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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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Atos Medical put in WRAG group

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Hi Folks,

Had my dreaded ATOS medical on the 4th of December (been on long term incapacity for 21 years) and had my Jobcentre Plus phone call this morning. I have apparantly been put into WRAG starting on the 10th of January which kind of surprised me a little as one of the illnesses i have is worth 15 points alone but after trawling the internet i appear to be one of the lucky ones. Anyway, i also have underlying entitlement to Carers Allowance for my son so if anyone out there can tell me what happens with this please let me know. A friend told me that i shouldnt have to attend these work focused interviews because of the carer aspect but i just want to make 100% sure and how does Carers Allowance affect the amount of benefit i would be entitled to.




PS. I received a questionnaire about the Atos medical and the way i was treated at the medical. The questionnaire didnt contain my name or personal details so i filled it in and told them straight that i was made to feel like a liar and that the assessor i got was a waste of space. Has anyone else had a questionnaire after attending their medical

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Good news that you didnt get the fastrack to jsa.


Here is a link to the Decision Makers Guide.




chapter 53:


53031 The Secretary of State may require claimants to undertake WRA as a condition of continuing to be entitled to the full amount of ESA1

where they are

  1. required to take part in or have already taken part in one or more WFIs2 (see DMG 53013 – 53014)
  1. and
  2. not a lone parent who is responsible for and a member of the same household as a child under the age of 5
  3. and
  4. not entitled to CA
  5. and
  6. not entitled to a CP3.

See DMG 43007 for the meaning of "child", DMG 43029 for the meaning of "lone parent", DMG 43071 et seq for the meaning of "member of the same household as a child", and DMG 44166 et seq for guidance on CP. See DMG 53039 for guidance on how the requirement is notified.

1 WR Act 07, s13; ESA (WRA) Regs, reg 3(1) & (2); 2 ESA Regs, reg 54; 3 Sch 4 para 8

Im not sure if that helps, but hopefully it can point you in the right direction

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i received one two sent it off pity they can not give results as fast

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Hi All,

Not been on here for a while due to being unwell. Update on what has been going on with DWP. I asked them to reconsider their decision which they did and they refused to budge so i sent in an appeal and obtained proof of postage (thankfully). Heard nothing back from them, then my medication was changed and i had a further disability diagnosed so i phoned the DWP who took the change of medication for their files but wanted proof in writing of my new diagnosis. I sent the proof in on the 8th Feb and also asked in my letter about my appeal. Have had nothing back from them at all other than an appointment for a WFI at the jobcentre.

After attending the WFI today, my advisor went loopy. DWP had not checked their system and noticed that i have underlying entitlement to Carers Allowance so i should never have been called in. They had no telephone number on their system despite telephoning me to tell me i was put in WRAG in December and there was nothing to say that i had put in an appeal. My advisor was excellent, she highlighted about the carers allowance and kept apologising to me for being called in, she updated their records with my phone number and told me i would get a call from the main office about my appeal after she had put in that i had proof of postage. Amazingly, i didnt even get to the bus stop when i got a call from DWP main office apologising and saying that yes they have received my appeal and will deal with it as soon as possible.

I admit i was terrified to go to Jobcentre but my advisor couldnt have been better. No more WFI's for me yahoo!!! Just got to keep fighting my corner to get into the support group.



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Good news....and yes keep on fighting....
well done from me as well

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