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    • arrows didn't file the default lloyds did on or before the sale date.   it might pay you to either look online at your lloyds A/C, some accounts there allow you to see old statements. if not you'll have to SAR lloyds.   if what you say that you've not touched the A/C since 2013 ... for the ICO guidelines that were in-force at the time - which states a default should be registered within 3-6mts, I'd complaint to lloyds that it is unfair. and they might well move it to an earlier date. i've seen lloyds do this. so the A/C will vanish from the report as the default has reached it's 6th B'day.   i've also seen arrows agree to remove the A/c too if an F&F is offered.   all of this should only ever be done in writing.   just a side not, a broker shouldn't be holding you to ransom for a single default.  even most prime lenders ignore a single default in todays market.
    • it could prevent the sale of the property or it could become an unsecured shortfall debt.   i'd be sending swift an sar i bet there are £1000's in unlawful penalty charges. that are all reclaimable at their int rate. always is with swift, they are terrible to their customers, so you can never clear the balance by normal monthly payment. now if you'll get them refunded is another matter.   ive moved you to the swift forum.   have a read of a few swift thread use our search top right for swift.   dx  
    • It could halt the sale of the property unless alternative arrangements are made to settle the balance.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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JSA Sanctioned for failing to attend work program while on POST work program support


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Hello there, I found out today that I had been sanctioned for failing to attend a work program appointment on the 7th of march. I didn't attend this because on the 6th I was given a letter at the job centre telling me my time on the work program had finished. I also mentioned to the advisers on three separate occasions that the work program (pinnacle people) keep sending me letters asking me to attend. I was told to ignore them. So today I find out I have been sanctioned until the 16th. I thought I would just try and document this somewhere on the internet as I couldn't find anyone with a similar case to mine.

My adviser told me to fill out a DR7 form.

 

Also does anyone have any idea how long these things take to process.

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Hi,

I am on post work porogramme support.

 

work programme lasts for two years [104 weeks] regardless the number of weeks you spent off benefits / working during the 104 weeks.

 

Your WP prowider has your starting and finishing day on your file on the computer. Go in to see it for yourself which day the 104 weeks is over. Ask them to print it out for you [screen shot, etc].

 

If you were working for 100 weeks out of the 104, WP still finishes when the 104 weeks is over.

 

I would hate to think that the Jobcentre was wrong about your finishing date.

 

Have you got the letter about your WP starting date / first appointment date at WP provider?

 

I was off benefits for 6 months during the 104 weeks yet WP finished when the 104 weeks from the WP starting date were up.

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You can request a reconsideration of the sanction if it is indeed the case that your WP involvement finished the day before the appointment that you missed.

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Thank you VERY much for the replies,

 

Unfortunately I would have long ago destroyed any documents from my WP provider regarding the start date. I will drop by JCP tomorrow and ask to see the date I started/finished.

 

As I mentioned before when I was handed the letter in the JCP the day before the missed appointment, I intentionally asked if I should still attend, and was still told no. the exact wording on the letter says

Your time on the work program has now finished
So i'm guessing the time is up.

 

Also the WP provider are still to this date trying to book appointments with me.

 

TBH I am glad I am in a relatively secure situation for the time being (family/friends) So I am thankful for that. But I have been in situations where I have been utterly dependent on JSA. If this happened to me then I would be up the creak without a paddle.

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Never fails to surprise me how the WP seem incapable of keeping even simple records correctly - they'd have known your finish date from the day you started there. My particular 'burden' with them was the fact they constantly lost their copy of my CV with every advisor I saw.

 

I'm sure they often know very well when clients have left the programme but they're still trying to keep in touch so that if the client was to get a job shortly afterwards they can try and claim the credit..and the payments.

 

You should still be able to get some evidence from the JC to prove that you had left the program before the appointment, they should have a record of all letters issued to you..hopefully!

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Never fails to surprise me how the WP seem incapable of keeping even simple records correctly[...]. My particular 'burden' with them was the fact they constantly lost their copy of my CV with every advisor I saw.

 

You should still be able to get some evidence from the JC to prove that you had left the program before the appointment, they should have a record of all letters issued to you..hopefully!

 

If they had "lost" my CV and demanded another copy, I'd be refusing and kicking up a stink - Perhaps even logging a complaint with the ICO...

 

thelog: Now that you have served your sentence with Pinnacle People, it would be worth sending the DWP a SAR for all computer records and written notes held by the provider. There is scope for payback when you get incomplete or inaccurate files - I exchanged a few terse letters with the DWP data controller after getting a folder of crap back. Informed him that I was holding him personally responsible for the errors & omissions and use his name in any complaint addressed to the ICO :madgrin:

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If they had "lost" my CV and demanded another copy, I'd be refusing and kicking up a stink - Perhaps even logging a complaint with the ICO...

 

thelog: Now that you have served your sentence with Pinnacle People, it would be worth sending the DWP a SAR for all computer records and written notes held by the provider. There is scope for payback when you get incomplete or inaccurate files - I exchanged a few terse letters with the DWP data controller after getting a folder of crap back. Informed him that I was holding him personally responsible for the errors & omissions and use his name in any complaint addressed to the ICO :madgrin:

 

I'm really not the sort of person to kick up a stink although sometimes I wish I was. I understand sometimes errors can be made but where I get left without money to catch the bus it makes me feel a little angry.

 

Anyway I'm hoping to land a new job on friday so I won't be needing to deal with JCP for the time being.

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I'm really not the sort of person to kick up a stink although sometimes I wish I was. I understand sometimes errors can be made but where I get left without money to catch the bus it makes me feel a little angry.

 

Anyway I'm hoping to land a new job on friday so I won't be needing to deal with JCP for the time being.

 

The odd genuine mistake is acceptable - even from the WP - but they seem to make a hell of a lot of these mistakes and the vast majority are down to pure incompetence, not human error. I always bear in mind that any incompetence from the WP/JC can cost me my income so I come down very heavy on them when it happens - if nothing else it may make them take a little bit more care with my claim in the future..not that Ingeus ever learned from it! :)

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My partner started on the WP over 3 years ago. She has since had a child, been on income support, off income support, and now on my JSA claim, and they STILL keep sending her appointment letters 3 years later! She even received an appointment letter saying 'IT'S IMPORTANT YOU UNDERSTAND YOUR RESPONSIBILITIES' on her delivery date.

 

Like you she was just told to ignore the letters by the Jobcentre.

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My partner started on the WP over 3 years ago. [...] and they STILL keep sending her appointment letters 3 years later! She even received an appointment letter saying 'IT'S IMPORTANT YOU UNDERSTAND YOUR RESPONSIBILITIES'

 

Perhaps a short and terse response along the lines of: "We are fully aware of our legal obligations. However, it would appear that you are in ignorance of your basic responsibilities within the DWP guidelines and your contract."

PLEASE HELP US TO KEEP THIS SITE RUNNING

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