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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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Failed to turn up to esa assessment what are the consequences?


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My daugher, who has mental health problems, refused to attend her ESA assessment today. She has been stressed all weekend about this due to the fact that her CPN was unable to attend with her. However, he did provide a very good report.

 

She told me that she had cancelled, however, I am not convinced, as when we cancelled the previous date, again CPN unable to attend, I was advised that the appointment could not be changed again.

 

a) what are the consequences if she hasn't told them?

b) or, would it help if I sent on the report to the DWP?

 

The reason I'm not convinced she cancelled is that she will tell you anything to keep the family off her back in stressful situations and tells us what she thinks we want to hear.

 

Any advice greatly appreciated

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Hello there.

 

This is not good as you know, but I'm not sure what sanctions there would be for your daughter. I'll flag this for site team attention and hope someone will be along to tell you the best way to deal with this.

 

Maybe someone on the forum else has had experience of the problem.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi,

 

I'm told you cannot appeal any decisions if your do not attend the assessment without good reason. If she did call beforehand then she my be ok. However she may very well have her payments stopped until she does attend.

 

To be on the safe side, i would contact the job centre to explain the sitution. I'll leve the number below for you. Sending any supporting evidence of her condition may help also, it certainly can't do ny harm!

 

JobCenter Plus: 08456088503 (press option 3 if you don't want to listen to them jabber on!) This number also works, and does not cost a fortune: 01942 (Wigan) 626001.

 

Hope this helps.

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If a person fails to attend an assessment without good cause, they will be determined to have no limited capability for work and the claim to ESA will be terminated. When considering good cause, factors they will take into account are:

 

  • Whether the claimant was outside GB at the relevant time
  • The claimant's state of health at the relevant time
  • The nature of the claimant's disability.

If they do not accept that she had good cause and terminate her claim, she can re-claim it but no payment would be made until she attends an assessment, unless she is claiming for a new condition or her condition is significantly worse.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Thank you all. Erikka her mental state is not good, surely on receipt of the report from her CPN, would this not help?

 

It may help, yes. She should receive a letter asking her to show "good cause" as mentioned by Erika. She doesn't need to wait for that, though, she can write to the ESA team and explain what happened, including a copy of her CPN report. Of course, it's up to a Decision Maker now and we can't say what he or she will decide.

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Thank you. I will try sending her report as her CPN has actually mentioned in it about he failing to meet appointments and agreeing to anything in order to disengage herself. Do you have an address please, we are West Midlands area.

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Thank you. I will try sending her report as her CPN has actually mentioned in it about he failing to meet appointments and agreeing to anything in order to disengage herself. Do you have an address please, we are West Midlands area.

 

The address should be on any letter that she's been sent regarding her claim. There will be a good few offices in the West Midlands, so I can't say exactly which one. Her local Jobcentre would also be able to tell her.

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Ok, again many thanks for your help.

 

No problem. If she does write before she receives a letter from them, she should make sure that her letter clearly states something along the lines of "I request that you consider good cause for my failure to attend the WCA medical exam."

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Hello Surprise

 

I am very sorry to read about your daughter's mental state of health. I am my mum's main carer and I am just starting the night shift caring for her. In the earlier days when I was trying to care for mum and had no clue about ESA, I received excellent advice, guidance and support from the lovely members of this site. One thing Erika pointed out to me at an earlier stage, that as my mum is so mentally impaired, I should consider applying to be her DWP Appointee, and the DWP either take the stance that your daughter is capable of managing her own affairs (which clearly by your posts she is not) or if the person is unable to manage their affairs, then you could apply to become her DWP Appointee and therefore take more control over what choices she is making. I know this may appear harsh, but only you know how your daughter's illness affects her. At least if you were her appointee, the DWP would correspond with you direct and you can manage appointments, applications, payment of bills etc. The local DWP Compliance Officer came out and visited me and mum, and after taking one look at her and assessing me that I wasnt going to rob her of her benefits, he made me her appointee. Worth considering, and it was a very valuable piece of advice that Erika gave me.

 

JB

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Thank you Joe. You have just jogged my memory. In actual fact my other daughter applied to be an appointee but nothing has been done about it, will follow this up now. They both went down the JobCentre prior to Xmas and because they hadn't made an appointment the letter had to be posted, I know they received it as her current medical certificate was with it.

 

Hope you have a good night, its not easy I know, in fact its very frustrating at times.

 

best wishes.

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Hello Surprise

 

I had to keep calling them myself (mum being so ill did not even know and I didnt want to worry her). Anyway, in the end I went to the local Jobcentre and asked for their help. I left my phone number and a Compliance Officer called me (this is usual a Compliance Officer does the assessment as he/she wants to ensure that there is a need for an appointee).

 

I do hope you manage to get this all sorted out, and maybe you or your other daughter applying may help with this missed appointment.

 

Thinking about you and hope you have a better day today.

 

JB

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  • 1 month later...

Just an update on this. My daughter had infact telephoned to cancel her appointment. A few days later received a letter from DWP stating that her benefits wouldn't be affected but should she fail to turn up to the next appointment then benefits would be stopped.

 

She had not heard anything further until today when she received a letter from the DWP advising her that they would be backdating payments and advising her of her new rate of pay from 12th April. So obviously have put her back on supported benefits. This is good news.

 

Thank you for your kind comments and support.

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The letter says that if she wants to work voluntarily she can and go to see the disability adviser. There is no need for her to seek paid work. So presumably she must be back on what was the old income support benefit.

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Yes, it sounds like she's been placed in the ESA Support Group. Weekly rates for that are about £110 or so once the Enhanced Disability Premium is added to the payments. Good stuff - it's quite unusual for someone to be put in the SG without a medical.

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

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