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    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
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ESA - inability to work due to alcohol problems.


Cotswold1964
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Hello there, I am new on here.

 

Without wishing to go on, in the last year my wife and the children have left due to the alcohol, I have been made redundant partly due to the fact that I had been drinking in work on occasions and I am now about to lose the house because I have been forced to sell with redundancy money running out.

 

I am currently receiving ESA at about £65 a week ( is this right? or is it just a temporary rate until I am ATOS assessed?)

 

I have my ATOS interview in a week and a halfs time. I know there is a section in the medical questionaire about dependencies, but then there seems to be no mention of it in the assessment criteria!

 

I am obviously not fit to attend interviews nevermind working, what happens in my case, does anybody know. I can't find any information when searching this site or by googling anything to do with alcohol and ESA!

 

I appreciate this is self inflicted but I have suffered from anxiety issues and depression for the last 8 years on and off and I have gradually become more and more reliant on alcohol! I am hopefully going to be admitted to an NHS detox unit around christmas time.

 

Any help would be gratefully appreciated

 

Thanks

 

Cots :???:

Edited by Cotswold1964
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Cotswold, we aren't here to judge- just to support each other where ever possible.

 

If you can take with you to the interview any letters/proof you are awaiting to go into treatment/detox, that might be helpful. Apaprt from that, perhaps a statement you could write mentioning your anxiety/depression issues and any letters of support from specialists. If you can hand over copies of these and get a receipt from them.

 

I can't say it will have any difference to the outcome with ATOS- if you read some threads about other people's experiences you'll understand they don't really follow much reason. But it might stand in good stead for a future appeal.

 

Good luck with getting your treatment and I hope it works for you.

  • Confused 1

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Thanks emmaf01 for your reply

 

I have a pre-admission letter for the detox unit so I will take that. I have previously been under the care of Psychiatrists and Psycholgists, but this was 1 or 2 years ago and I guess it was determined my condition was made worse by the intervention of alcohol. I have detoxed 4 times previously and gone on to relapse - so again I do not feel able to work now.

 

It would now be difficult to obtain any statements from those specialists that I need time out to recover - but that is what I need.

 

Again it seems crazy that 3 GP's in my surgery have signed me off as unable to work, yet an ATOS " health proffesional" will probably deem me fit to work!

 

Are there no people that have a dependence on drugs or alcohol on this forum who could share their experiences?

 

Hopefully

 

Thanks

 

Cots

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There might be some further back if you use the search button. Unfortunately it just depends who is round an about at the moment. I'm sure people have mentioned in previous threads that part of their health issues are present or past addiction issues.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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