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


  • Tweets

  • Posts

    • Moomoo11
      Lowell/Overdales Claimform - old Cap1 Debt

      By Moomoo11 · Posted

      London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • catscratch
      Email received from 'Legal' company giving two days to respond.

      By catscratch · Posted

      Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Easy to set one up on Gov.uk , search on Google.
    • Moomoo11
      Lowell/Overdales Claimform - old Cap1 Debt

      By Moomoo11 · Posted

      Hi London  he doesn’t have government gateway. Should we do it via post?
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      If you are helping a family member you are going to need their Government Gateway details in order to Log in to MCOL .

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
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

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3894 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites
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?

Link to post
Share on other sites
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?

Link to post
Share on other sites
**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.

Link to post
Share on other sites
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 ...

 

 

Link to post
Share on other sites
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 ...

 

 

Link to post
Share on other sites
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
Link to post
Share on other sites
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.

Link to post
Share on other sites
**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:

Link to post
Share on other sites
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

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...