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    • and you can't click on the enter a defence option. sometimes we've found you can.   you should have come here sooner an we would have made sure you did it right...  
    • get an sar off to welcome they can't refuse.   who are mortimers client, the claimant of the CCJ and the charge upon your deeds.   welcome would have added £1000's in unlawful penalty fees for everything from letters/phonecalls/arrears fees/it's raining today, your fault. when was the CCJ attained too please?  
    • We applied for a joint loan for £9000 in 2010 which was secured against our home, in 2012 we were declared bankrupt but because we kept our house the loan stood while we were going through our financial problems we defaulted on the loan.   We had then started making payments but with all the interest etc it went past the £9000 we originally borrowed. We got the loan down to £6000 then hubby lost job and we seriously couldn't even afford to pay a penny and again it built back up.   The debt is now with a solicitor and now we owe according to them £18000. I have requested from welcome finance every payment we have made, every statement etc they have refused.   We are only making payments of £65 a month going to take forever but its also gone to a ccj which should have been removed on Oct last year.   Where can I go for help with the dispute over the amount we owe. Thanks   Solicitor is mortimore Clarke 
    • Hi Guys,   Looking for some advice - Lowell claimed against me for old mobile debt - I stupidly thought that I had 33 days after Acknowledgment, as you know this is not right - after recovering from Covid I thought I start my defence today only to read that I might be too late I've just checked on line to find the below - is there anything I can do?   Kind regards   Lushni   Your acknowledgment of service was submitted on 04/01/2021 at 10:48:10 Your acknowledgment of service was received on 04/01/2021 at 12:05:37 A judgment was issued against you on 22/01/2021 at 19:16:12
    • ideally we like to get these fleecing DCA's on the hop when threatened with a set aside and N244 fee payment clawback , some do when confronted immediately do it FOC there and then. but as you've already phoned you might have tipped them off, but then you had no idea when you were talking about now you do.   your call   dob't forget also the damage done to your credit reputation by them raising the claim on an SB debt when they know they shouldn't.   just remember, if you read a good few erudio threads here, they only went for the CCJ as they knew they'd get a guaranteed backdoor one if you'd known about it and defended they would have run away as they always do on these SB'd SLC loan 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Another Ingeus attempt at benefits sanction

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I always fill out the typical Ingeus template forms when doing a jobsearch at the Ingeus office, I fill in the job i've applied for and the website I have used but have never filled out the space where it asks the name of the company/agency the job belongs I've applied for is with.


Today I was told in pretty harsh terms I had to start filling this out or it was a sanctionable offence.


I record my jobs applied for on the Universal Jobmatch website and I have email evidence of all jobs applied for which I produce every time I sign on at the local job centre.


Does Ingeus have a right to see which company/agency I am applying for when I produce this evidence each fortnight when I go to the job centre and can they send a sanction to the job centre for me not putting down which company/agency I am applying for work at?


I'm applying and recording proof of at least ten jobs each day at home and when I'm on a "jobsearch" activity at the actual Ingeus office too.


Their claim today is that this is for their "records" but surely the only people who have a right to know which company/agency my applications are for is the job centre adviser when I sign on each fortnight and whom I provide the evidence of job search to every time?


Could anyone please provide any feedback or information? Thanks.

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I had (almost) the same issue with A4e when I was in their clutches. Instead of leaving the boxes blank, I'd use abbreviations or initials. It took them a few weeks to notice, along with a change of "adviser", at which point they insisted on names. By the time of the next appointment, the quality of my handwriting had deteriorated to the point of being almost illegible (I was reacting badly to some prescription drugs which made holding a pen very painful). The first comment from them was "I can't read your handwriting", to which I responded "your literacy skills are not my problem, if you need help I suggest you enrole yourself on one of the courses this company provides". Nothing more was said on the subject :madgrin:


In few of the current stricter compliance requirements and the sanction happy culture, I would not recommend a confrontational response. Whilst the JCP are the only ones who require full details, you do have to consider that these Work Programme "advisers" can raise a benefit doubt under the catch-all heading of "Failing to Participate".


If they are just telling you the information is for their records, ask how retaining this information is of benefit to yourself and will it improve their ability to help you find work.


Have you signed a consent form allowing them to retain and process your personal information ?





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

I am in a similar situate, however I am 67 and in receipt of attendance allowance which I have had for many years (bad feet). I live in Glasgow. I received a letter from the DWP alleging Benefit Fraud and inviting me to an interview! I was quite nervous about it, however I happened to speak to a friend who had used a lawyer at interview. He says that leaving it to the last minute is a bad idea. He told me that attendance allowance is a non-sanctionable benefit and this means it cannot be stopped (even if the benefits office investigation goes against me).




There is also a list on the dwp website, but that is slightly different.

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