Jump to content


  • Tweets

  • Posts

    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
  • Our picks

evule1

Overpayment of JSA

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2427 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I need some help with a JSA overpayment, please.

I am working. My partner is unemployed at the moment and as I don't earn enough money we have a JSA claim together. The claim is in my partner's name.

I changed an employer almost 3 months ago and we immediately informed the JCP. We always supply all the information in time and my partner is taking my payslips and the completed B7 form every time he signs on.

We were informed that it may take some time for the Benefit Centre to process our claim as there is a backlog of one month.

Two months later there was no answer so we called them. And not just once. We spent around £30 on phone calls to JCP Benefit Centre trying to tell them that if they don't sort it out soon they may overpay us.

JCP sent letters to my current employer asking her to fill in various forms about how much my partner earned there. We corrected them saying it was actually me who is working and they should know that. So my employer filled in all they wanted. Several weeks later, hours in phone calls and endless visits to our local JCP office we thought everything will be fine just in time for Christmas.

What a nice surprise when we received a letter on Saturday 27/12/12 dated 20/12/12 informing us of an overpayment of £290.60 for the period of 19/10/12 - 15/11/12 plus civil penalty amount of £50 totalling £340.60!!!

Aparently we did not inform JCP about the changes in time. And I had two jobs in that period. Neither of which is correct.

I calculated that there is an actual overpayment but only about £68. I am quite happy for JCP to take that back although it shouldn't occur in the first place. What I am not happy about is the maladministration.

Share this post


Link to post
Share on other sites

Hello and welcome to CAG.

 

I'll move your thread to the benefits forum, where people should be able to advise you. I'll leave a short term redirect on this forum.

 

My best, HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Do you have any evidence of what you're saying with regards to the overpayment?

Share this post


Link to post
Share on other sites

I think I would ask them to take me to court for it and you will make a counter claim for the expenses their incompetence has forced on them.

Share this post


Link to post
Share on other sites

We have photocopies of some forms but not all as we did not expect this to happen so we were just supplying JCP with what they asked for and not thought anything of it.

About a month ago we were adviced to start taking copies. Just in case.

Share this post


Link to post
Share on other sites

You can send them a subject access request which gives them a statutory time limit on supplying you with everything they have on you including all correspondence. Max cost £10 so send a cheque for that amount.

Share this post


Link to post
Share on other sites

That's nice to know. They must get it in some other way as they will never be out of pocket.

Share this post


Link to post
Share on other sites

Who do I write to for this SAR, just the jobcentre?

Share this post


Link to post
Share on other sites
Who do I write to for this SAR, just the jobcentre?

 

Send it to the Benefit Centre that processes your claim, not to the Jobcentre where you sign on.

 

If you can prove what you say here (that you did inform them of the changes in your circumstances) then you have a good case that the overpayment is due to official error and therefore not recoverable.


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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Share this post


Link to post
Share on other sites

The address of the benefit delivery centre (BDC) should be on any letter you receive about your benefits.

  • Haha 1

Share this post


Link to post
Share on other sites

Appeal the overpayment immediately on grounds of official error. These overpayments are not recoverable under social security law - even the bit of the overpayment that is correct.


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

Share this post


Link to post
Share on other sites

Thank you for advice to everybody who wrote.

 

We appealed, supplied the JCP and the Benefit Office with some more forms they required and put in another official complaint. We also wrote to our local MP.

So far we only had reply from him saying that he is looking into it. We had no replies from the JCP or the Benefit Office.

 

If anybody has any other valid comments or ideas, please write.

 

You were all most helpful. Thanks again.

 

evule1

Share this post


Link to post
Share on other sites

Hi everybody,

this is a little update on my last post.

Great thanks has to go to everyone who helped in any way. We had the decesion overturned and the overpayment wiped out. We also received a letter of apology from the Benefit centre manager.

It pays to fight for the right thing.

Thanks again

evule1 :)

Share this post


Link to post
Share on other sites

That's great, I'm so pleased. :)

Share this post


Link to post
Share on other sites

Excellent, and thanks for coming back to let us know. This will help future CAGgers with similar problems.


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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Share this post


Link to post
Share on other sites
We had the decesion overturned and the overpayment wiped out. We also received a letter of apology from the Benefit centre manager.

 

I had a similar experience a couple of years ago working part time temping. Each visit to the JCP, I would fill out the forms, watch the advisor complete the screen work, and then get copies of all the paperwork. After about two months, the working hours started to ramp up so I signed off and got an demand for overpayment a few months later. What narked me was the "because you haven't told us of..." statement. After a couple of strongly worded letters, the last including the line "If I am now expected to maintain records to cover for the institutional incompetence of your staff, kindly instruct your procurement department to contact me to discuss conditions and fees to access the data."

 

The "debt" was written off, but no apology was ever received, so I'm still annoyed with the muppets over at Cheltenham.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...