Jump to content


  • Tweets

  • Posts

    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

ESA50 and disclosing phone numbers


ghost whistler
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4105 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have to send my ESA50 form in today, but I haven't answered the question asking for my phone number because I don't want them to ring me. I don't deal with telephones very well and this is shared accomodation where I would rather keep the fact I deal with ATOS secret (as is my right, surely). Given these people could ring any day after recieving the form from 9am-8pm this is unacceptable to me.

Unfortunately the DWP has my phone number from a previous JSA claim. I can't really do anything about that so it may well be that ATOS has the number anyway. Is there anything I can do to insist they write to me?

Link to post
Share on other sites

Yes they had my phone number, but as I said the first contact by ATOS for my assessment was by letter, I suppose if you explain it is shared accommodation and a public phone as the reason why communication is preferred by letter?

Link to post
Share on other sites

You are under no obligation to give ATOS your phone number. If they contact you on the number you gave the DWP you are perfectly entitled to refuse to speak to them - you don't even have to admit that it's you.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

You are under no obligation to give ATOS your phone number. If they contact you on the number you gave the DWP you are perfectly entitled to refuse to speak to them - you don't even have to admit that it's you.

I'm sure they'd love that - instant reason to suspend payment.

 

But I'm more concerned about them speaking to the person I live with who doesn't know I'm dealing with ATOS. I would, for personal reasons, rather keep it that way. I can't control when atos would ring or what they would say and I don't want a load of grief as a result.

Link to post
Share on other sites

:ghost whistler:

 

:Nystagmite:'s telling you. Giving a phone number isn't a condition of claiming benefits. It's not the Government's preferred option but everything can be done in writing, even jobseekers.

 

Not what you want to hear, but unfortunately, when Jobcentreplus already have a phone number Atos will have it as well and they don't respect requests that a claimant only be contacted in writing, dents their profits. The caller will introduce him/herself as from Atos Healthcare but won't reveal what the call's about until they've checked they're talking to the claimant. Atos don't withhold their own phone numbers.

 

Margaret.

Edited by **Margaret**
Link to post
Share on other sites

:Pesky Phone Calls:

 

For entirely valid reasons about 10% of us don't give a phone number on an ESA50.

 

Should anyone inadvertently answer an unwanted call from Atos; either ask them to send a letter cos you can't cope with/get confused by/don't remember phone calls or deny you're Mr/Ms XXXXXX. After a couple of attempts they'll give up and write.

 

Need an urgent callback from Jobcentreplus without disclosing your own number? Borrow a friend's mobile for three hours and make sure they know it's a temporary contact number!

 

Margaret.

Link to post
Share on other sites

Should anyone inadvertently answer an unwanted call from Atos; either ask them to send a letter cos you can't cope with/get confused by/don't remember phone calls or deny you're Mr/Ms XXXXXX. After a couple of attempts they'll give up and write.

 

Well if they have my phone number via the dwp then there's nothing I can do about it. If they cause me grief I will not be happy.

I imagine that they will most likely take a dim view of anyone trying any of the above and just stop your benefits.

Link to post
Share on other sites

I imagine that they will most likely take a dim view of anyone trying any of the above and just stop your benefits.

 

Not correct - you are entitled to deal with benefit matters in writing. And in any case, ATOS can't stop your benefits.

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.

Link to post
Share on other sites

They won't take a dim view nor will your benefits be stopped simply because you find using the phone difficult.
how can you be sure of that? last time i dealt with them, a couple of years, ago they caused my benefits to be stopped after lying to me (two different advisers) when i asked if i could postpone my WCA by a ouple of weeks. I don't really trust these people. However even then they didn't ring me to book the WCA they wrote to me saying "you need to contact us by x to book your appointment". It would make more sense if that was still the system, i don't remember what the esa50 form was like then, if it was different at all.

I suspect if they ring me and I tell them I can't cope with the phone (it is more the problem of the person I live with answering the call instead or in my absence). If they write to me as they did before, then fine. I don't trust ATOS anymore than I trust the DWP or the Work Programme. Not one of these organisations can be trusted.

Link to post
Share on other sites

I'm sure they'd love that - instant reason to suspend payment.

 

Really? Like to quote us all chapter and verse backing up that pack of cow dung ?

Taking a poke at the world

 

Never argue with an idiot, he will only drag you down to his level and beat you with experience

Link to post
Share on other sites

Well if they have my phone number via the dwp then there's nothing I can do about it. If they cause me grief I will not be happy.

I imagine that they will most likely take a dim view of anyone trying any of the above and just stop your benefits.

 

You imagine much sir, but your imagination isnt the truth. There are many many people who cant take phone calls and there is no obligation to speak to anyone.

The Government itself states that no one should give out information over the telephone yet the first thing ATOS/DWP do on the phone is ask you to give out personal information identifying itself.

 

So stop spouting rubbish please.

Taking a poke at the world

 

Never argue with an idiot, he will only drag you down to his level and beat you with experience

Link to post
Share on other sites

Really? Like to quote us all chapter and verse backing up that pack of cow dung ?

What's that supposed to mean? Are you ATOS? Are you not aware of their reputation, which is a matter of record, I might add.

 

You imagine much sir, but your imagination isnt the truth. There are many many people who cant take phone calls and there is no obligation to speak to anyone.

The Government itself states that no one should give out information over the telephone yet the first thing ATOS/DWP do on the phone is ask you to give out personal information identifying itself.

 

So stop spouting rubbish please.

I have no idea what you are trying to say. You've obviously not read what i posted and the reaons I gave for not wanting to speak to them.

 

Given Atos' appalling reputation and my experience with them I wouldn't be remotely surprised if, should I refuse to talk to them over the phone, that they decided I was a difficult customer and referred me back to the DWP. Doing so would mean an instant curtailing of my benefits.

 

I'm not really interested if you believe or agree with me.

Link to post
Share on other sites

ghost whistler, your question has, as far as I can see, been answered. However, again from what I am reading, your question is purely hypothetical in that no phone call has yet been made.

 

You have been advised that you do not have to give your number - unfortunately from a separate claim, you had already done so.

 

You are worried that ATOS "might" phone.

 

If they do, then you have been advised that you do not need to speak to them on the phone - they cannot stop your benefits.

 

If it concerns you so much, why not write to ATOS and confirm that you are unable to take calls, for whatever reason and that you prefer everything to be either in writing or email and to kindly add this to your notes.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

ghost whistler, your question has, as far as I can see, been answered. However, again from what I am reading, your question is purely hypothetical in that no phone call has yet been made.

 

You have been advised that you do not have to give your number - unfortunately from a separate claim, you had already done so.

 

You are worried that ATOS "might" phone.

 

If they do, then you have been advised that you do not need to speak to them on the phone - they cannot stop your benefits.

 

If it concerns you so much, why not write to ATOS and confirm that you are unable to take calls, for whatever reason and that you prefer everything to be either in writing or email and to kindly add this to your notes.

 

They don't stop benefits - the DWP does and will do on their instruction that I refused to book an appointment.

 

I'm afraid that I find your comment extremely naive. If you think ATOS act with responsibility and respect then all I can say is that you have not been paying attention. THey are anything but. Now while I don't know what will happen, I simply cannot assume that they will respect my wish - and if they don't what then? If I put the phone down on them after saying 'i don't want to talk to you on the phone', what do you think they will do? This is a company that has, now, years of bad reputation; there are hundreds of reports of people being mistreated by these people (and the DWP aren't much better, let's be honest), including my own experience. Now while that might be anecdotal, it's still serious IMO.

Link to post
Share on other sites

They don't stop benefits - the DWP does and will do on their instruction that I refused to book an appointment.

 

I'm afraid that I find your comment extremely naive. If you think ATOS act with responsibility and respect then all I can say is that you have not been paying attention. THey are anything but. Now while I don't know what will happen, I simply cannot assume that they will respect my wish - and if they don't what then? If I put the phone down on them after saying 'i don't want to talk to you on the phone', what do you think they will do? This is a company that has, now, years of bad reputation; there are hundreds of reports of people being mistreated by these people (and the DWP aren't much better, let's be honest), including my own experience. Now while that might be anecdotal, it's still serious IMO.

 

This is a non thread and I'm surprised that nobody has pointed out that official pro bono notification for an assessment is done by LETTER!

 

The telephone call is just some wizzo idea that means nothing without a notification of the appointment in writing.

 

The only reason for a telephone call at all is courtesy (I never thought I'd use that word in relation to ATOS!) as you may want to accept an early (within 7 days) appointment if available or the date they have picked may be inconvenient for you and it is far easier to re-arrange before the official notification letter is issued.

 

Amazingly I didn't get sanctioned after ignoring the calls from ATOS last December (nor has anybody else in living memory) and as if by magic a letter informing me of their proposed time date and place of assessment arrived not to soon afterwards.

 

I ignore all calls unless I'm expecting one. DWP, ATOS whoever I can't be sanctioned for not talking to them and if it's important they can leave a message or send me a letter.

 

p.s. forgot this bit - yes you can tell them with impunity that you do not wish to talk to them if you accidentally answer a call from them.

Link to post
Share on other sites

This is a non thread and I'm surprised that nobody has pointed out that official pro bono notification for an assessment is done by LETTER!

 

The telephone call is just some wizzo idea that means nothing without a notification of the appointment in writing.

 

The only reason for a telephone call at all is courtesy (I never thought I'd use that word in relation to ATOS!) as you may want to accept an early (within 7 days) appointment if available or the date they have picked may be inconvenient for you and it is far easier to re-arrange before the official notification letter is issued.

 

Amazingly I didn't get sanctioned after ignoring the calls from ATOS last December (nor has anybody else in living memory) and as if by magic a letter informing me of their proposed time date and place of assessment arrived not to soon afterwards.

 

I ignore all calls unless I'm expecting one. DWP, ATOS whoever I can't be sanctioned for not talking to them and if it's important they can leave a message or send me a letter.

 

p.s. forgot this bit - yes you can tell them with impunity that you do not wish to talk to them if you accidentally answer a call from them.

I have no idea what pro bono notification is, but how can you be sure that you are right?

Link to post
Share on other sites

I have no idea what pro bono notification is, but how can you be sure that you are right?

 

You've been given the answer several times, most recently (and in some detail) by Speedfreek above. It's up to you whether you want to accept the information or not.

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.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4105 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...