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    • 3 copies court sols your file   no to mediation 1 wit you   the rest is obv.   on the copy to CEL or their sols if they state one do not give them email/sig/phone.
    • usual game by erudio in that the last confirmed deferment was about 2011 but erudio didn't issue a DN until some 5yrs later  so i was thinking of:    alternative whereby claimant intimates SB date=defaulted date and that has been registered months after the last payment . 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.   as we know drydens will claim thus its not SB'd.   sadly this case is somewhat complex in that there was some confusion by the OP upon this being paid off already, so had before they came here filed a defence stating such.    once the story was fully relayed, but which remains somewhat confusing still,  and things sorted out, it transpired this was for an honours student loan settled through Link/Thesis etc and nothing to do with the ones sold to Erudio.   it also transpired that a deferment direct to the SLC before 2013 sale, did not actually happen and SLC kept the details awaiting the OP to resubmit it, which never happened. this resulted in SLC taking payments because the Op's account was in arrears, this also latterly enabled Erudio, without permission nor any contact, to use the existing SLC DD to take payments in 2014 i think. which should not have happened.   i think thats it in a nutshell.    
    • Hi, I just wanted some advice from anybody who may have had a similar problem or might know what's going on please? Last March, just as this pandemic took hold my  husband lost his job. No furlough, no redundancy pay or anything. Just finished. We knew nothing about claiming benefits but we managed to put in a claim for JSA and then UC (they just deducted the JSA from anything we were entitled to from UC) Anyway, later in the year, I made a claim for carer's allowance as I am my mums full time carer. She receives attendance allowance. I waited several weeks to hear anything back but the claim was successful and I reported this to UC. My husband got a job again in August. This too was reported to them and his earnings meant that we received very little or nothing during that time. He then lost this job in December yet again due to covid and again we reported this and he again claimed for JSA. He got another job in January and again told UC and JSA. We received pretty much nothing and the last payment we did receive, they deducted everything that was left for a tax credit over payment that we apparently owe from previous years. We have now received a letter in our journal saying that we have had an over payment due to back pay of carer's allowance that I received last year after all the weeks of waiting. Fair enough, I don't really understand still how all of this works as we have always worked but they told us before that all earnings etc and things from DWP get reported to them anyway so they knew what carer's allowance I had recieved. I then replied to ask if we can set up repayments for this and we then had another letter in the journal saying.. DO NOT IGNORE THIS MESSAGE We are carrying out a review of your information, and so I need to speak to you BOTH about your universal credit claim. We'll be checking a few details with you on this call to make sure you're entitled to universal credit. You might also be asked to provide additional evidence but we will discuss that on the call. If we can't get in contact or speak with you, your claim will be suspended and ultimately closed. There will likely be an over payment and this will be recovered from you.   This seems a bit serious is there anything I should be worried about? Or is it purely just a review to maybe close down the account now that my husband is back in work and earning more money? It doesn't mention the over payment so I am not sure if it is about that or not but my husband suffers very much with stress and anxiety and now he is panicking over this because he thinks that they are going to make out we have been up to something when we most definitely have not. Admittedly, we have struggled with it because we have never claimed before and not been able to attend any face to face appointments etc but as far as I am concerned, we did everything asked of us. The only other thing is that I now have £2000 in the bank sitting there as we are in desperate need of another car as this one we have is on it's last legs but I was told you only need to declare £6000 and over. Any advice or anyone had the same please? Pretty confused. Thanks.
    • Using miley_b ob 's great letter as a template, is the below along the right lines:   Dear Civil Enforcement (CEL) Limited   I write in response to your Letter Before Action - Claim for Debt , which I have received in relation to PCN Number: ?????, you have issued in response to a case I have explained is baseless.   I am writing to notify you that I have no intention of paying these ridiculous and made-up sums of money, for allegedly breaking some imaginary contract with yourselves. Expecting me to pay you a baseless fine for not entering my cars registration details amounts to extortion. You already have my £2 for parking in your car park, a fact I'm sure you realise due to the fact you own all CCTV in the carpark. I would also reference the fact that the parking meter that issued me a ticket without entering my registration has since been fixed, which shows that you are fully aware of the problems it has caused.   You have also scored a big own goal by adding a £82 admin fee. Presumably, this admin fee is some sort of unicorn food tax. I suggest that you look at DDJ Harvey’s judgement at Lewes County Court on 05/02/2020 (Claim number F0HM9E9Z). He was not very happy with these made-up amounts, was he?   You can either drop this foolishness now or get a good spanking in court. The choice is yours.   Hopefully we will not be speaking again,   xxxx
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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.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      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.
       
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      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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DWP (Job Centre) - Want you to get back in to work and then set up to fail!


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That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL!

 

As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling.

I have been applying for work but getting nowhere

 

my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK,

I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc.

 

They tell me that they may have a few openings and would like to meet me

- fine, train fare to town return is £9.40.

 

As I am on UC almost £10 means a lot of food shopping and it is an amount that I can hardly 'lose' at the moment given my financial circumstances.

 

I email my 'work coach' and say I have arranged an appt with the agency and I would like to claim my fare back.

 

Guess what? DWP WON'T PAY IT as it is not an actual interview just registration.

So I say "if I want interviews I need to register so I am on their books"

- the answer (like a robot) "No we cannot pay your fare"

 

Fine, end of story, appointment cancelled

- you want to know why I have not been doing as you say and seeing agencies?

 

BECAUSE YOU (DWP) ARE NOT HELPING ME AT ALL WHEN I AM TRYING TO BE PROACTIVE FINDING WORK!!!!

 

What part of I am on UC and struggle with rent/food do you not understand?

 

Want me back in work and off UC then HELP ME WITH A LOUSY TRAIN FARE!

 

Angry? Yeah, expected this? Yeah ... DWP ... no help at all,

 

just keep cutting peoples money and offering no help at all.

 

Pathetic.

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Have you complained to your local MP?

 

This is exactly the sort of thing they need to be made accountable for, after all it's there train set, and only they can change the trisection of the [edited] DWP.

Edited by honeybee13
Pejorative terms removed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL!

 

If I lose my current job, I won't (thankfully) qualify for UC, so would fall back on claiming JSA. However, because I have a lodger, I wouldn't qualify for any JSA payments unless I made her homeless. Jumping through the UC/JSA hoops just for the national insurance contributions hardly seems worth the effort, and I most certainly will not take part in the next version of the Work Programme without substantial renumeration.

 

UC is a source of constant worry for my lodger, and the system failures in processing her payments constantly means she is in arrears with the rent. Just as well that I'm understanding and sympathetic in letting the arrears accrue.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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No... you can't eat my brain just yet. I need it a little while longer.
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Ask about programmes such as Work and Health, which are designed to help those that have had health issues back into work. JCP will refer you and the organisation that runs the programmes will pay for travel costs to go to interviews with agencies etc. The work coaches don't have access to funds themselves to pay, but if you sign up to companies that receive funding, they can pay the costs you are concerned about.

 

If I lose my current job, I won't (thankfully) qualify for UC, so would fall back on claiming JSA. However, because I have a lodger, I wouldn't qualify for any JSA payments unless I made her homeless. Jumping through the UC/JSA hoops just for the national insurance contributions hardly seems worth the effort, and I most certainly will not take part in the next version of the Work Programme without substantial renumeration.

 

UC is a source of constant worry for my lodger, and the system failures in processing her payments constantly means she is in arrears with the rent. Just as well that I'm understanding and sympathetic in letting the arrears accrue.

 

Your lodger can request for DWP to pay the rent directly to you, provided there is evidence of a rent agreement. If the lodger is getting housing costs as part of their UC claim, this should have been verified. It is simply a case of the lodger making the request and you as the landlord will be asked to confirm your details to get paid direct.

 

The rules on direct payment to landlords changed early this month. Before the process was a bit messy. Depends on how good your lodger is in dealing with their benefits claim. If they are having problems with payments, it might suggest that there are other issues, you may not be aware of. UC is a digital service, where the claimant can print off their statement showing everything included in a month, including any deductions due to be taken off. If payments are late, perhaps your lodger has not met their commitments on time. They need to log into their UC regularly to undertake any actions required of them.

We could do with some help from you.

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If they are having problems with payments, it might suggest that there are other issues, you may not be aware of.[...] perhaps your lodger has not met their commitments on time.

 

Moving just before Christmas coupled with the seasonal delays that the festive period brings were at the heart of the payment problems. Due to a medical condition, she is currently exempt from looking for work or even engaging with the DWP. Over the next couple of months, I would hope things settle down and payments are made on time & the arrears cleared. With a bit of advice and guidance on budgeting along with life skills (she is young and still finding her feet in the world), I'm sure she will get to grips with the finances.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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No... you can't eat my brain just yet. I need it a little while longer.
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Thank you to the site team for deleting the reply from yet another troll. I saw it last night and simply ignored it. I seem to attract them these days. I know I sometimes go off on a tangent and that is through sheer frustration so please let me know if I need to tone down my posts. I guess as this has not been deleted/altered it is ok.

 

I do find this a great site to vent as well as get valuable advice - it is just a shame, I guess like most sites, with people who can remain anonymous and hide behind keyboards they can get away with saying what they want provoking a reaction.

 

Keep up the good work guys and gals!

 

P.S What is this I now have under my user name "I record my calls.Do you?"

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P.S What is this I now have under my user name "I record my calls.Do you?"

 

It's an advert for Truecall, the ''Rolls Royce'' of telephone recorders, every home should have one!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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