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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  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  click thru to the end  confirm and exit MCOL. . .  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 £1PO blank 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/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
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    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA 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 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   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. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
    • sorry busy day attached is a large file re clear agreement/ T&C's   is that obscured signature typed or your real sig? Exhibit__Cabot_Vs_Roland.pdf
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trebormoinet

Should Ergophobia (Fear of Work) be recognised as a valid medical condition

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I am considering setting up an E-petition when its back after the elections calling upon the government to recognise Ergophobia or fear of working as a recognised medical condition.

 

I am interested to know of any experiences from people who may have this condition or know someone who has and gauge peoples perception of how they view people who suffer from this condition.

 

Unfortunately the mental health community does not recognize work aversion / fear of work as an illness or disease and therefore no medically recognized treatments exist.

 

Can you imagine the hell sufferers of this condition go through each day in order to survive, not only do they have to cope with limited finances, hounded by the DWP and stigmatised as work shy and lazy, there is no help available to them should they mention their illness to the wrong person and could find themselves in severe financial difficulties.

 

The quicker this illness is recognised, the faster these people will get treatment.

Edited by trebormoinet

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Unfortunatly I have been unable to get Dumasphobia recognised as well so I fear you may be on a hiding to nothing


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Unfortunatly I have been unable to get Dumasphobia recognised as well so I fear you may be on a hiding to nothing

 

I am sorry to hear of your troubles, if you have an e petition already set up for this condition I would be happy to sign.

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Unfortunatly I have been unable to get Dumasphobia recognised

 

I fear you are being a little unkind....:razz:

 

trebormoinet: To some extent, I'm currently going through a patch of "really can't be a**ed to go in to work". More through general despondency and lack of enthusiasm rather than a fear of labour.

 

Ergophobia turns up in a few medical resources, so it is at least a defined condition. I wish you luck in getting it officially recognised by the DWP.


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Dumasphobia is far more an important issue to understand esp on forums

 

 

dx


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Just to give the OP one iota of credability, could you imagine if you really had this problem.

 

I ask, not in jest, as my eldest son has an abject fear of cooked mushrooms. So although the OP may be taking the Micheal, if you really had a fear of working, you would be knackered! Esp with the Tories in power.

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Jmy eldest son has an abject fear of cooked mushrooms.

 

Indeed, to some it might seem a joke but if your a sufferer then it is an entirely different matter.

 

I have a fear of heights , I have a restriction on my job seekers agreement that excuses me from applying for jobs that involve working from heights.

 

I did not have to provide any medical evidence to back up my claim, I have not been assessed by anyone in the medical profession, yet I was simply believed with no fuss whatsoever and the restriction was added.

 

I also have a restriction for jobs that require colour vision, I no it is a physical condition but after I was asked apply for a job wiring electrical looms, I told them I am totally colour blind again no fuss, no test the restriction was added.

 

Is it discrimination to accept some physical and mental issues without question, yet others have to go through a long painful process, I think I am straying, but if you son ever had the misfortune to to be unemployed and explained their fear and requested restrictions to not work in any industry where they might come across a cooked mushroom would they be as amicable.

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And how would you survive without income from working/

 

Fear of heights I have, but I went Mountain climbing to challenge myself.


:mad2::-x:jaw::sad:

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And how would you survive without income from working/

 

Fear of heights I have, but I went Mountain climbing to challenge myself.

 

Not all work involves working from height and I think it is great you faced your fears.

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I am scared to go to work every day.

I sign the petition 😉

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i recall an actual case where someone claimed a fear of the buzz of electricity/noise, or something like that. they were then housed in the country in the sticks! not bad, most have to pay for a house in the countryside!


IMO

:-):rant:

 

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It's not a new thing, it used to be known as 'Lazyitis' in the past.

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bureaphobia?


PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Then surely it'd come under IDS's 'you must get treatment to claim' category of illnesses.


My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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Then surely it'd come under IDS's 'you must get treatment to claim' category of illnesses.

Then sufferers can get help and treatment if it is recognised, I think depression is sometimes mistakenly diagnosed as the cause rather than a symptom of this condition until that changes many people will be given inappropriate treatment and the issue will never will be resolved.

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if someone has depression then its not a fear of work, its depression? ie depression being the cause of why someone may not be willing to/up for work. not a symptom. help the depression, then the desire to work shld follow. unless it is 'lazyitis'. :)

are you suffering from depression?


IMO

:-):rant:

 

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help the depression, then the desire to work will follow. unless it is 'lazyitis'. :)

 

Exactly, unless it is "lazyitis" as you call it, then the problem is never addressed.

 

The other end of the spectrum of this condition is workaholic which is a recognised condition has treatment available and does not carry the same social stigma attached as with ergophobia which is less likely to be reported by sufferers.

 

are you suffering from depression?

I hope not but if you find any evidence I might be please let me know ASAP and thank you for the concern.

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not as i call it, as was posted see #12. but it may seem apt :)

 

i wldnt be able to find any evidence, thats for your gp :)


IMO

:-):rant:

 

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I think what's interesting about this is that there are millions of people across the world who live with phobias every day and do 'get on with it'. I'm terrified of heights but know that if I don't face it head on then I'll spend my life wasting opportunities.

 

Likewise those scared of dogs, spiders, birds and people with beards. You can't live a life avoiding things, you can develop strategies and techniques to cope with even the most debilitating of phobias and as someone alluded to earlier, part of that is down to exposure to to learn that not every high bridge is going to collapse, nor every spider bite or even a bearded man do something 'beardy'.


My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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'get on with it'.

That is a very telling attitude, would that be your advice to someone suffering from depression ?

 

I am hoping it gets recognised as a condition so that people who suffer can get the appropriate treatment, whatever the method and then they will have the chance to "get on with it".

 

It might mean the best form of treatment is supported exposure to the work environment over a period of time BUT if this issue remains hidden, unrecognised, people will not get the right treatment.

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There is already help for sufferers of ergophobia (drugs, therapy).

 

About 50 years ago, 'ergophobia' was wrote on patients prescriptions.

 

A person genuinely suffering from ergophobia can receive help from their GP.

 

I am guessing that the GP may not use the word 'ergophobia' now, but may use some other term such as 'stress reaction'.

 

I really do not understand the purpose or point of the online petition.

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Trebor, it seems that the purpose of the inverted commas is a bit lost on you.

 

My advice to anyone dealing with an issue that they find overwhelming would be to seek help so that they can continue to live as normal a life as possible.

 

As p3t3r says treatment already exists and provided that the individual seeks help then it's for the clinician to treat the symptoms. In all of my time working in the NHS I have come across people who want to be treated, not labelled.

 

There are already clinical classification codes for almost everything, I'll check for you later this morning exactly what the one is for ergophobia if it's there.


My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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Trebor, it seems that the purpose of the inverted commas is a bit lost on you.

You could be right as grammar was never my strong point, please clarify.

 

In all of my time working in the NHS I have come across people who want to be treated, not labelled.
That is not entirely correct, some people actually find comfort, relief when labelled.

 

"The diagnosis and label made my actions and thoughts make sense. I've actually found comfort in the label. But I do realize not everyone wants to be labelled. "

 

In fact some people respond well to being labelled.

 

"I think it makes me special: I am creative, intelligent, and empathetic. When I look at my bipolar lineage (all the famous writers, artists, actors, and doctors), I feel proud. "

 

There are already clinical classification codes for almost everything, I'll check for you later this morning exactly what the one is for ergophobia if it's there.
Thank you, much appreciated if you can find it.

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