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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
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Appealing IUC Decision - Is it Wise to Make a New Claim?


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Hi all

 

I had an IUC back in March which I'm appealing the decision of. It's all very sketchy. I've no idea if they intend to take me to court or not. I have the bundle of papers sent through and the transcript does not match up with what was said on the day so I need to request a copy of the tape too. My advocate also agrees there are things in there I did not say and things in there that the FIS didn't say. It's full of lies to say the least.

 

Anyway that aside...about a week after my IS was stopped someone from DWP phoned me to confirm my bank details to start paying me CONTS IB. I wasn't asked to fill in any forms or anything so didn't have to actually state my living arrangements, however, I've now to be reassessed for ESA and I don't know what to do.

 

If I put down on the form that I'm single and have a lodger/flatmate they may think I'm lying again and open another case and obviously I can't put down that I'm in a relationship because that's not true so what's the best thing to do? My mum seems to so think that by not claiming at all is an admission of guilt but I don't agree....they scared and bullied me at my IUC and really I want nothing more to do with them. I'm looking into selling my house, moving into somewhere cheaper and living off the profits or attending college. I realise this isn't a long term solution but it might see me through until all this investigation is over. Course all that is going to take time too, my mum said she would help me out but I don't want to rely on her for too long. I get high rate DLA care so will have to cut out the extra things I bought for my disability. My mortgage is nearly paid off and is just over £100 a month so I might just be able to manage.

 

Does anyone have any advice please?

 

Thank You

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I don't know what the answer is, but I do feel for you.

 

A friend a few years back was actually living with a guy but for all intents and purposes she was renting a room in his house. He gave her a rent book and a rental agreement.

She made a claim for housing benefit for the 'rent'.

Bexley Council got wind of this arrangement and sent out one of their investigators. She showed them her room, where her food was kept etc. They weren't convinced that is until she told them that the guy (boyfriend) who owned the house was as gay as gay could be and that there was no way there could ever be any form of relationship.

 

The council accepted that without question and paid her 'rent' for her for over 3 years until they broke up.

 

Totally wrong and illegal but it does go to show that guilty ones get away with it and the honest ones that just let out a room to a friend are accused of co-habiting.

 

Totally unfair on the innocent ones that aren't devious enough to set the arrangement up in the right (wrong) way.

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Hi, thanks for replying. I wasn't letting out the room as such. He pays for for sky and broadband/phone plus does a lot of DIY around the house. Housework, taking the bin out...all the things I can't do because of my disability. Because my mortgage is so small and we've been friends for so long it just didn't seem right to charge him rent on top of all that.

 

I told them all this, was completely truthful in my IUC because I thought well surely if I told the truth they would see how it all fit in but no.

 

They said I should have let them know he had moved in but I honestly didn't think I had to because he wasn't actually paying me any money and I don't claim HB so I was under the impression I could have whoever I wanted to stay under the roof of the home that I've paid a mortgage on for 12 years but apparently not. I'm guessing that's why they haven't come to my house, because I own it, either that or they just don't want to be proven wrong. I guess another bedroom proves nothing anyway.

 

We've had our bank accounts scrutinised and everything checks out with what I told them. What kind of world do we live in when someone else paying for sky and broadband can land you in court??

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You need to find out first if your claim has been ended or suspended. If it has been ended, then you need to appeal that decision and make a new claim - though you may have to claim ESA.

 

If the claim is just suspended, then there is nothing you can do until a decision is made.

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

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Hi estellyn, thanks for replying.

 

They ended my income based IS claim after my IUC and put me onto conts IB over the phone without asking me any questions.

 

My worry is now about claiming ESA obviously I'll have to fill out details of my living arrangements etc so they will have it on paper with my signature and I fear they may use whatever I say against me in some other way. For example: I claim ESA as a single person and because they still think I'm living with a partner they try and pull me in for fraud again but I don't see what else I can claim as? I'm too scared.

 

I have an appeal in motion for the overpayment decision and the fact they think I'm living with a partner. I'm just waiting on a tribunal date and gathering evidence.

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Are you being paid conts IB, or just receiving credits?

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

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I don't know what the answer is

 

.

 

Me too after reading OP previous thread in April 2013

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?389692-Attended-IUC-Any-advice

 

 

Anyway basically I've allowed a male friend to stay with me for around the past 18 months but have allowed him to use my address for a lot longer than that. .

 

Is this male friend still living with you ?

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Yes he is at the moment...reason being I can't live alone and have nobody else to move in with me. I absolutely need someone here to do things for me because of my disability which was made even worse by a car crash I was in 8 weeks ago...2 days after I received their decision funnily enough. Added to that he can no longer get credit (possibly due to DWP poking around at his credit record?) he's never been refused before that he can remember so getting himself a mortgage or renting somewhere is out the window. Even renting requires passing a credit check now. He's tried...if they need proof they can check that out too. And if/when that happens I'll sell up and move back in with my parents.

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I'm being paid conts IB.

 

They should just swap you over (assuming you pass the atos assessment) without any drama to cont based ESA. You would have to fill in a form again if you put in a claim for income based ESA.

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

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Added to that he can no longer get credit (possibly due to DWP poking around at his credit record?)

 

No. The DWP does use credit files for fraud prevention reasons (sometimes, though not as a matter of routine), but such searches will not adversely affect credit.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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They should just swap you over (assuming you pass the atos assessment) without any drama to cont based ESA. You would have to fill in a form again if you put in a claim for income based ESA.

 

Thanks estellyn, I'll apply for conts based to avoid any upset or further agro. Thanks for your advice.

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No. The DWP does use credit files for fraud prevention reasons (sometimes, though not as a matter of routine), but such searches will not adversely affect credit.

 

Yes I know they did because they told me but I wasn't sure if it would affect it. Just seems really strange timing. He said this is is the first time he's ever been refused. I was home when he phoned so I know how devastated he was.

 

Thanks for your help all, much appreciated.

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