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    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury If possible please scan redact and upload a full page copy of page 1 of the claim form. ( Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM   1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack  Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached   2.  The price of the goods was £15,995.00.  The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month.   3.  The following were expressed conditions of the set agreement,   Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us.   Clause 9.  Effect of Us Terminating Agreement   9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate   4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:-   a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement number 756050. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     Thw total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by Firrst class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges ]= 5.  A the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or  alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage.   Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs.   Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024   What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  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. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ATOs 'Healthcare Professionals'


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the Medical Assessment is what it says a Medical Assessment, if you reach 15 points you past the Assessment, this why they tell you to take your Medication with you, so that they can list down, what you take and when you take the medication, all they done is change the name of the Assessment, no more and no less, the Argument that needs be sortout, are they Doctors and Nurses and are they Registered and Licence with GMC, if not, then they cannot call themselves Doctor or Nurses and they may not be in their right to carry out such Assessment

 

I will put another way, In 2003 I caught a cold, within 24 hours I had an infection in my Lungs, I asked 3 Doctors for Anti Biotics each time I was refursed, the Doctors said I had Asthma Attack and I had no infection, in the August of the same year in the early hours of the morning, unknown to me, mywife call an Ambulance, within a few minutes an Ambulance arrived, injected me and started to give oxygen, in the Ambulance I was again injected and used oxygen, the Infection that 3 Doctors said had gone was found by Nurses in ICU, the Infection caused 2 major Asthma Attacks,

 

Once I returned home, Filed a complaint with the PCT, had a number of meeting with the Doctors, PCT and CAB, I received compensation has a out of court settlement, the Doctors no matter where they from who they work for, Own a duty of care to patients and that is part of the code of conduct that all Doctors must comply with.

 

Thanks,

 

So sorry to hear about that. For over a year my right leg ached 24/7. Went to the GP 3 times and was told that it was arthritis. After 12 months of this with the pain becoming worse week by week, I ended up in A&E. I felt a right fraud for being there but my wife insisted.

 

result - artery blocked in 3 places in right leg - may lose it!

What happened to the arthritis then I asked. Arthritis? It has never been arthritis you have had a major problem for over 12 months of a blocked artery - can't you see the colour difference to both legs? Have you not noticed the loss of all you hair off your right leg?

 

Kept the leg thank goodness but it was touch and go. That's how they found out that the left one is going the same way!

 

Spoke to the GP when i came home and they were so surprised and apologised.

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It's a WORK CAPABILITY ASSESSMENT, They are assessing your ability to work, that's ATOS role.

It's not a medical or about your disabilities it's about your capabilities to work. That is all the HCP is looking at.

 

Ah! so the DWP are right when they sent me that letter. They have decided that I am capable of working. Must mention that when I sign on! Let anybody say that I am not - that's what I say!!

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Indeed my DWP WRAG advisor actually helped me get into the SG, she could see with her own eyes I had 2 SG descriptors from ATOS and arranged for ATOS to send further evidence to the DM. My initial impression of her was wrong when I first posted about my WRAG interview on here.

 

There is also the DWP manager who I was in touch with following my complaint made last year to the ICE, eg. I was wrongly been asked for sick notes even tho I was on long term IB and she got that fixed for me.

 

But at least you were awarded ESA in the first place! My worry is having to work with the jobcentre when i put my jsa claim in. I wonder if they will be as sympathetic?

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exactly cleaver and this is the position they are putting people into......so if the dwp say your fit to work....and the jobcentre says your not.......?????

 

another farce courtesy of the atossers

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But at least you were awarded ESA in the first place! My worry is having to work with the jobcentre when i put my jsa claim in. I wonder if they will be as sympathetic?

 

if you appeal you wont have to claim JSA, instead will be on the ESA assessment rate.

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well lets hope that continues to be the case after April when the new appeals system is in place, as yet there is no decision whether this will be paid while they reconsider if you ask for appeal initially, and they have no time limit set, so a claimant could be getting nothing during an unlimited time while the dwp reconsider before it can be sent to tribunal........which is what I am getting at as well. Some people already feel forced into the jsa only to then be refused that as well. it seems it will only get worse.

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well lets hope that continues to be the case after April when the new appeals system is in place, as yet there is no decision whether this will be paid while they reconsider if you ask for appeal initially, and they have no time limit set, so a claimant could be getting nothing during an unlimited time while the dwp reconsider before it can be sent to tribunal........which is what I am getting at as well. Some people already feel forced into the jsa only to then be refused that as well. it seems it will only get worse.

 

Thanks,

 

Yes that is what I heard too.

 

In my case I have run out of options, there is no more evidence over and above what ATOS and the DWP have had and discounted.

 

Of course I could argue that what ATOS have reported is not what I reported at the assessment, but who am I?

 

I'll try my luck at JSA and see what they say. If they tell me that I am too ill to even consider going back to work then the argument is between them and the ESA people and nothing to do with me. Someone has to accept responsibility for me.

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Something has just dawned on me. My wife gets Attendance Allowance (since May 2012) at the highest rate and I could if I wanted claim Carers Allowance for her. That would cause a few problems for them at the jobcentre as they wouldn't be able to send me on one of those work thingys.

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Something has just dawned on me. My wife gets Attendance Allowance (since May 2012) at the highest rate and I could if I wanted claim Carers Allowance for her.

 

This is what I would do personally. OK, it's a bit less than ESA; but you won't be put through assessment after assessment.

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This is what I would do personally. OK, it's a bit less than ESA; but you won't be put through assessment after assessment.

 

Thanks,

 

Yes it does sound a good idea, I couldn't claim for her before as I was receiving ESA and all I would have got was an underlying entitlement - no money.

 

I know it is about £50 a week less than the ESA support group payments, but only £20 or so below JSA!

 

It seems the way forward. There is no need to appeal against the ESA decision then and no need to sign on - WoW!!!

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cleaver, as we said on your other thread, if you're medically unfit for work you would have to appeal the ESA decision. You would not be fit for JSA and that is not an option despite what the DWP state. The option, however, of CA etc sounds interesting.

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although be awar eyou may get the run around on the alternative as well.

 

Not all of us think ESA is the hardest benefit to get, I have been turned down for DLA twice eg. and in my experience that seems much tougher to get.

 

For both esa and dla, two people can have the same effects on them from their conditions and get two different results. Both are dependant on how the conditions are presented in writing for dla and in writing (esa50) and in person for esa. For both benefits there are the unpredictable variables of the decision maker, due to the subjective nature of the benefits, and the added variable for esa of the atos assessor.

 

If you have no problem with esa then it may be that your conditions aren't coming over well on the dla form and are more easily evaluated in person - maybe you could request an assessment for dla. I can't remember if you have physical or mental health issues, but mental health can be very difficult to get across on a dla form - they're not designed for it. The descriptors for pip do at least seem more mental health appropriate.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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If you were to claim CA for your wife, couldn't you also claim IS as a carer?

 

Thanks,

 

Yes IS is a possibility but like Pension Credit we would be excluded due to savings.

 

We sold our house as neither of us could cope with the garden or DIY jobs any longer.

 

We just banked the proceeds which we are using to pay the rent on a small flat. We are excluded from all means tested benefits. Obviously when the capital gets down low enough to enable a claim to be made, with our health, we will be both gone from here permanently!

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I see. Sorry, I missed where you said you couldn't get SPC because of savings. Well, if you can do it financially, CA may indeed be your best bet. All the best.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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although be awar eyou may get the run around on the alternative as well.

 

Not all of us think ESA is the hardest benefit to get, I have been turned down for DLA twice eg. and in my experience that seems much tougher to get.

 

Thanks,

 

I have found it to be the opposite. My DLA claim was accepted without question although, like ESA. I sent in a large amount of evidence plus the Enhanced Care Plan from the CMHT and the report from the OT department of Social Services. They however did contact my GP who bsically confirmed everything that I had said.

They then awarded HRM & MRC indefinitely. Very professional and helpful.

 

ESA - well that is another thing isn't it. If it's not the attitude and tone of the assessor that was wrong, it was how the questions were asked and the obvious contempt shown. I will not be made to feel insignificant by anybody, nor will I accept rudeness and lack of respect.

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The questions are asked in such a way to catch you out. For example, if you're asked do you watch TV? they assume you have no issues sitting for long periods and have no concentration issues. I do watch TV; but half the time can't tell you what's happening and do have to get up during the breaks.

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For both esa and dla, two people can have the same effects on them from their conditions and get two different results. Both are dependant on how the conditions are presented in writing for dla and in writing (esa50) and in person for esa. For both benefits there are the unpredictable variables of the decision maker, due to the subjective nature of the benefits, and the added variable for esa of the atos assessor.

 

If you have no problem with esa then it may be that your conditions aren't coming over well on the dla form and are more easily evaluated in person - maybe you could request an assessment for dla. I can't remember if you have physical or mental health issues, but mental health can be very difficult to get across on a dla form - they're not designed for it. The descriptors for pip do at least seem more mental health appropriate.

 

Its for mobility.

 

The tribunal service by the way have informed me twice they plan to rule in my favour barring any new evidence favouring the DWP argument which is great news.

 

They have told me they have contacted the DWP twice to do a reconsideration to stop wasting time, but the DWP keep refusing stating "lack of clinical evidence". But Because of the DWP stubbornness I have to now wait for the tribunal hearing date. I suppose the good thing is I will get a fat wad of backpayment when the day comes.

 

The reason I think I am failing is DLA seems to rely more on solid diagnosis and claimant submitted evidence than ESA does, ESA is more favourable to those with poor diagnosis and who have useless GP's (at the time I claimed DLA I was been managed by locums) as ESA places more emphasis on the WCA. Because PIP seems to be planned to place more emphasis on assessments I may even find I get PIP without too much hassle.

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It does seem to be that a diagnosis helps with DLA. I don't have a diagnosis for an ongoing neck problem and despite that the fact it can cause a lot of issues, (it affects my shoulders too) they've decided it doesn't.

 

I was told to reapply for DLA once CMHT had stopped messing me about and given me the evidence I'd asked for.

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Its for mobility.

 

The tribunal service by the way have informed me twice they plan to rule in my favour barring any new evidence favouring the DWP argument which is great news.

 

They have told me they have contacted the DWP twice to do a reconsideration to stop wasting time, but the DWP keep refusing stating "lack of clinical evidence". But Because of the DWP stubbornness I have to now wait for the tribunal hearing date. I suppose the good thing is I will get a fat wad of backpayment when the day comes.

 

The reason I think I am failing is DLA seems to rely more on solid diagnosis and claimant submitted evidence than ESA does, ESA is more favourable to those with poor diagnosis and who have useless GP's (at the time I claimed DLA I was been managed by locums) as ESA places more emphasis on the WCA. Because PIP seems to be planned to place more emphasis on assessments I may even find I get PIP without too much hassle.

 

Where dr's evidence is lacking, this is where actually requesting an assessment for DLA can be beneficial. At least with eSA someone sees your difficulties, but yes, I've seen lots of DLA claims refused where a GP has put 'not known' in every box o the enquiry form.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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in my case the GP didnt reply to their evidence request.

 

Incidently I have now moved surgeries and have a good permanent GP now.

 

Well that should certainly help you.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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