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    • I came back home on Monday and found this Claim form in my letter box. In the light of what I have explained earlier in regards to this debt claim, can anyone tell if I have any chance fighting it in th Court. SW in the last conversation request the proof of me living somewhere else, which I can't provide. They have info from the landlord of property being rented to me, I was there on electoral register, had bank account opened on this address, Driving licence had this address etc., but I wasn't living there.      Name of the Claimant -  Southern Water services   Date of issue – 12/06/2019     Particulars of Claim   The Claimant is statutory...etc The Claimant claims the sum £969 for unpaid water and or sewerage charges payable under s. 142-144 of the act and the Claimant Charges Scheme. The unpaid sum of £969 is for period 01/04/2014 - 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 and also interest at the same rate up to the date of the judgment or earlier payment at daily rate of £0.21   What is the total value of the claim? £1423   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes Letter before Action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes, COA address.   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?    No, water charges   When did you enter into the original agreement before or after April 2007 ? Allegedly after - April 2012   Do you recall how you entered into the agreement...On line /In branch/By post ? No   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No, no anymore   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. Southern Water - original creditor   Were you aware the account had been assigned – did you receive a Notice of Assignment?   Did you receive a Default Notice from the original creditor? No.   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No   Why did you cease payments? Never. I wasn't aware of bills.   What was the date of your last payment? Never   Was there a dispute with the original creditor that remains unresolved? Yes, creditor did not take my notice of bills being wrongly issued in my name.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the case was brought before a UK civil court would UK rules apply or foreign rules?   I wonder if the original contract would strate what jurisdiction it's terms would be decided by?   I note that UK contracts frequently have a clause that says in so many words that any disputes  will be interpreted under UK law.
    • http://www.hadefpartners.com/News/333/Limitation-periods-in-the-United-Arab-Emirates   One of the key limitation periods to be aware of is the limitation period for a claim for breach of contract. We have been approached by many clients (including in-house counsel at large multinational and local companies, and even international law firms) who believe that the limitation period for a breach of contract (including a commercial contract) in the UAE is 15 years. What they are often not aware of is that the limitation period for commercial contracts (as set out in Federal Law 18 of 1993 (the “Commercial Code”)) is usually 10 years. Therefore, multi-million dollar claims dating back over more than 10 years may now be time-barred.   https://www.jstor.org/stable/3381662?seq=1#page_scan_tab_contents
    • how long did you sign up for ? if they claimed DD after that period …….
    • If this thread was started about your friend, please don't ask Q's about your dad or anyone else.   Keep this thread on track and use a new thread to discuss issues about YD, thanks.   Keeps thread simple and focused.
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
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      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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seen this before

Welfare to Work policy 'casts the disabled as cheats'

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increasing evidence that backs up these clams above.

 

http://thescotsman.scotsman.com/news/64000-on-sickness-benefit-39fit.6808226.jp

 

http://www.bbc.co.uk/news/business-14280849

 

http://www.mirror.co.uk/news/top-stories/2011/07/27/only-7-of-people-on-sickness-benefit-are-unable-to-work-115875-23299527/

 

http://www.independent.co.uk/news/uk/politics/charities-angry-over-ministers-crackdown-on-disability-benefits-2326481.html

 

sadly the comment left here typifies the discrimination those face with mental health problems are facing in applying for work.the real world.

 

 

And what of the mentally ill?

 

Physically they may be OK but do you really want dangerous and mad people working in sensitive environments just because the tests show they can pick a phone up or carry a sack of cement.

 

Maybe once one or two of these people have run amok in the workplace it might make ministers realise that its not just a wheelchair that makes people disabled.

Edited by seen this before

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And what of the mentally ill?

 

Physically they may be OK but do you really want dangerous and mad people working in sensitive environments just because the tests show they can pick a phone up or carry a sack of cement.

 

Maybe once one or two of these people have run amok in the workplace it might make ministers realise that its not just a wheelchair that makes people disabled.

 

it's been quite a while since i had the asessment to see if i was too ill to work.

asessing someone on wether that can pick up certain things...how do they walk...can they prepare a meal...can they dress themselves...can they get in/out of bed...can they wash themseves...none of it applies to mental illnesses.

at the time of the asessment i had had it was due to depression, self-harm, anxiety and anorexia.

could i prepare a meal...yes but anorexia obviously meant that i didn't.

could i wash myself, get in/out of bed, dress myself...yes but depression [and other mental illnesses] often mean you don't do those things cause you don't care about yourself.

could i walk, pick up stuff...of course i could...the only physical issues i had were mainly caused by the anorexia....such as fainting and being weak.

i went to a&e loads of times cause i fainted/collapsed and self-harm...they just send you home.

 

they even said i wasn't ill enough for DLA because i hadn't been admitted to the psych' ward!

people with ED's are only admitted to the psych' ward if thier weight is do low that they are force-fed...so it's not a common thing.

not to mention the fact i would have done anything to stay out of the ward. that's the last place i wanted to be!

 

like you said you don't have to be in a wheelchair to be disabled.

 

they need a separate set of questions for mental illnesses.

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they need a separate set of questions for mental illnesses.

 

They do

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well like i said above they didn't when i applied...although that was a while ago now.

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Even if they didn't, I found that most of the questions for DLA could be applied to mental health.

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Despite the Government campaign to label many disabled people as workshy, I think even PR man Cameron will have a job selling cancer patients with 'more than 6 months to live' as skivers. But then the Government's done a pretty good job labeling nurses, care workers and teachers as overpaid money-grabbers, so anything's possible.

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I found that most of the questions for DLA could be applied to mental health.

 

can you cook yourself a meal? wash yourself? dress yourself? yes. physically i'm obviously capable.

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I have just got DLA and ESA support group, yes I can cook for myself, wash myself, dress ect but it takes me hours to recover after! Plus being with large amounts of people is a danger for me...infection danger and physical danger! One nudge or bump to my abdomen could mean serious injury problems!

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I have just got DLA and ESA support group, yes I can cook for myself, wash myself, dress ect but it takes me hours to recover after! Plus being with large amounts of people is a danger for me...infection danger and physical danger! One nudge or bump to my abdomen could mean serious injury problems!

 

I have just been turned down for DLA im on ESA.....im not working and my wife is not working as she has to help me most of the time,

 

im about to appeal! and im going to give it to them big time......

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Don,t lose heart. I also got turned down the first time. I sent in more medical evidence and a long letter about their findings. The out come was a ATOS home visit and I won. I only received the mobility side, so I,m appealing for carers allowance. What does not stack up on their side is they agree i,m a cripple, but cant seem to see I need help with daily tasks. I think the DWP just throw hurdles at people to see if they stumble and back down.

Edited by OlafJensen
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It is truly appalling to come accross ill-informed; invidious and self-serving politicians, who little understand the concept of disability - let alone poverty. I have always worked and studied my way through life, until very recent times, and often taken jobs well below my skill set because I was over-qualified for some jobs here in the UK. I am currently pursuing a career in writing as an extremely gifted author, despite suffering long-term clinical depression; social anxiety and PTSD - I don't allow these terms of 'disability' to define me however, because of the holistic views I have regarding what constitutes a full-person and their individual capabilities.

 

 

We all have one disability of kind or another; regardless of what socioeconomic background someone is from. Who is deserving of social welfare assistance from time to time, is most definitely the responsibility of the state who have an allocated budget specifically for those out of work, for whatever reason. It is shocking how much foreign aid they pour into global anti-terrorist projects - buying political 'peace' because they have slashed their own military services, as well as lining their own pockets in the humungous tax-relief of their paid-for expenses claims.

 

 

In addition, what about the foreign penniless women, who come to live over here because they are married to wealthy partners - are they scroungers too?. I have met a few in my time, and they do not work, just live off their partner as well as claim child benefits. I could easily amass a huge list of what 'type' of scroungers that politicians readily refer to as 'work-shy'. I had forgotten to mention over-paid celebrities/footballers who deliver nothing more than the goods they are paid, and those that simply inherit an existence because the notion of work too much a a reality shock!.

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