Jump to content


  • Tweets

  • Posts

    • Hi all,   Could any of the site team (or experienced site membes) give me any guidance on the above defence .   I need to have it in by Friday at latest, and was hoping to submit tomorrow to make sure that its lodged in good time   Many thanks in advance x 
    • Sorry but sounds like early days if CWD and lately IDR. Been dealing with this since 2009 and still going on as well as those crazy collection agency’s in Dubai also still emailing to this day.    I set up a special email account where I have everything from CWD, IDR and all others so it’s all in one place and the laws that have been broken.  Upon discussions also with R. Sterling at detained in Dubai its also been helpful.    Currently with the FO with my complaints against the attempted collection of debt in the UK when it has not been passed through the correct channels regardless of what is in the T&C.    Personally I would not pay any ting until as people know that debt has been passed through the correct manner of courts in the UAE or indeed purchased by a UK company which then I will be happy to defend given the laws here and whT I have available.    Make sure to ask for everything when the time come all statements, extra charges terms at the time of supposed signing etc !    Listen to the team also 
    • I'm sorry the CAB have given me some terrible advice in the past, and some others on here.  Please do as Andyorch says above. do not use Moriaty's forms.  Do not fill in ANY income and Expenditure for Moriarty. They have no more right ot demand that from you than I do.
    • Why are you considering Bankruptcy...they have not even issued a court claim yet ?    Its vital you use our forms provided in the link ...not the ones Moriaty have sent you.
    • Its already statute barred in my book...the Statute of limitations is quite clear...its just that the Judge in this recent case with PRA is trying to move the goal posts for his DCA chums by stating the period of limitation begins when the creditor issues a default notice and the 14 days have elapsed...that is what he classes as the cause of action...not the fact that creditor have failed to serve a DN in over  8 years..decides to serve one now which in effect makes the statute barred limitation period since last payment 14 years.   The Limitations states that the period of six years starts with no payment or acknowledgment within 6 years from when the cause of action accrues ...accrues being the operative word...the Act does not state accrues starts from the issuance of the defect notice, .....it as always been the cause of accrues from the last missed contractual payment...thats what determines the cause of action.   But the CCA1974 states that a creditor is not entitled to enforce an agreement until a valid default notice is served...so this Judge in his wisdom has tried to fuse the two acts together...which is obviously nonsense.. he has not allowed for creditors who serve the notice late or not at all.
  • Our picks

djgordyp

Denied crisis loan

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1916 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.

Thank you

Recommended Posts

Hi all. been a long time since I needed to post here :-) I tried a search but couldn't find anything like my story. I have also posted this in the CAG facebook page because as I state at the end I want as many people as possible to know about this.

 

Hi folks. I would like to ask has anyone ever been denied a crisis loan or know anyone that has. I'm between payments at the minute. My SSP has run out and am waiting for my ESA to come through. My money ran out at the weekend and my electricity and food ran out yesterday.. Went to my local SSO to get a crisis loan. The guy dealing with me rang the ESA office and told me that they had all they needed and no reason why a payment couldn't be put in my account today. Therefore I was refused a loan. They wouldn't even give me the price of a bus ticket home. Today at lunch time there was no payment in my account. Rang esa to be told there was nothing to say a payment had been authorised. He said he sent through an email to authorise an interim payment but said it would take 4 hours to be sorted. Because of the time I rang at meant no payment until tomorrow. Obviously that's unacceptable so rang the benefits enquiry line. The lady there said she couldn't help but told me to get back to esa and ask to speak to a supervisor. Did that and was told I couldn't be transferred but I would get a call from one before the end of the day. I didn't believe that so rang BEL again. This time the person told me he would transfer me to esa. Instead I was put through to JSA. I was told there that there should be no reason why esa couldn't transfer me to a supervisor. In desperation I rang my MP. As of 4.55 neither me or my MP has had no response from ESA. They have no idea the stress this has put me under. Luckily I don't have any children needing fed but regardless of that this is an unacceptable situation. I spoke to a charity worker who told me this is not a unique case and even mentioned that a family with 4 young children were denied a loan. Sorry this has been a long story but even though I was given some food I am furious I have been treated this way and want as many people as possible to know about this. I'm even thinking of going to the papers....national if needs be!!

 

Is this normal practice or even accepable.


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Share this post


Link to post
Share on other sites

You cannot get DWP crisis loans any more. In certain circumstances interim payments can be paid.

 

 

For crisis help you now need to cannot your LA (council) who now manage their own individual funds.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

Share this post


Link to post
Share on other sites

Northern Ireland might be different because no one has told me that.

 

Just checked nidirect and they still give information on applying for a crisis loan


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Share this post


Link to post
Share on other sites
Northern Ireland might be different because no one has told me that.

 

Just checked nidirect and they still give information on applying for a crisis loan

 

You can no longer apply for a Crisis Loan in England, Scotland or Wales. You can still apply in Northern Ireland.

(That's about as much as I know on the subject)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Wow, shows how current I stay on news, have they still managed to continue blocking the welfare reforms in NI? In that case ignore what I said. Carry on.......(wanders off looking confused)


We hang the petty thieves and appoint the great ones to public office ~ Aesop

Share this post


Link to post
Share on other sites
Wow, shows how current I stay on news, have they still managed to continue blocking the welfare reforms in NI? In that case ignore what I said. Carry on.......(wanders off looking confused)

 

I believe the NI government has control over welfare, unlike the Scottish and Welsh equivalents. Although most things are the same there in terms of benefits, there are a few minor differences. It would seem this is one of them.


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.

Share this post


Link to post
Share on other sites
I believe the NI government has control over welfare, unlike the Scottish and Welsh equivalents. Although most things are the same there in terms of benefits, there are a few minor differences. It would seem this is one of them.

 

 

Maybe we could ask NI Caggers to specify they're in NI when they ask benefit queries to be sure they get the right advice - looking around for a few minutes online, looks as though there are a few differences until (and maybe even when) the NI welfare reform bill goes through.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

Share this post


Link to post
Share on other sites
Maybe we could ask NI Caggers to specify they're in NI when they ask benefit queries to be sure they get the right advice - looking around for a few minutes online, looks as though there are a few differences until (and maybe even when) the NI welfare reform bill goes through.

 

Makes sense. I'll add a sticky.


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.

Share this post


Link to post
Share on other sites

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

Share this post


Link to post
Share on other sites

Indeed, never thought that I should have pointed out I was in NI. I think the way they treat people needs to be reformed never mind the welfare system. It shouldn't be down to charities to do the governments job. In fact one charity is currently gathering information on the scale of the problem to present to the government. And even if my money does come through. I won't let the matter drop :-)


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Share this post


Link to post
Share on other sites
Indeed, never thought that I should have pointed out I was in NI. I think the way they treat people needs to be reformed never mind the welfare system. It shouldn't be down to charities to do the governments job. In fact one charity is currently gathering information on the scale of the problem to present to the government. And even if my money does come through. I won't let the matter drop :-)

 

Yeah, to be honest, the NI thing hadn't occurred to me until this thread. Oh well. Since it seems that it is relevant information, I'd ask people to let us know. I guess we all live and learn.

 

The situation you described in your OP is not, sadly, all that unusual. Before Crisis Loans were abolished in the rest of the UK, I would sometimes have to deal with similar situations to the one you describe (I was an ESA processor). I like to think I handled them better, right enough - I hope I did - but so many people are involved that cock-ups happen all the time. Which does not, of course, mean you should tolerate them without complaint.

 

I imagine my standard advice for these situations has some applicability even in NI - get your money sorted first, then complain. Either you should get your ESA, if your claim is set up and ready to go, or you should get a CL.


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.

Share this post


Link to post
Share on other sites

Thanks for your input antone. As I already mentioned the money has not come through yet. And I see no reason why they couldn't have allowed me the cost of the bus fare home (£6) I did receive a little help from a local charity yesterday. Had it not been for my support worker I would not have been aware of this. Reading the information on the link provided above. The advisor should have been able to point me in the direction of other help. But when I asked where else I could go for help he couldn't answer me.

I was in need of immediate help and the promise of a payment the following day could hardly be considered to alleviate the immediate need. I am on medication for depression and the whole episode has been very stressful and I feel as if I'm only starting to settle a bit now.


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Share this post


Link to post
Share on other sites

yeah sadly crisis loans are no more, another ideological policy as most crisis loans got paid back, I finished paying mine back in feb this year.

Share this post


Link to post
Share on other sites

Just to clarify the situation here in N Ireland, Crisis loans, Budgeting loans and Community Care Grants are still available, until the Welfare Reform Bill is passed over here, that is the way things will remain. Welfare Reform is a highly emotive subject here in N Ireland, the major parties do not seem to be able to come to an agreement, the Bill at Stormont has been delayed for several months now. I will try and post updates as and when new information becomes available.

Share this post


Link to post
Share on other sites
Just to clarify the situation here in N Ireland, Crisis loans, Budgeting loans and Community Care Grants are still available, until the Welfare Reform Bill is passed over here, that is the way things will remain. Welfare Reform is a highly emotive subject here in N Ireland, the major parties do not seem to be able to come to an agreement, the Bill at Stormont has been delayed for several months now. I will try and post updates as and when new information becomes available.

 

 

Thanks, updates would be greatly appreciated.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...