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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.
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    • 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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Cap1 & CCA return


tamadus
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Tam - if I was anywhere near Shropshire, I'd come round and cook a meal for you - if only to join you in the scotch!!

 

BIRD! Will you stop this!!!! The amount of times I have caught you offering favours on different threads is shocking!:o

 

Hide you're scotch Tam!!!:grin:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Yes, it's the Student Loans Company, one of the most powerful financial institutions in this country.

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 for the edits M55 :D

 

Corn will you please stop trying to spoil my chances :rolleyes:

 

Ladybird I have plenty of scotch ;)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks for the edits M55 :D

 

Corn will you please stop trying to spoil my chances :rolleyes:

 

Ladybird I have plenty of scotch ;)

 

I am sorry to be the bearer of bad news Tam, but Bird has just offered to "cook something up" for Perseus on my MBNA thread. As I said over there........a culinary harlot!!!:D

 

And she knows I am just jealous..............:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I am sorry to be the bearer of bad news Tam, but Bird has just offered to "cook something up" for Perseus on my MBNA thread. As I said over there........a culinary harlot!!!:D

 

And she knows I am just jealous..............:rolleyes:

 

OMG Birdy please tell me this isn't true :eek:

 

I'm going to run off to that thread and see is our birdy is a claim winners groupie now :D

 

Anyway Corn I have the added advantage of the good scotch lol

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Congratulations, Tam, on your recent triumph. Also on some forthcoming conquests, judging by the recent banter here !! :wink:

 

Just throwing another stick on the fire, here, if I may. I have just heard from a fellow Cap One CCA agreement requestor. We have both received replies stating the agreement was enclosed, when in fact there was nowt else in the envelope !!

 

In addition to their latest trick of tripping up penalties claimants by "failing to understand" their spreadsheet figures, this now seems like another little trick. Anybody else had the same from them ?

 

Please PM me if so, to avoid hi-jack, thank you. :)

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They're ********** and *******, and if anybody out there wavers a jot on that issue, talk to me and I will steady your resolve. *****, plain and simple. *******, nothing else. *********, ******, they need licenses revoking, they need to be hit where it hurts. The temptation to drop my CAG username into a letter to them so they can see what I'm intending to do is very, very compelling, very intense and (unfortunately) a sheet or two too close to the wind of legality.

 

M55, compusure is the means to victory.

 

Those who are calm, focused and determined will achieve their goal. I agree 100%, but I'm going to do a proper job, and any anger I have will be diverted into making sure I do so.

 

Don't mean to sound like a shrink, but that's how I'm trying to deal with these ********* without causing any unneccessary trouble.

 

With a cool head you'll gain more.

 

Tide

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Bill-k,

 

Is this not an opportunity to write back immediately and state that what they are saying has been enclosed isn't?

 

Could this not be used against them at a later date?

 

On the other hand, maybe they don't have the staff, given the volume.

 

Write back straight away, or telephone, and tell them it is missing. If you telephone, make a note of the date, time, no., and who you spoke to.

 

Tide

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Congratulations, Tam, on your recent triumph. Also on some forthcoming conquests, judging by the recent banter here !! :wink:

 

Just throwing another stick on the fire, here, if I may. I have just heard from a fellow Cap One CCA agreement requestor. We have both received replies stating the agreement was enclosed, when in fact there was nowt else in the envelope !!

 

In addition to their latest trick of tripping up penalties claimants by "failing to understand" their spreadsheet figures, this now seems like another little trick. Anybody else had the same from them ?

 

Please PM me if so, to avoid hi-jack, thank you. :)

 

Thanks Bill :)

 

There is no hijack as the question is related to CCA :) Yes I have had very similar 'enclosed is a copy of our latest T&C' and nothing. Just inlcude in the next letter that the enclosure wasn't there so that at least you have it recorded that they cant slip a piece of paper into an envelope.

 

I probably hijack this thread more than anyone :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I'd definitely put this in writing Tide, and make sure I have poroof of postage and delivery, then they have no excuse that they sent the paperwork, when they didnt.

 

One thing I have learnt over the last few weeks is not to give them any space to wriggle out from their obligations, and make sure you have the evidence to support your claims.

  • Haha 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Many thanks Tam & Tide for the quick response. I am hoping that they have now painted themselves into a corner, and I will now ask for a further copy of the agreement which they admit they have, but obviously haven't !!

 

Was your phantom agreement also Cap One, Tam - and how long ago, if I may ask. ?

 

PS - I never phone, as I want hard copy every time, and I can't think on my feet, anyways !!

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Plus as I said earlier, my favourite US credit card company have a 100% cockup record in the letters they send to me. It's great! Long may it continue, put it in writing my precious, put it in writing.....

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A question on this DPA breaches point. If a company breached the DPA by giving information to someone they shouldn't by..say..sending a copy of the application/agreement to the card holder's wife who is only an additional card holder, are they required to reveal their mistake? Just asking you understand

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yikes, I've been scuppered by that drunken harridan, Cornucopia. No I DID NOT offer to cook for Pers - just said he could be my (our?) bodyguard.

No, I only have eyes for you Tam;) :)

Sorry I have hijacked the thread with such banalities, but that Cornucopia is following me around the site trying to cast slurs on my reputation.

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Many thanks Tam & Tide for the quick response. I am hoping that they have now painted themselves into a corner, and I will now ask for a further copy of the agreement which they admit they have, but obviously haven't !!

 

Was your phantom agreement also Cap One, Tam - and how long ago, if I may ask. ?

 

PS - I never phone, as I want hard copy every time, and I can't think on my feet, anyways !!

 

No it wasn't Cap 1 but they did send me nothing but the signature box, which I will be following up in due course.:)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Wife??

 

Bit close to home. You could look at it like there is an account where several cards are issued. The personal details of the account holder must then remain secure.

 

If there are several signatories, providing the t&c's allow, each may have details of the account.

 

In the majority of cases, the main account holder ONLY is entitled to the information.

 

With respect to revealing their mistake, haven't they already done so? If you are not with your partner, yes, you are entitled to all correspondence / personal information which pertains to yourself, this includes any correspondence between them and any associated parties.

 

GET ALL INFORMATION YOU ARE ENTITLED TO.

 

Make a thorough SAR request - if you have already done so, re-iterate your specific requests for the information required using the SAR on my thread.

 

PhotoMan also has a good SAR.

 

Tide

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yikes, I've been scuppered by that drunken harridan, Cornucopia. No I DID NOT offer to cook for Pers - just said he could be my (our?) bodyguard.

No, I only have eyes for you Tam;) :)

Sorry I have hijacked the thread with such banalities, but that Cornucopia is following me around the site trying to cast slurs on my reputation.

 

awww birdie I believe you :rolleyes: plus with 4 blackbelts to my name you dont need another bodyguard:grin:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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aw...Tam - what a sweetie you are - but don't let that Cornypoker....or whatever she calls herself - come along and try & convince you that I am anything but a sweet, bushy tailed, bright eyed young innocent.

 

And TideTurner - I know not why...that is for you to divulge to us.

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