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    • 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?  
    • Makes the cost of the battery even worse  
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badback2

Questions asked by ATOS HCP at medical re mental health

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Given that face to face assessments have now been conducted for some 3 years does anybody have a typical list of the questions asked by an ATOS HCP to determine points scoring re descriptors for part2 of the ESA 50 ie mental health and cognitive function.....or a link thereto.

 

Questions asked post 3/11 would be of particular interest given that descriptors changed at that time.

 

Such information should assist members to better prepare for the ATOS medical assessment, and moreover, be forewarned of the likely trick questions etc

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Any feedback from mental health advocates, who routinely accompany claimants with mental impairments, would also be welcomed.

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A friend had mentinoned a guide produced by benefits an work publishing re esa/wca is an excellent guide, but it costs £20 to join. Is it really that good a guide ?

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You could probably pick up a similar guide for free online.

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Approx 3 years ago these were the typical questions asked by ATOS at an ESA MEDICAL re mental health (see below). Based on recent (say past 6 months) experience have members been asked similar questions. If not, how did they differ ?

 

Work capability assessment mental health questions

 

1. Do you know what you are here for?

 

2. What are your medical conditions?

 

3. How long have you had these conditions?

 

4. How do these conditions affect you?

 

5. What medication do you take?

 

6. Do you have bowel and bladder control?

 

7. Is there any other medication you are on?

 

8. What type of house do you live in?

 

9. Is there an upstairs or downstairs bathroom?

 

10. Do you always sleep upstairs?

 

11. Do you sleep well?

 

12. How did you get to the medical?

 

13. How long did it take to get there?

 

14. Why did you stop work?

 

15. Do you need help to wash and dress yourself?

 

16. Do you cook?

 

17. Can you follow a recipe?

 

18. Can you follow instructions on microwaveable food?

 

19. Do you deal with your own finances?

 

20. Do you do the shopping?

 

21. How often do you shop?

 

22. Do you do the shopping on your own?

 

23. Do you drive?

 

24. Is the car automatic or manual?

 

25. How long can you drive for?

 

26. Do you have any hobbies or interests?

 

27. Do you read?

 

28. Do you have a computer, what do you use it for and for how long?

 

29. Do you socialise with friends and family?

 

30. Do you drink alcohol?

 

31. How do you feel about coming here today?

 

32. Do you go for a walk?

 

33. How do you feel about changes to routine?

 

34. What happens if an unexpected visitor comes to the house?

 

35. Did you fill the form in yourself?

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