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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.  Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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Hi everyone :-)

 

A few days ago a message has come up on Jobcentre plus stating that Universal Jobmatch is coming on the 19th of November, but what is this about? does it mean that if you apply for the job does Jobcentre get notify of it?

 

Just a bit confused over this and what does it involve. :???:

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At Taunton JC they appear to be telling claimants unless they've got a computer. internet and an account with UJ then they can't get JSA. There's a copy of that JC's advice to a claimant about it floating around Twitter this evening, only been on there about an hour or so.

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I'm confused about this, too - I signed on tuesday, and it wasn't mentioned to me at all.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Literally just back from the JCP office, i wasn't handed a form, but was asked if i'd like to participate in the new site being launched on Monday, being a glutton for punishment, i agreed and had to put my email address on a sticker on my JSA file the JC keep my signing form in. No discussion on weather it was mandatory as i was foolish enough to help the JC out with a wrongly categorized job on their system...¬¬ Anyhoo, i can't wait to see it crash and burn, according to Flumps (whoops not Fluffy) in another thread, this hasn't been tested in JCP offices at all

 

[EDIT] and when i say "sticker" i mean a label with "Email:.............." thats it, no other words on it.

 

[EDIT 2] Just to clarify, Universal Jobmatch requires you to sign up to the site to hunt for jobs. It's been developed my Monster ( ¬¬ ) and will track the jobs you've applied for and will be visible to DWP staff (apparently) though how they will do this is anyone's guess. Still no clarification as to weather it's manditory, FOI requests have been denied as guidelines haven't been published. Wish i could post links lol, theres a full FAQ on the Gov website

Edited by Salixne
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Yeah, i've read the stuff on the website, I just can't tell if it's mandatory. Suppose i'll just have to wait and see what they suprise me with. i've got no problem with it as long as it actually works!

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Universal Job Match is to replace the current LMS (Labour Market System) that is available via gov.uk, jobseeker direct and the job points.

Eventually all jobseekers will be required to have a universal jobmatch account as part of their claim.

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Hello Everyone,

 

I attended a local JCP today and was told that I would be sanctioned if I did not participate. I have only recently started claiming and signed twice. Also mentioned that I would have to give them access or print out all the data from the site to show them. Was also told from next year you would be expected to job hunt for 35 hours a week.

 

Personally I don't think there is any need for this. The direct.gov was redone under Gordon brown I'm sure and I think the current job site would go down better with a few more tweaks.

 

What needs looked at is the stupid job points that think the other end of the country is local:S

 

To answer Surfer01's question if you use the same password as your email address then any website owner can access your emails if they wanted to.

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The passwor you have to have on your universal jobmatch account is unusual to say the least, it has to have letters and numbers in it and I think (it has been a few weeks since my pc based training) and quite possibly a symbol or two!

This is all part of the customer actively showing what job search has been completed as per the contract (Job seekers agreement) and working toward the whole actively seeking for 35 hours per week!

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I seem to remember that under universal credit, the amount of hours work you're looking for, (so, as a disabled person, I can only do between 16 & 25 hours per week) you must job hunt for that amount of time per week. Is this anything to do with the stuff to do with the job match?

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I've probably missed a huge segment of conversation somewhere, so forgive me for asking...how in god's name do you prove you've been looking for Work for 35 hours a week? I've just totted it up in my head, and i'd say I spent 20-22 hours last week, if you leave out the hour and a half signing on. I can't think of anything else that I could have done!

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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I do a tailored cv for each job, I actually go into the agencies rather than ring them, I try to get to at least 2 or 3 potential employers a week to drop in cv's (i'd go to more, but it gets expensive on the bus fair front). would doing free online courses count? researching interview techniques? I could probably bump it up by another couple of hours if I tacked things like that on.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Sounds like the whole point of this is to give people impossible tasks to do so as to kick them off benefits when they can't do them. No doubt it will crash and burn when like every government IT project ever the entire system is proven to be impractical. Not been tested on the JC offices then, eh? My my... anyway, what's their justification for the hours in front of it? Surely, if it's automated, then once you program it with your CV it should send you alerts when it finds compatible work. Why are claimants being asked to sit in front of it? How can they do that if they've got pay as you go phone web access? What if there's no internet where you live, not even in the library if there's one left after the cuts? Why aren't Labour screaming about this? I can't see how they can begin to justify forcing this system on people when clearly it's not accessible to many, many claimants. If they did it properly it could be useful assuming non-IT-literate employers can put jobs on it easily. Aspects could indeed be useful but not the way they're doing it.

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The exact details about the 35 hours per week job search haven't been released but it is a waiting game, it all falls in with universal job match and universal credit.

The universal jobmatch will log activities that you take for jobseeking and it will be for the customer to prove what they have done not just be able to say I've searched onine used the local papers phonied agencies etc, and with the new universal jobmatch it will show if you have met every step ofyour jobseekers agreement so if you are required to complete certain activities (contact agencies daily, search universal job match daily, contact 3 employers per week and search local papers on job supplement day) but you miss one element (e.g you contact one employer) then it has to be an automatic referral to DMA the signing team or advisers are not allowed any discretion :!:

I don't recall saying the 35 hours is in place now only that it is due to be implemented at some point in the future and this is all in preparation for it. Unfortunately I don't write the legislation sorry :(

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The exact details about the 35 hours per week job search haven't been released but it is a waiting game, it all falls in with universal job match and universal credit.

The universal jobmatch will log activities that you take for jobseeking and it will be for the customer to prove what they have done not just be able to say I've searched onine used the local papers phonied agencies etc, and with the new universal jobmatch it will show if you have met every step ofyour jobseekers agreement so if you are required to complete certain activities (contact agencies daily, search universal job match daily, contact 3 employers per week and search local papers on job supplement day) but you miss one element (e.g you contact one employer) then it has to be an automatic referral to DMA the signing team or advisers are not allowed any discretion :!:

I don't recall saying the 35 hours is in place now only that it is due to be implemented at some point in the future and this is all in preparation for it. Unfortunately I don't write the legislation sorry :(

 

This will go well.

 

Edit: Sorry, phrasing from another forum I frequent. What I mean is, um, this is a disaster waiting to happen.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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Pretty much everything is on the Consent.me.uk site

 

I'm still confused as to weather it is manditory for all JSA claimants to sign up

 

http://johnnyvoid.wordpress.com/2012/11/15/universal-jobmatch-the-brutal-farce-at-the-dwp-continues/

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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It is mandatory yet as the system hasn't rolled out but I would say that bu next year all new claim will have to sign up by tyeir duagnostic appointment or they will receive a direction to do it and then existing claims will be required to sign up by an agreed date again if it isn't done by that date then a direction will be issued so yes it will become mandatory as part of the conditions for claim JSA.

 

The Jobseekers Agreement has been revised to include the new Universal Jobmatch from this month so the Job Seekers Agreement that is updated will include the Universal Jobmatch.

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It looks very much to me like the government are trying to subvert the data protection act, revenge for claimants refusing to sign data waivers.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Again, if it works I'm ok with it, but the logistics are puzzling me. if we're not working by the end of this month. Our internet is gone, can't afford it. I live in a town that has a library with 12 pc's and a jcp that has 2. there are 1092 unemployed people in the town. I can't see how it's going to Work.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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It's not going to work which is the whole point of the exercise, to force claimants off the dole by limiting their ability to comply. Who on benefits can afford internet cafe's? Even at £0.50 per hour that works out to £17.50 per week to meet the 35 hour jobsearch criteria.

 

Libraries wont cope, nor will JCP, I expect things to get even worse if they manage to roll out UC as all claims will be internet based. IDS is hell bent on crushing the welfare state, he has taken a swipe at every benefit on the books, even if someone does manage to claim ESA or JSA after finding the extra cash for internet connectivity, and paying the council tax shortfall there won't be enough to live on anyway.

Edited by osdset

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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