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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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DLA overpayment


pauld56
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Hi all

Wonder if anyone can help, I was informed in October 2007 that I was to be interviewed under caution by the DWP for not informing them to a change in circumstances. I had been recieving DLA Mobility High rate since 1995, and used the DLA to get a car on the Motability scheme. I was interviewed by DWP Fraud investigators and shown a witness statement taken from my Line Manager who was asked basic questions about me ie my work pattern and duties. I am a line manager and my job is clerical, I walk very short distances around the office. I was also shown a video taken of me at my place of work, this video shows me leaving the building to go for a "fag break" again a short distance. Also on the video it showed me on a shopping trip with my sons into the city, they claimed I walked about 2 miles or about 2 hours without a break. However the video was edited in fact the total lenth of the video is 55 mins.

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Hi all

Wonder if anyone can help, I was informed in October 2007 that I was to be interviewed under caution by the DWP for not informing them to a change in circumstances. I had been recieving DLA Mobility High rate since 1995, and used the DLA to get a car on the Motability scheme. I was interviewed by DWP Fraud investigators and shown a witness statement taken from my Line Manager who was asked basic questions about me ie my work pattern and duties. I am a line manager and my job is clerical, I walk very short distances around the office. I was also shown a video taken of me at my place of work, this video shows me leaving the building to go for a "fag break" again a short distance. Also on the video it showed me on a shopping trip with my sons into the city, they claimed I walked about 2 miles or about 2 hours without a break. However the video was edited in fact the total lenth of the video is 55 mins. After the interview i was informed in the December 2007 that my DLA was stopped and the overpayment was to go back to October 2006 on the evidence of another witness who claims to have seen me shopping in a local supermarket about a year ago !! I am still waiting to hear from the DWP of any other action ie Criminal action, caution, the interview was some 5 months ago now. Any advice/comments would be most welcomed. Sorry its a bit long winded.........Pauld56

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I don't know, what have they told you about rights to appeal and stuff?

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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I don't know, what have they told you about rights to appeal and stuff?

Just the normal thing I have the right to appeal, and to supply any new evidence to support the appeal, but I'm stuck as still do not know what follow up the DWP are to do apart from the overpayment. Has any one else bee in this situation ? thanks for the reply

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Right Paul time for action. YOu want to send a SAR specifically asking for the tape they showed you plus anything else they have on your file (advice on preparing a SAR is in the letters area but if you need help just shout).

 

When you get your info back you need to sit and highlight anything that is wrong or misguiding.

 

With the tape sit and watch it and write down stuff like "start - 5 mins 01/01/07 0900, at work. Walked X meters to take a cigarette break. 5 mins - 10 mins 01/02/07 noon, at Tesco. Walked X meters to collect essential items of shopping. Rested for Y time." Sounds daft but it's to show that the tape has been highly edited.

 

Get onto your doctor or consultant or both and request a report on your medical condition.

 

If you have a carer (this can be your wife, kids, a neighbour or someone you employ to be carer) get them to write a statement saying in which ways you need cared for and how often.

 

Add in anything else you think is relevant, can you use public transport? Can you cook a meal for yourself? What happens if you walk too far without rest?

 

Photocopy it all, send a copy away with a letter saying you want to appeal and hope for the best. If it goes to tribunal don't panic, lots of claims are dealt with at tribunal and they tend to favour the disabled person.

 

If you need any more help just give a shout or try PM bookworm who is well clued up on this stuff.

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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I always understood to get the mobility component of Disability Living Allowance, your disability must be severe enough for you to have the following walking difficulties, even when wearing or using an aid or equipment you normally use:

  • you are unable or virtually unable to walk, or you have no feet or legs, or
  • you are assessed to be both 100% disabled because of loss of eyesight and not less than 80% disabled because of deafness and you need someone with you when you are out of doors, or
  • you are severely mentally impaired with severe behavioural problems and qualify for the highest rate of care component, or
  • the effort of walking could threaten your life or seriously affect your health, or
  • you need guidance and/or supervision from another person when walking out of doors in unfamiliar places

The DWP probably believe that because you can walk short distances around the office and you do not need guidance or supervision, that you have exagerated your claim and were never entitled to the high rate or any rate at all. Did you not realise from the DLA claim pack/guidance notes and letters that you may have been receiving the incorrect level of benefit?

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what we've got to remember is that sometimes people walk because they have no choice but they do so with considerable discomfort or pain. They can also walk in a specific manner; slowly, taking breaks, leaning on something, getting breathless etc. So the fact that you walked is not the indicator that you do not qualify for higher mob component; it's the effect of walking on your health, the manner of walking, the discomfort and pain it has caused, the distance, the time, the speed.

Do you have assistance from any advice agency/solicitor?

[sIGPIC][/sIGPIC]

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Hi Joa

Thank you for the reply I have seen the CAB and there dealing with the overpayment, but as for legal advice No I did seek advice and take a solictor with me to the interview under caution in October 2007 but he just sat there and said nothing and his advice to me afterwards was "Wait and see what happens" and as to date I still don't know what if any action by DWP Fraud are to take is this normal to wait so long before they decide if to take action ? Thanks again

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Not at all I had a Benefits doctor come to my home and he agreed that I should get DLA High rate mobility also my own GP and hospital consultant agreed I was awarded the DLA in 1995 I have been in my job since 2001 as I under the impression you are allowed to work while getting DLA, just as a after note since my DLA was stopped my condition as deterated and is starting to effect my Attendance at work, I am also back on Morphine Sulphate for pain a strong pain killer I was able to come off some time ago but now I am back on a high dose and in constant pain ... So if any thing the DWP are proberly going to be responsible for me having to stop work, paying taxes national insurance. I will then of course have to claim Incapacity Benefit or the new ESA allowence and of course become a burden on the tax paying people of the UK ... So who is the winner ?

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hi

I am a bit confused have some people replied via personal message,

 

No just on here I really do need some serious advice if you can help i would be most greatful

 

Paul

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subbing to this

 

hope you get it sorted

 

ive applyed for dla as i have 2 torn discs in me back

l4/l5 they thought it wa syatica at first and i cant walk properly or for long

applyed 6 weeks ago and still nothing

im on morphine as well 3 60mg a day and oramorph for wen i need a pain relife boost also gabapentin 3 300mg

to sort the pain and numbness in me leg

 

any way hope you get sorted soon m8

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the applications take ages to go through DCG so don't be surprised if something comes through your door in the next 3 or 4 weeks. If you want you can call up and ask for the status of your application.

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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subbing to this

 

hope you get it sorted

 

ive applyed for dla as i have 2 torn discs in me back

l4/l5 they thought it wa syatica at first and i cant walk properly or for long

applyed 6 weeks ago and still nothing

im on morphine as well 3 60mg a day and oramorph for wen i need a pain relife boost also gabapentin 3 300mg

to sort the pain and numbness in me leg

 

any way hope you get sorted soon m8

Hi DCG

Just an update I got a summons to attened the Magistrates Court on the 11/April/207 to face a charge under section 112 (1A) of the Social Security Administration Act 1992 mainly that between 11 October 2006 and 09 October 2007 at my home address that I the defendant with a view to obtaining for himself Disability Living Allowence failed to notify a change in circumstances whicj was required to notify,namely that his capabilities and mobility had increased contrary to the section. The date they are going back too is based not on medical evidence as I have a letter from my GP stating that in the last 10 years there has been no improvement or is there likely to be no improvement in the future. But on the evidence of someone who hardly knows me only by sight, that they "Saw me about a year ago shopping and I looked as if I wasn't in pain" the shopping by the way was a newspaper (The Sun) so from start to finish this has taken 5 months from Interview under caution to a summons....Any advice ? Have you had any progress on your claim to DLA ? also as a foot note my medacation has been increased for the pain I'm in since losing my car and having to travel to work on public transport this journey now takes over 1 hour so I have to take stronger Morphine Sulthate and of course the effects that has on me .... Best regards to all Paul

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2 threads merged, please keep to 1 thread per story, it's easier to follow that way.

 

 

Well, I think that you need to get as much of help from your GP as you can: Get him to list the medications you're on, with the dates they have been prescribed, the increases in dosages etc, everything that shows that to cope with the same condition, you have to resort to higher pain control methods. Get him to write a letter in layman's terms clearly stating that the whole claim is absurd as you have a condition which can not physically get better unless someone believes in miracles.

 

You'll want to challenge the witness statement, obviously: How does the witness know you weren't in pain? Is he/she a pain specialist? Does he know how much medication you were on at the time? How long did he see you for? How was he able to ascertain how much discomfort you were experiencing from seeing you there? Does he know what your pain thresholds are and how you express them?

 

At the risk of sounding awful, on the day of the tribunal, do not take any medication unless absolutely necessary and even then as little as you can to function. You want the judge to see exactly what it means for you having what you have and dealing with it the way you do. If it means at some point things will have to stop because you can't cope, well, maybe that will make the point across more clearly than anything else would.

 

You need letters or witnesses to testify how much help you get on a day-to-day basis, to document how bad things are. If you have someone who comes in to help caring, whether be a cleaner or a carer, social services or whatever, get them to write detailing it too.

 

One thing to note is that the charge is failing to notify of a change in circumstances, so you need to concentrate on showing that they haven't, and if they have, they have got worse, not better.

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