Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
  • Our picks

Phil121176

Dreaded letter has arrived ***Resolved****

Recommended Posts

Hi 

 

received my letter this morning about assessment for my esa claim :( is it still run by Atos or someone else? Dreading going through all this again :(

Share this post


Link to post
Share on other sites

Run by a different company. Better than ATOS, but still use same points based system.

 

If you have evidence from your own Doctors, make sure you send to assessment centre before you attend your assessment.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thank you unclebulgaria,my doctor understands my problems,do I ask her to write something for me about the problems I have? Do doctors usually help out

 

thanks

Share this post


Link to post
Share on other sites

The work capability assessment is based on how they assess you on a particular day.

 

If you regularly see a Doctors and they have a better understanding of your health, then yes ask your Doctors for a letter, just confirming your current situation.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I always take someone with me, they take notes, and speak for me when I am having difficulty explaining things. 

The assessment was done in the same building Atos used, but not by Atos.

 

The result for me this time was being placed back in the esa support group,

my physical ailments were mainly given as to the reason why.

 

I strongly believe having someone with me, and good advisors (here in CAG) has been a great help.

 

They said work

"could be considered within 18 months" at the end of the report,

I felt like it was the weakest attempt they could make to please the dwp. 

 

Since then my benefit has changed to UC and I have been told I "may" have another wca at the end of the 18 months. 

If this happens I will take someone again and follow through in the same way. 

 

I think they still do recorded assessments,

I couldn't have one last time as they said I had to be there for 8.00 am and be prepared to wait a couple of hours or so in a queue,

 

they knew full well my daughter has a son in school with health problems and couldn't have come with me,

so I had to have one without recording....

when we got there at 9 ish I think it was,

the waiting room was empty,

so this queue wasn't there then. 

 

If time scales aren't an issue I would go for a recorded assessment at least.

  • Thanks 1

Share this post


Link to post
Share on other sites

Thank you Ruby.

 

how long does it normally take for the decision to come in the post?

Share this post


Link to post
Share on other sites

It varies, at a guess i'd say anything between 3-6 weeks for me over the time, but I don't think there is any actual set waiting time.

  • Thanks 1

Share this post


Link to post
Share on other sites

I have my assessment on 3rd October.I’m already panicking in case they find me fit for work :( I did go to see my doctor about giving me evidence and she said they have already sent her a form to complete and send back,I hope everything goes my way next Thursday, so scared :(

Share this post


Link to post
Share on other sites

I hope it goes well for you.  Hopefully your doctor's input will do the trick.  

Share this post


Link to post
Share on other sites

Hi

 

Today was the the day of my assessment but I got a call from them this morning and they said they have cancelled my appointment and I will hear from dwp in a few weeks

 

i thought they were going to give me a new date but he said I no longer need to attend the assessment and repeated. About hearing from dwp in a few weeks.

 

what do think has happened?

 

thanks

Share this post


Link to post
Share on other sites

Hi....I cant be definite in your case, but this happened to me a while back, and it turned out that there was no assessment and the assessor had returned my file to the dwp, the result was I stayed in my benefit and no assessment.  I am pretty sure they cant find you fit to work without an assessment, as that's what its all about......so hopefully you will hear good news soon.  I really hope so.  Good luck.

Share this post


Link to post
Share on other sites
33 minutes ago, Ruby_Tuesday said:

Hi....I cant be definite in your case, but this happened to me a while back, and it turned out that there was no assessment and the assessor had returned my file to the dwp, the result was I stayed in my benefit and no assessment.  I am pretty sure they cant find you fit to work without an assessment, as that's what its all about......so hopefully you will hear good news soon.  I really hope so.  Good luck

Thank you

Share this post


Link to post
Share on other sites

Sounds like they have advised DWP to continue with current award, until a future assessment outcome decides otherwise. 

 

 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Received my letter which said I’ve been placed in support group which I was already in,so good news they’ve left it as it was,what a huge relief! 

Share this post


Link to post
Share on other sites

You can ask them for a written statement of reason, so you understand how they have made their decision to keep you in the support group and when they will next review this.

 

Make sure you maintain regular appoinments with your own Doctors as required by them, so there is a record being kept.  So if you needed your Doctors help with benefits assessments ec, this can be arranged.

 

You may be surprised that some people with health conditions, sometimes don't see their Doctors for extended periods of time, which then makes it difficult for their Doctors to complete reports required by benefits assessors,

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thank you for the advice unclebulgaria 👍

Share this post


Link to post
Share on other sites

Hi

 

 Just so you are aware of exactly who carries out these assessment since Atos lost the contract it is now Maximus (you will see a different name on the website and paperwork but it is Maximus) that carry out these Assessments different company and they are an American company whose contract has been extended until 2021.

 

If you look at the website for the company in the UK (that DWP use) they call themselves 'Health Assessment Advisory Service' got to the bottom of there website and look to the left under 'Centre for Health and Disability Assessments' and look what it says.

 

https://www.chdauk.co.uk/

 

Do an internet search for Maximus medical assessments in America.

 

This is an American Company carrying these Assessment out and they certainly wont be doing it without a gain to them.

 

 


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...