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    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   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? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   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. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
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Gay_guy1986

Jobseekers diary

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Morning Everyone!

 

This morning I sign on at 10.45am however I filled in my Jobseekers dairy and since I signed on last fortnight I have applyed for 14 Jobs and I written them down in my dairy, will that be ok? or could Jobcentre send my Jobseekers to a decision Maker?

 

I only heard back from 1 by email as I apply by jobs by email (sending my cv attached) and It states in the email that I have been Unsuccessful, I am trying to get a job but not a lot of Jobs in the last past week.

 

Any advice would be great thank you. :-)

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Morning Everyone!

 

 

 

This morning I sign on at 10.45am however I filled in my Jobseekers dairy and since I signed on last fortnight I have applyed for 14 Jobs and I written them down in my dairy, will that be ok? or could Jobcentre send my Jobseekers to a decision Maker?

 

 

 

I only heard back from 1 by email as I apply by jobs by email (sending my cv attached) and It states in the email that I have been Unsuccessful, I am trying to get a job but not a lot of Jobs in the last past week.

 

 

 

Any advice would be great thank you. smile.gif

 

 

 

Hi that it's tons . They only look for about 7-8 things in the book you will not have a prob !

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Probably just lulling you into a false sense of security:biggrin:

 

Only joking - nice to hear something positive for a change.


RMW

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

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As long as you are meeting the minimum requirements as per you job seekers agreement then there wouldn't be a problem but if you are given any vacancies to apply for then make sure you do :)

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Hi Flumps1976,

 

Oh yeah I deffo going to apply for the jobs what they give me as I don't want my jsa sanctioned but at the moment I have not had any jobs from them yet, Just my advicer at the work programme which I applyed for them!

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If you attend work programme then you are only supposed to see the signing team at the JCP, all advisory support is to be provided by which ever provider you have been allocated to.

You adviser at Work Programme will set up an action plan with you which replaces the Job Seekers Agreement and that is what you are supposed to follow, the signing team are there to check that you are meeting at least the minimum requirements and weekly activities, but they can refer to an adviser if there any doubts that arise and the work programme will refer to dma if they have any doubts over your job seeking activities.

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Since a few months ago Jobcentre is now checking everyone JSA Dairy even though people still getting help from the work programme, when I signed on this morning a notice was on the desk stating this:

 

Warning to people who are on the work programme, when you attend for your signing on day please make sure you bring your dairy with you to your appointments and to show proof of what you done to activity seeking work, if you fail to provide this your benefits will be suspended!

 

Looks like the goverment is really getting tough now

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Looks like they are wanting some excuse to sanction

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Not heard that before. When I was signing on and was on the work programme, I was just asked if there were any changes (starting work, etc) that would affect my JSA.

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Since the the new sanction regime started on 22nd October the emphasis has been put back to the customer to show evidence of their jobsearch at every adviser appointment or signing intervention. This is ready for the intoduction of Universal Job Match on the 19th November.

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Out of interest if there were no jobs to be 'universally matched' to then what would happen?

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Universal jobmatch isn't just about matching to jobs, it will log every time you log on to the account to help prove that you are actively seeking as per te Job Seekers Agreement, and it will also show what jobs have been applied for via the account, so if a vacancy is matched and not applied for it will show up immediately!

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Wow that sounds like its going to be a great tool for sanctions, but wait isnt the jobs already listed a bit erm, out of date, inaccurate or just not suitable? Wonder how the system is going to work , waiting tables listed on job advert turns out to be a strip joint for example?

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Wow that sounds like its going to be a great tool for sanctions, but wait isnt the jobs already listed a bit erm, out of date, inaccurate or just not suitable? Wonder how the system is going to work , waiting tables listed on job advert turns out to be a strip joint for example?

 

If anyone gets matched with a job at a strip joint, I urge them to do something I would not normally recommend: contact the Daily Mail.


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

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nice answer antone...but do you honestly think that daily mail readers will much care? they are all for getting the 'scrounging ****' into any work that is available, even if it is odious or unsuitable

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As a Daily Mail reader (only because I can red arrow the plonkers who get in a tiz about things) I have even applied for a job on that paper.

 

I find having to do things under the threat of sanctions very draconian and very counter productive.

 

As I posted on a couple of threads myself and a friend sat and came up with a string of jobs to apply for which we would never be shortlisted for, let alone have the experience of.

 

Currently on the Reed jobsite there are jobs advertising £22-50,000 a year being Mystery Shoppers or making money from Facebook/other online media. When you click on that it takes you to another website where it wants your bank details - a big no-no for most people, and those that do enter them here may find that they have money taken - nothing so far has been reported but the Jobcentre locally sent out a warning about entering bank details on job applications.

 

Fair enough to make sure people are applying for 'real' vacancies with a 'real' chance of employment but NOT to 'make them suffer for the money' which seems to be the newer way of looking at benefits - forgetting the origin of the word - from Latin bene - meaning for the good of everyone.

 

Benefits now has become a battleground for the moral minority and the moralistically motivated majority who think they can 'change the world to their way of thinking'.

 

Well, for the moralistically motivated majority one day you will be in need and who will then listen to you? The Big Society is not working on the level Cameron and his mates wanted, and come the next General Election the 'middle classes' will react accordingly, the only things I can find in Cameron's favour is that he is beginning to cut foreign aid to countries who are clearly sorting themselves out, and he does not seem to be a war-mongerer.

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the only thing I can find in camerons favour, is the fact that i hope he gets a hiding to nothing at the next GE....however, whoever, or whatever we replace these 'born to rule' fools with I cannot see anything changing for the better...the labour party now seems to be a centre to slight left leaning of the Conservative party, whilst the libdems who have sold this nation down the river by siding with the Cons will never be trusted again, after persuading the young vote by promising 'no tuition fee rise' then going back on that has left them unelectable for generations...so the only thing we are left with to put our cross against are the smaller parties such as UKIP or Greens..neither of which fill me with any confidence..the future looks bleaker by the day!!

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