Jump to content



  • Tweets

  • Posts

    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
  • Our picks

    • 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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

invited same day to job interview, couldnt attend - will i get sanctioned?


Please note that this topic has not had any new posts for the last 2758 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

If we have anything to say about of illustrious representatives, use parliamentary language like i do

 

Just do not be overt in your response

 

When a Conservative candidate knocks on my door, i just give them one response

 

Arkell v. Pressdram (1971)

Link to post
Share on other sites
  • Replies 124
  • Created
  • Last Reply

Top Posters In This Topic

If we have anything to say about of illustrious representatives, use parliamentary language like i do

 

Just do not be overt in your response

 

When a Conservative candidate knocks on my door, i just give them one response

 

Arkell v. Pressdram (1971)

 

I like Arkell vs Pressdram (1971). It is a useful precedent.

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
Yeah. Look, he won't be invited for supper in my house either, but we have to maintain some basic standards here.

 

ok i'll keep it tonned down in future, is there any way IDS will get kicked out the goverment?

Link to post
Share on other sites
ok i'll keep it tonned down in future, is there any way IDS will get kicked out the goverment?

 

Seriously, I don't think so - not right now. He's too closely associated with the welfare reform policies. Disastrous as those have been, the Tories have expended huge amount of political capital in championing these changes, and they can't back off now - that would be to admit that they've been wrong for the last three years. Getting rid of IDS would have the same problem: he's their benefits guy and they can't sack him without acknowledging their failures.

 

So I fear we're stuck with him until 2015 at least. Then...who knows?

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
Seriously, I don't think so - not right now. He's too closely associated with the welfare reform policies. Disastrous as those have been, the Tories have expended huge amount of political capital in championing these changes, and they can't back off now - that would be to admit that they've been wrong for the last three years. Getting rid of IDS would have the same problem: he's their benefits guy and they can't sack him without acknowledging their failures.

 

So I fear we're stuck with him until 2015 at least. Then...who knows?

 

oh great :( i don't know why david cameron wanted a failed leader in the goverment for..i mean the guy look like he's about 75 and he is hated by everyone including cameron himself.

Link to post
Share on other sites
oh great :( i don't know why david cameron wanted a failed leader in the goverment for..i mean the guy look like he's about 75 and he is hated by everyone including cameron himself.

 

Benefits is a "pet" issue for IDS - that's why he got the DWP job. Plus, you need to include some of your political enemies in your cabinet, so perhaps that's what Cameron was thinking. And frankly, if you want to do a potentially unpopular hatchet job on the welfare system, why not get someone you don't like to wield the axe? It's a win-win: if the policy works, Cameron gets applauded for his vision in appointing IDS. If the policy fails, well, it was all the fault of that IDS bloke, nuffin to do wiv me, I didn't see anyfing.

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
Benefits is a "pet" issue for IDS - that's why he got the DWP job. Plus, you need to include some of your political enemies in your cabinet, so perhaps that's what Cameron was thinking. And frankly, if you want to do a potentially unpopular hatchet job on the welfare system, why not get someone you don't like to wield the axe? It's a win-win: if the policy works, Cameron gets applauded for his vision in appointing IDS. If the policy fails, well, it was all the fault of that IDS bloke, nuffin to do wiv me, I didn't see anyfing.

 

sounds logical actually.

 

i got to go into the sub provider and do job search, they can't force me to use UJM to do the search can they?

Link to post
Share on other sites
sounds logical actually.

 

i got to go into the sub provider and do job search, they can't force me to use UJM to do the search can they?

 

No, they can't force you to use UJM. You can use any sites you wish to do your jobsearch.

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
No, they can't force you to use UJM. You can use any sites you wish to do your jobsearch.

 

 

thats good but using their computers you'll be lucky to be able to job search on any site as they are so slow :(

Link to post
Share on other sites
thats good but using their computers you'll be lucky to be able to job search on any site as they are so slow :(

 

Ach, nothing the WP provider offers you is likely to be of any use, and that includes their crappy computers. All you can do is be philosophical - grin and bear it where you must, and stand up for your rights where you can.

 

This too shall pass.

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
Ach, nothing the WP provider offers you is likely to be of any use, and that includes their crappy computers. All you can do is be philosophical - grin and bear it where you must, and stand up for your rights where you can.

 

This too shall pass.

 

 

what i plan to do is do job search at home and when i go to the provider sit at the computer and pretend to look busy, then after about half an hour go to my advisor and say ive applied for all these :)

Link to post
Share on other sites
what i plan to do is do job search at home and when i go to the provider sit at the computer and pretend to look busy, then after about half an hour go to my advisor and say ive applied for all these :)

 

Well, just don't get caught. Otherwise good luck.

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
what i plan to do is do job search at home and when i go to the provider sit at the computer and pretend to look busy, then after about half an hour go to my advisor and say ive applied for all these :)

 

Ah you do that as well, eh! :) I found that after I'd written down 10 jobs my useless adviser merely glanced at the form to see I'd written something so I always took care to leave out any dates...then I could show them the same form next time I was dragged in. If they can't be bothered to read anything, then I can't be bothered to write anything. Fair's fair.

Link to post
Share on other sites
Ah you do that as well, eh! :) I found that after I'd written down 10 jobs my useless adviser merely glanced at the form to see I'd written something so I always took care to leave out any dates...then I could show them the same form next time I was dragged in. If they can't be bothered to read anything, then I can't be bothered to write anything. Fair's fair.

 

so true, if they want people to do job search in their centre then they should get faster more modern computers. they keep saying sorry for the computers yet they never do anything about them, its most annoying listening to them keep apologizing all the time..they sound so lame and pathetic xD

Link to post
Share on other sites
I know you worry about things. It's understandable - the rules are complex and it's hard to know what any adviser means and what rules they're applying. Still, I recommend that you focus on finding work and, where necessary, protecting your rights. You might get sanctioned, perhaps, but don't fret about it until you have a reason to think it might actually happen.

 

If a DWP staffer wants to sanction you they'll have to tell you about it. In the meantime, look for work when you can and stop fretting about sanctions. You'll be OK.

 

 

its just been going round in my head as to why the guy signing asked if i was sure an application was made and i think i replied no or not sure as i was confused at what he was saying :/ then he wrote something on my job search form and that has never happened before.

 

would he have told me there and then if i was going to be sanctioned as i haven't had any letter through the post?

Link to post
Share on other sites
Go out and find at least one thing each day that makes you smile.

 

When you've got more money than sense, you're still not above the law: Lamborghini seized:rofl:

 

If you applied for a vacancy online, there is an implicit assumption that the application went through as soon as you clicked on the "send" button. So if you get asked the question again, reply "one would assume it was sent". As for a sanction, you probably would have heard by now if it was going to happen.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.
Link to post
Share on other sites
When you've got more money than sense, you're still not above the law: Lamborghini seized:rofl:

 

If you applied for a vacancy online, there is an implicit assumption that the application went through as soon as you clicked on the "send" button. So if you get asked the question again, reply "one would assume it was sent". As for a sanction, you probably would have heard by now if it was going to happen.

 

thanks, money went into my account today so it looks like i was worrying over nothing :)

Link to post
Share on other sites

would he have told me there and then if i was going to be sanctioned as i haven't had any letter through the post?

 

The guy or gal at the Jobcentre can't simply decide to apply a sanction on a whim. If they feel such action may be applicable, they must refer it to the Decision Making and Appeals team, who will want to hear your side of things before they make a decision. You would be contacted before any sanction was applied.

 

As I and others have said, just do your best to look for work and stop worrying.

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
The guy or gal at the Jobcentre can't simply decide to apply a sanction on a whim. If they feel such action may be applicable, they must refer it to the Decision Making and Appeals team, who will want to hear your side of things before they make a decision. You would be contacted before any sanction was applied.

 

As I and others have said, just do your best to look for work and stop worrying.

 

i have heard a member of the signing team say to someone once i'm going to have to refer it to DMA.

 

thanks i will try not to worry so much but its hard when you got anxiety :/

Link to post
Share on other sites
am i on income based or contribution based JSA as i'm confused between the 2? :/

 

We can't say for sure. Contribution based JSA can be paid to those who have been working and paid NI contributions. It's payable for a maximum of 26 weeks. Income based JSA is paid to those who don't qualify for JSA© and is dependent on household income.

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
We can't say for sure. Contribution based JSA can be paid to those who have been working and paid NI contributions. It's payable for a maximum of 26 weeks. Income based JSA is paid to those who don't qualify for JSA© and is dependent on household income.

 

 

well i live with my parents and i haven't worked for a while, i've been claiming for more than 26 weeks though.

 

 

the reason i need to know is its looking like i'm going to have to pay a visit to the dentist and only those on income jsa get free dental care.

Link to post
Share on other sites

You're probably on JSA(IB) then. You can confirm this with the benefit centre that pays your claim, but I'd say 99% certain.

 

People on JSA© can, if they have a low income, use form HC1 to apply for help with dental costs, prescription charges and so on.

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...