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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I think that further steps toward completely killing off the accessibility of higher education for poorer people is a disgrace to the entire country.

(except Scotland of course)

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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was expecting them to remove WRAG altogether and time limit CB on ESA SG. This budget surprised me.

 

Oh give the buggers time...

 

I think that further steps toward completely killing off the accessibility of higher education for poorer people is a disgrace to the entire country.

 

So do I.

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given the rumours that budget was nowhere near as bad as feared. Probably rumours leaked so people grateful for what happened. Although I will feel sorry for new WRAG claimants.

 

Marcus6 WRAG isn't dropped but the premium is removed for new claimants.

 

 

my bad, sorry for that, so new claims will not get the premium that makes up the WRAG??

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No. They will get the same amount as job seekers. Not even the flaming fifty pence extra that we'd seen reported the last time they'd talked about this idea a year or so ago.

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There never was disability premium for WRAG.

 

I was expecting them to remove WRAG altogether and time limit CB on ESA SG. This budget surprised me.

 

 

 

Like you worried, i don't think it was as bad, as could of been a lot wose......

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It's still pretty bad. Here is a blog from a couple of years ago with some tables that show the impact of the £20,000 cap on families:

 

http://blog.cix.co.uk/gmorgan/2013/09/15/the-impact-of-a-20000-benefit-cap/

 

How the hell are some of these families expected to live at all?

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

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Oh well, no point in applying for ESA from now on, as most successful claimants end up in the WRAG group anyway. *sigh*...

 

If on dla or pip, better off being on jsa than esa wrag as you'd still get the disability premiums. Of course that option is soon to end with UC....

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

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Quite a few bits I agree with. Never thought Id say that about a conservative budget.

 

HOWEVER

 

A few notes of concern also.

 

18-21s and Housing benefit. I echo Shelters report on this option. Those that are estranged form the family home are going to end up on the streets l like they did in the 1980s

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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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I'm curious how they can remove the £30 a week 'top-up' from WRAG?

 

I'm on WRAG now and get the full £102.15 per week. Surely there's an argument to be had that why should 2 people, who are on the same benefit, have a £30 a week difference? This really doesn't seem fair to new claimants.

 

Although i imagine my question will be irrelevant once the inevitable happens and it's removed from existing WRAG claimants aswell.

 

I can see them asking existing WRAG claimants to have another medical, failing them (obviously) and telling them they need to make a new claim. :evil:

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Yep, I'm sure they'll try that trick too.

 

And as for those who are now breathing a collective sigh of relief and thinking, "Oh that wasn't so bad after all as it doesn't effect me", well remember what kind of government we're dealing with here and then remember the old poem...

 

"First they came for the Communists

And I did not speak out

Because I was not a Communist

Then they came for the Socialists

And I did not speak out

Because I was not a Socialist

Then they came for the trade unionists

And I did not speak out

Because I was not a trade unionist

Then they came for the Jews

And I did not speak out

Because I was not a Jew

Then they came for me

And there was no one left

To speak out for me "

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I have just been placed on the wrag group as of the 29th june 2015. Had the letter to confirm as well. Will I be effected by the changes made today or not?

 

 

no you will not be effected by the changes made today, its only for new claims, IE any one that phones up to make a new claim thats who it will effected

 

 

But then saying that, take a look at the BBC news pages it says >>

 

Those claiming the working element of Employment and Support Allowance (ESA) will see payments reduced, to match Job Seekers Allowance (JSA).

 

 

so i'm not sure what they will do now??

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Tax Credits

Any family which has a third or subsequent child born after April 2017 will not qualify for Child Tax Credit, which amounts to up to £2,780 a year per child. This will also apply to families claiming Universal Credit for the first time after April 2017.

However those who have been in receipt of tax credits or Universal Credit with an interruption of less than six months, will be protected.

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Employment and Support Allowance (ESA)

Currently those who claim the Work Related Activity Group (WRAG) element of ESA get £30 more than JSA. But from April 2017, those who are able to work will get an equivalent rate. That is currently £73.10 for someone over the age of 25, or £57.90 for 18-24 year-olds. The WRAG element of ESA currently pays £103 a week.

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The whole point is that people in wrag are NOT able to work, otherwise they would have failed their assessments.

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

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The office for budget responsibility summary :

EFO-07-15.png

The new Government has used its first Budget to loosen significantly the impending squeeze on public services, financed by :

 

welfare cuts,

net tax increases

and three years of higher borrowing.

 

http://budgetresponsibility.independent.gov.uk/

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Employment and Support Allowance (ESA)

Currently those who claim the Work Related Activity Group (WRAG) element of ESA get £30 more than JSA. But from April 2017, those who are able to work will get an equivalent rate. .

 

ESA WRAG starts at 48:00

 

 

"For future claimants only we will align the ESA Work related activity group rate with the rate of jobseekers allowance"

 

"No current claimants will be affected by this change"

 

Though the News and Newspaper websites don't mention it's for new claimants only. Scaremongering?

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I'm curious how they can remove the £30 a week 'top-up' from WRAG?

 

I'm on WRAG now and get the full £102.15 per week. Surely there's an argument to be had that why should 2 people, who are on the same benefit, have a £30 a week difference? This really doesn't seem fair to new claimants.

 

Although i imagine my question will be irrelevant once the inevitable happens and it's removed from existing WRAG claimants aswell.

 

I can see them asking existing WRAG claimants to have another medical, failing them (obviously) and telling them they need to make a new claim. :evil:

 

you right but they playing clever.

 

remember when pip was initially in limited areas, this was to stop widespread backlash. They hope the existing wrag claimants will stay quiet.

 

Whilst I said I am surprised at the budget that it isn't as bad as expected, I do of course still worry for those affected especially the young who will get no housing support.

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even if they do not remove wrag component from existing claimants, they will either engineer breaks forcing new claims, i.e. fail an assessment - forced to claim JSA - re-apply for ESA on new condition - pass assessment but no wrag component

 

for those fortunate enough not to have a break - they may just freeze ESA so the component is eroded each year

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not getting much attention is

 

1) freeze on applicable amounts in HB which will see low pay workers HB being cut

 

2) removal of family element in CTC & UC and removal of family premium in HB

 

3) increase in tax credit taper from 41% to 48%

 

4) work allowance in UC totally abolished for single people and couples (unless disabled or have children)

 

5) HB backdating period to be reduced from 26 weeks to 4 week

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