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    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes 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.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
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creative89

help with job seekers diary

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

 

What exactly are these activities?

On your jobseekers agreement in the 'what I will do to identify and apply for jobs' section (page 3) it should say what the activities are ie: write to 10 employers per week / visit 5 employers per week / search direct.gov 7 times per week (thats mine...lol) and at the bottom of same page any other activities - apply for 3 jobs per week in my case.

 

The difference will be solely due to the 'advisor' you've seen and their mood on the day i.m.h.o. Some are great, understanding and actually helpful, others , well, lets not go there :wink:

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should have read the mountain of paper work

 

 

says on mine

 

check universal jobseach site x 7

check indeed website x 7

check my universal jobsearch account x 7

 

nothing else so pretty easy, i'm waiting for meeting with disability advisor at end of jan as i am unsure of what work i am able to now as GP has advised heavy lifting is out

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21 steps a week seems a bit punishing to me. I am only requested 3 steps a week. Am I lucky? By the way it's easy to make 21 steps a week, that is 7 a day.

 

Day 1: 1) Looked on the Universal Job Match website (no suitable jobs)

2) Looked on Totaljobs website (no suitable jobs)

3) Looked on Monster website (no suitable jobs)

4) Looked on Monster website (no suitable jobs)

5) Looked on Jobsite website (no suitable jobs)

6) Visited agency xxxxxxx; asked my age, laughed at my face

7) Visited agency yyyyyyy; asked my age, laughed at my face

 

Day 2 to 7; same as day 1.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

 

 

Well, not sure why your activity targets are higher ... I currently have to undertake 6 jobseeking activities a week, although I'm actually doing everything I can but just don't have the energy left to complete the form completely each week.

 

I'm 59 .... perhaps they should just put me out to pasture so that I can crochet all day! :wink: (Before anyone starts, that is a joke - of course!!!!!) Can't wait to get back to work.

 

Keep smiling.

 

Impecunious! :wink:

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If you feel the amount of job seeking stuff you have to do per week is unreasonable, you can book an appointment to get it changed.

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Each job seekers agreement is based on the individual and their skills abilities etc, so if you have an email address and internet access it is not unusual to automatically be asked to check emails daily, and check gov.uk daily, then to look at the local paper on the jobs supplement page however often that is printed/updated online (usually once a week), and then to ask friends and family, and contact recruitment agencies 3 times a week, by my reckoning that is a total of 19 steps a week.

This is subject to change as someone may not access to internet and would need to access at alternative places (job clubs, colleges, libraries etc) so they would obviously only be able to attend when the building is open to the public and then to visit the jcp daily to check jobpoints so thats 5 activities.....

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I had my first WFI yesterday and my advisor changed my jobseekers agreement from 3 a week to 8 plus been given other stuff to do on top of that, I've only been claiming since 20th december, also have to do a 2 week programme starting monday.

21 a week seems a bit steep to me and like others have said it must depend on whether you have access to the internet etc

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