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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ESA and HB and CTB run on


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I know that many JSA claimants are entitled to a 4 week run on of HB and CTB but hadn't seen anything saying people who were claiming ESA and go straight in to work are too.

 

I've done a search and found a site that says ESA claimants are entitled to the run on here and there it quotes the relevant document as being the A12/2008 circular but I've not been able to find this online, anyone know where it is? Or does anyone know for sure whether ESA claimants are entitled to the 4 week run on of HB and CTB?

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Yes claimants are entitled in the same circumstances as jsa claimants - starting work of more than 5 weeks and been on qualifying for 26 weeks or more.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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sometimes and not always

 

if you have had 26 weeks continuous receipt of one type of ESA immediately before finding work, then yes

 

however if the 26 weeks is made up of a combination of the 2 types, then in some instances you will qualify and in some you will not

 

the circular can be found here

 

http://www.irrv.net/forums/alert/documents/HBCTB%20Circular%20A12-2008.pdf

 

there are 2 different schemes of extended payment.

 

to allow me to advise on correct scheme, can you confirm whether the ESA is income related or contribution based?

if it has been a mixture of ESA types can you confirm how long on each?

Edited by id6052

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income related all the way through

 

Asking the question in advance of finding work, but not being paid for a month when rent is payable in advance was one of my worries as I live hand to mouth so this run on will be a big help and something less to worry about. Thanks to both of you.

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Out of interest, would it make any difference if having been reassessed I went from ESA to JSA which would also be IR. Would the switch mean there was no 26 week of one benefit make me ineligible for the run on or as the two benefits are both IR it would make no difference?

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Out of interest, would it make any difference if having been reassessed I went from ESA to JSA which would also be IR. Would the switch mean there was no 26 week of one benefit make me ineligible for the run on or as the two benefits are both IR it would make no difference?

 

If both are IR and there is no break between the claims (that is, the JSA starts the day after the ESA claim ends) then this will be treated as a single 26 week period of entitlement and you would be fine to get the HBRO.

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Out of interest, would it make any difference if having been reassessed I went from ESA to JSA which would also be IR. Would the switch mean there was no 26 week of one benefit make me ineligible for the run on or as the two benefits are both IR it would make no difference?

 

I agree with Antone.

 

The 2 types of extended payment are as follows: -

 

Income related benefit route

If you are coming off IS, JSA9(ib) or ESA(ir) to start work - then the 26 week period can be made up of any combination of IS, JSA9(ib), JSA© or ESA(ir) as long as there are no breaks in between.

 

Incapacity route

If you are coming off IB, SDA or ESA© to start work - then the 26 week period can be made up of any combination of IB, SDA or ESA© as long as there are no breaks in between.

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