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Candycravings

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Everything posted by Candycravings

  1. Hi - the ESA medical scored zero and went to tribunal and awarded within minutes as my wifes was in pieces and couldn't talk and yes she was in receipt of ESA up to Oct 14. We provided lots of medical evidence to support my wifes claim. The reason provided was that HMRC details on file suggested my wife had received a salary from the company when in actual fact it was a provision, but was amended when ful year accounts were submitted. Yes I made a formal request for Mandatory Reconsideration in November and December. The first letter had not been received?
  2. Hi to all and hoping you can help, below I have provided a brief summary of the issue at hand which I hope isnt too complicated.... my wife has been on contribution based ESA since 2012 She suffers clinicial depression and has short term memory issues due to treatments previously received whilst admitted for 2 months in hospital my wife had previously worked full time as a pub manager running a very busy pub for a large company During the intial medical for ESA we declared that I sell a couple of items on Ebay in an attempt to force my wife to leave the house and take items to
  3. Thanks HB. I do need to get to grips with myself. I am a grown man. I just need some respite, it's never ending. The guys on this forum are brilliant and should receive funding. The advice and support is always fab. I did donate a small amount of money a couple of years ago just wish it could have been more. There is no telling the amount of lives this forum may have saved.
  4. Sorry should mention that we have about 17 years left on the mortgage. We are paying £5 off the unsecured element with the remainder of the income following the completion of income and expenditure exercise today. We are paying £260 off the arrears each month which is pretty much everything. The income and expenditure also included my wifes DLA payment which I am sure should not have been in there.
  5. HI, Looking for some advice/guidance..... Have fallen into arrears with NRAM mortgage. We are approximately £3600 in arrears (which was £5600 until I paid £2000 today). The arrears now equates to 3 months. We fell into arrears last year about June, then made a payment of £2000 off the arrears and made an arrangement with NRAM to clear arrears and to be fair they were quite helpful. I fell back into arrears as I have lots going on and think I may be losing the plot. My wife had an accident in work in 2008, she spent a period of time recuperating, but couldn't go back to her
  6. Well guys...went to court today, nervous as hell...checked in at the desk, sat down in the waiting area reviewing my notes and rehearsing what I was going to say. I was then approached by a young lady who advised that she was an advocate acting on behalf of BW Legal. This is were it gets interesting, she advised that she had been instructed to set aside. I obviously was very sceptical and did not believe her. I thought she was going to stitch me up. Anyway called in front of the judge. We introduced ourselves and before I could say another word the advocate advised the judge that BW
  7. Thanks CitizenB......Eliza Cooper signs off her letters as a Legal Fee Earner. What the heck is that?
  8. well guys, just an update on a couple of things.... Yesterday (Saturday), I received my court date for the set aside hearing at my local County Court, the date being 10th Dec. A lot nervous now as I am worried I am going to have to remember all of the CCA dispute narrative. CCA request now in default. I really hope I don't trip myself up. I had to briefly speak to BW Legal over the phone as they were refusing to deal with me on email. I set up a password and now I am receiving password protected emails from them. I stated that I merely wanted to deal with them on email as its the mos
  9. Hi and thanks, At the time (2009), I had a lot of debts to sort out and this was the last and smallest thing on my mind. At the time my wife had a full on breakdown and subsequently lost her job, so didn't even register. Regarding a SAR, have just sent a request to LLoyds for another debt so guessing this should cover this debt too? Or am I mistaken?
  10. Well recently posted to seek support for an SD served by BW Legal for a large debt and followed all the advice on here and then today another debt letter arrived, this time from Hamptons for an old bank overdraft of circa £1300. The letter threatens CCJ or SD. Phoned Hamptons today to ask what the debt related to ( I know I shouldn't have phoned them, but was a bit annoyed). I challenged the need for them to ask me my DOB for data protection purposes.... Anyway, Is there anything I can do with this overdraft in terms of challenging the amount or do I bite the bullet? Any help w
  11. Well sent off SAR request to LLoydTSB on the 9th October, sent CCA request to BW Legal on the 8th October via special delivery and noticed that it was actually signed for on the 9th October. So starting to line everything up nicely. Have also completed forms 6.4 and 6.5 and about to head off to court to hand them in, retaining all copies for my records. There is a lady at BW Legal who refuses to correspond with me via email without phone verification so have reviewed the Data Protection Act and cannot find anything that requires phone verification. I have stated in my email response
  12. just reviewing the documentation for setting aside the SD and following instructions on this forum, I see that I do not have a form headed 6.5 included with the documents served on me. Am I supposed to have this document or should I be collecting this from the court? With regard 6.4, I do have a copy, but there is very little space to add my details. Aside of the 2 page letter headed BW legal, there are 4 pages for the SD. Is this correct? I am sure I have read there should be 6 pages, however could be mistaken? Any help appreciated.
  13. Just had a thought, do I send the SAR to BW Legal or LLoyds TSB or both? Hope you can help
  14. Hi 42man - I believe the account may have been opened in 2006/7. I had previously claimed back PPI, but cannot recall if it was this account, but I do want to be sure that any amount outstanding in the event I have to make an arrangement to repay excludes PPI and any other punative charges that should not have been applied.
  15. Hi I should clear one thing up, this is a debt for a loan from Lloyd's TSB. Guessing this is because I posted in a thread head Cap One. Love the fact they are called Capone I have received lots of letters from Lowell's in recent times, but can't recall how many. Have lots going on with wife who has severe depression, trying to hold down my job and keep everything together, but don't want any sympathy, just want to make sure my wife doesn't have to deal with any idiots knocking at the door or phoning that May set her back. I can't recall if I received a default notice from Lloy
  16. Have received an SD handed to me by a process server acting on behalf of BW Legal. I have a loan debt of circa £12k. Last payment made in October 2009. I do however dispute the amount owed and have made a CCA request following advice on CAG which include possible PPI and charges included. I was concerned that I have limited reasons to have this SD set aside and then stumbled upon this thread. I will send in and complete the required set aside documentation. I have also sent an email to BW Legal which includes the following; It is clear that this matter is more suited to t
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