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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ESA Assessment? So soon after being given Indefinite


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3yr Incapacity/Severe Disablement was up in December last year. The original decision to first get that 3yr entitlement was first to not grant it, then it went to appeal and it given on appeal.

 

The three years were up in December 2011, and after a letter from the GP and a new form filled in it was given as 'Indefinite' in February this year.

 

What has now been received last week Sept 24th is an assessment for Employment and Support Allowance letter where they first want to call to 'talk' about how the changes will affect the claimant and then they want to send a questionnaire called Limited Capability for Work.

 

I assume this is the prequel to an ATOS medical etc?

 

Am I right to think that A/ It's pot luck who gets 'assessed' for ESA first? Just seems a bit odd that less than 8 months after being granted Indefinite re disability that they are now having to go through what appears like it all over again but with a different set of questions/criteria and ones which seem steeped against the individual.

 

Is the above unusual or standard?

 

--

 

Also, they want to speak to the claimant on the phone, this is something the claimant won't do, they don't talk on the phone at any point, one part of their illness is extreme issues where others are concerned, is there a way around this? I don't see the claimant ever speaking to them on the phone, what would be the next step?

 

More to come but for now this is it.

 

PS: Recently had to apply for a Blue Badge, this involved having to send a rather elongated form in (most of which did not require filling in due to Higher Rate Mobility aware, but still they wanted a plethora of 'documents' . Finally awarded at a cost of £10 ...

 

Any clues/ideas/way forward would be much appreciated.

Edited by Deb T
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I reside in Dawlish Warren but am not a rabbit.

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Deb T:

 

Eighteen months into incapacity/severe disablement reassessment it appears that Jobcentreplus have neither rhyme nor reason as to their priorities for reassessment. Some claimants are being called at the end of a recommended period before reassessment. For the rest it is indeed pot luck.

 

Practicalities;

 

No-one, the claimant, you or anyone else, has to take a phone call from Jobcentreplus if they don't want to. Tis my personal choice to only speak to them on the phone when it suits me, and that's not very often! In your particular circumstances they'll try once or twice before giving up and sending an ESA50 questionnaire. Atos may want to arrange a face to face assessment by phone. Again, if you don't answer they'll simply give up and write to you instead.

 

Among the stickies on the benefit forum there's an excellent guide by :leemack: to completing the first part of an ESA50 form. Unfortunately, :leemack: wasn't able to complete the second part but Rethink's site has a guide to coping with the questions about cognition and mental health.

 

Best wishes, Margaret.

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Hi Margaret, thankyou for that,

 

So, let me try to clarify, there is no obligation for a person to speak with Atos/Jobcentre Plus on the phone and by not doing so they're not damaging any future assessment? (ok, as far as can be ascertained that is) and notwithstanding that simply by virtue of them not speaking to ATOS/Jobcentre they will simply send the form which out.

 

I have no idea as to why they'd want to speak to a claimant on the phone other than A/ To check they have a contact/route in to the claimant and B/ Because they have supposed stress monitors/lie detecting equipment (flawed as they are, I know because I've watched Jeremy Kyle haha) and want to try and fail the claimant even before it gets to the assessment stage.

 

It is on file with docs/ psychiatrist/ that the claimant has a problem, a real problem with phones, this was documented way before any claim for any benefits was ever made?

 

and it's been just 8 months, not 18 months since a reassessment for disabilty took place and where indefinite was granted.

Edited by Deb T

I reside in Dawlish Warren but am not a rabbit.

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:Hiya Deb T:

 

No obligation whatsoever for anyone to take a call from Atos or Jobcentreplus. :biggrin: I'm in the middle of reassessment. Two days after I'd ignored a second call an ESA50 questionnaire dropped through the letterbox. Just look out for the ESA50 in case it gets lost by Royal Mail.

 

Officially, the reason for phone calls is a new caring, sharing, face from Jobcentreplus. Make of that what you wish. Some claimants are happy, but many aren't, to accept the decision about their entitlement to employment and support allowance via phone because decision makers sometimes ask if there's any extra info to be submitted in support of the claim. Ignore the decision maker? If there's a real chance of extra evidence affecting the outcome of a claim Jobcentreplus will send a letter (think it's an IBM270) asking for it.

 

Was the February 12 reassessment for disability living allowance rather than incapacity/severe disablement?

 

Best wishes, Margaret.

Edited by **Margaret**
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Hey Margaret, Now you've mentioned it and after checking yes the Feb 12 was for DLA the rest just continued on from the original claim made 3 years 8 months ago.

 

Can you clarify what you mean by decisions made over the phone etc? Jobcentreplus phone you to 'identify you' but nothing in that phone call will stop them from sending you the ESA50 form will it?

I reside in Dawlish Warren but am not a rabbit.

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Deb T:

 

Was talking about the eventual decision to award, or not award, employment and support allowance being notified to the claimant by phone before Jobcentreplus sends written confirmation.

 

Almost all reassessment claimants, whether or not, the initial phone call is answered get sent an ESA50, unless there's a change of circumstances; hospital inpatient, terminal illness, etcetera, for which alternative documentation is required.

 

Margaret.

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  • 1 month later...

Couple of quick questions.

 

 

 

1:/ They give a date to send the form back by, it will be a few days late and I mean a few. Due tomorrow but wont be able to send it until Monday due to the person having a few rough days of late and not really up for going through the last part of the form. Will a few days late mean they'll get snotty? really don't fancy phoning them up having to explain to them.

 

2:/ Also, is it worth enclosing a letter from a Consultant Psychiatrist who in their opinion deems the patient unfit for work for the foreseeable future (doctor has been away abroad so have been unable to contact them to do the same...which they would if they were available) Or should the Shrinks letter be held back ...I base this on the notion that they appear not to even read the form sent in but simply head straight to the 'medical assessement' route almost by default.

 

3:/ I have read Leemacks excellent guide to filling the form in, was there another part to come as in the mental health part or did something happen? also, is Leemacks guide still applicable?

 

Also, the declaration is a bit 'catch all' isn't it? almost as if they want you to give them the ability to contact anyone at any time and for any reason and that anything you send them they can farm out to whomever.

I reside in Dawlish Warren but am not a rabbit.

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Couple of quick questions.

 

 

 

1:/ They give a date to send the form back by, it will be a few days late and I mean a few. Due tomorrow but wont be able to send it until Monday due to the person having a few rough days of late and not really up for going through the last part of the form. Will a few days late mean they'll get snotty? really don't fancy phoning them up having to explain to them.

 

Firstly, from what you say later, the claim is in relation to mental health in which case there is no comeback if the form is not returned at all. In any case, by the time ATOS realise it hasn't been returned and let the DWP know and then the DWP get around to do something about it, it will have been returned so no problem again.

 

2:/ Also, is it worth enclosing a letter from a Consultant Psychiatrist who in their opinion deems the patient unfit for work for the foreseeable future (doctor has been away abroad so have been unable to contact them to do the same...which they would if they were available) Or should the Shrinks letter be held back ...I base this on the notion that they appear not to even read the form sent in but simply head straight to the 'medical assessement' route almost by default.

Any medical evidence you already have should be enclosed with the form though you're right in that it probably won't be read. They don't even appear to read the bit about special arrangements you might need to attend the assessment. However, don't delay sending back the form waiting for evidence as it can always be taken to the assessment where it's possibly more likely to be read.

 

3:/ I have read Leemacks excellent guide to filling the form in, was there another part to come as in the mental health part or did something happen? also, is Leemacks guide still applicable?

The guide is still applicable. Unfortunately the mental health part is on hold due to illness.

 

Also, the declaration is a bit 'catch all' isn't it? almost as if they want you to give them the ability to contact anyone at any time and for any reason and that anything you send them they can farm out to whomever.

 

Hope this helps.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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: DebT:

 

Rethink's site has a useful factsheet about the work capability assessments. Includes the descriptors for mental health issues and a guide to answering the questions for activities 11 - 17 on an ESA50.

 

The space for explaining a late return is on page 19.

 

Margaret.

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