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    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
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mkdp/? claimform nationwide credit card debt - now stayed?


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I have a £12.5k debt to Nationwide that was sold to MKDP.

 

 

On 30th September 2015 the debt will be statute barred

 

 

however on 27th November 2013 MKDP issued a claim in court to which I put in a defence

- to do with exorbitant charges I think but I can't remember now.

 

I have not heard anything since

 

 

does this mean that the debt is fixed for them to come back anytime

or will it be barred on 30th September 2015 if I hear nothing from them.

 

Now that Hoist have hold it of it

 

 

I doubt it will get that far

 

 

would it be better to contact them

 

 

and offer some form of repayment?

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Have you checked that you haven't already been given a CCJ?

 

Also in the words of one of my favourite professional wrestler; "Im Afraid Ive Got Some Bad News!..."

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?448531-Hoist-Portfolio-Buys-MKDP-Etc-Compello-Group

 

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Receptaculum Ignis

 

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This one is not cut and dry. A debt becomes statute barred if the company hasn't made any attempts to collect it, going to court could be classed as an attempt to collect, so the next move is up to them.

 

How did you ascertain you don't have a CCJ ?

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This one is not cut and dry. A debt becomes statute barred if the company hasn't made any attempts to collect it, going to court could be classed as an attempt to collect, so the next move is up to them.

 

How did you ascertain you don't have a CCJ ?

 

check trust online and Noddle.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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I have a £12500 debt to Nationwide that was sold to MKDP. On 30th September 2015 the debt will be statute barred however on 27th November 2013 MKDP issued a claim in court to which I put in a defence - to do with exorbitant charges I think but I can't remember now.

I have not heard anything since so does this mean that the debt is fixed for them to come back anytime or will it be barred on 30th September 2015 if I hear nothing from them.

Now that Hoist have hold it of it I doubt it will get that far so would it be better to contact them and offer some form of repayment?

 

What is the current status of MKDP's claim?

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I thought you just said it would be statute barred but if they tried to collect it then it could be from that date???

 

Which is why I said not 100% cut and dry. It becomes statute barred if there is no payments received or admittance that the debt exists. You putting in a defence and saying 'can I have payment arrangement should they win' might be construed as an admission.

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claimform stalls the SB clock.

 

 

so the claimis stayed

until/unless they want to pay to unstay it and file the claim.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was this your nationwide credit card debt you stopped paying because of the dodgy CCA return?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No this is totally different to my other post.

 

 

I had a Nationwide Credit Card and could not pay.

 

 

I did not hear anything from them until I received a claim form from MKDP in November 2013 and I put in a defence.

 

 

I never heard anything else from MKDP

 

 

now I have found out that they have sold their debts to Hoist and they will certainly pursue this.

 

 

I was asking the team if the claim form in November 2013 would mean that the debt will not be SB in September 2015

because the case has been opened up even though I have not contacted them or admitted the debt?

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answered you in post 11

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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why?

you are supposing ..things might happen

 

 

they cant move forward unless they pay to unstay the claim

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am just very nervous as Hoist now have the debt and it will be another 4 years until it is SB

 

 

as I have said several times

it can not ever be SB's as the claimform paused the SB clock

 

 

the claim is stayed

until they pay to advance the claim, which they haven't to date.

it wouldn't matter who is in charge of it,

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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