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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
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      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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Account is now with the NDR


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Hello - I'm kind of new to this so i don't know if i'm posting in the right place. I've also had this problem but with choice/NDR aswell. Except i had a payment plan with choice around 4 months ago of £45.41 a month, as i had a part time job this was affordable at the time. I recently lost my job around 3weeks ago and told them what happened. The lady on the phone said i never even set up a payment plan. So i've been charged £12 late fee for the past 4 months even though i had set up a payment plan with them. They said they didnt even have a record of this and that my account is now with the NDR. I deffinatly spoke to someone about a payment plan 4months back and arranged it for £45.41 a month! Argghh! I have looked on my statements and i have been charged £12 late fee's!! I phoned NDR and set up a new payment plan as i have lost my job and cannot afford hardly anything. They said £30 for the first month then £60 for the next 6 months!! Without a job i cannot afford this!! What can i do?.. Any advice would be greatly appreciated!!! Thank you Holly

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Hello and Welcome,

 

I've started a new thread for you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Holly.

 

Like Rebel says, they cannot make you pay any more than you can afford, you should also re-claim those £12 charges, you'll find a letter to send them in this link..........

 

http://www.consumeractiongroup.co.uk/forum/content.php?562-Credit-Store-Card-Letter-Template

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

Hi,

 

I am posting this on a few of the Shop Direct posts as I have been working on 3 claims on behalf of a relative and want everybody who has been charged by them to reclaim their charges and all applicable interest as these are possibly the most arrogant of all the companies I have dealt with and will firstly refuse your requests and then as it goes on breach the court procedures and ignore the judges requests until they ultimately settle as of they have no defence and no desire to go in front of a judge.

The final outcome on the claims is posted below as the e-mail sent to me for my relative.

Shop Direct have still not paid the sums stated in the e-mails in full and have part paid so still looking to court.

Please click the star if this is informative and feel free to contact or reply to this post for any assistance.

 

I have just advised the defendant to make the following account credits, which I believe satisfy your *******'s claims:

 

Claim No 1QT08206 re account ref ******** (Littlewoods)

 

Credit to the account of £175.79

Claim No 1QT09646 re account ref ******** (Very)

Credit to the account of £251.72

Claim No 1QT24916 re account ref ******** (Choice)

 

Credit to the account of £137.12 - to include the charge of 30/4/11.

 

I understand that the adjustments will take place on Monday.

 

Regards

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  • 2 months later...

Hi

Glad to hear of your success. I would be grateful for any assistance. A debt of 200 pounds in March 2009 and it is now 875 pounds. I wrote to them in July 2009 on advice of CCCS offering a token payment as I am in severe financial difficulties. They refused and the debt has steadily increased. I have received several charges for debt collection letters, missed minimum payments. I don't know if I signed a credit agreement. I don't know where to go from here and any advice would be much appreciated.

Thanks

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Hi,

Which branch of Shop Direct is the account with? Do you have your previous statements?

 

Hi

Glad to hear of your success. I would be grateful for any assistance. A debt of 200 pounds in March 2009 and it is now 875 pounds. I wrote to them in July 2009 on advice of CCCS offering a token payment as I am in severe financial difficulties. They refused and the debt has steadily increased. I have received several charges for debt collection letters, missed minimum payments. I don't know if I signed a credit agreement. I don't know where to go from here and any advice would be much appreciated.

Thanks

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Hi,

Which branch of Shop Direct is the account with? Do you have your previous statements?

Hi

Its with Additions Direct, I think I started the account when it was Argos additions. I have most of the statements from the debt was accrued (BNPL added to account in March 09) until presemt

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Thats good then because they charge about 40% interest!! You need to list all the £12 charges they have applied and calculate the interest based on the rate on your statements you can use this for the calculations http://www.bllaw.co.uk/services_for_businesses/insolvency_and_recovery/simple_interest_calculator.aspx.

Mail me if you are struggling with anything

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