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    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
    • I'd get back to them tomorrow, and explain the circumstances, that you have a wedding reception, and just appeal to their better nature. Hopefully they will be able to move sooner rather than later, especially if you go in in person and speak to them, and show them the issue.
    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
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Crohns Disease and ESA Medical


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Hi, Was just wondering if anyone has Crohns and gone to the ESA Medical? I have been off work since april because I have severe Crohns and they can't seem to control it. I am due to go for my medical in a few weeks but don't know what to expect. I have read alot about these medicals, not good reads i may add. I have seen the points score system and work out that I have at least 30, but thats me looking at it not these job's worths at the assesment.

Any help/advice would be great

 

Cheers

 

Neilfisk

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  • 4 weeks later...

Hi Neil,

You may have already come across this in your travels, a guide to the self assessment for people with Crohns / IBS. if not hope it helps:

http://www.nacc.org.uk/downloads/disability/pca.pdf

From the National Association of Crohns and Colitis website.

Good luck with this...it's always difficult to explain to anyone how an illness without any visible physical manifestations makes you feel. Human nature makes us tend to minimise the problem and work around it. The exam is a situation where you must not feel guilty about fully elaborating on how the condition makes you feel on your WORST day. Make sure you assert that you have MORE worse days in the week than better days.

They work on proportions. This condition can vary so much-from days when yes, you might feel able to do fairly normal activities, to days when you can't leave the house and have to curl up in bed with the pain. Or, you may leave the house feeling fairly OK..then end up doubled up in pain, needing the loo. The psychological aspect is significant...it can cause depression, even make you feel agorophobic, not wanting to leave the house or afraid to go out alone. You need to impress all this this upon them. Give them the worst case scenario.

Let us know how you get on

Elsa xx

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Hi Elsa,

 

Thanks for the reply. I have been looking on the web to see if there is any other people with the same condition as mine and have gone for the medical but can not find anyone. I am part of NACC and have got all the info from their website.

I went for my assessment on Thursday past and the ATOS doc was really good, not like the horror stories I have been reading. We went through all the questions etc and he told me that he did not like the new ESA system and that it was conning genuine people out of the benifits they need. He also told me not to worry about the assessment as he has made sure that I will pass. Don't know how this will work if he say's it? But I will get my letter next week sometime and will hear what they have to say. I will update this when it come's through.

Cheers

Neil :)

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Hi Neil,

That's great, sounds promising :)

Sometime's it's down to personalities rather than the system..glad you got a decent one.

How's the treatment going?

My daughter has a similar problem (severe IBS) and we've found if she keeps stomach acid reduced with ranitidine (zantac) at 150mg a day, her lower bowel symptoms improve dramatically. (In some people the stomach acid isn't neutralised by the dysfunctional gut chemistry, so it can cause irritation in the colon.)

Good luck with it,

Elsa x

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Hi Elsa,

Yeah it does sound promining does'nt it. Finger x'd. My treatment aint going to good. I have been on all the drug's poss to help with my crohns, inflixamab,thulidomide,methotraxate and am currently on adalimamab and azathriprine. But to no avail unfortunatly. Next step is another op or there is a new trial going on in Nottingham Uni where they give you a bone marrow transplant. Just have to wait and see. I take lanzaprozole to help with my gut acid and it's great :).

 

Cheers

Neil:)

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I have similar situ to you Elsa, neil,

 

Was in hospital when I filled out the med form, I've had Chrons/colitis since 2006 (my consutlant wont give a sure answer on which I have, although the surgon who operated on me says most likley chrons) i've had the azathioprine, Prednisone, Asacol, Omeprazole, which came to ahead last year when my colon developed a small hole and leaked all over my spine and hip, they operated and removed 2 foot of colon and created a tempory stoma, I was working on a temp contract at the time and claimed ssp, during this time I was 'let go' by the company and called DWP and was put on JSA, in Nov i had the stoma reversed and I am still recovering now, my scar hasn't healed and the constulants both said I need time to recover, I hope I get a doctor like you got Elsa, who understand what Impact IBD can have on a person.

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