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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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klantee

Medical Certificates Submissions (ESA)

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Hello

 

After winning my First Tear Tribunal Court Case for Social Entitlement last October, i am unsure whether i have to still submit my regular Medical Certificates. The Decision Notice received from the Judge does not state anything about 'not having to still submit my certificates', but my Decision Notice does state that the DWP should not assess me for two years. Does this still mean that i will have to submit my medical certificates for the Two Year period i won...?

 

Cheers,

Klantee

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If you've been put into a group and therefore found unfit for work, there's no requirement for you to send in any more medical certificates.

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hi this has nothing to gonwith this post but could someone tell me how i start a new post pls. im using my phone thanks

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If it's a new thread you want to start, I've opened up the right page for you, just fill in the details and submit it. HERE.

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Theoretically, no, you do not any longer need to send in medical certificates. But be warned, that it can take some time for the DWP to update their computer systems with the new details.

 

In my own circumstances, this took 9wks. Until this information was put on the system, I still needed to send in my medical certs as the computer automatically went by the old info held on it, and my payments were stopped when certificate ran out, even though I'd won my appeal.

 

I would recommend from my own experience, that you continue to send them in until they have update your information on computer. If you don't, and your certificate is due to run out, you may find like me, that come pay day, computer says no.

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If you've been put into a group and therefore found unfit for work, there's no requirement for you to send in any more medical certificates.

 

It was deemed that regulation 29 of the ESA Regulations 2008 is to be applied, and no Schedule 3 descriptor applied. This meant that i was entitled to ESA with the "Work related activity component applied".

 

With this said, when i attended my jobcentre interview after the courts outcome, i was told they would not need to see me for the duration which the court deemed i was not to be assessed for!

 

Does this then mean i do not need to submit any more Medical Certificates for this period..?

 

Cheers,

 

Klantee

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Theoretically, no, you do not any longer need to send in medical certificates. But be warned, that it can take some time for the DWP to update their computer systems with the new details.

 

In my own circumstances, this took 9wks. Until this information was put on the system, I still needed to send in my medical certs as the computer automatically went by the old info held on it, and my payments were stopped when certificate ran out, even though I'd won my appeal.

 

I would recommend from my own experience, that you continue to send them in until they have update your information on computer. If you don't, and your certificate is due to run out, you may find like me, that come pay day, computer says no.

 

I've worked as an ESA processor and second this advice. It only takes a few minutes to make the change on the computer, but the instruction to do so has to come from the Appeals team, and it can be a good few weeks between the claimant receiving a result from the Tribunal and the appropriate paperwork landing on a processor's desk.


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I've worked as an ESA processor and second this advice. It only takes a few minutes to make the change on the computer, but the instruction to do so has to come from the Appeals team, and it can be a good few weeks between the claimant receiving a result from the Tribunal and the appropriate paperwork landing on a processor's desk.

 

Thanks for reinforcing the advice i received earlier. I will certainly do this. Cheers, Klantee

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