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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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Problem switching from JSA to Carer's...


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Hi all,

 

My probation period at work ended (no fault of mine), during that time at work I paid for someone to supervise my Dad at home, who has a claim in process for Disability Allowance. Apparently it may take MONTHS for my Carer's Allowance to come through, so I did a rapid reclaim for JSA, which was successful.

 

However, I've now got Reeed on my back with their working program, I had got them to reduce their weekly sessions to an hour the last time, but each time I'm out of pocket, and it's money I was saving for someone to supervise Dad. And NOW apparently there have been some "changes", which I think means I'll be compelled to attend 3x pw - again, this will cost money I've set aside for a carer for Dad whilst I go for signing+job interviews.

 

It seems to me that neither the JC nor Reede have any experience with people in my position. Neither seems to understand that I'm only on JSA as there's no other benefit until my Carer's comes through, IF it comes through.

 

If I write this all out in an email to the DWP, are they likely to be so short-sighted as to either compel me to attend 3x a week, or stop/suspend my money?

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I remember you from your previous post.

The work prgramme can book you in to see one of their advisers as frequently as they like, it could be once a week or even daily. The only expenses you can claim back from them is your travel expenses so I suggest that each time you attend you claim that back they will soon get fed up paying you to attend and hopefully will back off the weekly attendance again.

 

Whilst you are claiming JSA you signing to declare that you are actively seeking employment and available to take employment and although they should make some allowances for the fact that you are making a claim for carers allowance until that is actually awarded you are a job seeker.

I would personally advise that you ask for their complaints procedure and make a complaint about the frequecy that you are expected to attend meetings.

 

If I'm allowed to put a personal commemt here..... you found work which gave them a nice little outcome reward payment which would have continued as long as you continued to be employed byt as that job has ended they have to start working with you again but as I said personal opinion so unsure if that is actually what is happening.

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As I remember you from your contributions Flumps, thank you again for them!!

 

I am, indeed, actively seeking employment, because if I find (reasonably well-paid) work, I can afford to pay my sis-in law an hourly rate to sit home with Dad and for them bore each other with their witless prattle. Otherwise, I can make phone employers/send cv's from home while keeping a beady eye on the old coot.. But I already have to sign fortnightly, and each time I do, I need to pay her for the hour I'm gone. Every time I go for a JOB interview, I'm effectively gone for 3-4 hours.

 

It's making it very expensive to have to turn up to their ridiculous sessions where all I do is sign paperwork, and if they increase the frequency of those, I am going to be very upset indeed.

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If your dad has a claim in for DLA and it can be confirmed as registered and you have put a claim in for Carers Allowance then make a claim for I.S you of have condition of entitlement... of course if you have capital over 16k or a partner who works over 24 hrs then you will not qualify.

You will be paid untill DLA and CA made their decision.. If both are awarded then you will stay on I.S.

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You can make a claim for IS but until a decision is actually made on the award of carers allowance you will not receive a penny in IS unless you have another condition of entitlement.

The DLA and Carers could take weeks if not months to be processed so personally I would not advise changing as you cannot have a claim for both JSA and IS at the same time.

 

Personally I would recommend continuing with the claim for JSA until the carers is decided and awarded then close the claim for JSA and claim IS, your carers premium will still be payable by the JSA processing team when they receive notification of the award so you won't lose out financially due to that.

Unfortunately you also have to consider the possibility that the DLA may not be awarded at the appropriate rate for you Dad to allow yu to claim for Carers Allowance as he will need to be awarded the middle or higher rate care.

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And that would be fine, I don't mind staying on JSA, like I said once I'm back in work I can afford to pay a bit for his f/t supervision, BUT it's this ridiculous business with Reed that is going to cause me hardship if I have to keep attending their silly sessions.

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You can make a claim for IS but until a decision is actually made on the award of carers allowance you will not receive a penny in IS unless you have another condition of entitlement.

 

As long as the disabled person is in receipt of either AA or the mid/high rate of the DLA Care Component, or has applied for it, and the claimant is regularly and substantially caring for them, they are entitled to IS (provided the other conditions are met - income/capital etc)

 

Claiming IS as a Carer is not solely dependent on CA being awarded. Plenty of people receive IS as carers without receiving Carer's Allowance.

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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Erika is right as usual :) You can make a claim to I.S, Income Support on the grounds of being a carer, as I have said as long as the DP, disabled persons claim is registered for DLA then you can claim I.S on the grounds as a carer for that person. You would get £67.50 per week I.S if over twenty five. If the claim is successful for DLA and Carers Allowance is awarded then you will carry on claiming I.S, an extra premium called Carers Premium will be added £31.00 and your CA taken off, but you will be £31 better off...

It doesnt matter how many weeks the DLA decision takes I.S will pay you. Put your claim in for Carers Allowance as soon as you can anyway

 

If however DLA is not awarded at middle rate or higher rate then you will have to come off Income Support.. You wiill not incur an overpayment of I.S if the DLA application fails

 

It is your choice OP whether you stay on JSA but at the moment you have grounds for Income Support..

Edited by MIKEY DABODEE
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You can't claim IS or ESA online now it was removed a few weeks ago.

I agree with Mikey Dabodee, attend your next sign on and then hand in your ES40 card stating you will be claiming IS from the day following. However if the office are competent they will not action the closure that same day or it will mess up your payment by the payments system being unable to issue your payment on the correct day. The closure should then be processed the following day allowing your claim to IS to gothrough with hopefully no problems.

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