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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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JSC makes me laugh


Greer8472
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Now self-employed vacancy is not in my contract and now the JSC is now investigating it. The idiots who put the vacancy on the Direct.gov web site do not mention it was a self-employed vacancy and even got the steps to apply completely wrong.

 

It says to phone up for an interview to apply but when I done a bit of investigation before hand it turns out you do in fact need to send CV, cover letter blah, blah, blah. On the site it mentions these are self-employed vacancies.

 

Now I have to waste my time writing responding to another form and some how get evidence that it was indeed a self-employed vacancy. The vacancy has now closed and no longer on the web site and now I hope the email I am going to send to this agency will give me confirmation that it’s indeed that this is the case.

 

Why did the person at the Job Centre Plus take that answer and leave it be. The person at the Job Centre did not question my answer at the time and said it would be ok and left it as that also how comes now after 5 months I see a able person at the Job Centre who not actually gives me some real advice on my search criteria and is actually willing to look at my CVs correctly and not just have a glance at it like last time.

 

GRRRRR!!!! I am pleased I don't have other benfits to claim for and not living in my own premises. This is crazy.

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I have no idea what the JSC is?

 

If the vacancy was through the jobcentre then whether it is closed or not doesn't matter because the company and its vacancy history is still available on the jobcentre's LMS system.

 

It is also fair to point out that providing CV support is not something a jobcentre advisor is expected to do. Someone with experience may do this but others with less experience who could help you may actually harm your chances of finding work. Due to this possible discrepancy, the goverment decided to allow outside organisations (called providers) to take this area on.

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@ Greer totally agree with you about the comments you have stated.

 

the Job centre actually stopped my benefit for 2 whole weeks as i sent 27 letters off in one week for employment and for all those of you wondering about the Job centre not all of it that bad they do have a habit of covering thier own tracks to protect them self agianst the customer ie people on benefit etc

 

things i've discovered with the above is to go and buy a dictaphone for everytime you sign on etc and yes you are allowed to record them i have this evidence from thier office after the staff reported me for this but after lots of letter writing and a bit of research they admitted the error and said people are allowed i will find the letter if you or anyone requires it and will post it on here for anybody

 

also with the job centre if your writing any complaint etc is to write it etc take it to the job centre in person ask the front desk staff to stamp it for acknodlegment then ask them to photocopy it then ask them to sign it which they will do and if possible thier name on it if they refuse ask for higher authority or something they 9 times out of 10 will do this .

 

they will question why you want it done this way just tell them for proof they recieved it

 

as they have a bad habit of losing appeals etc that's what i learnt the hard way anyway they only owe me about £1000 so happens to me quite often i'm used to it like may others i guess

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