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  1. HI all, me again. Just a couple of quick questions regarding the dreaded ESA50,,,,, 1, I've just received one and have just rung the dwp about my last form asking when the decision was made, he said it was made 18/10/11, so it's over six months so they must have given me 12 months esa, well to my thinking. When I asked him why I've received the form 4 months early he couldn't answer and said he'd get someone to ring me to discuss my concerns. Has anyone had this happen? 2, I notice that the form came from ATOS and has to be sent back to them, is this usual practice? I thought the esa50 went to a decision maker not ATOS? Any answers would be greatly appreciated. Thanx Jimi
  2. Hi there, I am currently an un-discharged bankrupt, (discharge date September 2009) Last year I commenced investigation into the recovery of various PPI charges that I had paid in the past. I received a number of rebuttals and in my ignorance, took matters no further. Also, I reclaimed back bank charges from First Direct, again without success. I have now issued CCA requests to all of my creditors and hopefully will determine that the debts are unenforceable. I presume that if this is the case, i would have strong grounds for claiming back any misold PPI costs and/or excessive charges. However, in the event the debts are enforceable, bearing in mind my current situation is there a precedent for recovery of such charges?. I understand that any "windfalls" such as these could be claimed by the trustee in bankruptcy or offset against the stated debt, i dont have a major issue with this (or should i?) Also and hopefully finally, what should happen to any hypothetical refund if it is made after discharge but commenced during the period? Thanks in anticipation
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