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    • OK, all done as requested. Defence left blank for now. Just one small question in relation to the CPR31:14.... Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: and it says * delete if not mentioned in the Particulars of claim. I'm not  sure if I ask for everything or nothing as I can't see any of the list mentioned in the POCs
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    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DLA APPEAL for a child


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Hi

I have recently been refused dla for my child

she is 12 years old sees a consultant for eneurisis clinic

wets in the day and night,

 

shes on medication,

also shes under a consultant being assessed for adhd and autism,

she has 1 to 1 at school and

 

i sent in a mandatory reconsideration on the 4th aug looked at it allready again,

i sent in diaries,

consultant letters,

paedtrician letters,

repeat prescription,

side effects of her medication,

a full patient summary

 

yet still they said they have not changed their decision,

 

im furious and dont know what to do to appeal.

I also have autism, dyslexia, dyspraxia, deprssion with social anxieties,

me attending court i would not be able to cope with people face to face

 

please can anyone help

thankyou

Edited by dx100uk
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To appeal the decision, you need to send form SSCS1, available here, to the Tribunals Service. You also need to enclose a copy of the "Notice of Mandatory Reconsideration" or whatever other letter the DWP sent you when they told you that the reconsideration request has not been successful. There is a guidance booklet at the HMCTS (Tribunals Service) website, link here.

 

If you really can't attend the Tribunal it's possible to request a "paper hearing", where the appeal panel will look at the evidence you've sent (and that sent by the DWP) and make a decision without you having to be physically present. However, I'd recommend that you do attend if at all possible, as the success rate is higher when the claimant is there to talk to the panel and answer any questions they may have. You can take a friend or relative for moral support, and you can also have a professional representative with you - talk to the Citizens Advice Bureau about where you might get in touch with such a person. It's definitely worth talking to people with experience in these situations since appeals on behalf of children can be a little more involved than those concerning an adult. This is because all children need a certain amount of assistance. Therefore it's not enough just to show that your child needs help with some things: you have to show that the help she needs is more than would generally be expected for children in that age group.

 

Note also that the Tribunal, although it is part of the Courts and Tribunals Service, is not like a court. It will be a lot less formal. There are no robes or wigs, for example, and the room where the hearing takes place will not be a courtroom like the ones you see in the news or on TV shows. The appeal panel will consist of a judge, a doctor and possibly a third person who will be someone with professional experience of working with people who have disabilities.

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  • 1 year later...

My daughter is 11 years old and has multiple health issues,

a severe autoimmune disease

as well as severe gastro problems,

 

she has to have a very restricted diet and there can be no cross contamination of any sort of food, shampoo, toiletries, etc etc as it is detrimental to her the same with towels, bedding etc etc the list goes on.

 

She cannot go swimming and is never invited to parties or outings.

She is also Vitamin D deficient,

has bowed legs,

contact dermatitis,

social anxiety,

delayed speech,

 

has a PEG tube in her tummy,

we have to use catheters and pull ups every day.

 

She was in receipt of DLA for almost 9 years and now has been refused as the DWP say she has the same needs as a child of her age,

we did a mandatory consideration and the same because she is like any other child of her age.

So the DWP are penalising a little girl,

any help advice would be great

Edited by dx100uk
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The advice in the post above yours is excellent.

Are there any charities specifically in relation to your child's illness? If so, they may be able to help with an appeal.

Try not to take it personally, DWP is apparently on a mission to reduce the benefits bill by any means possible and many, many people have to appeal to get benefits awarded for illness or disability these days, however the appeal success rate is quite high (over 60%) so don't despair.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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You may get more responses if you start a new thread of your own.

 

At 11, there would be certain things that she would be expected to be able do herself in terms of self care, unless she has other disabilities which means she requires help.

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