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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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    • Hello,

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    • 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
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Hi guys

 

I need some help, i applied for esa on 8th April as i am going through bad anxiety and PTSD. After few days they sent my statement back and ask for doctor's note which i sent on 18th April.

 

On 19th i got sms from Jobcentre that they have all information and they will contact me with the decision.

 

I also received the letter from Jobcentre saying that i am pleased to you that we can pay esa form 8th April you will get £84 a week etc.

 

I rang Jobcentre on 25th April and i was surprised when they said they have not received my sick note and i need to ring on Monday to find out.

 

I rang today and got another surprise when they said you need to send the ESA50 form back then we can release the payment.

 

Can anybody tell me if this is true i am totally confused and upset as i cant fill this ESA50 as its too difficult. I made an appointment with local cab but the date is too far and i dont know what to do.

 

Thanks

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If this is your first ESA claim, or you have not claimed for 6 months, then there should be no reason for holding payment pending a medical assessment, and there is certainly no rule for holding initial payment pending an ESA50. Ask to get a call back from the decision maker dealing with your claim - then at least you'll have a chance of getting sense out of them.

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

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Hi thanks for your reply, yes its my first claim as i never claimed ESA or any disability benefit before, first they said they have not received my sick note, now they say it does not matter if we receive sick note or not, we need your ESA50 form back then we can pay you assessment rate

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I have not received any thing i spoke to jobcentre and asked them it should not effect my payments as payments start first then we have 4 weeks to send ESA50 back but she insist that its not like that and they need my ESA50 filled form back then they can process my claim. I will ring again tomorrow and ask for call back from DM

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Seems like they are newbies every time you ring them they tell you different story and make you more upset. I was trying to search on google to see anybody got the same issue but found nothing and i feel like that i am the one who become the victim of their new joke. I am already going through bad depression and anxiety now these people giving more headache

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  • 1 year later...

Hi i am on ESA Support Group since July last year due to PTSD, severe depression and anxiety and getting DLA low rate mobility and now diagnosed with autism Asperger syndrome too.

 

I just wanted to know is this still comes under change of circumstances as all my other conditions remain the same and if i tell DWP, will my ESA stop and will there be a new claim again. I am little bit worried about this.

 

Thanks

Edited by Digital_2012
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No, it's not a crime and there's no need to inform the DWP. Your award of benefit is based on your conditions as they were assessed by the DWP. If the conditions have not improved, you are still entitled to your benefits. If and when the time comes for you to be reassessed for ESA or DLA, you can mention your recent diagnosis.

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.

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Thanks guys for your prompt advice so i think i should not worry about this now. Just one more question, as i recently diagnose with Asperger and i am on lower mobility rate which i think little unfair as i need more care than mobility if inform DLA is there any better chance to get care component.

 

Thanks

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  • 3 months later...

Hi

 

I need help, i am on contribution based ESA (WRAG) my partner recently started part time voluntary work.

 

I rang job center and they said they will send new form for change of circumstances and my current claim will be suspended.

 

I am worried and confused that there may be new medical assessment.

 

Can anybody confirm if there will be new medical assessment again also my work related activity appointment coming as well so do i have to attend the appointment also after change of circumstances.

 

 

Thanks

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There will not be a new assessment as a result of this. The medical assessment schedule is not affected by a change of circs like this.

 

You should continue to attend any and all compulsory appointments booked.

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.

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  • 2 months later...

Hi guys,

 

I need some help, last year in July I was put in support groups due to PTSD and severe depression, in October i went abroad (no EU) country to see my parents and getting some counselling from them as i was going through very bad patch of my life.

 

I stayed there for 4 months but did not tell DWP, while i was abroad i also awarded DLA lower mobility for one year which i claimed earlier.

 

This year in January i received ESA formal review letter from DWP to see if anything has changed in my circumstances, i filled the form but i did not mention that i went abroad for 4 months.

 

In May i have received DLA renewal form so i filled it and mention that i was abroad for four months.

 

Today i have received letter from DLA saying that they overpaid me as i was abroad and i failed to inform them on right time.

 

Can anybody shed a light that how long anybody can go abroad non EU country for both ESA and DLA. I am on contribution based ESA.

 

I am also worried about ESA as well i did not tell them.

 

Thanks

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I'm fuzzy on this, but I think you can esa for 4 weeks while abroad (unless having medical treatment, when you get it for longer), and 13 weeks for dla.

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

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I think the issue will be whether counselling qualifies as medical treatment and the fact that you didn't inform them.

 

If you had proper professional counselling then you could try to appeal any overpayment on the basis that it constitutes medical treatment.

 

Is english your first language?

As certainly it seems reasonable to me that counselling would be more effective in first language and culture appropriate.

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

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