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    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
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    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
    • It was settled by Barclaycard because I bought the car using my VISA credit card. Do you know if there is a time limit for taking the company to court to claim the consequential expenses incurred?
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E-Petition - Let GP's do fit for work assessments instead of ATOS

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This E-Petition is requesting "Let GP's Do Fit For Work Assessments Instead of ATOS"

If this were to happen it would mean that GP's who know about their patients ailments could complete these assessments using the medical knowledge and history that they have and know about.

This would also save the cost of utilising companies like ATOS who have been proven to not be fit for purpose, it would stop the misery caused to sick and disabled people who have their benefits stopped while waiting appeals and of course the cost of these appeals.

I feel sure this would be much more cost effective and therefore save taxpayers money.

 

If you wish to sign please go to this link :: http://epetitions.direct.gov.uk/petitions/54430

 

Thank you in advance to anyone who signs.

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This E-Petition is requesting "Let GP's Do Fit For Work Assessments Instead of ATOS"

If this were to happen it would mean that GP's who know about their patients ailments could complete these assessments using the medical knowledge and history that they have and know about.

This would also save the cost of utilising companies like ATOS who have been proven to not be fit for purpose, it would stop the misery caused to sick and disabled people who have their benefits stopped while waiting appeals and of course the cost of these appeals.

I feel sure this would be much more cost effective and therefore save taxpayers money.

 

If you wish to sign please go to this link :: http://epetitions.direct.gov.uk/petitions/54430

 

Thank you in advance to anyone who signs.

 

GP's won't want the extra work : even if paid to do it, it would be seen as a "poison chalice".

GP's already face pressures regarding "fit notes" and the effect on the doctor/patient relationship when they have to refuse someone a "sick note" - they are unlikely to want to take on a task where they'll get no credit for giving people what they want but loads of grief if they don't give people what they want.

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GPs were very critical of the "super doctors" that did the assessments prior to ATOS coming on board.

 

Somehow, I dont think they would agree to do this without some form of serious cash being made available !


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GP's won't want the extra work : even if paid to do it, it would be seen as a "poison chalice".

GP's already face pressures regarding "fit notes" and the effect on the doctor/patient relationship when they have to refuse someone a "sick note" - they are unlikely to want to take on a task where they'll get no credit for giving people what they want but loads of grief if they don't give people what they want.

 

GPs are already having to complete Medical Histories of many of the claimants at ATOS request, after which these reports are instantly ignored. So, although it would require some extra work for GPs it would not be to the extent that you envisage. Yes, this would require extra funding and rightly so but this would only require part of the saving made by getting rid of ATOS.

The decisions on the Fit For Work Assessments are not made face to face and the assessment given by a GP would actually be based on proper examinations and symptoms of the conditions being claimed to affect the ability to work and I am sure that GPs already treat those patients who they feel are "trying in on" with the contempt that they deserve.

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@ eclecticzebra

 

This petition is over 1 year old and don't see how you could sign it when it has been Archived and the Petition deadline was 2nd Sept 2014


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Petition date ended 2 September 2014 - Thread Closed


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1443 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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