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    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
    • Evening all looking for bit of advice again , currently doing my own debt management , but think may have burgered up on 1 of the creditors (creation loan) had got sold to Intrum around nov 23 and havent paid anything to it since then , it never went to default ( I thought it did  , now checking credit file , intrum is there and says 1 missed payment and doesnt say account defaulted can i let that go and intrum will default it? hope that makes sense what i have said
    • Hi. You've left the PCN number on the 22nd March letter and your name on the one below that. It's best to cover those up please. HB
    • 1 Date of the infringement 14/02/24   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 21/02/24   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received 23/02/24   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? Euro Car Parks   8. Where exactly [carpark name and town] St Nicholas Street, Weymouth   For either option, does it say which appeals body they operate under. POPLA / BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here -Final Notification Letter from Euro Car Parks -Warning Of Legal Proceedings Letter from Debt Recovery Plus   Please can anyone advise on how to proceed from this point? I've read a number of threads about snotty letters etc but with the fact it's gone straight to a debt recovery company i doubt a snotty letter will get me anywhere. Is it just a case of waiting for a potential claim to come through or is there something i can be researching / doing in the iterim from this point forward? Many thanks, MDG convert-jpg-to-pdf.net_2024-05-02_17-59-16.pdf
    • wont remove the rest k , it was a joint vol charge. both your names are on the charge too.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Husband Pension denied - after husband sacked 10 years ago - nowhere to turn


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I am posting to get some advice, in regards the DLA TO PIP transition, as I have heard a lot of concerns with the medicals.

Basically, My husband stopped work 9 years ago due to mental health PTSD caused by his work accident, he was retired from work in 2009 due to permanent ill health with a work pension and (after many appeals and a long fight) he was awarded a Industrial Injuries Disablement benefit for life assessed at 60%, this was in 2011, he was also awarded short periods of DLA, he was assessed for HRC Care and low rate Mobility for indefinite period (this I understand replaced the life time awards). He is placed in the Support group for the ESA he receives and he is 50 years old.

 

 

My concern is that in 2011, he was assessed by his Psychiatrist and put on long term medication, and then transferred back to his GP as they have long lists for patient in Leicestershire for mental health care under a Psychiatrist, since that time his diagnosis has changed to Schizoaffective disorder with Anxiety, he does not go out, answer the phone or even associate with anyone much.

 

 

I don't know when his transition will take place but my concerns are:

 

 

1)Will he be required to attend a medical and can they refuse to do a home visit? Not everyone will need an assessment. If you can, get help filling in the forms and start collecting evidence which may help now, i.e. any reports from his work pension, care plans, in fact anything to support his diagnosis and needs. The good news is that I think your area is covered by Capita rather than ATOS, and Capita are much better at doing home assessments on request. Atos require a letter from your GP.

 

 

2)what will happen is they come to do his medical and he is not answering their questions or able to, due to his illness? The Health care professional will address questions to your husband. I would suggest you let him have time to answer if he'd going to, but then you answer if he doesn't. If the HCP tries to stop you answering, make sure it's recorded in your notes and ask them to record it in their notes. Particularly as you are his appointee, they are obliged to let you participate.You should also be prepared to expand upon/correct his answers as some people with mental health issues aren't aware of or underestimate the effects.

 

 

3)I AM THE appointee used by the DWP for his benefits, so will this be honoured and what if they say not I can not fill in his forms etc.

As appointee you will be allowed to act for him. I don't do phones and even though they're not appointees my son, daughter and husband have made calls for me which have been accepted. This morning ATOS didn't even ask if my son was an appointee before talking to him.

 

I know my husband is not able to speak to them on the phone, he will not even answer the kids phone calls, let alone the DWP?

 

 

He does not go out, and sleeps due to his condition and medication most afternoons, only will ever eat if he has food prepared and we can not go out, as he sweats profusely and causes embarrassment if we have tried, to take him to a café etc.!

 

 

I am concerned that his condition will worsen due to this assessment and any help is greatly appreciated so I can prepare for this transition to PIP.

 

 

The GP is not very good, and he has a CPN but as he does not go out, they have not bothered to come and see him, just giving a card just in case there is a emergency as they are short of staff, so don't know what support they can or will give in the application, he is on medication, which is taken 3x daily only if he is given this and supervised.

 

It might be worth speaking to the CPN and demanding a home visit just so it's on record - if you have to, exaggerate his condition enough to get them to come out. You could also send a letter to his GP (draft it now if you like, but don't send until you start the transition process so it's near the top of the notes) saying he's applying for the benefit, saying they will be able to support his need for a home visit and also support his care and mobility needs as a result of his condition which are (e.g. if I don't give him the pills and watch him take them, he doesn't).

 

 

Thank you

 

I am going through this transition at the moment so am speaking from both personal experience and as a long time contributor to this forum and others regarding disability and benefits. The most important thing to do at this stage is to familiarise yourself with the criteria for PIP, look in the forum stickies to find a link, work out where he should score points and make a realistic assessment of the level of benefit he should be awarded. As suggested above you should then start compiling evidence tailored to supporting those criteria, including keeping a diary of how he is affected on a daily basis and what you have to do for him. Good luck.

 

I've just noticed on my appointment letter that an appointee is required to attend the assessment with the claimant, and the assessment cannot go ahead if they don't attend.

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"If you want my parking space, please take my disability" Common car park sign in France.

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