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    • So I guess I may be on my own for this mediation ... I am not certain the CCA request has been satisfied .. or if the CPR has been .   And then I appear to have evidence that the Default notices provided are fabricated ? Yet, I do have (elsewhere ... not at home) Default letters from Capital One I can check ..
    • I submitted CCA request and CPR 31.14. However, I didn't get any proof of postage or use registered post for the CPR (an oversight) but did with the CCA request. I received a pack which included a letter from Overdales, going over the defence I'd filed, as well as letters of Lowells and reprints of letters from Capital One. But I have no idea if this pack is in response to the CCA request or the CPR ! I would have expected two separate responses ... although I do know they are both the same company.   Looking over the pack today, and looking through old emails .. I find some discrepencies in the Capital One default letters (notice of default and Claim of default). They are both dated *before* an email I have stating that a default can be avoided. The one single page of agreement sent (so not the full agreement) has a 16 digit number at the top in small print, next to 'Capital One' which corresponds to a number called 'PURN' printed at the top of each of the 10 pages of ins and outs of the account (they're not official statements, but a list of monthly goings) yet no mention anywhere on either of the account number. I cant really scan them at the moment - I can later tomorrow, but that will be after the mediation call I'm sure.
    • Here is my Defence: Defence - 1. The Defendant contends that the particulars of claim are vague and 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. I have in the past had an agreement with Capital One but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request.. 3. Paragraph 2 is denied. I am unaware of having been served with a Default Notice pursuant to the Consumer Credit Act 1974. 4. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) 5. The Defendant has sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of said request. 6. A further request has been made via CPR 31.14 to the Claimants solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The Claimant has not complied and to date nothing has been received. 7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement and; b) show how the Claimant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 88 CCA1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim 8. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed 9. 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 10. 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.     Please note that I had to write a defence quite quickly as I hit the deadline. At the time of writing the defence, I hadn't been able to find correspondence from Capital One, but had since found default letter etc.
    • Which Court have you received the claim from ? Civil National Business CEntre       If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? Lowell Portfolio i Ltd   How many defendant's  joint or self ? 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. 15 Feb 2024     Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. The claim is for the sum of £922 due by the Defendant under and agreement regulated by the Consumer Credit ACt 1974 for a CApital One account with an account reference of [number with 16 digits] The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit ACt 1974 which has not been complied with. The debt was legally assigned to the claimant on 16-06-23, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of the issue of these proceedings in the sum of £49.15 The Claimant claims the sum of £972   What is the total value of the claim? £1112   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I dont know the details of the PAPDC to know if it was pursuant to paragaph 3, but I did receive a Letter of Claim with a questionaire/form to fill.   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? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   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 ? Online   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. Assigned/purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware, I'm not certain I received a 'Notice of Assignment' from Capital One but may have been informed the account had been sold without such a title on the letter?   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not since the debt purchase, and not from Capital One.   Why did you cease payments? I can't remember - it was the tail end of the pandemic and I may not have had enough income to keep up payments - I am self-employed and work in the event industry - at that time. I also had a bank account that didn't allow direct debits and may have just forgotten payments and became annoyed at fines for late payments.   What was the date of your last payment? Appears to be 20/4/2022   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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Won esa appeal help what does this mean??


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I have won my appeal but am unsure which group I shall be put into this is what the decision notice says.

 

The Appeal Is Allowed.

 

The Decision Of The Secetary Of State Issued On 12/01/2010 Is Set Aside.

 

The Tribunal Considers Descriptor 16 (b) Intiating and Sustaining Personal Action Is Appropriate And So 15 Points Are Awarded.

 

This Will Passport Mr (My Name) To Schedule 3 Descriptor 10 (b).

 

What group will I be put into I read up and schedule 3 descriptors mean limited capabiliy for work related activity. Wanted to confirm with people who have knowledge on hear.

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Schedule 3 pertains to people who have limited capability for work related activity therefore cannot be placed within the Work Related Activity Group, so are to be placed in the Support Group (though they can partake in work related activity if they volunteer to do so). You only need to meet one of the descriptors in schedule 3 to be placed within the Support Group, and the descriptor 16 (b) in schedule 2 awards the 15 points which brings you straight to descriptor 10 (b) of schedule 3.

 

You will be placed in the Support Group.

 

The tribunal should have explained that to you, it's good practice to place it in terms that the claimant can reasonably be expected to understand.

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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The tribunal should have explained that to you, it's good practice to place it in terms that the claimant can reasonably be expected to understand.

 

Absolutely. This sort of thing makes me ratty (or used to, I should say). And to be honest, most of the processors who would be expected to implement this decision won't know what "This Will Passport Mr (My Name) To Schedule 3 Descriptor 10 (b)" means and what the implications are either, because that's DM language, not AO (processor, for those following along at home, heh) language. If it was AO language it would read "Processor should enter code 02 in dialogue 674 and ensure this is correctly reflected in dia 200/405 before ending to issue arrears" :-D

 

Of course, that makes no sense to customers either. The Tribunal would, ideally, state "put this person in the support group because...." and then use the legal language. That way everyone's happy. The customer is happy because they can understand what's going on, the processor is happy because they know what to do, and the DM is happy because the case won't be referred to them unnecessarily.

 

Interestingly, I was seeing increasing numbers of Tribunal results saying things like "This feeble excuse for a 'medical' wasn't worth the paper the result is written on. At the very least, ATOS and the DWP should be following their own guidelines."

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Well you will be surprised called DWP and were advised i've been put in the work related group and this is according to the decision. So I called my representative to confirm and he advised no the decision on the tribunal clearly states support group so I called the tribunal and luckily spoke to a judge who advised that the last paragraph does mean I should be in the support group.

 

Im surprised at the fact that these schedules are made by the DWP so how could they be so incompetent not to know exactly which group I should be in. The DWP have asked me to ask the tribunal to forward them a letter signed by the judge saying I should be in the support group and highlight reasons and the decision will be ammended accordingly.

 

Im quite upset and angry at the fact if they are saying they have gone by the decision of the tribunal and numerous body say exactly the same that I should be according to the last paragraph schedule 3 descriptor 10 (b) then why is it that the DWP are not doing the job right and putting people like me through another ordeal as the appeal wasn't enough to stress me out.

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Antone may confirm and I know this is stressful for you, but it could be part of the general scene of thousands of appeals and then staff who may not be properly trained or don't understand what should happen. No excuse, but as Antone will tell you, the majority of DWP staff aren't malevolent. I won't say it's not disappointing and I guess they could make savings by getting it right the first time round.

 

I hope you get some answers that help you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi Honeybee,

 

Thanks for your comment I spoke to the contact centre about 3 times today and finally spoke to a decision maker or the appeal section and they advised me the same that we are looking at the decision as we speak and you are in the correct group which is work related.

Its hard to understand if they are not disputing the tribunal decision and the tribunal have said that i have met the criteria for support group and therefore the decision they made is to put me in the support group why are DWP so annoying. Why can't they do their job right for once. If we made a simple mistake they would either prosecute or sanction benefit.

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I would be tempted to complain to the tribunal that the Secretary of State is ignoring their decision.

Edited by Zamzara

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

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Hi Zamzara,

 

I have done exactly that and guess what after 4 days of arguing with the DWP today finally they gave in and put me in the support group after a angry call from one of the clerks at the tribunals service. Im so glad finally this nightmare is over thankyou very much for leaving a comment on this post. Wish me luck now to recovery lol

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Hi the way i understand the process is that although the Tribunal can make a decision as to what you group you are in they cannot enforce it!!!!!!!!!! there is a memo knocking around which will still allow a DM (decision maker) to ask for a statement of reasons from the Tribunal panel to decide on what group you are in. Glad you have given them a black eye.

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The DWP can ask for a statement of reasons, yes. This is basically a statement from the tribunal which gives the reasons for their decision. They cannot just ignore the tribunal's decision and implement their own, though - they must follow the relevant procedure.

 

If, after reading the statement of reasons, the DWP disagree with the Tribunal's decision they can apply to the Tribunal for permission to appeal to the Upper Tier Tribunal - but they can only do so on a point of law.

 

TS do not have to grant permission for this, but if they do, the appeal will go to the Upper Tier tribunal (UtT) who will consider all of the facts of the case and the issues raised in DWP's appeal to decide if the First Tier tribunal (FtT) erred on a point of law in reaching their determination. If the UtT decides the FtT has erred in law, he can either substitute the decision himself or he can direct a new tribunal hearing.

 

A claimant also has the right to appeal to the UtT on a point of law.

 

Unless the DWP are appealing to the UtT, or there are other reasons why the FtT decision cannot be implemented immediately (see below) they must implement the FtT's decision.

 

There may be other reasons why FtT decisions cannot be implemented straight away, because of accidental error or because they are unclear in the context of the case. In these circumstances the DWP should seek clarification from the Tribunals Service. The only other thing that would prevent a FtT decision from being implemented would be where a party to the proceedings (claimant or DWP) applies for a set aside of the decision.

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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