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    • 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.
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    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
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Interview under caution....help


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I have to go for an interview under caution as I didnt inform the benefit people that my daughter had come back home , she was a mature student till last week, it was a simple mistake, my son was seriously ill in hospital and my dad was dying of cancer, when she moved back home. She was studying at a uni hundreds of miles away....it was the last thing on my mind.

 

Obviously there was no reason,other than an oversight, no monetary gain, she was a student and exempt from Council tax anyway.

 

 

im terrified of these people, and cant find a lawyer or anyone to go with me. Will I be ok on my own? I have a letter from her Uni proving she was a student.

 

Thanks

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Hey not sure im much help but i had my IUC on tuesday. it wasnt too bad but dont let them 'bully' you into something they want you to say, the lady at mine kept trying to get me to say that i didnt let them know my partner had worked (for a month) because i knew i want entitled to the money but i honestly forgot! I have been suffering from PND and gave birth in the month i had forgotten to let them know.

I went on my own because i felt i could explain why and i didnt have anything to hide.

Sorry this is abit rushed if theres anything else i can think of that will help i shall be back online later and im sure loads more people will be happy to help you.

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Next thursday. I dont think I have overpayment to worry about as there hasnt been any, its only that I forgot to tell them my daughter was back home. but as i say, she was a student, so exempt.

 

Happened to my friend with her son, but all she got was a letter asking her to explain, that was different council though.

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If there is no overpayment you have nothing to worry about ...so dont fret over it :)

 

I went to a IUC last year as I didnt tell them I had an increase in tax credits.My fault,but I thought they would find out automatically via tax credits.The IUC was a horrid experience being taped etc.I walked away with paperwork telling me they could do one of three things.

1.. A caution with overpayment to be paid immediately

2.. A caution with overpayment paid plus interest

3.. They would take me to court

 

Guess what ???? yes they took me to court. I had to wait and worry for nearly six months for this to happen.

When I went to court the case was adjourned two times for this that or the other.On the 3rd time I waited from 9am until 5pm for my case to be heard.I had a good solicitor who luckily did all the talking for me.

I didnt even know it ,but they had already started taking the overpayment back from my council benefit anyway .This I found out at the hearing.

The judges were very understanding ( I had gone through two operations for cancer at the time of my lack of telling the council of changes ) So,in the end I had to pay the council court charges on top off what I was already paying back. £730 at £20 a month.

 

Again,my case was much more serious than yours is ...so I stress to you..dont worry...I dont really see the need for them to treat your case this way but Councils have their own rules !!!

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Thanks for the replies guys, I really appreciate them. Can they do anything to me for simply not telling them she was living at home does anyone know?

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" but dont let them 'bully' you into something they want you to say, the lady at mine kept trying to get me to " Stressed Out Mum

 

that's very important , they are under a lot of pressure from on very high to fire leading questions at you to elicit a desired response .

 

If you feel you are being bullied and there's all different types of it , subtle bullying / verbal / psychological etc and / or the questioning is too repetitive - say so for the tape , call their bluff and assert yourself as politely as possible to keep the moral high ground . They probably won't like it ....but tough .

 

A Judge in a court sometimes wouldn't like Barristers leading the witness .

 

What they're after is for you to admit that you knowingly , wilfully or dishonestly failed to disclose .

 

Basically it's all about them having you on their territory and not knowing the rules of the game which they've had a lot of practice at .

 

You are at the end of the day , just another number , another case . I accept some one has to do the job though .

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Thanks for the replies guys, I really appreciate them. Can they do anything to me for simply not telling them she was living at home does anyone know?

 

Yes. There may be an overpayment of benefit. Your daughter would have been classed as a "non dependent" on your benefit claim, had you informed them she was living there. There can be deductions made to benefit for each non dependent who resides in the household.

 

If there is an overpayment, you will be required to repay this (probably from deductions to your current benefit).

 

There can also be further sanctions in addition to the recovery of an overpayment but this depends on a number of factors, such as how much the overpayment is, how long it was not declared for, whether there are previous similar incidences on your claim etc.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Is this solely to do with council tax benefit, or does it involve housing benefit as well?

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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For housing benefit, there is only an exemption for a non dependent deduction if:

 

  • the non-dependant is in receipt of Pension Credit
  • you or your partner are aged 65 or more and the non-dependant is a full time student,
  • you, or your partner, are registered blind or treated as blind (see page 69 or 71 for an explanation of being treated as blind) or
  • you, or your partner, are receiving the care component of Disability Living Allowance or Attendance Allowance in respect of yourself or your partner or
  • the non-dependant is aged 16 or 17 or the non-dependant’s normal home is somewhere else or
  • the non-dependant is in receipt of a training allowance or a YTS scheme or
  • the non-dependant is a full-time student (but deductions may be made during the summer vacation if the student does any paid work in this period) or
  • the non-dependant is a prisoner or
  • the non-dependant has been a patient in hospital for 52 weeks or more. If the non-dependant leaves hospital but is readmitted to hospital within 28 days their total number of days in hospital are added together
  • The non-dependant is in receipt of ESA(IR) which does not include a component.

No deduction should be made from your rent rebate or allowance if the non-dependant is under 25 and on Income Support or income based JSA.

A deduction may be delayed for 26 weeks if you or your partner are aged 65 or more and a non-dependant moves into your home or the non-dependants circumstances change to increase the deduction.

 

For council tax benefit, there is only an exemption for a non dependent deduction if:

 

  • the non-dependants' normal home is somewhere else
  • you, or your partner, are registered blind or treated as blind (see page 69 or 71 for an explanation of being treated as blind) or
  • you, or your partner, are receiving the care component of Disability Living Allowance or Attendance Allowance in respect of yourself or your partner or
  • the non-dependant is receiving Pension Credit,Income Support or income-based JSA or income-related Employment & Support Allowance
  • the non-dependant is a prisoner or
  • the non-dependant is severely mentally impaired or
  • the non-dependant is over 18 but Child Benefit is still payable for them or
  • the non-dependant is a student nurse or apprentice or on Youth Training or
  • the non-dependant has been a patient in hospital for 52 weeks or more. If the non-dependant leaves hospital but is readmitted to hospital within 28 days, their total number of days in hospital are added together or
  • the non-dependant is living in a residential care or nursing home or
  • the non-dependant is a care worker
  • the non-dependant is a resident of a hostel or night shelter for the homeless or
  • the non-dependant is a full-time student (even if they work full-time in the summer vacation).

A deduction may be delayed for 26 weeks if you or your partner are aged 65 or more and a non-dependant moves into your home, or the non-dependants' circumstances change to increase the deduction.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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In that case, for housing benefit, if she was on Summer Break at the time she was staying with you and doing paid work, there may have been a non dependent deduction for that period, had you declared the change in your circumstances.

 

For council tax benefit, there would not have been a deduction.

 

They may argue that they cannot do a retrospective claim calculation where there has been failure to declare and that you have still been overpaid on both; I've seen this happen with other cases where people have argued that there would not have been any monetary gain.

 

Bring the letter from the University which prooves her student status for the period she was living with you. They might give you a harsh warning and a reminder that you must declare all changes, but if there was no monetary gain, and there is nothing else against you I can't really see that there is much else that they can do.

 

Remember that they may not yet be aware that she's a student thus exempt. It's very important that you bring that letter with you and explain very clearly to them that you didn't realise you had to declare changes unless they actually affected your entitlement, which this does not appear to.

 

I know that the award notices advise you must declare changes but I'm also fairly sure that it is stated you must declare changes which affect your entitlement. Have a look at your most recent award notice and see what it says about this.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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