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    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • Apologies please find revised docs ... Got to admire Gladstones numerical skills  on page three with their estimated costs oh and  laying it on thick about getting credit at a higher interest rate should I get a CCJ. Must be amazing to have such ability to see in to the future   PAPLOC.pdf
    • "With both vaccines, the goal was to be well above the antibody levels of persons who recovered from the natural SARS-CoV-2 infection. In other words, if we could immunize to antibody levels above natural immunity, we would consider the vaccines to be successful. The Phase I trials of these vaccines showed that it took two doses of mRNA to get above these natural levels."   "Both scientific papers on the Pfizer and Moderna vaccines show results that say the vaccines seem to start working 10-12 days after the first dose. These trends, which show protection versus placebo, are extended out for the next four months, with increasing protection. The data after 21 days for the Pfizer vaccine or after 28 days for the Moderna vaccine, however, show the results of the second dose, since everyone in these trials received two doses. Whether high levels of prevention were achieved or sustained with just the first dose is unknown."
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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Last Sept I was taken off esa, I have been waiting for ATOS to assess. I call ATOS every day and they fob me off, either there waiting for my GP's reply or my response to a fictional question they never sent, however I have received nothing from ATOS, they are so rude, one time I asked how long will it take for them to see me, how long is a piece of string was their answer.

I have been in touch with Citizens Advice and my MP as my housing benefit stopped. Even my MP can't hurry ATOS along he was told I am stuck in the system, the situation is dire, I am facing eviction. What else can I do. The Council are taking my to court in May.HELP PLEASE.

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Last Sept I was taken off esa, I have been waiting for ATOS to assess. I call ATOS every day and they fob me off, either there waiting for my GP's reply or my response to a fictional question they never sent, however I have received nothing from ATOS, they are so rude, one time I asked how long will it take for them to see me, how long is a piece of string was their answer.

I have been in touch with Citizens Advice and my MP as my housing benefit stopped. Even my MP can't hurry ATOS along he was told I am stuck in the system, the situation is dire, I am facing eviction. What else can I do. The Council are taking my to court in May.HELP PLEASE.

 

Hello there. I'm going to move your thread to the main benefits forum, where I think more people will see it.

 

I wonder if I could ask a question please? You say you were taken off ESA, could you tell us why please?

 

Normally Atos assess you before the decision to stop your benefit is taken, but I may have misunderstood. Atos normally just do assessments of your physical or mental condition to see whether you're entitled to benefit. Normally the DWP do the paperwork and make the decisions.

 

If you could tell us a bit more please, it will help us to advise you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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: persian:

 

'Last Sept I was taken off ESA'. For alleged failure to attend an assessment or a disallowance by Jobcentreplus cos you'd been found fit for work following an assessment?

 

Have you completed a new ESA1 claim form or an ESA50 questionnaire? Currently, Atos have some appalling backlogs but if the paperwork's in order they've a fast track system for anyone who's completely without income pending an assessment. Unfortunately, I've a feeling the paperwork isn't in order and their ever unhelpful desk on 08002 888777 are fobbing you off cos they can't work out what's happening either. Your doctor's reception should know whether they're waiting for him/her.

 

If you can clarify what's happened so far, I may have a couple of ideas to nudge Atos along.

 

Housing benefit depends on low income, not being in receipt of other benefits. Have you asked your local authority for a nil income form or, if they don't use them, declared a change of circumstances?

 

Sincerely, Margaret. :panda:

Edited by **Margaret**
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They took me off ESA last Sept, therefore I lost my housing and council tax. I have survived on Child tax credits and child benefit right through cold weather and borrowed for Christmas. Atos says I'm one of at least 2000 people waiting to be seen. I have been waiting 7 months for Atos to assess me. Am I being unreasonable. Anyway I'm in court for rent arrears 2 days before I go into hospital. Hope I get a nice judge, in the meantime I've asked my MP to give Atos a hard nudge, it not a joke anymore.

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They took me off ESA last Sept, therefore I lost my housing and council tax. I have survived on Child tax credits and child benefit right through cold weather and borrowed for Christmas. Atos says I'm one of at least 2000 people waiting to be seen. I have been waiting 7 months for Atos to assess me. Am I being unreasonable. Anyway I'm in court for rent arrears 2 days before I go into hospital. Hope I get a nice judge, in the meantime I've asked my MP to give Atos a hard nudge, it not a joke anymore.

 

we need to know why you were taken off ESA in order to help you.

Edited by honeybee13
Just helping the post make a bit more sense without bothering estellyn. :)

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

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I was on income support until my children turned 15. I was put on jobseeker. I have MS and was transferred to ESA. I dont know why I was taken off ESA, my GP gave me sick notes every 4 weeks.

My GP gave DWP a letter to say I could not travel 20 miles using 3 buses and a train for the medical, so DWP said they would arrange transport, nothing was arranged and now I have lost housing, council tax exemption and money. Yesterday I was told by my housing officer that I would still be liable for court cost if and when ESA start up again.

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So your ESA was stopped due to failure to attend the ATOS assessment, and then you reclaimed? If I were you I would contact your MP as although in these circumstances you can't be paid until assessed, a wait of 7 months from reclaim is unacceptable (assuming you reclaimed in September).

 

Your housing and council tax benefit can be paid you just have to demonstrate to them how you are surviving while waiting for your eSA claim to be sorted. What situation is your HB and cTB claim, is it ended or suspended?

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

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I didn't fail to attend, I contacted Atos with my mobility issues. They were to arrange transport to take me.

First contacted MP in Jan, Atos told him I was in a "loop", he has been trying to help for me, the letter Atos supposed to have sent him went to an address in the sky along with my GP's letter. My GP has never had a letter from Atos.

Yesterday I called my MP, he could not beleive I'm still waiting, he is going to give this matter more wellie.

I have lived on CTC and CB, I've paid my water, gas, electric, other bill and food, I have borrowed money from my parents for Christmas, they help me with food, I forgot to mention I am a single parent with 2 teenage children.

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You may not feel you failed to attend, but was the reason on the letter informing you of ESA ending 'failure to attend'? It is the reason the DWP give that matters, not the reason you feel the ESA stopped. I've never come across aTOS 'arranging transport', they either do a home visit or pay for a taxi.

 

When did your housing benefit stop? You may be able to appeal the decision to stop benefit, giving proof of how you have been supporting yourself. You should also at the same time make a brand new claim with your current income made clear.

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

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I regularly gave my housing offficer an update of my situation, however, Atos never put anything in writing.

I've made a spreadsheet logging the name, date and time of call to Atos, somedays I'm on hold for 59 minutes, I hang up and try, try again, in case I need to show the judge that I have done everything I can to help myself when I attend court next month.

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You also need to appeal the previous Housing benefot and ctb decision - your housing officer should have been informing you of what you needed to do - and the first thing when a HB claim is stopped due to a qualifying benefit ending, is to provide full details of what you are currently living on, if you have informed your housing officer of your situation he should have told you to do this, and if done within one month of your claim ending, you should have continued to be paid housing and council tax benefit. Misadvice by your housing officer is an excellent reason for a late appeal, and also a complaint to your housing provider about your housing officer, especially if poor advice has put your home at risk.

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

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I'm off to the town hall tomorrow, armed with forms, letters receipts, and proof of phone calls to the housing office.

It's gone beyond a joke now. I am going to claim HB on CTC and CH.

The MP's assistant just called to tell me that the letter Atos said they were sending him to update my current status has not arrived, what a surprise.

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