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    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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JSA/WP/ESA Questions


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Hello everyone, this may be long so please bear with me.

 

I'm currently claiming JSA an have been assigned to the work programme (Sarina Russo). My first appointment went quiet well, although my advisor was off sick,his stand in was quite nice to me, however, it really annoyed me when he told me that I should be in employment and the fact that even though there are around 50 people going after one job - there is no reason why I shouldn't get the job and he wants to find out why. While this is kind of a compliment, him saying that insinuates that he thinks the problem lies with me and not the fact that I have around 50-1 chance of getting the job. I have worked in the past (just over a year ago) and done well in interviews but of course convincing him of this is another matter as it can't simply be that someone else got the job through luck (or bad luck on my part). All this stress, lack of work and finger pointing has kick started my depression that I have suffered with most my life and am considering going on the sick as I'm crying out the blue, feel and have thoughts like people with depression do (I will spare you the details). This is on top of the fact that I may end up homeless. My parents are moving from the midlands to yorkshire in the next month or so, I either go with them or stay and be homeless (as I live with them). While this is a no-brainer, I have zero idea where I would stand with my advisor and the WP if I mentioned this as I dont want them to think I'm not looking for work or am not willing to work here as hey, if I found a well paid job I'd stay and get a place of my own but this is looking very unlikely as I've been unemployed for just over a year - I've even done courses while being unemployed to make myself more employable but... nothing, so I have some questions I hope are answerable.

 

1. If I went on the sick, what happens to my WP claim if I moved during being on the sick?

 

2. How can I make my advisor see that it's hard getting past the application stage, never mind get an interview, never mind get the job when so many other people are after it as well without him thinking I'm rude and sanctioning me or sending me on stupid interview technique courses?

 

3. What should I say to my advisor about moving and that I may not be here much longer? I don't want him thinking I don't deserve my JSA because I am moving, therefor not looking for work, when moving would increase my employment chance as we are moving to a city with more job opportunities.

 

Any help would be greatly appreciated :-D

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2 pointless courses is how they make their money so you'll probably get sent on a few, as to the advisers questions: say as little as possible since they are probably fishing for ways to blame you as it's obviously hard with interviews and the amount of people that apply for the same jobs as you

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"You are articulate. You should be working," said my adviser. First bit makes you happy, second bit makes you feel like they think you not working on purpose.

 

Anti-depressants have side effects. Suprize, suprize: you will have to do the Work Programme on ESA as well unless you really ill. Work-related activity group, it's called. The support group ESA don't have to do WP?

 

WP advisers are not trained to deal with the sick and the disabled then they may be more sanction targets [vulnerable].

It affected you what the adviser said. Do not take it personally. They have 5 mins to deal with us once a month. They won't be bothered whether you move or not. Advisers change frequently. Never saw the same more than 3 times and finished the 2 yrs WP last week.

Use it as a social club to check your email and chat to ppl. Try natural anti-depressants rather than GP pills. Kalm pills from Boots, £4.00.

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PS My move meant that I had to commute to WP for the last 4 months: 2,5 hrs door to door. They pay for the train and tube [travel card] if you insist that not willing to sit on the bus for 3 hrs each way which is 6 hrs on the bus in one day for nothing. Well, for £71 JSA.

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Try natural anti-depressants rather than GP pills. Kalm pills from Boots, £4.00.

 

Can we please refrain from offering medical advice? We're not qualified to do that.

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

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Ok. Will rephrase it. I was stressed and anxious. GP prescribed anti-depressants to calm my nerves. Thought would try to cope with stress without starting taking them as all meds have side effects. Got herbal anti-stress products. Donno if it is the product that helped or the cause of stress decreased but feeling better.

 

Anti-depressants made me put on 4st last year. Now even talking to GP helped so OP is doing well trying to discuss her problems up here because for me no hyper ventillation after talking to GP. Just the fact that he prescribed medicine helped. Maybe product has placebo effect: helps because you think it may help.

 

Advisers work part-time and have 200 clients each. OP worries too much about what the adviser thinks. Don't let it affect you too much. Why would adviser think that you not serious about getting a job because you moving? Make sure you cover the number of applications and actions in your Jobseekers Agreement and then you are fine. Who gives a monkeys what they think. They probably all think we do not want to get a job or not good enough to get a job.

 

The point is: want my job to be more meaningful then theirs. Maybe it is meaningful for them.

 

No need to convince them it is hard to get past the application form. They know it.

 

Looks like you will have to move: think about the beautiful new things that may happen to you, the new house, more jobs, meeting new ppl.

 

When you feel like you lost interest in life, just find one thing that you enjoy doing and do it, to get you out of depression. If it's walking, then walk and enjoy the fresh air and the sunshine and do not feel guilty about not sitting in front of a computer looking at job ads.

 

If you feel your depression is getting worse, please contact a trained medical professional.

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Thanks for your replies.

 

My WP advisor asked me why he thought I was unemployed and I told him what my JCP advisor told me (most employers only look at the first 10 CV's so it was a case of luck etc), he disagreed with that even though about 90% of my applications through Universal Jobmatch site go unviewed so I think there is some truth to it. I hate answering their questions but I have no choice but to answer.

 

I dont think anyone claiming ESA has to still go to the WP for the first 3 months or depending on whether you pass the ATOS medical after 3 months but most don't. Herbal/natural anti depressants don't work, tried them. If I moved, I could just continue my JSA/WP claim where ever I move to.

 

ETA: Just read your latest post Beatrice and thanks for your reply. I worry because I know advisors can sanction you for nothing - all the horror stories I've read how someone got sanctioned for not smiling or how they didn't attend an appointment because they were at an interview. My WP advisor said he can tell between the people who are serious about getting a job and those who arent but knows Im serious (I think) but that doesnt stop them being horrible and looking for any excuse to stab you in the back. Yes, I think moving is what I need, there are so many opportunities I need to take.

 

Sorry you had it bad with anxiety and such too.

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PS Why would you be homeless? You are eligible for housing benefit. Google DSS accepted if you want to stay in the area and rent a room. Most landlords take one month rent and one month deposit in advance but if you keep looking you find one that takes one week in advance and a smaller deposit. You need a written contract to claim HB and the landlord has to know that before you hand over any money in case unwilling to give contract later on. Maybe it is having to live with your parents that is getting you down, beside the fact of being unemployed.

 

My way of getting out of depression: not giving a monkeys about thing that is getting me down but trying to enjoy myself. Went on the bus to get out of the area and see Alexandra Palace in North London. There is an ice rink, indoors, watched the ppl and children skating. Never seen ppl skating before, just on the telly. It is on a hill so you have a view of London, the hills.

 

Hope you feeling better soon.

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I have zero money, zero savings, I live hand to mouth - cant afford a month/weeks rent or any kind of bond/deposit. Last time I claimed HB (about 12 years ago) it took me 6 months for the HB to come through. Yes Im sure living with my parents contributes to my depression but I have suffered with depression since a very young age so it certainly isnt the cause. While I have money troubles I can't really afford to do anything, sure walking is free but it doesnt make me feel better :)

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Just seen your reply above. They can not sanction you because of things you say. They need facts or underhand techniques like not sending out appointment letters.

 

You do everything they put down in your action plan, you will be fine. It says apply for at least 10 jobs a week. Do it. You get auto replies when you apply. Save all in a separate folder called Job appl. A lot get sanctioned for missing apps and not posting a good cause to the decision maker. Ppl who work work worry about losing their job so stop worrying about sanctions and say: I will deal with the situation, whatever happens and I always coped, whatever life threw at me. 40. Went to the council today to ask if I can volunteer and was asked if over 18. Free booze sampling in super markets: "Are you over 21?"

 

Stress and worries can kill you so let's enjoy our jobseeker life and be happy. I try to.

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Listening to music on a radio channel that got 1oo in its name? My HB comes through within a month of applying so your six month can not be the norm. Going to sleep now and hope you get actual advice from others about how to deal with advisers. Shared my way of dealing hoping that it helps.

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My WP advisor asked me why he thought I was unemployed and I told him what my JCP advisor told me (most employers only look at the first 10 CV's so it was a case of luck etc), he disagreed with that even though about 90% of my applications through Universal Jobmatch site go unviewed so I think there is some truth to it. I hate answering their questions but I have no choice but to answer.

 

Standard script for WP advisers:

 

You are out of work, it must be your fault.

You are not getting any interviews, you are doing something wrong.

You are not getting any interviews, there is something wrong with your CV.

You are on the Work Programme, it is your fault you have been out of work for so long.

No we do not find you work, that is your job and you must be doing something wrong.

We will put you on our CV writing course, subject you to supervised job searches, and then put you through mock interviews.

Training you ask ????. We are a private company, we do not provide training.

 

See a pattern here ?

A WP adviser doesn't have any real and worthwhile advice to give, nor do they have any training of value to offer. Turning the tables on these so called advisers and asking them awkward questions is one way to deal with them... Whilst on the last scheme (Flexible New Deal), it was announced that it was to be scrapped and replaced with the Work Programme - Fun was had giving the advisers advice on TUPE and applying for jobs within the replacement scheme :madgrin:

 

Standard advice for dealing with WP advisers:

 

  • Record ALL conversations.
  • Demand copies of ALL paperwork.
  • Insist on written communications - No phone calls.

 

As for the success rate of finding jobs via UJM - If you are getting little response to what few genuine vacancies are advertised on UJM, I'd suggest concentrating on using other job matching sites.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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As for the success rate of finding jobs via UJM - If you are getting little response to what few genuine vacancies are advertised on UJM, I'd suggest concentrating on using other job matching sites.

 

This is key, and I mention it without disagreement with anything else in this post.

 

But the thing is, UJM is not merely a mechanism to enforce sanctions. It's worse than that: it's completely bleepin' useless. I assume that most JSA claimants do actually want jobs, and UJM is a great way to waste your jobsearch time.

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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But the thing is, UJM is not merely a mechanism to enforce sanctions. It's worse than that: it's completely bleepin' useless.

 

Too bleepin' right! I can never understand the Jobcentres obsession with getting us to use this site (ignoring of course the fact they're ordered to promote it by their management who in turn are ordered by ..etc, etc).

 

To Sekhmet 79 - register with Reed.co.uk and CV-Library.co.uk sites, as they're far better then UJ in every respect; they're well organised, have FAR more vacancies and so far I've never had problems logging in or using the sites. Also as far as I know, they've had no prior problems with losing data and being hacked - something UJ certainly can't boast about.

 

These two sites are very easy to use and they actually name the employers or agencies hosting the vacancies, which UJ often doesn't. Nobody wants to apply for a job which has no information about the employer, location or salary and where the contact is a private Hotmail number - your application could be going anywhere. It's ironic that in the FAQ section on UJ, there is a question 'how do I spot fake vacancies?' and they warn about any jobs which ask you to apply to a private Hotmail address.... they actually have such jobs on their site!!!!

 

Don't worry about being asked 'why are you unemployed?' as we've all been asked this at some point or another. It's ALWAYS our fault in some way - it certainly can't be the fault of the WP who is doing such wonderful things for us :) Too many unemployed people chasing too few vacancies, that's the real answer and the best CV or highest qualifications in the world won't change that.

 

Try not to worry about it too much and concentrate on your job hunting, and good luck.

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Thanks everyone for your replies. UJM site is a waste of space and I try to apply for jobs on other sites more because I overheard a conversation between a JCP advisor and client that was using the UJM site - "some of the jobs on UJM dont exist, they are created by job agencies to get you on their books" and I though to myself "wtf is the point then?". I do use Reed, Indeed, Monster, Jobsite etc but have had fake emails saying I have been invited to an interview to a job I havent even applied for so feel a bit dubious using these kind of sites but I have zero choice.

 

I have an appointment with this advisor tomorrow which Im not looking forward to. Ive revamped my CV, cover and spec letter - lets see if he still finds fault somewhere (which Im sure he will) because, according to every advisor I have spoke to at the JCP and WP - I am highly employable and it baffles them why I am unemployed. Yes, it baffles me too but maybe the problem isnt with me after all - but that could never be to a WP advisor!

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