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    • Hi I’m new here so not sure if I’m posting in the right place!  Long story short I separated from my now ex husband 2 years ago he ran of and did the dirty after 20 years marriage 3 children and left me with a load of debt unfortunately all in my name £33,000 in total now being a single parent and only being able to work part time as my youngest has special needs  my income really is mainly from benefits  he receives dla high rate and full mobility because of his medical needs. Its a very big struggle especially trying to pay everything run a home and 3 children  going without all the time  added stress with debt collectors and now bailiffs for council tax, shop direct account and a parking fine hadn’t realised mobility badge had expired!  I’ve read loads of advice on here  and am considering filing bankruptcy  my question is can these bailiff debts be included in a bankruptcy or can they still chase me for the money.  I just can’t see a way out at all what I owe will take me years and years to pay back  life is so stressful 😢 thank you in advance for any advice given. sorry it’s a little long winded!   
    • Hello  Sorry if I’m posting in the wrong place. I got a bus lane fine that dates back to over 12 months ago however, I didn’t receive the original fine from the council. This is because I moved address and the DVLA didn’t update my address when I changed my log book. This has caused me other issues for example, I got a fine for not taxing my car. So I got the year old fine through the door which has now been passed to Jacobs and it’s now £180. I called them to advise it’s the first I heard of it but I will pay it in instalments. They bates something like £58 a month and I said I checked my outgoings and I can afford £37. They declined this so I said I’ll pay £37 every month anyhow. To date I have made 2 payments of £37 and was due to make another on Friday on payday. I’ve come home to a letter hand delivered saying removal within 24 hours and the balance is £336! I called Jacobs and they said although I’m making payments , they didn’t agree to the payment plan. I rang the guy that delivered the note and asked him if he’s going to break in and he said he didn’t say that.  The way I envisaged it going was to a judge and a judge would see it as unfair that I didn’t get the original £30 fine, I’m paying what I can afford. From what I’ve read they can’t force entry. I just don’t want to keep paying £37 and then the £336 keeps rising.  My friend has suggested that I pay off what is left of the £180 and speak to the council to see if they can ask Jacobs to back off now. Please help 
    • Also if anyone is interested, I originally applied for the loan via Ocean Finance, I chased them today for a copy of my original application form as I believe there may be discrepancies that I want to check. Please see the reply from Ocean Finance below. It seems that my documents and data are lost, the name Ocean Finance still exists so I have asked for details of their compliance officer      "Thank you for your email. You have requested information relating to a loan that we believe you had previously taken through Ocean Finance and Mortgages Limited.   Unfortunately we are unable to assist you further with your request as Intelligent Lending Limited (company number 04291279) which trades under the name Ocean and Ocean Finance, is a separate company to Ocean Finance and Mortgages Limited (company number 04892540).    Please be advised that in August 2012 Intelligent Lending Limited purchased the Ocean Finance brand from Ocean Finance and Mortgages Limited.  If you therefore took out your loan before this date it would have been through Ocean Finance and Mortgages Limited (company number 04892540) and not Intelligent Lending Limited.    Ocean Finance and Mortgages Limited has however ceased trading on 16th August 2016.    
    • Sorry, forgot to attach the PDF letter. Here it is:Notice to Instruct Solicitors_27JAN2020.pdf    
    • Hi CAG,   New correspondence received:  Notice of Intention to Instruct Solicitors.   I have attached the correspondence in PDF.  The letter is from TNC Collections.   They want payment in 7 days or they will instigate immediate legal proceedings against me.   Is this one last attempt at scare tactics?  Any response or action required by me at this stage?   Thanks
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unclebulgaria67

Another ATOS death

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http://politicalscrapbook.net/2012/11/disabled-man-dies-after-atos-stops-benefits-chris-grayling/

 

Makes awful reading. Apparently 1700 deaths are being linked to failed ATOS assessments.

 

Perhaps the government should release full details of their risk assessment into this policy, as surely they must have told ATOS on what basis to assess people as being fit for work.


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32 per week, bloody shocking and a disgrace. Value on a human life? Atos knows, dwp knows shame its sensitive commercial information.

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Jesus christ what is this; legal genocide? This needs blowing wide open by the media.

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32 per week, bloody shocking and a disgrace. Value on a human life? Atos knows, dwp knows shame its sensitive commercial information.

 

I heard that figure has long been past, into the 70s now. Soon be over a 100, perhaps when people start seeing people they know disappear they might say something. The frightening bit is they just finished reshowing Nazis a warning from History on the TV, yet still nobody is seeing it.

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The problem is that ATOS are incentivised for finding as many people fit for work as possible and then the DWP don't really assist people properly afterwards. It is no good saying people are fit to work and then offer no resource to help them. They seem to just say no, cut the money and then the benefit claimant has to apply for JSA without any help being given.


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a good friend of mine was on esa, is dissabled, had to endure the atos medical failed it, was put on jsa, who found her a job in a nusery, 30 hours a week my friend was in agony trying to pick children up that the owner sent her home because she couldnt cope with the job, she went to her GP, who gave her a sick note, but she doesnt know what will happen now because she cant work shes to unwell, so what about other disabled people who get sent to work but are to ill for the job, will they get sick pay

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Jesus christ what is this; legal genocide? This needs blowing wide open by the media.
Help the Sick and Disabled

 

 

 

http://you.38degrees.org.uk/petitions/letter-to-the-icc-at-the-hague-re-mistreatment-of-the-disabled-and-sick

Please help us to build this petition on behalf of the mistreated in the UK

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Whilst i believe that atos and indeed the whole benefit system is broken and does need radical reform -not sure what though- it is very easy to blame these deaths on atos when i wonder how many direct cases there are. I am not sure the Nazi thing is quite appropriate. That was a whole different set of circumstances and a whole different argument imo.

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No the deaths are not directly related, after all Atos isn't treating them. The point is that these people are being declared fit for work and then dying. So blaming atos or the gov for it misses the point somewhat, however it shows how incompetent atos are.

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No argument from me on atos being either incompetent or extremely good at doing what they are told.

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I think those who commit suicide from the experience of dealing with atos would disagree.

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Zonker, this thread did not mention suicide at all. I agree even one suicide is one too many but it is a complex issue. Do you have any statistics on that? By the way in my experience, and i do have a little,most people who commit suicide seem perfectly able and in control,or at least in no danger of doing it.

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OK accepting they might result in suicides, but the majority of the deaths mentioned aren't that. Trust me I have no love for atos having been through the hell of their system with my partner.

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'The DWP said it did not have research data on the impact of assessments on people's mental health and that no links could accurately be made to suicides.' , from

 

http://www.bbc.co.uk/news/uk-england-london-19437785

 

and also this FOI request ,

 

http://www.whatdotheyknow.com/request/suicide_and_attempted_suicide_du

 

which shows they are aware of suicides , but they dont collate the information and wont search for them under cost grounds for FOI requests.

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I have no doubt that the truth is being hidden for various reasons. But ATOS are not totally to blame. They have been given the job by DWP and told what to do. The real blame is with DWP for not providing appropriate resources to assist people declared fit for work. The DWP should be working with NHS professionals and Job Centre Plus staff to see what is needed to support the people. ATOS are just involved in a box ticking exercise, paid a fee to run the assessments against a limited criteria. I think a number of Doctors have resigned from ATOS, as they were unhappy with the assessment process.

 

The other issue is whether the UK economy can provide the 35 million jobs that would be required to have full employment. The government have just removed some financial support from Remploy causing the loss of many jobs. This is a bit silly if you ask me, as if you want people with disabilities to work, then government does have a role to play. There are many employers who would not offer employment to people with disabilities, as the cost implications to make reasonable adjustments, may be too much.


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I think this say's it all. :sad:

 

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Help the Sick and Disabled

 

 

 

 

http://you.38degrees.org.uk/petitions/letter-to-the-icc-at-the-hague-re-mistreatment-of-the-disabled-and-sick

Please help us to build this petition on behalf of the mistreated in the UK.

LESS THAN 50 SIGNATURES REQUIRED NOW ! WELL DONE EVERYONE!

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How many have died due to an unrelated medical condition? Like the person who has a heart attack or something? There is no proof that all these deaths are to do with ATOS.

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No but when we lose someone we need someone to blame.It makes grieving easier however as in this case it can promote a backlash.

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It's not always someone elses fault though. I know that some commit suicide - it's possible that this isn't just to do with ATOS.

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I wasn't blaming anyone,i was saying we look at people to blame. When a person commits suicide we may blame ourselves for not having done more,if someone has a dies suddenly we may blame a doctor or the fact we didn't force them to the gp last week.

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The issue is really about a process that finds people fit for work but whoare clearly so ill that they have died soon after this decision was taken. Ifyou are so ill that you die within weeks or months of being assessed as"FIT FOR WORK" there is something seriously wrong with the system.

You do not need a degree in medicine or even been a qualified nurse ordoctor to see this needs changing.

ATOS are responsible for the assessments and are therefore responsible forthe gross misjudgement but the government is ultimately responsible for givinga Multi Million £ contract to a company which is not fit for purpose.

Any of us could find ourselves so ill or disabled that we would be UNFIT forwork. We need a system that takes good care of vulnerable people not makingthem more vulnerable and insecure than they already are.

Please help by signing this petition.....Thank you!

http://you.38degrees.org.uk/petitions/letter-to-the-icc-at-the-hague-re-mistreatment-of-the-disabled-and-sick

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Aren't DWP partly responsible too? They surely get all the evidence (including ESA50) to make their decision.

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