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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Atos+esa=nightmare


tiredeyes
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I have commented on other threads & had good advice from that, thankyou :) As i felt like i was hijacking someone else's thread i decided to start my own, i feel like i need a good old rant with people i know are going through this outrageous experience :(

I was diagnosed with bipolar II 4 years ago, was put on strong medication & tried lots but the side effects i found were worse than the illness at that time even though functioning normally was completely out of the window and as i have 4 children i managed on income support. My illness as it does got worse & i eventually went back to my GP and referred to my original psychiatrist who is brilliant btw:D He put me back on meds. I then put in a claim for ESA Aug 09, i did my questionnaire in september ish. I waited then for my assessment date As my illness has worsened again over the last 6 months & i now have severe anxiety disorder i have had meds changed/increased again so i just waited for my appointment, i eventually received my letter from ATOS to ring & make an appointment, at that time i explained to ATOS i couldn't even go out the house due to panic attacks never mind travel 26 miles for this assessment! To be fair he was a nice bloke & told me he'd still have to make me an appointment Sunday 6th June that i had to ring & cancel the morning of it & gave me a fax number etc for my GP who is also brilliant:D to send info as to why i can't attend in other words i had to do all the running!!

As happens the new meds have helped although i'm far from well, i decided i could manage the apointment, my mum & dad took me, she goes to all my appointments with me

Needless to say the whole experience was traumatic, when i got there i was told it would be just over an hours wait did i want to make another app or would i be ok waiting???????? Obv i waited, more & more people came in with nowhere to sit, the heat was unbearable & it was raining outside!!! there was an old fan on the wall that looked like it had been there since the 60's was the air conditioning we were told :rolleyes:

My wait was about an hour & i was in there 20 mins, he had me squatting & bending & stuff, how bizarre i thought:-? He didn't speak good english either & i did try & tell him i couldn't understand him but he just carried on tapping at his keyboard, i don't think he actually looked at me once!!

The whole thing left me feeling unwell & very uneasy & as i suspected i failed the ATOS assessment, he gave me 9 points as i need to be with someone when i'm out????? so he's said i can't go out alone yet i'm fit to work?????? I saw my CPN yesterday & she advised me to take everything to CAB (got app thurs) I so hope they can sort this out for me it's just appalling we have to go through all this to get what we're entitled to, i'd love to go out to work & be able to socialise again, i'm hoping i will at some point, that is my aim anyway:)

Anyway rant over:p Any advice would be much appreciated as this is gonna be a real struggle for me

lv T xx

I'm selfish impatient and a little insecure, i make mistakes, i'm outta control, and at times a little hard to handle, but if you can't handle me at my worst, then you sure as hell don't deserve me at my best!!-Marilyn Monroe

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Hi, Tiredeyes, sorry to hear you are going through such a hoo ha at the moment.

 

I'm just going to throw out a few ideas, which may not suit as my situation is different to yours: my challenges are clinical depression and ME/CFS, my partner has heart trouble, back & mobility problems... but here goes:

 

Have you got a Welfare Benefits Officer through your local council? My disabled partner has a WBO who has been assisting him get over DWP cock-ups.

 

There is also the DIAL website (click here for more info) if you consider yourself disabled - I know they have helped some with ME who have had to appeal benefits decisions.

 

Also you might find some helpful info in the forums on the Benefits & Work site, which also offers a free newsletter - click here (Please note I'm not promoting this site, just telling you about something that helped us:))

 

If none of this is suitable for you then I hope someone will be along shortly who can help.

 

Take care, all best,

H.x:)

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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I have commented on other threads & had good advice from that, thankyou :) As i felt like i was hijacking someone else's thread i decided to start my own, i feel like i need a good old rant with people i know are going through this outrageous experience :(

I was diagnosed with bipolar II 4 years ago, was put on strong medication & tried lots but the side effects i found were worse than the illness at that time even though functioning normally was completely out of the window and as i have 4 children i managed on income support. My illness as it does got worse & i eventually went back to my GP and referred to my original psychiatrist who is brilliant btw:D He put me back on meds. I then put in a claim for ESA Aug 09, i did my questionnaire in september ish. I waited then for my assessment date As my illness has worsened again over the last 6 months & i now have severe anxiety disorder i have had meds changed/increased again so i just waited for my appointment, i eventually received my letter from ATOS to ring & make an appointment, at that time i explained to ATOS i couldn't even go out the house due to panic attacks never mind travel 26 miles for this assessment! To be fair he was a nice bloke & told me he'd still have to make me an appointment Sunday 6th June that i had to ring & cancel the morning of it & gave me a fax number etc for my GP who is also brilliant:D to send info as to why i can't attend in other words i had to do all the running!!

As happens the new meds have helped although i'm far from well, i decided i could manage the apointment, my mum & dad took me, she goes to all my appointments with me

Needless to say the whole experience was traumatic, when i got there i was told it would be just over an hours wait did i want to make another app or would i be ok waiting???????? Obv i waited, more & more people came in with nowhere to sit, the heat was unbearable & it was raining outside!!! there was an old fan on the wall that looked like it had been there since the 60's was the air conditioning we were told :rolleyes:

My wait was about an hour & i was in there 20 mins, he had me squatting & bending & stuff, how bizarre i thought:-? He didn't speak good english either & i did try & tell him i couldn't understand him but he just carried on tapping at his keyboard, i don't think he actually looked at me once!!

The whole thing left me feeling unwell & very uneasy & as i suspected i failed the ATOS assessment, he gave me 9 points as i need to be with someone when i'm out????? so he's said i can't go out alone yet i'm fit to work?????? I saw my CPN yesterday & she advised me to take everything to CAB (got app thurs) I so hope they can sort this out for me it's just appalling we have to go through all this to get what we're entitled to, i'd love to go out to work & be able to socialise again, i'm hoping i will at some point, that is my aim anyway:)

Anyway rant over:p Any advice would be much appreciated as this is gonna be a real struggle for me

lv T xx

 

Hi, welcome to our special club!

 

Not much I can say as you have said it yourself, and no doubt after reading the posts on this forum you should have come to the conclusion that the whole thing is a complete c**k-up!!!

 

What I will say is that you are a far braver person than me.

 

Been there and got the teeshirt as regards mental health conditions. I spent over 7 years going through the NHS 'system' spending time locked up in a secure unit and having every manner of drugs handed out to me. As you say - half the time the drugs make you feel worse!

Well I had had enough and stopped seeing all of the 'specialists' that begin with a 'p' and refused the drugs. Bit by bit I dropped below the radar and now everybody assumes that I am recovered and fit.

 

The only way I survived was to detach myself from society at large and people in particular. I have become something of a recluse. Don't go out, friends stopped calling years ago, have no social life, but I do have a wonderful wife who means the whole world to me! At least I feel 'normal' without those mind games and drugs.

 

You stick with it as you are doing and don't give up like I did. You will find your place in life. I would hate you to feel as isolated as I do all for a quick fix.

Be brave & take care!!!

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Thanks for the support guys :)

My appeals gone in, a really nice lady from CAB came out to my house to fill in the appeal form, she also went through the ATOS medical with me & scored me 80 points!!!!! She said its terrible atm they've just got so many appeals to deal with.....this is how the government save money????????????????? It makes me so angry we have to go through all this to get what we're entitled to, the whole system stinks :mad: & now sounds like we're gna have to go through this awful experience for DLA eventually :(

I'm def gna stick with this, i couldn't be bothered last time i failed my assessment when i was on IB but this time i've got the fire in my belly, i've seen & read about all these people that have to go through this utter rubbish & it's just NOT RIGHT!!!!

Lv T xx

I'm selfish impatient and a little insecure, i make mistakes, i'm outta control, and at times a little hard to handle, but if you can't handle me at my worst, then you sure as hell don't deserve me at my best!!-Marilyn Monroe

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I bet the CAB is buckling under the strain, their report says that the present system is unfit for purpose.

It's like a broken juggernaut leaving wreckage in it's wake. It's a great way to make people more ill and push them into poverty and/or homelessness.

It's really getting to me recently, the future is looking scary now. Still, one day at a time, it ain't over till it's over.

 

dj

Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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Thanks for the support guys :)

My appeals gone in, a really nice lady from CAB came out to my house to fill in the appeal form, she also went through the ATOS medical with me & scored me 80 points!!!!! She said its terrible atm they've just got so many appeals to deal with.....this is how the government save money????????????????? It makes me so angry we have to go through all this to get what we're entitled to, the whole system stinks :mad: & now sounds like we're gna have to go through this awful experience for DLA eventually :(

I'm def gna stick with this, i couldn't be bothered last time i failed my assessment when i was on IB but this time i've got the fire in my belly, i've seen & read about all these people that have to go through this utter rubbish & it's just NOT RIGHT!!!!

Lv T xx

 

Hi, without being personal, but in what part of the country do you live that has guys from the CAB coming out to complete appeal forms and review the medical report?

 

Wherever it is, don't move!!! Down here in Kent getting to see anybody at the CAB is bad enough never mind having a home visit!! Twice I missed the 'first 10' and had to go home until the following day to see if I could make the numbers game again. Third visit was sucessful, after 90 mins got to see a lady who took my details and told me to go home. She said they would contact me in due course to go in for a preliminary chat. After 4 weeks I went to the appointment to explain my problems ESA/appeal etc. She told me to go home and await another appointment after she had received all of the documentation from the DWP. That was in mid May and haven't heard a thing since. So it looks like I'm on my 'Jack Jones' to get the evidence etc together.

It's a good job I didn't need them to fill out the appeal form as I would have been well out of date with it!!

You lucky thing.

 

I wish you all the best and are CAB looking after the appeal process - Tribunal for you?

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Hi, without being personal, but in what part of the country do you live that has guys from the CAB coming out to complete appeal forms and review the medical report?

 

Wherever it is, don't move!!! Down here in Kent getting to see anybody at the CAB is bad enough never mind having a home visit!! Twice I missed the 'first 10' and had to go home until the following day to see if I could make the numbers game again. Third visit was sucessful, after 90 mins got to see a lady who took my details and told me to go home. She said they would contact me in due course to go in for a preliminary chat. After 4 weeks I went to the appointment to explain my problems ESA/appeal etc. She told me to go home and await another appointment after she had received all of the documentation from the DWP. That was in mid May and haven't heard a thing since. So it looks like I'm on my 'Jack Jones' to get the evidence etc together.

It's a good job I didn't need them to fill out the appeal form as I would have been well out of date with it!!

You lucky thing.

 

I wish you all the best and are CAB looking after the appeal process - Tribunal for you?

I live in Skegness, lincolnshire :) & they were brilliant with me, spoke to someone on the phone early morning & the lady was at mine just before dinner i was really shocked tbh don't normally get help like that :rolleyes: Yes CAB are lookin after the whole thing for me thank god, i couldn't manage it on my own :confused:

Your experience with CAB is appalling i don't know how you cope just what you needed eh, keep going tho hopefully it'll all be worth it in the end :D

I do think they're getting a bit p'd off with all these unnecessary appeals they're helping with, the lady i saw described them as "useless" & this is how our country saves money?????????

Lv T xx

I'm selfish impatient and a little insecure, i make mistakes, i'm outta control, and at times a little hard to handle, but if you can't handle me at my worst, then you sure as hell don't deserve me at my best!!-Marilyn Monroe

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Brighteyes, I'm really glad to hear you've got the help you needed from the CAB - all best of luck with everything & try not to worry in the meantime.

 

Take care,

H.x

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Thanks for the support guys :)

My appeals gone in, a really nice lady from CAB came out to my house to fill in the appeal form, she also went through the ATOS medical with me & scored me 80 points!!!!! She said its terrible atm they've just got so many appeals to deal with.....this is how the government save money????????????????? It makes me so angry we have to go through all this to get what we're entitled to, the whole system stinks :mad: & now sounds like we're gna have to go through this awful experience for DLA eventually :(

I'm def gna stick with this, i couldn't be bothered last time i failed my assessment when i was on IB but this time i've got the fire in my belly, i've seen & read about all these people that have to go through this utter rubbish & it's just NOT RIGHT!!!!

Lv T xx

 

Don´t ever let the bar......ds grind you down tired-eyes. I have the same condition as you, Bipolar II (I was on Depakin and because my hair was falling out and I was shaking all over the psychatrist has now changed them to Lamictal. To be honest, I felt better on the Depakin but did not want to have to wear a wig, but it may be the case where I have to go back on them. I have also suffered from Anxiety/Panic Attacks for over 20 years as well as clinical depression, I take Alprazolam for anxiety/panic and Sertralina for depression.

 

Back to you........I know how you feel with the fight you have on your hands, the only difference is is that I live in Spain and have not met the dreaded Atosh, but if one is in Spain and would like to see me, I´d be only too pleased. You can read my story on my link "Disability Living Allowance in Spain" if you like. I receive long-term IB in the exempt category and am due for an assessment after 5 years of being wrote of with a "severe mental health disorder", DWP´s doctors words not mine. I have also been fighting for DLA since February 2007 and my (DWP) appeal has turned me down 3 times. I am now at the stage where my submission has gone to 1st Tier Tribunal and if it does not go in my favour, my legal advisor will get it elevated to the Upper Tribunal, if that fails, then I will get him to visit the Queen ;-) Not that she would probably care. I have a very good legal advisor who is helping me for free. In fact, my submission for DLA was posted to the Tribunal office today. And I must say my submission is that good, it will wipe the DWP´s submission straight of the planet. So many faults have been found in their preparation. These "mistakes" always have to be looked for, you will find many and it all goes to help towards your appeal and Tribunal hearing if it goes that far. Also keep all medical evidence you get, past and present. And if you can, keep a note of dates, times, names, and conversation everytime you contact the DWP.

 

I will not ever give up. And it is all the harder for me because mine is a new claim for DLA from Spain. It has taken it´s toll on my health with all the crap the DWP have put me through, and damages will also be sought which everyone has an entitlement to. I know I am in the right and the DWP know they are in the wrong. There submission reads like "they are bookmakers, hedging their bets".

 

Chin up, I know it is hard, but like you I felt like giving up after being turned down on the 26 week rule and "dependency", but now I have found my saviour (legal advisor). I am 100% confident that my appeal at Tribunal will win. And this is coming from someone who sees the glass as half empty rather than half full.

 

Keep going and justice will be yours.

 

Take care

GS x :)

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