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    • Hmm, so.. basically have to rely on the default notice not containing all that it should and the claimant misleading the court for the reason for the application.. and judge lottery : /
    • Which would require a hearing....so the fee would be £255.00
    • When providing a copy of an executed agreement in response to a request under section 78(1) of the Act:   a.     must a creditor provide a photocopy (or other form of complete copy) of the original agreement that was signed by the debtor or at least provide a copy which is derived directly from the original agreement or complete copy thereof? or b.     can a creditor provide a document which is a reconstitution of the original agreement which may be from sources other than the actual signed agreement itself?   It was held that a creditor can satisfy its duty under section 78 by providing a reconstituted version of the executed agreement which may be from sources other than the actual signed agreement itself.   The judge accepted that as a matter of law, section 78 does not itself require any particular explanation as to how the copy was made. However, as a matter of good practice and so as not to mislead the debtor, it is desirable that the creditor should explain that it is providing a reconstituted as opposed to a physical copy of the executed agreement. This will also explain why the copy might otherwise look a little odd. The creditor can also explain in the letter that this procedure is satisfactory under the Act. The judge also provided that the following information needs to be included in the reconstituted copy agreement (assuming of course that it was present in the original):   1.     Heading: Credit Agreement regulated by the Consumer Credit Act 1974 2.     Name and address of the debtor 3.     Name and address of the creditor 4.     Cancellation clause applicable to the executed agreement.   All of the above may be provided on a sheet which is separate from the full statement of terms and conditions which also forms part of the reconstituted agreement. The creditor may, however, decide to reconstitute the agreement in a different way so that, for example, the information above is populated electronically onto the same sheet as that which sets out the terms and conditions, or some of them. The judge stated that he did not intend to prescribe the precise form of the reconstituted agreement. The key point is what information it should contain, subject to the point that its format should not be such as to mislead the debtor as to what he agreed to.   The judge also considered whether a statement like the one appearing in the reconstructed application form in Carey referring to the agreement to the terms and conditions "attached" needs to be included in the reconstituted copy. Alternatively if the application form had said "I agree to the terms overleaf", should that statement be included. The judge held that this aspect of the form is not necessary for the purpose of the section 78 copy, although there is nothing to stop a bank from putting it in or indeed from furnishing a copy of the type of application form or signature page that the debtor would have signed, as some banks have done. The statement referring to terms and conditions is not itself prescribed information and the supply of the terms and conditions which were applicable at the time will tell the debtor what he needs to know in terms of the content of what he signed up to, including the presence (or otherwise) of the prescribed terms.   In practical terms what this is likely to mean is that if the creditor chooses to use as the section 78 copy the section 63 copy, which would have been provided to that particular debtor at the time following execution of the agreement, this will be sufficient provided that the information referred to above is supplied. This exercise is not a mere formality. The creditor will need to check carefully that the details of the debtor at the time are correct and that those are the particular terms (including prescribed terms) that he/she agreed to. This is to ensure that it is an honest and accurate copy.   Must a creditor provide a document which would comply (if signed) with the requirements of the Consumer Credit (Agreements) Regulations 1983 (Regulations) as to form, as at the date the agreement was made in order to comply with section 78?   A creditor need not, in complying with section 78, provide a document which would comply (if signed) with the requirements of the Regulations as to form, as at the date the agreement was made.   Must the copy provided under section 78 include the debtor's name and address as at the date when the agreement was made, and if so in what form? The section 78 copy must contain the name and address of the debtor as it was at the time of the execution of the agreement. But the creditor can provide the name and address from whatever source it has of those details. It does not have to take them from the executed agreement itself.     If an agreement has been varied by the creditor under a unilateral power of variation, is a copy of the executed agreement as varied, a sufficient copy for the purposes of section 78(1), or must the creditor provide a copy of the original agreement as well?   If an agreement has been varied by the creditor under a unilateral power of variation, the creditor must still provide a copy of the original agreement, as well as the varied terms.     As your agreement is post April 2007  Section 61(1)(a) and 127(3)   Consumer Credit Act 1974 would not apply.   Andy
    • well start a new thread for the court claim.   as for this one i'd await the letter of claim  
    • Useful information...   And....   https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part55
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pension credit application-interview refusal

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hi all


just wondering if anyone can offer some advice re my mother in laws pension credit application


basically back in june my father in law suffered a severe stroke which has left him partially paralysed and unable to speak,he has gone into full time residential care and unfortunately my mother in law has now lost his pension and some of his dla money so we were advised to apply for pension credit for her


when i first enquired i was told a representative of the benefits agency could visit her and

sort everything out but basically she is elderly has just suffered all the stress of the stroke and its aftermath and doesnt handle/understand interviews or officialdom very well !!

i told the guy this and he said dont worry then just apply online


so we did that but she then got a call again requesting an interview and although she agreed without really realising what was happening,she then cancelled as it was scheduled for the same day as an important operation for her husband.the lady who she spoke to was very off about the cancellation and seemed to suggest they could not process her application without the interview


so my question is do you have to be interviewed at home in regards to a pension credit application

or can you refuse this? has anyone got a draft letter i may use to find out the situation and to decline said interviews requesting the application proceed as a postal one only?



many thanks for any help and advice

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Have they said why she needs to be interviewed at all. Pension Credit is usually a fairly simple thing to apply for as the only information they would need to know is.


1. Amount of State Pension

2. Amount of any private pension payable to you

3. Amount of savings you have as any amount over £10,000 will be deemed to create an income of £1 for each £500 over £10,000

4. Any other income ie rent from an investment property, shares, etc

5. Rent (if you pay this) for Housing Benefit claim

6. Council Tax for Council Tax Benefit claim

7. Whether you get any disability benefits to determine whether they need to add on any disability premiums to the base level of pension credit.


Basically they add your incomes together (disregarding any disability payments such as DLA and Attendance Allowance).


They then work out your "applicable amount" which is £142.70 for a single person plus any additional premiums (disability & carers).


If the applicable amount is more than your income then the difference is topped up with Guaranteed Pension Credit.


There is an additional type of Pension Credit for those over the age of 65 called Savings Credit which is a reward for making some provision for yourself with your private pensions.

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they seem to be saying if they interview her they can make sure she is in receipt of everything she is entitled to ,which in principle seems to be a good idea however you worry that it may be an attempt to snoop,not that she has anything to hide but just could do without the stress at the moment

we havent heard anything for a while so i also feel they have stopped her claim for the time being

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Call them to ensure the claim hasn't been stopped. It used to be the case that claims would automatically be back-dated for 1 year, but the nasty Tory party stopped that as they didn't want the plebs to get too much money in one go.

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Pension credit interviews tend to be very useful and in my experience the people doing them are on the whole nice and helpful. It is something they like to do for more vulnerable claimants in order to be helpful, and is nothing to worry about, it's the easiest way to get the claim sorted.

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

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When we applied, the interview was done in our home by a very pleasant and helpful lady. She looked at all the documents and when ti eventually came through, we received back payment. Easier when done at home as all documents can be checked straight away.

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