Not sure if anyone can help me, I applied for esa last year and after the forms and medical i was placed in the work releated group, im only in my 30s and have a bad heart condition whihc require huge amounts of medication and oxgen. most days i find it hard to move around the house without getting pain. i went to the appeals and this year in march i won the appeal and was placed in the support group. but now i have another questionaire to fill out for atos! does this mean the process is starting all over again. i phoned the esa people and they said they have no record of the questionaire being sent but i better fill it out or i will lose my benifit, and atos said if you have been sent it to fill it out and return it. im not sure i can cope with this all again. can anyone help!!!!

Not sure if anyone can help me, I applied for esa last year and after the forms and medical i was placed in the work releated group, im only in my 30s and have a bad heart condition whihc require huge amounts of medication and oxgen. most days i find it hard to move around the house without getting pain. i went to the appeals and this year in march i won the appeal and was placed in the support group. but now i have another questionaire to fill out for atos! does this mean the process is starting all over again. i phoned the esa people and they said they have no record of the questionaire being sent but i better fill it out or i will lose my benifit, and atos said if you have been sent it to fill it out and return it. im not sure i can cope with this all again. can anyone help!!!!

After much time has passed Cabot have now come up with the CCA Agreement and i have agreed to a monthly payment to them. I wanted to pay via cheque each month but they said it has to be via direct debit! Is this true that the only way i can pay them is by direct debit each month, or can i insist on paying via cheque or standing order? they are calling me back on the 25/11/2010 to get my bank details... Help

Hi, I wrote direct line a letter as suggested, and to my suprise i have received one back saying quote the letter" we are happy to offer a collection service from one of our sister branches. Our package of documents can be collected from either of the branchs listed below" At first i thought they must have the cca agreement, but then i noticed that not once have they confirmed that they have the cca agreement and this package of documents could be anything. I did ask them in my last letter to confirm they have the cca agreement but all they said was there package of documents! I feel i should get them to confirm in some way that they do have and will supply me with the cca agreement before i make the visit to a local office, back not sure what to write, i did try for 3 hours last night but came to a blank so i thought if possible could you offer some guideance. Please.

I have received a letter saying direct line needed proof of my identity before they could process my request for the cca, all the items they requested all contained my signature so i replyed and with the letter in this tread then they said i could go into a selected bank to show my documents and the bank would copy them or i could telephone them to confirm my details. i again sent the letter in the tread and pointed out that a telephone conversation would not confirm my identity (and i was worried about them recording the conversation then changing it to suit them, but did not tell them this.) Today i received a letter from them which states: We have made you fully aware of our requirements and tried to contact you regarding this matter and have been unable to comply with your requests as you have failed to meet our obligations to ensure account and customer security. In light of the above your agrrement will continue to be enforced and payments are required as contractually agreed. What should i do now? I am struggling with a heart condition and im worried that they will start sending the balifs round, finding this all hard to deal with so any help or advise would be great.

Thank you for your support

Help. Last year i took ill in march and after many tests it was found that i have a heart condition which is a bit like angina but in the heart wall. I am on many medications and also oxygen daily. I require help from my wife to get about up and down stairs, to put my shoes on when i am in pain, get medication when required GTN spray and oxygen (thats the short version) I am only 31 years old and any physical or emotional stress brings on the pains and breathlessness, it got to the stage that i had to apply for ill health retirment from my works which i was granted. I applied for ESA and after having my medical they have put me into a work related group. my local job centre said that my condition is too bad and i should have been put into the support group. so i have now sent in a appeal which they have told me is being processed and could take 50 days. In the meantime i have a work health related appointment with ATOS, i have phoned them and told them that i have appealed the decision that dwp had made, as its not possible for me to work as any movement even standing can cause pains (infact just sitting still can trigger the breathlessness and pain). I have had my doctors full backing and he said that work should be advoided and i should not be put under any stress as it will make my conditon worse. Atos don't seem to care they just keep saying if i dont attend the appointment i will lose my benifits. I asked if the appointment could be put off until a my appeal has been decided as if they put me into the support group i would not need this appointment anyway. but Atos just say the same thing that my benefits will stop. To attend the appointment, i would be required to: Take more medication than perscribed just so im not in pain for the journey. (this puts me over the maxium dose of medication, and would be classed as a self overdose) I would need my wife to drive me and carry my oxygen to the building which means stopping outside the building which is a busy town on a roundabout just so its close enough for me to reach the building. she would then had to park as quick as possible then rush back to me incase i need her support with my medication or moving my oxygen etc.. The oxygen i carry with me only lasts one hour, the journey to the building is 20 to 30mins so if i need my oxygen while im out i will be limited on how much i can use it. This again puts me at risk as the heart is not getting enough oxygen. Can they force me to go? Can they stop my benefits? Can i request they change the date for a later date until the appeal is completed? What else can i do? Thank you for your time and help.

Hi, I need some more advice if possible I have today received a letter from Direct Line which is the company that Allied International Credit took the debt over from. The letter I received dated 25 May 2010 stated: “We acknowledge receipt of your recent letter, addressed to Allied International, requesting your personal data held by the bank. In order that we can deal with your request we require a signed consent from the individual named on the account. Unfortunately, you have not signed your letter. Please sign and return this letter in the pre-paid envelope provided, to confirm your request for information. When we receive this we will be happy to proceed with your request and any information required to be provided to you will be forwarded to you at the above address. In addition, the bank changes a fee of £1.00 for this service. Please return a cheque for this amount made payable to the royal bank of Scotland group. If you have any queries relating to this matter please do not hesitate to contact me at the address shown above.” --------------------------------- What should I do now? Do I have to reply? Can they hold me to anything if I don’t reply? I first sent my letter to ALC requesting the CCA with a £1.00 cheque enclosed on the: 21st April 2010 I then sent ALC a copy of the letter you provided on the: 11th May 2010 and they cashed the cheque I sent in for £1.00 And this is the first reply I have had but not from ALC but from the original lender Direct Line dated: 25 May 2010. Help!

I have now sent in a cca, request following your letter. Got one letter from cabot saying they did not have a cca agreement. then i got another letter saying they was going to requested it from halifax. Its coming up 30 days since i sent them the first letter what would you advise i do next? (30 days are up in two days) CCCS have told me if i stop paying my dmp the the debt collectors could find another way to make me pay even if they don't have a cca? is this correct? what could they do. help!!! Please !!!

I have been under a debt management plan for the past 7 years, but last year i took ill and after reading alot about requesting cca on this site i have request the cca from cabot the debt collectors and they have replyed to me and there letter confirms that they do not have a copy nor do halifax who the loan was with. 1. can they still enforce the debt without the cca? 2. is it possible that they can enforce it as i have been paying them a small amount each month for the last two years via my debt management plan with the consumer credit council? 3. what should i do next (not pay them anything else or contact them again) all help would be appreciated.