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    • Yes. I'd be very interested to know how the defendant fared in putting forward the defence that the calaimant had been contributorily negligent by not keeping their cat under control. I'm aware that some people might find that fatuous, distracting or confusing, but the reality is that I'm not aware of any law that imposes a duty upon cat owners to keep their pets under control.  Whereas I believe the law does hold dog owners responsible for their dogs in public places. I'm not certain it was at all beneficial to the OP to suggest that blaming the claimant was a credible defence...
    • Okay, perfect. they did say BS is invoked as soon as i fill in their application form, ill get a pin. i had to press them more on this as they didnt want to discuss BS much. so i should fill in the form and get the pin, then i can initiate BS. What will follow and what should i do after? Thanks again for all the help and patience.
    • Good evening, so not a good weekend reviewing paperwork -- I have lost some proofs of postage.. also, although not provided at CCA, they have now supplied a DN in their WS, please see scan of claimants WS (without statements) Document with tick boxes as signatures doesn't look like an agreement and is split across pages. Documents have been stapled and copied multiple times looking at the top left of them. Aside from that, having read other threads, I suspect they have everything? appreciate your input please Sorry for heavy redactions, I noticed the paperwork was see-through LinkHalifaxCC1.compressed.pdf
    • Received a final demand today Final demand.pdf
    • Here is my final draft: I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim and further to my set aside application dated 1 November 2022. The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act.   1.        The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date.   2.        I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3.        The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’.  The claimants solicitors did not provide me with these documents.   4.        Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018.   5.        I became aware of original Judgement following a routine credit check on or around 14th September 2020.   6.        Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicotors is attached and marked ‘Appendix 3’   7.        I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’.   8.        The claimant relies upon and exhibits a reconstituted version of the alleged agreement.   It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HH Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’.   The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause.   9.        Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not try to mislead the court.   10.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024
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Sanctioned After Signing off and applying for esa


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Hi, am new here. I was informed by my JCP advisor that I had failed to apply for a job back in may and asked me if i could prove that I had applied for it. I had my email hacked around that time and was advised by sky to reinstall windows so all my emails previous to that had gone. I informed them that I couldn't prove that I had but was unsure as it was 4 months previous.

 

I have recently been signed off as my depression is deepening and I have new problems that are being investigated by the doctor and the hospital. I signed off so that I could claim esa as was told u cant be in reciept of one and apply for the other. I checked my account on my usual payday and found that I hadn't been paid and when I phoned them to find out what had happened i was informed that they would pay me one weeks and if i was awarded esa they would decide when to pay me.

 

Saturday morning I get a brown envelope and in it was a letter informing me that i had been sanctioned for 13 weeks. I need to know if my being sanctioned after I applied for esa will affect my claim for it. If i dont get the esa what am i supposed to live on till january and how am i gonna be able to heat my home.

Edited by antone
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Hello, and welcome to CAG. I've added a few paragraph breaks to your post, as this makes it easier to read.

 

A sanction applied to your JSA claim will not affect your entitlement to ESA. It is true that you can't receive ESA and JSA at the same time, and the delay in your payment is quite possibly caused by your switch from one benefit to another. But unless you need to reclaim JSA within the 13 week sanction period, you should still be paid. The point is that a JSA sanction applies only to JSA, and runs whether or not you are actually claiming JSA.

 

As an example of what I mean:

 

 

  • If your JSA sanction applies for 13 weeks from (say) 01/10/2012 and you claimed ESA on (say) 08/10/2012
  • Then your JSA sanction ends on 30/12/2012
  • It ends on this date whether or not you were actually claiming JSA during the sanction period
  • While you are claiming ESA, your JSA sanction does not apply
  • But if your period of illness ended and you had to reclaim JSA, it might be relevant

Suppose you were ill for 10 weeks from 01/10/2012, and then had to reclaim JSA. You'd reclaim JSA on 09/12/2012. As such, you might have three weeks of your sanction still to deal with.

 

 

Key points are that while you are on ESA, JSA sanctions are not relevant; and also, you may ask for a reconsideration or appeal a JSA sanction if you wish. In most cases, you must do this within one month of the decision you wish to appeal.

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Hi, am new here. I was informed by my JCP advisor that I had failed to apply for a job back in may and asked me if i could prove that I had applied for it. I had my email hacked around that time and was advised by sky to reinstall windows so all my emails previous to that had gone. I informed them that I couldn't prove that I had but was unsure as it was 4 months previous.

 

I have recently been signed off as my depression is deepening and I have new problems that are being investigated by the doctor and the hospital. I signed off so that I could claim esa as was told u cant be in reciept of one and apply for the other. I checked my account on my usual payday and found that I hadn't been paid and when I phoned them to find out what had happened i was informed that they would pay me one weeks and if i was awarded esa they would decide when to pay me.

 

Saturday morning I get a brown envelope and in it was a letter informing me that i had been sanctioned for 13 weeks. I need to know if my being sanctioned after I applied for esa will affect my claim for it. If i dont get the esa what am i supposed to live on till january and how am i gonna be able to heat my home.

When JCP notify you of a sanction, they normally provide a copy of the specific job, including closing date, method of applying, contact details of employer. Hence, in appealing against the decision, you should approach the employer in order to

i) confirm the closing date of the application

ii) confirm the status of your application.

 

Information provided by Job Centre Plus is not always accurate - including advertising vacancies which do not exist, such as when the vacancy has been withdrawn or the closing date has been passed. In the case of agencies, Agency Clerks may have left the agency, and their records may not be accessible. And JCP Staff do not always even approach the employer- and throw in a false accusation of "failing to apply for a job without good reason".

 

On the basis of the information that you get from the employer, submitting another appeal would be advisable.

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If you want to apply for ESA you need to inform the DWP that you are closing your current claim for JSA if you haven't already done that.

 

I'm confused about your emails though, I have a new computer and all my sky emails are there from years back despite it being a new computer. It is sky who store them not the computer so you should still have them? I'm no longer with sky but still use their email address.

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thanks for answering as to sky I have my email set up so that a copy is not left on the server when i download my emails to outlook. And the firm said I hadnt applied, but after 4 months how r u supposed to remember why or if

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thanks for answering as to sky I have my email set up so that a copy is not left on the server when i download my emails to outlook. And the firm said I hadnt applied, but after 4 months how r u supposed to remember why or if

In respect to the job, were you supposed to apply for the job based on the Job Description provided by Job Centre Plus (quite pitiful, frankly), or were you supposed to contact the employer for a copy of the job description and application form and then apply.

Ask the employer to check their records again. Also ask them to forward a copy of the job description and Person Specification. If there is anything in the Person Specification which is considered to be essential criteria and which you cant address, then that gives you justifiable reason as to why you couldn't apply.

 

In terms of emails... I would suggest that you use Googlemail as the main email server - if for no other reason than, if your computer fails, at least you have copies of emails.

Edited by RebeccaPidgeon
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If you want to apply for ESA you need to inform the DWP that you are closing your current claim for JSA if you haven't already done that.

 

The job centre have a form they fill in for you to stop your claim, which is then sent off.

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The sanction will remain on your claim until the exhaustion date. you can request a reconsideration of the decision but you will need to provide new additional information, do you still have access to the email account and if so did you clear out your sent items, if you didn't then great you should be able to confirm if you did send the application from your email address, unfortunately if you didn't then you will have to appeal against the decision instead.

Your claim for ESA will not be affected by the JSA sanction.

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