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    • 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
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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i'm here again, cap in hand - so to speak...

after saying i wasn't going to do it again, i'm doing a run for cancer research. and this time it's twice as far. the first ever jane tomlinson hull 10k run. 23 may - that's seven weeks from yesterday.

 

my friend and i have been running through the winter - weather allowing.

we can run 3.5 miles with only moderate effort so now we will be upping our mileage to shoot for the 6.2 on race day. we are so slow they should call it a turtle race. my friend was all excited, she said race teams from hull city, hull k.r. and hull f.c are going to run in the race. i told her she might see them at the start but they will all be in the pub a long time before we are!

 

so, as i said i would let some of you know if i ran again - well, i am and if anyone feels like they would like to sponsor me i really appreciate it; no matter the size of the contribution. thanks for your help. hope i've done the link right

 

http://www.justgiving.com/Lattie-LorainneArnell

 

 

 

love,

lattie

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No problem Latty. Will put some money in the pot in the next 10 days. You really are an inspiration and should give yourself a very large pat on the back.

 

I have just had a breast cancer scare and am being put on tamoxifen as a precautionary measure so.... 'go latty go' xxxx

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oh chris, that's scary. especially after all you went through with you mum last year. hopefully the tamoxifin will take care of any problems.

thanks for the good thoughts. we may need them, these old legs are pretty stiff today after hitting the pavement.

you take care -:)

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Nice one Lattie :D Way to go girl !!

 

I think you have set your sights to low. I'll pop something in when my boat comes in on payday, although with my luck, I'll be at the airport !!

Please help us to help you. Download the CAG tool bar for free

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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oh chris:eek:, i hope you haven't overdone it! thank you for your incredible donation......

you know i will think of you and ruby and all those who have lost loved ones.

this is also for those who might not have to go through that ordeal because of the advancements being made all the time for the prevention and cure of cancer.

thanks again for your fantastic help.

 

 

 

 

mr.l - i think you may be right. i'll up my goal a bit.

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and thank you for the donation, pete!

went running this morning (and a beautiful morning it is here in 'ull). we did 3.5+ miles then went for a coffee. morning is defo our best time to run. no traffic - this week no kids - just us and the spring flowers. hull is awash with dafs this year.

we will up the mileage each t ime a little. we only run twice a week and it's 6 weeks sunday til the race so we only have 12 more runs before the big day.

 

thanks again, pete and to the others who have donated. :D

 

 

 

 

 

http://www.justgiving.com/Lattie-LorainneArnell

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It's on the way Lattie xxxx...... :D and I think , like Mr L you can afford to up your target ..... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Lattie, I'm sorry I really really can't do anything at the moment... Mortgage due next week and touch and go whether I'll manage it. :-( If I can get my finances back in order before your run, I will try though.

 

I beg you, get a mod to change your title. It made my hackles rise just to read it, even as a spoof!!!! :oops::-D (I can't start to describe my contempt for the programme you are spoofing... Long story. Or maybe not. some other time maybe. :razz:)

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dear johnnymitch and tillie, thanks for the donations - i'm really thrilled with all the support. jm, i think you are right -i'll put up my goal again.

better to start small and put it up than be struggling.

bookie, i bet i don't like her as much as you don't but as they say, all publicity is good publicity and no one does publicity better than she does.

don't think she will get me for plagerism do you?!:rolleyes:

 

thanks again guys, i'm truly grateful

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it never ceases to amaze me how many people's have been affected by cancer. it's about bloody time we get to grips with it and get rid of it.

my total for last year's race for life was just over £800 - thanks in no small part to the generosity of caggers.

bring it on - 10k this time - it won't be pretty but we'll do it!

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