leemack and Honeybee for your help:-)

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Thank you Honeybee:-) yeah will definately let you know what happens

 

Was just wandering the people who actually see you at the asssessment,do they know straight away after your assesssment if youve passed or not?

 

Thanks

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I think they would have a pretty good idea whether you have passed or not but the DWP have to decide based on the assessment.

 

My assessor was pleasant but only gave me 2 points I found out 2 weeks later. A smiling assassin if you will.

 

Her report on what I said at the assessment was fairly honest though and I won my appeal.

 

Good luck to you and remember a negative decision is not the end of it, you can still win.

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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My incapacity benefit was stopped in March 2010 and in June I was told my tribunal would be in August but it ended up in November due to the backlog.

 

So 8 months. But a week before the tribunal the DWP changed their decision and reinstated my benefit with back-pay.

 

Great but I will be back on the nonmagical roundabout as soon as they shunt me onto ESA.

 

I say roundabout because that's what it is for a lot of people, even when you win you can be re-assessed and lose only to win on appeal and so on.

 

I don't think the average taxpayer would be so pleased about "welfare reform" if he/she knew all this. :|

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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You have been awarded ESA and you will not be expected to work.

 

Congrats to you.

 

- dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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Thankyou dj,and i would like to thank everyone else,really appreciate all the help you gave me:-)

 

Am i right in saying i still need to give sick notes from my doctor for my payments?

 

Thanks again everyone

 

Phil

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Hello everyone

 

I received a letter this morning, its about my medical assessment,it says i have been placed in support group and my money will rise,does this mean i have passed my assessment?and what does support group mean?

 

Thanks

 

Phil

 

That was a quick reply after your medicle less than a week...:madgrin:

Yes PHIL you have passed!!!!! no more sick notes.

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Yes, once a decision is made following a medical, certs are no longer required as it has been determined that you are not fit for work.

 

I bet that's a huge weight off your mind!

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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