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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   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? N/A 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 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Wife now in severe pain


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My wife works as a nurse at a G.P practice.

 

 

She suffers with arthritis and lately has started to suffer severe pain and is limited with her movement.

 

A medical assessment shows problems with both her legs and her back

 

 

she spoke to her superior about a slight reduction to her working hours,

 

 

After a meeting she was told that they were willing to consider a job share which would significantly reduce her income and working hours

but the reduction which my wife suggested was unworkable.

 

Having read through various bits of legislation it is unclear what my wife's rights are

 

 

. Could anyone enlighten us please.

Dont let the parasite dca's prosper

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Hi

 

It is almost certain that your wife has certain rights under the Equality Act. Where the condition has a serious impact on day to day working, then it may well be classed as a disability under the Act. Accordingly the employer must consider 'reasonable adjustments' which would allow your wife to remain in work so far as is possible.

 

This doesn't however mean that the employer MUST accept whatever suggestions that are made, but they MUST be able to justify any refusal. Sadly I feel that the employer here may just about be on the right side of the argument, but that shouldn't close the door altogether, although I would suggest that more information should have been provided as to why the suggestion is 'unworkable', although to mitigate this they HAVE suggested an alternative arrangement (even though this is 'unworkable' for your own circumstances)

 

From the employer's point of view, the surgery is running a service which presumably requires the support of a nurse during specific periods. It may well be true that the 'slight' reduction in hours might have a detrimental effect on the service to patients, and that recruitment for the shortfall in hours would be unduly costly and difficult. That would certainly be justification for a refusal to allow your wife to reduce hours, whereas a job share might prove easier and less costly.

 

So, whilst there are rights and the employer must consider adjustments, there is also their right to refuse so long as there are adequate grounds to do so.

 

What is the prognosis for your wife's arthritis? Is it likely to get worse in the foreseeable future and might the job share not be a longer-term proposition that would work, even though there would be a certain level of hardship in the short term?

 

My feeling is that you could push this under the heading of disability rights, but I don't think you would win (even though it might make the employer think again about exactly what COULD be done to allow your wife to remain in work without making the arthritis worse). Is there a compromise that could be suggested - even a rescheduling of the services offered to patients which might prove attractive to the surgery? Are there any other nurses currently working part time who might be looking to step up their hours a little?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Thanks for your well detailed reply, it is pretty much what we thought.

At the moment the prognosis is that with some pain management things should not get much worse.

We will have to see what the future brings.

Dont let the parasite dca's prosper

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