Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • Moomoo11
      Lowell/Overdales Claimform - old Cap1 Debt

      By Moomoo11 · Posted

      London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • catscratch
      Email received from 'Legal' company giving two days to respond.

      By catscratch · Posted

      Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Easy to set one up on Gov.uk , search on Google.
    • Moomoo11
      Lowell/Overdales Claimform - old Cap1 Debt

      By Moomoo11 · Posted

      Hi London  he doesn’t have government gateway. Should we do it via post?
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      If you are helping a family member you are going to need their Government Gateway details in order to Log in to MCOL .

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Had medical but now been sent a IBM270(more info)letter????

Riggsby

By Riggsby
in Benefits and HMRC

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4206 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Like-Im-Being-Ripped-Off

Like-Im-Being-Ripped-Off

Posted
Posted
I just need ESA to use my DLA award! :D

 

 

Interesting rae,

you have been on a merry go round for ages i can remember! what level of DLA you got now. mines hrm lr-care indefinate for now anyway....your not still awaiting appeal are you..:-(

My advice is based on my opinion and my experience. It is not to be taken as legal advice as I am not legally qualified

If my advice has been helpful, please take a moment to click on the scales

on the bottom left hand side of my profile :p

Link to post
Share on other sites
RaeUK

RaeUK

Posted
Posted

Hi Libro, indeed I am still on the assessment rate (almost 4 years but who's counting?). My last (current) application was Nov 2011 and I've not seen an ESA50 yet. My next move is to write in to a DM and see what we can do, I've got all my supporting evidence including a full report from my GP. My DLA award was an indefinate HRM and MRC which will now go in with all my bumpf. As we all know, indefinate isn't as long as it used to be. But it has eased the financial pressure a bit. Hope you're doing ok and nice to see your posts ... :)

Link to post
Share on other sites
Like-Im-Being-Ripped-Off

Like-Im-Being-Ripped-Off

Posted
Posted
Hi Libro, indeed I am still on the assessment rate (almost 4 years but who's counting?). My last (current) application was Nov 2011 and I've not seen an ESA50 yet. My next move is to write in to a DM and see what we can do, I've got all my supporting evidence including a full report from my GP. My DLA award was an indefinate HRM and MRC which will now go in with all my bumpf. As we all know, indefinate isn't as long as it used to be. But it has eased the financial pressure a bit. Hope you're doing ok and nice to see your posts ... :)

 

Rae,

4 years what a joke,

It fails to amaze me how these idiots get away with..as for this room charging i have had it with this life as being disabled aint enough and living on a small amount of money. what is next i beg to wonder.:mad2:

My advice is based on my opinion and my experience. It is not to be taken as legal advice as I am not legally qualified

If my advice has been helpful, please take a moment to click on the scales

on the bottom left hand side of my profile :p

Link to post
Share on other sites
worried33

worried33

Posted
Posted
Just a point to mention related to ESA & DLA.

 

Well people just to verify they do use ESA for DLA see ny proof of my award......

 

img009 copy.jpg

 

 

You can see that as clear as day on my DLA form

:whoo:

 

does seem rare tho, is much more stories of people with negative results having evidence from other benefits been ignored or even worse been told they not admissable.

Link to post
Share on other sites
gregbythesea

gregbythesea

Posted
Posted
I'm so glad you mentioned that. Yes they will use any other evidence for a different benefit.

 

It is not unknown for the DWP to question a DLA award and eventually take it away from someone on the strength of a failed ESA assessment, even if the claimant manages to get it overturned at appeal.

 

My 3 year Support Group review will be coming up anythime now. I also get HRM & MRC. I am seriously considering giving up my ESA claim for that very reason. I don't want a DLA review.

 

I'm very surprised that they haven't re-visited your DLA award on the basis of the repeated failures to get ESA awarded. Mind you if you do send a copy of the DLA award notice to ESA, they will as likely contact the DLA people to put them in the picture of you being found nothing wrong with you!

Link to post
Share on other sites
antone

antone

Posted
Posted
I'm very surprised that they haven't re-visited your DLA award on the basis of the repeated failures to get ESA awarded. Mind you if you do send a copy of the DLA award notice to ESA, they will as likely contact the DLA people to put them in the picture of you being found nothing wrong with you!

 

This is not correct. DLA and ESA are awarded for totally different reasons. It's possible to receive DLA without asserting that one has limited capability for work, something that is not true for ESA.

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.

Link to post
Share on other sites
gregbythesea

gregbythesea

Posted
Posted
This is not correct. DLA and ESA are awarded for totally different reasons. It's possible to receive DLA without asserting that one has limited capability for work, something that is not true for ESA.

 

Why then are DLA awards reviewed in the light of evidence that someone has failed their ESA claim?

 

It happens all of the time, and you only have to read the posts on this site to confirm that.

Link to post
Share on other sites
antone

antone

Posted
Posted
Why then are DLA awards reviewed in the light of evidence that someone has failed their ESA claim?

 

It happens all of the time, and you only have to read the posts on this site to confirm that.

 

That may be true, but the fact remains - DLA has nothing to do with whether or not you can work.

 

ESA does. They are awarded for different reasons.

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.

Link to post
Share on other sites
gregbythesea

gregbythesea

Posted
Posted
That may be true, but the fact remains - DLA has nothing to do with whether or not you can work.

 

ESA does. They are awarded for different reasons.

 

I am aware ot that.

 

I only made the comment as a warning that because the poster has failed 3 ESA assessments yet receives DLA, it is probable based on what has been mentioned on this site previously that the DLA award my be revisited in the light of those 3 failures.

Link to post
Share on other sites
  • 2 months later...
joe9t

joe9t

Posted
Posted

I have received an IBM270, asking the same. I responded to this and have received a response a week later, following the 17 days deadline, that my ESA assessment had scored 9 points. I needed at least 15 points to qualify for ESA. I am now going to appeal and ask them to continue paying me ESA or Incapacity Benefit until my appeal is decided. The decision letter has given me one month to appeal and also states that my current benefit (Incapacity) will terminate in 23 days time, so it looks like I will receive another two fortightly payments of Incapacity Benefit until it is stopped.

Link to post
Share on other sites
joe9t

joe9t

Posted
Posted

I have just phoned ESA and they are sending me a form GL24to appeal and I need to send in a medical certificate with my appeal. Not sure what a medical certificate is. They have said that I would then go on the basic rate of ESA until my appeal is decided. Does this sound correct? I thought that I would remain on the rate I am currently receiving, until my appeal is heard, rather than being moved onto a lower rate which would be about £35 less per week than I receive at present.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...