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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Dissecting the Manchester Test Case....


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If the Gov. provided sufficient and sensible 'Public Funding' (legal aid) that would help individuals who are in real need of specialist legal advice. Perhaps, many would not have gone to CMC's in the first instance.

 

As stated prior, it is nigh on impossible to obtain legal aid, especially in relation to consumer credit law;

the Gov. have cut back and cut back;

now they want to cut back some more!

 

No wonder, that vulnerable consumers are driven to CMC's...many spin a pretty yarn...

 

The point in issue here is that there must be some decent, reputable CMC's, just as there are no-win-no-fee solicitors.

But, the guy/gal on the street has no idea about where to find these firms, thus the inevitable happens, they get hit on by the wolves.

 

Many people are discontent, including solicitors who must wring their hands!

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If the Gov. provided sufficient and sensible 'Public Funding' (legal aid) that would help individuals who are in real need of specialist legal advice. Perhaps, many would not have gone to CMC's in the first instance.

 

As stated prior, it is nigh on impossible to obtain legal aid, especially in relation to consumer credit law;

the Gov. have cut back and cut back;

now they want to cut back some more!

 

No wonder, that vulnerable consumers are driven to CMC's...many spin a pretty yarn...

 

The point in issue here is that there must be some decent, reputable CMC's, just as there are no-win-no-fee solicitors.

But, the guy/gal on the street has no idea about where to find these firms, thus the inevitable happens, they get hit on by the wolves.

 

Many people are discontent, including solicitors who must wring their hands!

 

 

This is so true same as poster rightly states about the claim firms dealing with miners, this government doesn`t want ordinary people to get justice, my hubbie was a miner he was fleeced by the claim firms and now hese entitled to the knee claim but no claim firms will take you on unless your union will pay the costs which suprise suprise they won`t so you are having to find insurance to cover the claims should you loose and have to pay the other side

 

I presently want legal advice over a N1 filed which by 3rd March as been ignored every solicitor I have rung wants £150 for between 30-60 minutes just for advice, rung the Law Centre who say they will try and help if posssible but they might not have someone suitable

 

If I was an illegal immigrant I`d have help coming out of my ears, contacted Liberty by email no response and they only open 3 days a week for 2 hours a day and the phone line is always engaged

 

So yes it`s true we not meant to get any help and this government prefers it that way, mind you my MP in all honesty as been great and he did get the Parliamentary Ombudsman onto my case and they have took it on

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No wonder, that vulnerable consumers are driven to CMC's...many spin a pretty yarn...

 

The point in issue here is that there must be some decent, reputable CMC's, just as there are no-win-no-fee solicitors.

 

Personally, I don't think the latter example have done us any favours in this grab-it, greedy world. The only difference being that they are less of a direct threat to our precious Gov., so are left alone. CMCs on the other hand, represent much more of a direct threat to Gov/banking interests.... which is why they get no support.

Edited by PriorityOne
typo
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Funny how the Tax-Payer has been 'funding' The Banks...The Legal aid Fund was substantially funded by the taxpayer at one time.Funny how there was insufficient fund for public legal advice but funds for the Banks FROM THE SAME SOURCE....THE TAXPAYER

 

Funny how funding for public legal advice is not in the interests of the banks

Seems like there IS a 'design' going on here.

 

m2ae

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This is so true same as poster rightly states about the claim firms dealing with miners, this government doesn`t want ordinary people to get justice, my hubbie was a miner he was fleeced by the claim firms and now hese entitled to the knee claim but no claim firms will take you on unless your union will pay the costs which suprise suprise they won`t so you are having to find insurance to cover the claims should you loose and have to pay the other side

 

I presently want legal advice over a N1 filed which by 3rd March as been ignored every solicitor I have rung wants £150 for between 30-60 minutes just for advice, rung the Law Centre who say they will try and help if posssible but they might not have someone suitable

 

If I was an illegal immigrant I`d have help coming out of my ears, contacted Liberty by email no response and they only open 3 days a week for 2 hours a day and the phone line is always engaged

 

So yes it`s true we not meant to get any help and this government prefers it that way, mind you my MP in all honesty as been great and he did get the Parliamentary Ombudsman onto my case and they have took it on

 

 

If hubby was/is a union member & it was they who sent him to the claim firm it's they who must accept joint responsibility for any negligence OR provide the means to sue the CMC & or their legal advisors

 

Please PM me

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If the Gov. provided sufficient and sensible 'Public Funding' (legal aid) that would help individuals who are in real need of specialist legal advice. Perhaps, many would not have gone to CMC's in the first instance.

 

As stated prior, it is nigh on impossible to obtain legal aid, especially in relation to consumer credit law;

the Gov. have cut back and cut back;

now they want to cut back some more!

 

No wonder, that vulnerable consumers are driven to CMC's...many spin a pretty yarn...

 

The point in issue here is that there must be some decent, reputable CMC's, just as there are no-win-no-fee solicitors.

But, the guy/gal on the street has no idea about where to find these firms, thus the inevitable happens, they get hit on by the wolves.

 

Many people are discontent, including solicitors who must wring their hands!

 

and what is left of legal aid serves to make matters worse as most solicitors can earn far more in other areas of law that consumer credit disputes

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and what is left of legal aid serves to make matters worse as most solicitors can earn far more in other areas of law that consumer credit disputes

 

Pity...!

 

by Laura Cooke:

"If I was an illegal immigrant I`d have help coming out of my ears..."

 

Personally, I believe that solicitors and specialist Consumer Credit Law Barristers would like to be able to provide opinions to individuals under the legal aid/public funding system.

Unfortunately, it is clear that the Gov. will not allow this to happen, as the funding has been cut back so much (?), it is almost meaningless. Therefore, these professionals cannot advise individuals on their cases, due to lack of the required public funding.

 

We have arrived at a very sad time, when the Gov. prefer to prop up the Banks.

But, will not provide 'Justice' to the Common Man/Woman (who have valid complaint(s)/dispute(s)

 

OUTRAGEOUS; roll eyes; shakes head...

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But, will not provide 'Justice' to the Common Man/Woman (who have valid complaint(s)/dispute(s)

 

OUTRAGEOUS; roll eyes; shakes head...

 

Including them that don't!!

 

Convicted drug dealer keeps his £4.5m fortune - because lawyers refused to work for £175 a day | Mail Online

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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None of the governing bodies are operating as they were set up to do Offcom allowing energy suppliers to charge what they like, ICO not issuing £5,000 penalties, OFT siding with Creditors, FOS passing the book

 

Human Rights Act only seem to be helping criminals or immigrants I have yet to hear otherwise, I`m presently desperate for help over a human rights issue but I can whistle I know that as I don`t come under one of the two catergories

 

Then that leaves us with not what you know but who you know left as a tiny bit of consolation for help which eliminates me from help that way as well lol

 

Great Britain is letting down its people who once made it great

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'New rates of pay for a QC start on £91 per hour and £79 for a leading junior.'

And that's for the lower rungers--next time around I want to be a QC:D

 

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Hi Laura C,

 

Yep, totally agree. I looked at the Lisbon Treaty as much as I could understand, and guess what Gung-Ho Gordon and his merry men have signed us up to a treaty which forces all the bad bits on us mere mortals but hidden away in the appendices it says that Poland and the UK will not be bound by all the good bits it will the "law" prevailing in those two countries.

 

Hooray Henry Cameron has now taken the cowards way out of this as well now!!!!

 

Apologies for the politics folks

 

regards

oilyrag.:)

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I am absoluely convinced that the regulators have been sitting on their hands to allow [problem] CMCs to proliferate thereby causing the general public to conclude that every CMC or no win no fee solicitor dealing with CCA cases is crooked.

After all what would happen if millions of punters won their unenforceability cases and the banks were facing closure again?The government would have to bail them out again!

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None of the governing bodies are operating as they were set up to do Offcom allowing energy suppliers to charge what they like, ICO not issuing £5,000 penalties, OFT siding with Creditors, FOS passing the book

 

Human Rights Act only seem to be helping criminals or immigrants I have yet to hear otherwise, I`m presently desperate for help over a human rights issue but I can whistle I know that as I don`t come under one of the two catergories

 

Then that leaves us with not what you know but who you know left as a tiny bit of consolation for help which eliminates me from help that way as well lol

 

Great Britain is letting down its people who once made it great

 

 

Human Rights Issue? what is the main subject? Immigration Issue would it be///

:mad2::-x:jaw::sad:
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It`s getting more like a Communist country by the minute oh how I wish i was an illegal immigrant the world would be my oyster lol

It's much like a communist country in that all out, unregulated capitalism has created a political and economic system that is ironically very similar to that of a communist state; a small self-serving elite of politicians, law administrators and 'economic managers,' enriching themselves and staying in power above the mass of other people below them.

 

it's funny for all the fear [which still daftly exists] of us being taken over by Wolfie Smith's et al, we have in the end been taken over by 'nice' men in suits, who have imposed the same [if not worse] system on us.

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It's much like a communist country in that all out, unregulated capitalism has created a political and economic system that is ironically very similar to that of a communist state; a small self-serving elite of politicians, law administrators and 'economic managers,' enriching themselves and staying in power above the mass of other people below them.

 

 

What I find so damn annoying is that we are still technically a democratic country (quite how swapping one lot of misdirected politicians for another lot of misdirected politicians every few years is truly democratic I can't fathom but that's another discussion) so it should be within the power of us all to demand and get the changes that the democracy all want.

 

I for one, just once in my life, would love to see the people of this country boycott one of the big banks in a show of force just to remind them who really has the power and just how vulnerable they actually are. Money and cash flow through accounts is their blood stream, without it they literally would stop functioning and as there is no honour among thieves this paralysed institution would be shunned by the rest very quickly leaving it even more vulnerable.

 

The only time I've ever really witnessed any kind of collaborative effort was during the petrol price stand off a few years back. That amounted to a few quid extra for us all per week depending on mileage. This is dwarfed by the burden of the banking crisis yet the vast majority still pay their wages in to the same bank whilst quietly moaning about it.

 

The UK lost its spine years ago and this is probably why the powers that be attempt and secure their authority over us all. In truth they don't take it from us, we all line up willingly and hand it over. Tragic.

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None of the governing bodies are operating as they were set up to do Offcom allowing energy suppliers to charge what they like, ICO not issuing £5,000 penalties, OFT siding with Creditors, FOS passing the book

 

Human Rights Act only seem to be helping criminals or immigrants I have yet to hear otherwise, I`m presently desperate for help over a human rights issue but I can whistle I know that as I don`t come under one of the two catergories

 

Then that leaves us with not what you know but who you know left as a tiny bit of consolation for help which eliminates me from help that way as well lol

 

Great Britain is letting down its people who once made it great

 

How very TRUE!!

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