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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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unclebulgaria67

Another ATOS death

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Come on, lets keep a perspective about this. These deaths aren't attributable to being told they are fit for work and if you believe anti-conservative propaganda from a Labour newspaper, you must also believe in tooth fairies and santa clause.

 

Take this latest one, he died the day after being declaired fit for work. Yes it was a rubbish assessment, but how did that kill him.

 

Lord Haw Haw is still alive and living at the Mirror offices.

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If you read the article i am not sure what the papers stance was. It said the family believed atos responsible and we will never know exactly what triggered the heart attack although i suspect it was waiting to happen. I am no fan of ATOS or the Tories but there again i am not convinced in labour. This should transcend party politics. It is about what is right and how we stop people abusing the system without penalizing the genuinely ill

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What ever the causes of the deaths, 10 people a day are dying after being told they are fit to work. Disabled and chronically ill people are scared for their lives (as one I know).

 

The conditions are not quite here yet, but we are heading for a perfect storm of zero benefits and no income. At the moment we have different benefits that while not providing complete protection from destitution, at least mean you should get something. From next year with the introduction UC and the bedroom tax, and the abolition of DLA many people will find themselves with no income and no hope.

 

Not sure if people realise what it means, when the prospect of going to prison offers a massive improvement in lifestyle. Will this be the return of the workhouse.

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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.

 

Well I can you this much...I haven't been sent a date for my assessment yet, and according to Welfare Rights it could be 2016 by the time they have gone through all those like myself who'll be reassessed, but I'm seriously considering exiting this existence before I even have the stress of it to deal with...bad enough living with my condition but really can't see a future worth living once this all comes into play...IDS is a heartless, inhuman creature who actually believes he is doing the right thing by sick and disabled people...

Edited by 42man

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Come on, lets keep a perspective about this. These deaths aren't attributable to being told they are fit for work and if you believe anti-conservative propaganda from a Labour newspaper, you must also believe in tooth fairies and santa clause.

 

Take this latest one, he died the day after being declaired fit for work. Yes it was a rubbish assessment, but how did that kill him. Most likely the result of the stress involved...worry and stress result in many heart attacks, even in those with low cholesterol and no actual heart disease..!

 

Lord Haw Haw is still alive and living at the Mirror offices.

..

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Stewey

In reality you do not know how this will affect you as lets face it by 2016 we could have a different government etc etc. I do not doubt the stress and worry you feel but realistically what can you do except keep fighting.

Just one other point,you have no idea what caused the heart attack so statements like the one above and not useful to anyone.

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Westfield I was merely pointing out that worry can and does cause heart attacks in otherwise healthy people...stress is a huge killer...not an unhelpful statement but one I feel is very valid given the stressed out lives people lead in these times, whether awaiting an ATOS medical assessment or just going about their daily business.

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Hi Stewey.

I do agree that excess stress in a scourge of the modern western world. Of course normal levels of stress are useful to us. All i was trying to say was that although i believe the system is broken people making unfounded accusations can at worse become a self fulfilling proffesey. People are stressed and get a letter about an atom assessment,they read up and get more stressed and then what? See what i mean.

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Well, wouldn't you get stressed if you had to go to one of these assessments? Especially when you hear of people who are severely disabled and can't realistically work being found fit for work.

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Well i have been through it,but to be honest constructive advice before i went would have been far more effective.

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Yes I take your point Westfield, we can stress ourselves out when there's nothing we can do to change it, only hope for the best when it does come to it, and then appeal if it goes wrong...

 

Can't we all take a class action case to the European Courts..? Seems they're great for keeping people in the country who don't deserve to be here, maybe they could stop this government doing this to vulnerable people...or at least order a moratorium until the system is made safe and fair..?

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Yes I take your point Westfield, we can stress ourselves out when there's nothing we can do to change it, only hope for the best when it does come to it, and then appeal if it goes wrong...

 

Can't we all take a class action case to the European Courts..? Seems they're great for keeping people in the country who don't deserve to be here, maybe they could stop this government doing this to vulnerable people...or at least order a moratorium until the system is made safe and fair..?

yes Stewey you are spot on but who is going to take a lead as we have lost will to fight just trying to leave our few days in this world as less stress full as possible we can.

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hi,im new to the forum,in june 2008,i had been summoned to have a medical assesment,due to being on incapacity benifit after having a stroke and being in hospital,i was asked to raise my hands above my head,touch my toes,then sit onto the edge of a table,the assesment officer then asked me about my health,wont go into all the details,but shortage of breath,chest pains and so on,i also informed him that i was waiting on results of having a camera down my throat[cant remember the name of the procedure].to cut a long story short,he failed me,

i appealed as i knew i wasnt not fit for work.

10 MONTHS LATER,i went for my appeal hearing.a panel of 3 people.one was a doctor,and finally they had my medical records turn up,they cancelled an earlier appeal hearing,due to losing my medical records.he[the doctor] almost got on his knees to me,to get in touch with freemans hospital in newcastle.as it turned out that the test results i was waiting for,had shown,that i had a hole in my heart,and also a right to left heart shunt.

the surgeon who operated on me for 4 1/2 hours ,said that i had been a walking time bomb for those 10 months,and could have dropped dead anytime.the operation does not seem to have worked,as i still suffer from lack of breath,and still have tia[small strokes]into double figures now.ive just recieved my esa50 form to fill.yes im worried,and feel rightly worried.because i felt that at my last medical,my symptoms were not even considered.i will ask for this medical,if i have to attend one,to be recorded.

if i could have taken legal action,i would have done so.simply because the guy who failed me.did not appear to even listen to me.

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This is a bit of a slow burner because we're waiting for test cases and judicial reviews...

 

https://www.facebook.com/groups/CAAADWP/


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Quote from stewy:- " I'm seriously considering exiting this existence before I even have the stress of it to deal with...bad enough living with my condition but really can't see a future worth living once this all comes into play...IDS is a heartless, inhuman creature who actually believes he is doing the right thing by sick and disabled people.."

 

I feel the same. Suicide may well be my best option if they stop my money (which is very likely). :|


Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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*hugs*


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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