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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Esa - after how many weeks on esa do you have a medical?


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I have been on JSA© for 5 months, my doctor will give me a sick note (probably 1 month sicknote at a time) for depression/anxiety from being made redundant etc, so I can apply for a claim for ESA, I just need a few weeks without hassle for JCP staff giving me grief at the moment, I am not looking to receive a financial gain. I have a few questions:

 

I note that the assessment phase is for the first 13 weeks, I will definately not be on ESA for longer than 13 weeks, probably more like 9-10 weeks, I do intend to find a position afer this period.

 

1) What is the weekly process of how the ESA works.

 

2) Is the initial 13 week assessment phase based on your doctors sick note (will I have to attend the jobcentre in these weeks)?

 

3) At how many weeks into the ESA claim will the work-focused interview with a jobcentre plus advisor happen?

 

4) At how many weeks into the ESA claim does the Work Capability Assessment start?

 

5) At how many weeks into the ESA claim will I be sent for a medical assessment?

 

I am aware of al the standard procedures that should happen from Direct.gov website etc, I want to know peoples real life experiences to the above questions.

 

Apologies, for the long first post, thanks in advance to any replies.

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I've known assessments be as early as 8 weeks, or as late as 6 months and anything inbetween. The med cert covers you until you get the result of the assessment. My first work focused interview was about 16 weeks in.

 

You start on the assessment rate, you receive an ESA50 work capability assessment to complete - this can be anytime in the first 13 weeks. You send it back, the DWP may contact your GP. You receive an appointment for an atos assessment, you attend the assessment. 2-8 weeks later you get the result. At some point you have a work focused interview.

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The medical assessment and work capacity are the same thing. It starts after 13 weeks.

 

Thanks for Clearing that up.

 

I've known assessments be as early as 8 weeks, or as late as 6 months and anything inbetween. The med cert covers you until you get the result of the assessment. My first work focused interview was about 16 weeks in.

 

You start on the assessment rate, you receive an ESA50 work capability assessment to complete - this can be anytime in the first 13 weeks. You send it back, the DWP may contact your GP. You receive an appointment for an atos assessment, you attend the assessment. 2-8 weeks later you get the result. At some point you have a work focused interview.

 

 

 

Cheers leemack, thats very helpful, and full answer, very appreciated.

 

At what week did you have the actual medical assesment at atos?

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Wish they $%^&*( would! :evil:

Rae

 

Be careful what you wish for - a GP who didn't know me just put one condition down - I have about 10! Luckily, my medications really speak for themselves, otherwise the GP report would have screwed me.

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Yes, the earliest medical I saw was 8 weeks in. But if you're looking to delay it, then they give you 6 weeks to return the esa50 - until you return it you won't have a medical (though you do need to return it within the time limit). The medical at 8 weeks was for someone who had received their ESA50 at 5 weeks and sent it straight back.

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Yes, the earliest medical I saw was 8 weeks in. But if you're looking to delay it, then they give you 6 weeks to return the esa50 - until you return it you won't have a medical (though you do need to return it within the time limit). The medical at 8 weeks was for someone who had received their ESA50 at 5 weeks and sent it straight back.

 

Thanks again, brilliant, I will look to delay as long. I appreciate your help.

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That's what my GP did to me. Put down one of eight conditions. I felt a fraud telling the ATOS assessor that I had other problems that the GP hadn't mentioned. Oh yeah!! - his face said it all!!!

 

Even if you fail the assessment, you can appeal and carry on receiving ESA until the appeal is heard in about 12 months time. All you have to do is keep producing sick notes.

I have known people get a sick note for the most ridiculous of reasons without a hope in h*ll of ever passing the assessment, yet they have been on the assessment rate (currently £67.50pw) for nearly 18 months from when they first claimed!! When (not if) they fail at the appeal hearing, and given that timescale, they then start the whole ball rolling again with the same illness - new claim, new assessment and another appeal!!

 

Can't say that I agree with doing that, but the system is wide open to abuse if the alternative is having to sign on.

Edited by achvour
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That's what my GP did to me. Put down one of eight conditions. I felt a fraud telling the ATOS assessor that I had other problems that the GP hadn't mentioned. Oh yeah!! - his face said it all!!!

 

Even if you fail the assessment, you can appeal and carry on receiving ESA until the appeal is heard in about 12 months time. All you have to do is keep producing sick notes.

I have known people get a sick note for the most ridiculous of reasons without a hope in h*ll of ever passing the assessment, yet they have been on the assessment rate (currently £67.50pw) for nearly 18 months from when they first claimed!! When (not if) they fail at the appeal hearing, and given that timescale, they then start the whole ball rolling again with the same illness - new claim, new assessment and another appeal!!

 

Can't say that I agree with doing that, but the system is wide open to abuse if the alternative is having to sign on.

 

I've noticed lot of your posts are very scathing about benefit claimants and portray the few as the many. How do you know all of these people who are taking advantage of the system?

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I've noticed lot of your posts are very scathing about benefit claimants and portray the few as the many. How do you know all of these people who are taking advantage of the system?

 

I think he may be one. he's a well-known troll on another website.

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  • 5 months later...

Any advice would be appreciated my daughter as stuggled for 10 years with depression and takes medication for it she as just lost her job they may have chosen her for redundancy due to her having a lot of time off due to her depression. She applied for ESA on 1st September she approached her GP for a sick note he as given her one for 8 weeks back dated to the 1st September he said it would be difficult to give her another sick note after this period as ESA are not liking GP`s issuing them out for depression as a lot of people with depression manage to work with it.

 

I find this disgusting that mental health is being dismissed by anyone as a reason not to work, ESA was awarded pending a sick note being sent in and depression was the only thing put down on the claim form, will my daughter require further sick notes after this 8 week sick notes runs out? to be able to carry on receiving ESA?

 

She is under 24 and lives in a 2 bedroomed private rented home she is already having the upset of not receiving full rent allowance she is entitled to £48.50 per week of the £80 a week rent as she lives alone and is under 25 and all she is to get on ESA is £53 a week yet this does not even cover her basic standards of living then they wonder why peoples mental health worsens, on top of this the council have sent her a bill for council tax still owing and want £37 a month for this out of the £53 she gets a week.

 

A woman at the council said a lot of single girls are getting pregnant as this seems an escape route to getting full rent and not being forced into work till their child is 5 this is unbelievable but I can understand it

 

The thought of even being made to look for work let alone do any work as left her very anxious she isn`t sleeping

Edited by Laura Cooke
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That's what my GP did to me. Put down one of eight conditions. I felt a fraud telling the ATOS assessor that I had other problems that the GP hadn't mentioned. Oh yeah!! - his face said it all!!!

 

Even if you fail the assessment, you can appeal and carry on receiving ESA until the appeal is heard in about 12 months time. All you have to do is keep producing sick notes.

I have known people get a sick note for the most ridiculous of reasons without a hope in h*ll of ever passing the assessment, yet they have been on the assessment rate (currently £67.50pw) for nearly 18 months from when they first claimed!! When (not if) they fail at the appeal hearing, and given that timescale, they then start the whole ball rolling again with the same illness - new claim, new assessment and another appeal!!

 

Can't say that I agree with doing that, but the system is wide open to abuse if the alternative is having to sign on.

 

Its almost like this is what the Government want to happen.

They save money as you lose a part of your benefit, but you also don't increase the unemployment as you don't go back to signing on.

Not that I'm being cynical.

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