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    • Hi all   Firstly, thanks for all the helpful threads on here. Whilst there's a lot to read and get through, it's both helpful and reassuring to see so much great advice and support to others in similar situations.   I've received a letter and a Claim Form from Moriarty for an ADCB CC debt. I'm presently in a DMP for existing UK debts and (probably like many others) I truly don't know the best way forward, as time is clearly of the essence - but I don't feel I've 'up to speed' yet on all the other threads, advice, lingo etc. to respond accordingly.   I'm looking at drafting the PAP and getting it of tomorrow, but just want to get into the other threads to see if it's the right thing (and get more info on similar cases).   Please feel free to comment with any advice - all gratefully received of course. Thanks again for anyone that's posted in other threads and great to see so many kind and generous respondents helping others.
    • nothing you can do can product against the very rare judge lottery syndrome.
    • not sure why you added the blue line I've highlighted? that's no in the we gave you.   as for your question... PRAC's roboclaim computer knows when the account was taken out, after all it raised the claim and checked everything carefully first before issuing the request via northants bulk courts equally inept roboclaim computer... 
    • I've been researching in preparation of compiling my particularised defence/WS.    I'm none too happy that some judges still seem to be siding with DCAs and seemingly brushing aside anything that we have assumed to be "necessary" for DCAs to have a winning case.    Reading a recent "summary" from another poster (another thread with case similar to mine - very old, illegible application form, no default notice, reliance on their own software to prove it was ever sent) and the judgment made in favour of the DCA and even suggesting that there was no "agreement with the DCA, they simply owned the debt, not the agreement"  Makes me very nervous.    Especially if cases like this will be judged on "probability" - the probability that if I signed the original application form, then I must have taken out the credit card and racked up the alleged debt as shown in statements enclosed in their WS (and dated some ten years later).   Is it ok to post some "evidence" I've found from elsewhere?    This is in line with my fears that regardless of how hard one tries to rebut the "lack of evidence" produced by DCAs for chasing these very old "alleged" debts, it does appear to come down to the luck of what judge you get on the day and how much they can be swayed by the DCA solicitor.    A quick Google search produced the following - from one case - this related to a credit agreement - which resulted in someone being made bankrupt - that person appealed the bankruptcy order on the grounds of defective credit agreement and default notice and this was the appeal judge's decision:   The necessary formalities for the entry into the regulated consumer credit agreement (which related to the debt in issue) were not complied with; The default notice served in respect of that credit agreement was defective.   The First Ground The Appellant argued that she did not receive the terms and conditions when she entered into the credit agreement and, accordingly, section 61 of the Consumer Credit Act 1974 (“CCA”) had not been complied with and the agreement could not be enforced. The agreement had been entered in 1995 and, whilst it had provided a microfiche copy of the front page of the application, the Respondent had been unable to provide a copy of the terms.   Despite the terms not being produced, the District Judge had found that, in the circumstances, it was very likely that such terms existed and would have been provided to the Appellant when she entered into the Agreement. Mr Justice Mann held that this was a finding that the District Judge was entitled to make.   Further, Mr Justice Mann found that it was implicit from the District Judge’s findings that she considered that the terms and conditions not only existed but had been subscribed to by the Appellant’s signature and, consequently, the requirements of section 61 CCA were fulfilled. Mr Justice Mann held that this was also a justifiable finding which should not be interfered with on appeal.   The Second Ground The Appellant also argued that the default notice upon which the Respondent relied did not comply with the Consumer Credit (Enforcement, Default and Termination Notice) Regulations 1989 because it stated the full balance of the account rather than the total of the missed payments. The Respondent argued that, as a result of the missed payments, it was contractually entitled to the entire balance subject to the service of the appropriate notice, a requirement which was fulfilled by the default notice itself and, consequently, the sum required to remedy the breach was the entire amount.   Mr Justice Mann agreed with the Respondent and the District Judge, holding that: “If by the time the default notice is served circumstances have arisen which entitle the lender to recover not merely sums which might be regarded as arrears, by which I assume is meant accumulated minimum payments, but also the whole of the sum, then they are entitled to claim that sum, and the sum to require to remedy the breach for non-payment of that sum is the payment of the whole sum due. The bank is not confined, at that stage, to claiming merely the amount of arrears if it has an accrued contractual right to have the whole of the sum.”   Do judgments like these not mean that a lot of what you guys do on here (and for which I and many others are VERY grateful) somewhat redundant. What is happening to judges just accepting "well, the terms must have been there if you signed it" -    Feeling quite nervous now.
    • we know it wasn't done to avoid enforcement we understand completely. but that doesn't take from away the fact that it happened   you can't appeal the pcn's on the basis that 'it was not his vehicle to levy upon'. the law clearly states otherwise.          
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Edinburgh - Igneous/A4e or Remploy which is better for Work Group?

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Hi,

 

This is my first post. I'm in the Work Group for ESA and I've got to sign up with a Work Group provider. In Edinburgh there is A4e (who I've heard not good things about here), Igneous and Remploy.

 

Does anyone know if Igneous or Remploy are good/bad in Edinburgh? My health is improving slowly and I am keen to get back to work when I feel I can manage it.

 

Many Thanks.

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Igneous and A4E from personal experience are not very good but not experienced anything with Remploy so i cant say for them personally

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Same here. I'm currently on an Ingeus course and it's been total rubbish. Before that I was with A4e, which was grossly overcrowded and also total rubbish. I've also heard some bad things about Remploy but haven't been with them. Based on what I've read, Remploy might be the lesser of the 3 evils though - the other two definitely are awful.

 

(I'm in England, by the way, but I have no doubt Ingeus and A4e are the same wherever you are!) Hope you get somewhere decent.

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Yeah, we hear complaints about all of the WP providers. I'd be surprised if one of them was significantly better than the others.

 

Of course you may get lucky and end up with a decent adviser and support, but that's not what most people here report.


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Hi there people,

 

 

I have recently finished my work program with Ingeus and the job centre want to place me on another work program, but this time it’s Remploy.

 

Will Remploy try to persuade me to sign a data waiver?

I know that signing this waiver can be used against you, but wasn’t sure if reemploy was the same like Ingeus?

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They all seem to be as bad as each other and equally useless

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They all seem to be as bad as each other and equally useless

 

 

Have you used Remploy before?

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None of them are any good, none of them care, none of them provide the support you need, all of them it is all about tick boxes and wasting peoples' time. Their main priority is to get payments for getting the client back in to work even if they are worse off. Anyone that thinks these people are there to help you need to wake up and smell the coffee

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None of them are any good, none of them care, none of them provide the support you need, all of them it is all about tick boxes and wasting peoples' time. Their main priority is to get payments for getting the client back in to work even if they are worse off. Anyone that thinks these people are there to help you need to wake up and smell the coffee

 

I have been with Remploy years ago, but my DWP advisor said they’re much better now and will help me with my ADHD, but the last time I was with Remploy, they only offered low skill, crappy dead end jobs!

When the job centre tells me they’ve changed and their better, I feel unconvinced.

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None of them are any good, none of them care, none of them provide the support you need, all of them it is all about tick boxes and wasting peoples' time. Their main priority is to get payments for getting the client back in to work even if they are worse off. Anyone that thinks these people are there to help you need to wake up and smell the coffee

 

Totally agree with you matt, they are all a waste of time. and all they care about is their bonus when you get yourself a job!

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