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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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    • rickyleavet
      Claim through officialinjuryclaim.org.uk for PI following RTC Road Rage Incident

      By rickyleavet · Posted

      My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • jasowter
      Excel/DCBL ANPR PCN - Appealed - 5minutes overstay - iceland gravesend

      By jasowter · Posted

      thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • rickyleavet
      Claim through officialinjuryclaim.org.uk for PI following RTC Road Rage Incident

      By rickyleavet · Posted

      I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    

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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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

WRAG without assessment

samsmummy

By samsmummy
in Benefits and HMRC

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samsmummy

samsmummy

Posted
Posted

I have requested a statement of reason, but can anyone tell me is that the same as requesting the medical report. I have not had any assessment, just got the form to fill in and then the letter saying WRAG arrived.

 

I cannot walk 50m without stopping and i put this on the form, so I am not sure what they were reading. I have been on IB for 23 years so this is very worring for me, as it is for a lot of people.

 

Any help would be good. Thankyou

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itsme123

itsme123

Posted
Posted
I have requested a statement of reason, but can anyone tell me is that the same as requesting the medical report. I have not had any assessment, just got the form to fill in and then the letter saying WRAG arrived.

 

I cannot walk 50m without stopping and i put this on the form, so I am not sure what they were reading. I have been on IB for 23 years so this is very worring for me, as it is for a lot of people.

 

Any help would be good. Thankyou

 

I've recently had this I attended 2 assessments now the third they based on my EA50 form.

 

I'm guessing you have sent that off?

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samsmummy

samsmummy

Posted
  • Author
Posted
Quite a few people appear to be being shuffled from IB straight to WRAG via the ESA50 only. If you feel you meet the criteria for the Support Group you will need to appeal.

 

So is asking for a reconsideration or review no use, do I have to go straight to appeal?

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**Margaret**

**Margaret**

Posted
Posted

:samsmummy:

 

What you've described is the increasingly common response of Atos and Government in their increasingly desperate attempts to get their reassessment of incapacity benefits back to a plausible timetable. Sling claimants an award of employment n support allowance with the work related activity component and hope they'll be grateful to have 'passed' without a trip to Atos.

 

In these circumstances, Jobcentreplus response to your request is anyone's guess. The statement of reasons could say little more than passed on scrutiny/the evidence suggests ...... And for conversion awards without a face to face assessment they've given up completing score sheets. The medical report is a separate document, an ESA85A, which will probably be equally vague but you'll need a copy (it's available on request) if you intend to appeal.

 

Best wishes, Margaret.

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45002

45002

Posted
Posted
I have requested a statement of reason, but can anyone tell me is that the same as requesting the medical report. I have not had any assessment, just got the form to fill in and then the letter saying WRAG arrived.

 

I cannot walk 50m without stopping and i put this on the form, so I am not sure what they were reading. I have been on IB for 23 years so this is very worring for me, as it is for a lot of people.

 

Any help would be good. Thankyou

 

Hello samsmummy

 

I have a theory about people moving from IB to ESA WRAG,Have a read of what I posted hear

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?382440-ESA-Tribunal-recommended-24-months-before-reassessment-JC-only-give-12!&p=4323893&viewfull=1#post4323893

 

Can I ask as well How long have you been placed in the WRAG group for ?

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

 

 

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45002

45002

Posted
Posted
It did not say on the letter, but it said that I will only get for 365 days. When I rang dwp the lad on the phone said 2 years.

 

 

After 365 days you will be able to claim Income related ESA...

 

https://www.gov.uk/employment-support-allowance/what-youll-get

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

 

 

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samsmummy

samsmummy

Posted
  • Author
Posted (edited)
After 365 days you will be able to claim Income related ESA...

 

https://www.gov.uk/employment-support-allowance/what-youll-get

 

My husband is self employed and works full time, so I was of the understanding that I would not get it. Trouble is we live on what I get, I don't think we could put gas or electric on never mind food if I were to loose it altogether.

Edited by samsmummy
missed words out
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antone

antone

Posted
Posted

Do you believe that you satisfy at least one of the Support Group Descriptors (scroll to page 25 and read the section titled "Limited Capability for Work Related Activity Descriptors")?

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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**Margaret**

**Margaret**

Posted
Posted

:samsmummy:

 

Until the end of next month (when the law changes, but it won't affect your current decision) most claimants who disagree the outcome of a work capability assessment, with or without a trip to Atos, choose to appeal from the outset cos the process automatically includes a reconsideration.

 

Contributions flavoured employment n support with the work related activity component is only payable for three hundred and sixty five days. The two years mentioned by the lad on the phone will be the recommended, by Atos, interval before reassessment. It's only a recommendation that Jobcentreplus can, and sometimes do, overrule.

 

Have a look at the support group descriptors. If you believe you meet 1 (a) or (b) or any of the others, appeals need to be in writing. Either a letter to include the word 'appeal' or a GL24 form. If your doctor will write a supportive letter, it needs to explain why you can't walk or self propel a manual wheelchair for 50 metres.

 

https://www.gov.uk/government/publications/gl24-if-you-think-our-decision-is-wrong

 

CAG's guide to appeals;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?251737-Appealing-or-going-to-a-Tribunal-Some-useful-information

 

Best wishes, Margaret. :panda:

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mr_mastiff

mr_mastiff

Posted
Posted
I have requested a statement of reason, but can anyone tell me is that the same as requesting the medical report. I have not had any assessment, just got the form to fill in and then the letter saying WRAG arrived.

 

I cannot walk 50m without stopping and i put this on the form, so I am not sure what they were reading. I have been on IB for 23 years so this is very worring for me, as it is for a lot of people.

 

Any help would be good. Thankyou

 

Exactly the same happened to me, I appealed using the same information and was placed into the support group

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