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    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Coming off ESA as offered part-time work, affects on PIP?


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Hi, I'm in the Support group for ESA, was on Contribution based Incapacity Benefit from 2003, transferred to ESA without a medical in 2013. Was also on DLA high rate Care and Mobility from 2003, transferred to PIP in 2016 (downgraded to Standard Rate by an one of the 'trusty' so-called HP's !).

 

My query is this, I have been thinking about coming off ESA as I've been offered part-time work (16 hrs a week) at a sitting down job (I have mobility problems) and can claim Working tax credit.

 

Question 1) I would obviously write to DWP to say I want to come off ESA, but do I have to give a reason and has anyone on here ever done this ?.

 

Question 2) If anyone HAS done this, has it affected their PIP?. I've scrutinized the PIP rules and nowhere does it state that they have to be informed if one started work, they only need to be informed if a health condition worsens or improves.

 

I would be financially a lot better off if I did do the part-time job, claimed WTC and came off the ESA so obviously wish to do so. Any help appreciated.

Edited by honeybee13
Paras
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I have no direct experience of this situation, but you need to be quite careful and consider some less obvious issues before making a decision to give up your ESA. Some thoughts:-

 

1. If you're in the Support group, the effects of your condition must be quite serious. Are you absolutely sure you could manage even part time work? Would it be possible for you to do fewer hours for a while to see if it suits you, particularly if you would be able to do that under the permitted work rules? The problem is that if you give up your ESA to start work and then can't manage the hours, you may have extreme difficulty getting back into the support group or even getting any award of ESA - if you think you're capable of work, then DWP are likely to agree with you. If you can, it would be much better to do some permitted work first.

 

2. You don't have to give a reason for stopping your ESA, but if you have to reclaim, they will know that you have been working. I'm not sure on the rules for 'linked claims' now, but it used to be that you had to reclaim within quite a short time for your claims to be linked together so that e.g. you still qualify for contribution based ESA without having had to make sufficient NI contributions. If you don't reclaim within that time, then it's treated as an entirely new claim, you'd be back on the assessment rate until your WCA and you wouldn't get any increase if they put you in WRAG.

 

3. Working should not affect your PIP unless what you are doing contradicts the limitations you have claimed, so if the rules were fairly applied there would be no effect on your existing or any future award. You don't have to tell them if you start or stop work, but assuming you have a time limited award, it will certainly come up when you're reassessed.

 

4. Have you checked the rules for WTC if you're disabled? Would you have to do 16 hours to claim? Could you possibly get help with transport costs under access to work?

 

5. Does anyone claim carer's allowance for you? Have you considered the effect on them if you start working and lose your PIP award? Also if you get disability premiums on any other benefits or someone else gets carer's premiums on their benefits, have you taken those into account?

 

That's all I can think of for now. It might sound negative, but taking a chance on returning to work could have quite serious repercussions in the future. However, if you do decide to take the job, I wish you the best of luck.

RMW

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

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  • 1 month later...

Just wanted to say thanks to Mikey Dabodee and Reallymadwoman for replying to my above questions. Haven't been on here for a while. Decided not to take up the offer I had of part-time work after thinking over the problems which may arise. Cheers.

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