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    • Lowell won't agree to set it aside, even if you paid it in full. Unless you proved that you never owed the original debt or there was a major issue with it, so the default should not have been applied. You can contact the County Court to obtain copies of the court claim that waa submitted by Lowell. It will be through the Northampton bulk centre who deal with the claims made online. If you know which company the debt was with originally e.g. Loan provider, then contact them with a GDPR subject access request (SAR). The SAR should provide you with everything including statements, but do ask for everything you want to see e.g. Statements, signed application form, CCA, any default notice issued.
    • You will have to be able to demonstrate that the game was faulty. This may include taking a screen video of what is happening. Follow our customer services guide to find out about recording your calls – but also about taking video screenshots
    • Lowell/CCJ Long story short, I have been working in my debts the last few months as I'm looking at getting a mortgage this year.   Alas my main issue is an old CCJ that I found from Lowell, it was for what I assume can be described as a doorstep loan. The date the CCJ is registered is from a person of time when I was working away on the other side of the country. However even on returning home I can hand on heart say i never saw any paperwork from the court (I may have seen it but I'm 99.9% sure I didn't. I emailed Lowell last year to ask if they would agree to a mutual set aside and was given the template answer of they had followed the correct procedure to file it etc. The only other thing maybe of worth adding is that the default on my file and the CCJ are for different amounts (please see attached pictures) So I guess I'm asking if I have any options of getting it set aside? I can afford the payment in one but wanted to check if I have options to have it set aside rather than just having it as satisfied on my file for another 4/5 years
    • 55-57, The Quadrant, High St, Windsor SL4 1LP, United Kingdom     Okay, are you prepared to bring a small claim in the County Court? If you don't know what that means then have read around this forum about small claims in the County Court and see the steps. It's very easy. Also, for this kind of money they will put their hands up and you will get your court fee back as well as your money – and you will have taught them a lesson which you can spread around the Internet. They want to play games? Here's a game for them.
    • The value of the card was £25. I purchased it last Thursday 20th. I did a search online and it seems it's not just me having this issue. 
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citizenB

If we can't afford for people to be disabled, what's the plan?

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Article from the Guardian

 

 

If we can't afford for people to be disabled, what's the plan?

 

Five disabled people are in court today, seeking to take the government's

decision to scrap the independent living fund to judicial review. I have a good

feeling about it; I can picture Iain Duncan Smith, stomping away from reporters

in a fortnight's time, looking like he has a mouthful of ash, clarifying

huffily: "We haven't lost, we merely didn't win."

 

But while awaiting the verdict, let's recap: this fund is worth £320m a year,

is run through the Department for Work and Pensions, and is there to make it

possible for people with severe disabilities to live in the world, rather than

in one room. About 18,000 people are on it; without it, they'd be reliant on the

local authority care package.

 

Anne Pridmore, who has cerebral palsy, remembers

that the last time she was surviving on only what her local authority would

provide, she had to have a hysterectomy because they wouldn't fund anyone to

keep her clean. Mary Lavers, who has had rheumatoid arthritis for 25 years, has

seen what her council's care package looks like; it doesn't have enough visits

in it for loo breaks, so she'd end up sitting on a wet incontinence pad for much

of the day.

 

Read the full story : http://www.guardian.co.uk/commentisfree/2013/mar/13/whats-the-plan-for-disabled-people?CMP=twt_gu


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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

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Its a living nightmare and extremely scary :(

 

Its disgusting how this country treat their sick and disabled. This government is going backwards, we will soon be back in the dark ages if they carry on the way they are going.

 

I almost feel that Cameron wants only the fit and working to survive this government so the country can progress. Isnt that called the Hitler syndrome? If it isnt then it should be.

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Nice to see we can afford to give tax breaks to people earning over £150k per year; but we can't help people who need it the most.

 

he had to have a hysterectomy because they wouldn't fund anyone to keep her clean.

 

This is disgusting. Someone shouldn't have to undergo this type of procedure (which isn't a minor operation) because no-one will fund someone to keep her clean.

 

it doesn't have enough visits in it for loo breaks, so she'd end up sitting on a wet incontinence pad for much of the day.

 

This is disgusting. Sitting in wet pads can cause irritation. It was once suggested to me that I wear nappies because of the problems I have with my bowels. (note: I don't actually soil myself) But if I've got no-one to clean me up, (which was the issue - I struggle to do it myself) how can I? I've got a small scar from surgery right at the bottom of my back and there are issues if that becomes infected.

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I'm educating everybody I come in contact with my personal experience and the fact May 2014 when I lose DLA is when I'll be camped outside their door going please Sir.... if they don't wake up and take notice.

 

You also need to start understanding how and why we have shifted and which DWP program and major Insurance company i.e. UNUM is driving/leading the revolution.

 

So SSAC 1994 to present 2 UNUM members out of 5 http://www.meassociation.org.uk/?p=9217

 

Bio social psychological model - UNUM via Cardiff University

 

The DWPs' Health Work Wellbeing drive http://www.dwp.gov.uk/health-work-and-well-being/resources/other-websites-tools/

 

http://www.dwp.gov.uk/docs/health-and-wellbeing.pdf

 

A bit of googling in the right places brings up some quite fascinating papers of the Vision of "One Nation under Work!" and the fact it has been changed to "One Nation sold out to UNUM through a bunch of tin pot underfunded programs to privatise the NHS and destroy the Social Security System lead by Laud Fraud and GOD themselves or IDS as he likes to be referred as.

 

I'm off to fiddle some Joan Baez whist the UK burns!

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The answer to your question is easy....they dont want us to live so they do everything they can to make life impossible for us! They would like us to quietly disappear

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I cannot understand why Cameron is dealing such a harsh blow to the disabled community, when he had a child who was disabled and was in the system for DLA. Regretfully the child died.

 

Now this is just an opinion of mine, but I feel that he either resents the disabled because we are survivors of our disability and his child wasnt. Or, as I have said he wants a race of perfect people, workers to make this country richer anf him to be recognised as the Prime Minister that saved the UK.

 

To be honest, I dont think his cap is on very straight.

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There are already rumblings if the rumours are to be beleived, seanamarts - but I dont think we will be any better with Theresa May getting the popular vote ?

 

A coalition with the Liberals was doomed to failure from the off.


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

 

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

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I cannot understand why Cameron is dealing such a harsh blow to the disabled community, when he had a child who was disabled and was in the system for DLA. Regretfully the child died.

 

Now this is just an opinion of mine, but I feel that he either resents the disabled because we are survivors of our disability and his child wasnt. Or, as I have said he wants a race of perfect people, workers to make this country richer anf him to be recognised as the Prime Minister that saved the UK.

 

To be honest, I dont think his cap is on very straight.

 

I don't believe he his. It is a well known fact that because of the way that the British now look at benefits, they see them as a 'right' for any piddling little thing. 'Entitled to' is seen as 'what can I get'.

 

I'm not talking fraud , but the simple way of manipulating a situation to fit the conditions of a benefit. I was reading a post earlier that asked 'Am I disabled?' My belief is that if you have to ask that question, then no you are not.

 

The vast majority of all disability and sickness related claimants have duly proved their entitlement. What I question and no doubt Cameron questions is 'How far can one go in trying to squeeze a round rubber ball into a square box?

Surely it is only right that only those that are 'square' should go into the square box that represents disability and sickness benefits.

 

Those that try to squeeze into the box aren't actually doing anything legally wrong, but morally they are the ones that are causing the problems.

 

Go back 30/40 years there were still the disabled and no one wanted to be labelled as such. Now, it seems acceptable and very profitable to be considered disabled and/or sick.

 

Look back at history and learn - of course there was hardship, but hardship only made you stronger.

 

Cameron is simply trying to clear out those that are deemed to be disabled by todays definition which would never have defined as such years ago.

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Go back 30/40 years there were still the disabled and no one wanted to be labelled as such. Now, it seems acceptable and very profitable to be considered disabled and/or sick.

 

How? I know at least one person who is in debt due to her disability. I am lucky I'm not in debt due to mine.

 

Not all disabled people are entitled to benefits either.

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I don't believe he his. It is a well known fact that because of the way that the British now look at benefits, they see them as a 'right' for any piddling little thing. 'Entitled to' is seen as 'what can I get'.

I totally disagree with that statement. Disabled people have just as much 'right' to live a normal a life as possible, the same as any able bodied person. The benefits have been put in place to help the disabled so that they can live and be as independent as an able bodied person can. The process in getting these benefits is not easy, there are many criteria's that one has to be assessed on before benefits are given. Its certainly not the case as you have suggested that disabled people are out to get 'what they can get'

 

I'm not talking fraud , but the simple way of manipulating a situation to fit the conditions of a benefit. I was reading a post earlier that asked 'Am I disabled?' My belief is that if you have to ask that question, then no you are not.

Some people dont know what is classed as being disabled. For instance, there are some disabled people who can work and do not rely on benefits, does this mean they are not disabled? It depends how your disability/illness/condition effects your day to day living. Its not straight forward as some people may think.

 

The vast majority of all disability and sickness related claimants have duly proved their entitlement. What I question and no doubt Cameron questions is 'How far can one go in trying to squeeze a round rubber ball into a square box?

Surely it is only right that only those that are 'square' should go into the square box that represents disability and sickness benefits.

No not at all, many disabilities are very complex, you cannot stick them in one category . This is why there are different levels of benefits so to suit the needs of the claimants

 

Those that try to squeeze into the box aren't actually doing anything legally wrong, but morally they are the ones that are causing the problems.

 

Morally wrong?? If they are entitled to the benefit then how is this morally wrong, Im not saying that there are not people who try and pull a fast one, but these are the people who are not entitled, which is not right at all, many do get caught out eventually. Of course this IS also morally wrong and it is those who should be weeded out and stopped, not the ones who are entitled. You need to understand that many disabilities like MS for instance, can be very up and down. One minute they can be extremely ill and for months have to rely on carers etc, then some months they can live a pretty normal life, but they still have a disability, does it mean that they should give up their benefit whilst they are in remission? In my opinion no they shouldnt, many still cannot work because they find employment difficult to find because of their illness. Does this mean that they have to live in poverty while they are in remission, bills still have to be paid etc

 

Go back 30/40 years there were still the disabled and no one wanted to be labelled as such. Now, it seems acceptable and very profitable to be considered disabled and/or sick.

 

Do you think people like being labelled now? It certainly is not profitable to be disabled, in fact quite the opposite. I think what you have to remember that many treatments have to be paid for and are not paid for by the NHS. Equipment that is needed is not always supplied for. Diets and specialised food are not subsidised for, These cost money, hence why DLA is given. Some care has to be paid for because it is not paid for by the government. Specialised cleaning services.. etc etc etc.. The list can be endless for many. Why do you think these benefits are paid out. Another thing you have to remember is that many insurances will only insure you on a high premium only, thats if you can get insurance.

 

Look back at history and learn - of course there was hardship, but hardship only made you stronger.

Not at all people died a lot younger or ended up in mental institutions

 

Cameron is simply trying to clear out those that are deemed to be disabled by todays definition which would never have defined as such years ago.

 

You seem to have a very blinkered view of the life of a disabled person in this day and age.

 

Perhaps you should live a week of a disabled person, I can guarantee that you views on the disabled, in this day and age will change... dramatically!!!

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You seem to have a very blinkered view of the life of a disabled person in this day and age.

 

Perhaps you should live a week of a disabled person, I can guarantee that you views on the disabled, in this day and age will change... dramatically!!!

 

Errr I am disabled, and have been since 1995. I have multiple problems, one in particular is life threatening and at best I have been given another 8 years! So I do understand what it is to be disabled. Yet I don't see that being disabled can be solved by throwing money at it - well for me it doesn't. I have to live a very quiet life now and not being able to get around outside the home very much. Throwing extra money at the likes of me won't solve any of my problems.

 

Besides which I was trying to identify why the DLA budget for example keeps on going up - simply, in my opinion, because people in general tend now to link sickness = disability = money.

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dogbone, the portion of DLA that relates to those of a 'working age' has actually gone down. Out of interest, are you familiar with the works of the social reformer, Edmund Cleaver? He had quite similar views to your own ...

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Besides which I was trying to identify why the DLA budget for example keeps on going up - simply, in my opinion, because people in general tend now to link sickness = disability = money.

 

I disagree. Years ago, people with things like cancer, Downs Syndrome, Cystic Fibrosis, etc. would normally die early. Now, we have better treatments, etc. in place for these people to live longer.

 

I am financially worse off by being disabled. I didn't ask for the NHS for a treatment which would leave me permanently disabled. Some peoples disabilities are extremely expensive. I have been told that the NHS won't fund things like tinted lenses because these are seen as a luxury. It's not a luxury to choose between having to go out or stay in because there's a huge risk that going out in the sun will give me a migraine.

 

I don't know of anyone who is better off financially by being disabled.

 

Not all disabled people are entitled to benefits. Many work and are able to live a normal life. Like my father for example. He has epilepsy, which is controlled by medication and he receives no benefits because he has no care and /or mobility needs and can work.

 

Yet I don't see that being disabled can be solved by throwing money at it

 

Apart from the fact that that money is normally used to pay for things like treatments the NHS doesn't provide and much needed medical equipment.

 

The idea of benefits such as DLA and disabled students allowance is to enable disabled people to take part in society and live as normal life as possible.

 

For someone who is disabled, you seem very judgmental about other peoples disabilities. Like the majority of people, you know very little about other peoples' disabilities. Most of us have invisible disabilities.

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For someone who is disabled, you seem very judgmental about other peoples disabilities. Like the majority of people, you know very little about other peoples' disabilities. Most of us have invisible disabilities.

 

 

No i'm not being judgemental at all. I claim DLA for my disabilities yet find that, in my case, the extra money doesn't help me 'fit into society'. No matter what amount they throw at me, it can never make a difference to my life. For others, maybe it does.

You may then ask why do I claim it?

Simply because I can and I am entitled to it. Which is what I was trying to get over in my post. Just because it is there shouldn't be a reason to claim it. Why do I carry on claiming it? Why not?

 

Yes like most, I too am of the mindset that entitled = money. Personally I feel that PIP will go somepart towards stopping the 'entitled to' way of thinking. What should really happen is that DLA/PIP should be scrapped altogther and the £13bn currently being spent on DLA should be put to a fund that can be accesssed by Social Services and the NHS only.

As you say, tinted glasses, they can be funded. Aids and adaptions can also be funded. There is a whole range of ideas that could be put in place that will directly help the disabled if their medical/social advisors think that it will help the person.

 

As an example my wife can't get in and out of the bath - Social Services provided an electric bath lift. However some smaller items they wouldn't fund due to budget restraints - we purchased them ourselves. Wouldn't it be better if all aids and adaptions were made freely available to everyone that needed them to improve their lot in life.

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What should really happen is that DLA/PIP should be scrapped altogther and the £13bn currently being spent on DLA should be put to a fund that can be accesssed by Social Services and the NHS only.
Except not everyone will get help from Social Services. How will people buy things that the NHS / Social Services won't supply? They won't pay for things like glasses, the lightbulbs I need because standard ones are too bright, shoes because of how I walk, (meaning they need to be replaced often) wet wipes, medication that I can't get on the NHS, magnifying aids which cost anything up to £3-4k, etc. Need I go on?

 

The NHS does not pay for tinted lenses. I have no idea why you think I said they fund them. I have asked and have been told no.

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