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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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