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    • Need to get your DQ in - it's your opportunity to have a say in what happens next! It should then transfer to local court, who will look at the DQs and determine next actions. Fairly self-explanatory and there are guidance notes on the site here. My Asset/Link/Kearns case was reviewed a couple of weeks ago after transferring to local court and they have been ordered to provide a new CPR-compliant Particulars of Claim, Original Agreement, Deed of Assignment and Notice of Assignment. They have six weeks to comply or it's struck out. As with your case they are relying on a generic print out of an agreement with no personal details or signature. Don't give the courts a chance to make any decisions without your input and get that N180/N181 in! Your call as to whether you want mediation - given the lack of evidence from them there is probably no point as you can't mediate an account that appears not to exist.
    • FYI I've had a copy from Kearns arrive today of the DQ from the claimant agreeing to referral to the Small Claims Mediation Service and without a hearing. I am a bit wary of the two replies above from you both. Which is the most relevant and most urgent to action? I'm away from Sunday the 19th to Wednesday 22nd working abroad and am conscious there's a bank holiday the day before the deadline so it doesn't give me much time to collate and post relevant paperwork either to you or the parties involved. Do I just fill in the N180 and post?  Apologies for my ignorance, It's out of my comfort zone! Also my case seems to be over the £10k barrier?  
    • Hello,  Me again, back with more questions from my friend because she doesn't want to deal with this part of her life.  She has managed to set up a repayment plan with 247money for the next 3 months.  We have looked at her car finance and she would have reached the 50% payment in Aug 2025  She has 2 questions.  When it comes to Aug 2025 what are her options for VT, I've read a few things and honestly the car sites all seem to give information in different wording so it's hard the grasp the core facts.  If she were to just stop paying the car now, obviously they would action repossession but what is the after math, money outstanding, impact on credit file, court action.  Thank you, 
    • Resolve call have one of my ancient, ancient debts that went statute barred in 2020, I've had a couple of door visits, first one just left a card, second one I spoke to, i told her how old the debt was and she rolled her eyes, and apologised pretty sincerely I thought. Not heard anything from them since.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My sons DLA & JSA

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My son is 19 now, he's been in receipt of DLA for about 5 years on the lower levels.



His DLA is given in regards to behavioural, self care and communication issues.


He did have a job for a while, but as suspected was unable to hold it. This job was handed to him on a plate by my cousin, so he clearly didn't interview for it etc. In the 6 months he was their he simply couldn't understand the 'banter' so took offence at it, he couldn't get up on time without me screaming at him, he didn't bother washing or wearing clean clothes. In the end my poor cousin had to fire him because no one would work with him.


I made him sign on at the Job Centre because I simply can't afford to keep him, and he was awarded the £90 a week given to those on DLA. Now it turns out he's off benefits because they kept giving him sheets of paper and telling him to 'call these people for work experience'. At no point have they realised he literally cannot pick up a phone and do that.


They won't discuss it with me because he's an adult, but he couldn't even list all his problems to be honest.


I don't really know where to go from here.

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They won't discuss it with me because he's an adult, but he couldn't even list all his problems to be honest.


I can not offer any practical advice on your son's issues. However, if you were to apply for appointee status, the DWP would then have to talk to you. See: https://www.gov.uk/become-appointee-for-someone-claiming-benefits for further information.


If you haven't already done so, it may help to contact the Adult Social Services at your local council and see if they can offer help and support.





No... you can't eat my brain just yet. I need it a little while longer.

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If your son has medical conditions, then maybe he should be claiming ESA and not JSA , as all they want to do with people on JSA these days is find ways to sanction them, your son could well of already fallen foul of this, I would try your local CAB and see what their welfare case workers says, it may be a case of requesting a mandatory reconsideration, explaining the difficulties he has , or they may advise your son to get a med 3 from your doctor and go down the ESA route, where there isn't the same pressures put on people to find work, which would avoid further sanctions , and as he is already getting DLA seems like the best option to me

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Thanks for all the advice. I did wonder about ESA, but since most of his problems seem to be emotional or behavioural I think it could be a hard slog getting it. That said DLA wasn't a piece of cake and we got there eventually :)

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