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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
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    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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ESA WRAG - expries but no warning?


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Hi,

 

My father had a meeting with his ESA advisor today where he was told that as of last Friday his ESA WRAG had expired and that he would need to re-apply in order to continue receiving ESA.

 

He hasn't received any letter informing him of the changes.

 

This was only the second appointment since his WCA last July in which the medical clearly states that he would not be fit to work in the long term. His condition has deteriorated since then and is scheduled to have two spinal operations over the next twelve months.

 

In June he contacted DWP to inform them of a change in bank details and he asked them about reporting the changes in his condition as he had received his scan results and had more info - he also asked if his ESA would stop in July as he was aware of the 12 month rule - he was told that it wouldn't and he should explain the changes in his condition to the adviser who would be able to sort things out.

 

Has anyone else been treated like this?

 

Once he reapplies how long will it take for a decision?

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Was your father in receipt of income based ESA or contribution based ESA?

 

I am assuming that it was contribution based as it automatically ended after one year however they normally send a letter to confirm its ending. I would assume the advisor only said reapply in case he qualified for the support group rather than the WRAG, because if he was placed into the support group he would qualify for ESA again, but wouldn't if he was placed in the WRAG as before.

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Was your father in receipt of income based ESA or contribution based ESA?

 

I am assuming that it was contribution based as it automatically ended after one year however they normally send a letter to confirm its ending. I would assume the advisor only said reapply in case he qualified for the support group rather than the WRAG, because if he was placed into the support group he would qualify for ESA again, but wouldn't if he was placed in the WRAG as before.

 

Hi, it was contribution based I think so with his occupation pension being counted he stands to lose £100 a week atm while waiting for the reapplication.

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Yes it is far a max of 365 days.

 

Presumably you won't be able to claim Income based ESA due to excess income coming into the houshold.

 

In which case the government's figures say that, as a household, you will have more than enough to live on without the ESA.

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I'm afraid that contribution based ESA if in the WRAG group is now time limited to the one year so he will only be successful in regaining ESA if he manages to get placed in the support group; that is actually quite hard to achieve. Otherwise his ESA has now ended.

 

http://www.dwp.gov.uk/adviser/updates/changes-to-contribution/

 

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Illorinjured/DG_171891

 

Entitlement conditions

 

There are two types of Employment and Support Allowance:

 

Contribution-based Employment and Support Allowance

 

You may be entitled to claim contribution-based Employment and Support Allowance if you have paid enough National Insurance contributions. The length of time you can get contribution-based Employment Support Allowance depends on your circumstances. If you are not in the support group, contribution-based Employment Support Allowance is time limited to 365 days.

Income-based Employment and Support Allowance

 

You may be entitled to claim income-based Employment and Support Allowance if you do not have enough money coming in, or you have not paid enough National Insurance contributions, and you satisfy the entitlement conditions.

This means that you have savings of less than £16,000 and, if you have a partner or civil partner, they work for less than 24 hours a week on average. There is no limit on the amount of time you can claim income-based Employment and Support Allowance as long as you satisfy the entitlement conditions.

 

If you have been living or working abroad

 

Living or working abroad can affect your Employment and Support Allowance claim. You may be able to claim if you have either:

 

  • paid enough UK National Insurance contributions in the past (and the equivalent in certain other countries)
  • worked abroad for an employer based in the UK and paid National Insurance Contributions for the first 52 weeks of that employment

 

[url=http://www.dwp.gov.uk/adviser/updates/changes-to-contribution/][/url]

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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45002 the article you quote doesn't contradict anything I said. The OP has already stated their father has an occupational pension meaning he isn't eligible for income related ESA, hence me talking about contribution based which is what does relate to him.

 

 

His pension is about £75 a week so should he be automatically switched from contribution to income related ESA as I assume he is still in the WRAG?

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It also says that claimants will be contacted 8 week prior to the end of the 365 days - my dad is still waiting for this letter.

 

My humble apologies,I missed the part about his occupation pension,given the back log the DWP has with claims doesn't surprise me he not revived a letter yet...

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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His pension is about £75 a week so should he be automatically switched from contribution to income related ESA as I assume he is still in the WRAG?

 

Is that his entire income? Does he live with anyone else? If so, do they have an income? Does your father have savings or own any property apart from where he lives? Own any shares, have savings etc.? If the answer is no to all of those questions he may be entitled to some income related ESA, they would deduct his pension from it though. Given that they have automatically ended it though I would assume he has previously declared some of the above as income or financial support by others.

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Is that his entire income? Does he live with anyone else? If so, do they have an income? Does your father have savings or own any property apart from where he lives? Own any shares, have savings etc.? If the answer is no to all of those questions he may be entitled to some income related ESA, they would deduct his pension from it though. Given that they have automatically ended it though I would assume he has previously declared some of the above as income or financial support by others.

 

I still live a home and work full time.

 

He is on DLA at the higher rate and receives a civil service occupational pension of £75 a week - he was receiving ESA WRAG plus the top up payment because he was on Incapacity Benefit.

 

He has no savings and owns no property.

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Definitely would be worth pursuing then, sounds like he ought to get some, they will deduct the occupational pension but not the DLA. The amount he gets will be significantly less than he was getting though. He may of course be eligible for the support group and then go back to getting the full amount, have a look at the descriptors for that group and see if you think he qualifies. If you think he does, or better still did when he first applied 12 months ago, you can appeal that original decision to put him in the WRAG for a further couple of weeks when your time runs out to do that. Or if he has worsened during the year apply now for him to be in the support group.

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Definitely would be worth pursuing then, sounds like he ought to get some, they will deduct the occupational pension but not the DLA. The amount he gets will be significantly less than he was getting though. He may of course be eligible for the support group and then go back to getting the full amount, have a look at the descriptors for that group and see if you think he qualifies. If you think he does, or better still did when he first applied 12 months ago, you can appeal that original decision to put him in the WRAG for a further couple of weeks when your time runs out to do that. Or if he has worsened during the year apply now for him to be in the support group.

 

Thanks for the responses, I've always thought from day 1 he is in the wrong group - his WCA medical report clearly states that long term he is unfit to work, his condition since then has got worse and he now has scan results etc.. to prove this along with the fact he requires two pretty major spinal operations in the next 12 months - it's just so annoying that when he spoke to DWP in June they didn't help him to sort this out beforehand.

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Thanks for the responses, I've always thought from day 1 he is in the wrong group - his WCA medical report clearly states that long term he is unfit to work, his condition since then has got worse and he now has scan results etc.. to prove this along with the fact he requires two pretty major spinal operations in the next 12 months - it's just so annoying that when he spoke to DWP in June they didn't help him to sort this out beforehand.

 

For a start, the DWP are only good at two things, one, giving the wrong advice and two failing to give any advice or help. I don't honestly know which is the worst of the two!

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For a start, the DWP are only good at two things, one, giving the wrong advice and two failing to give any advice or help. I don't honestly know which is the worst of the two!

 

I've come to realise that - he received the letter (that apparently should be sent 8 weeks in advance) telling him that his ESA expires on the 28th July, yesterday (2nd Aug) - the letter was dated 30th July.

 

After seeking advice he has now submitted a request for them to reconsider and place him in the support group which the local citizens advice worker believes he should be in, hopefully if the advice is correct it should be resolved in the next 2-3 weeks.

 

Once that is sorted, he intends to make our local labour MP aware of what has happened.

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I've come to realise that - he received the letter (that apparently should be sent 8 weeks in advance) telling him that his ESA expires on the 28th July, yesterday (2nd Aug) - the letter was dated 30th July.

 

After seeking advice he has now submitted a request for them to reconsider and place him in the support group which the local citizens advice worker believes he should be in, hopefully if the advice is correct it should be resolved in the next 2-3 weeks.

 

Once that is sorted, he intends to make our local labour MP aware of what has happened.

 

Personally I wouldn't be holding my breath in the hope of being put in the Support Group.

 

You only have to look at the % of those found unfit for work that were put in the Support Group.

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It is indeed extremely hard to be placed in the support group, worth a try though. Weeman, the DWP are imo highly unlikely to agree to place him in the support group in which case he will need to appeal and go to Tribunal. For the Tribunal he needs to get there, together with as much evidence as possible. They take far less notice of GP evidence as GP's tend to write down what the patient says is there symptoms, so evidence from Consultants and specialists, care workers etc. who can evidence what he can and can't do on a daily basis is good. Let us know how he gets on, but don't be surprised if the DWP say nay to the support group - you just then appeal and go to Tribunal.

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