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    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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Little bump for the Angels, especially as they have all gone Awol . . .

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thank u so much uk im back from travelling the globe been on hols to rhodes veryyyyyyyyyyyyyy hot there burnt to crisp although i do have some white bits which mr kia had great fun finding :pbut my hard drive is knackered so am waiting on it been sorted which should be end of next week this is daughter puter ;)so if im hit and miss for a while dont worry will be back :Dhope all the angels are in good spirits and i dont mean too literally ;)love to u all kiss kiss xxxxxkia angel

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Rhodes.very nice, thought you'd said you were off to Wales for a few days. I know Geography isn't your strongest subject hun, but even so, there's a slight difference..............

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

becuase the sun doesn't shine in Wales;)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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because the sun doesn't shine in Wales;)

 

 

 

 

Ooohh, brave words Cf .....:D

 

 

 

 

 

 

the Welsh nurse will be out for your blood when she reads that comment. :eek::eek:

 

 

 

 

 

 

 

 

 

 

 

Back to the hypodermics again .............. she'll probably extract blood enough to drain a whole arm ... if you're not suitably apologetic. ;):p

Edited by Robdblynd
correcting charleyfarley's spelling. :-)
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Apologetic? No need dear........

 

 

It rains in Wales.................all the time, :eek:

 

I know I used to go on holiday there

 

 

 

anyway, how are you dear? long time no see

 

 

how's your bow and arrow set doing? managed to hit anything with it yet??:p

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

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How is the leg Queen T?

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I had to go looking for this thread:eek:...................clearly all the Angels have found other, more interesting things to occupy them.......and knowing them , I can make an educated guess what it is:p:p:p:p

 

 

but, hey-ho, if they're happy then they're not pestering me;)

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Oh dear Charley. Angels have run off never to be seen again. You need some new recruits . .

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Looks like their haloes have slipped.:rolleyes:

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well they keep slipping so they must have fallen I guess.

 

Not sure where you'll find anyone willing to take over for you now Charley.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Rhodes.very nice, thought you'd said you were off to Wales for a few days. I know Geography isn't your strongest subject hun, but even so, there's a slight difference..............

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

becuase the sun doesn't shine in Wales;)

no very true that georgraphy aint my strong point but right went to wales with hubby for few days for anniversary and because was going to rhodes for week so i had two extremes in one week exteme cold and then very hot and last week went to scotland for a week with a case full of jumpers thinking it was going to be freezing and it was also roasting for full week but im back now and looking around now for next hols got the travelling bug :Dsorry took a while getting back to u cf and angels no puter in scotland next trip is probably gonna be spain august for 3 days although hubby wants to go wales again so maybe another weekend :D:Dxxxkia
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I had to go looking for this thread:eek:...................clearly all the Angels have found other, more interesting things to occupy them.......and knowing them , I can make an educated guess what it is:p:p:p:p

 

 

but, hey-ho, if they're happy then they're not pestering me;)

put that cam down :shock::shock::Dxxxxxxkia
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Back to the hypodermics again .............. ;):p

 

Oh dear T..... you've mentioned the hupodermics, that'll set UK off on his trips to dodgy websites, pretending he's looking for screwdrivers and gloves and other stuff!:shock: I'm not sure he can stand the excitement! ;)

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blimey, kisskiss......Wales, Rhodes, Scotland, Wales again, and then Spain;) life seems to be looking up for you. Have you been showing your OH a little of what he's been missing for the last year:p

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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blimey, kisskiss......Wales, Rhodes, Scotland, Wales again, and then Spain;) life seems to be looking up for you. Have you been showing your OH a little of what he's been missing for the last year:p
of course i have and all courtesy of the halifax arent they nice ppl:D:Dwhen my puters sorted going after the abbey next i started it but well things stopped me but now nothing will i want to travel again :D:Dxxxkia
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anyway, how are you dear? long time no see

 

 

how's your bow and arrow set doing? managed to hit anything with it yet??:p

 

 

I'm fine sunshine, thank you. :) How's the job hunting going?

 

 

As for the bows and arrows, I've hit lots of things and am about to spend a full week shooting pointy things with lots of other people from all over the world ................... should be fun. :smile:

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It was sold a while back. I have access to 4 other aircraft now which is cheaper than using Flying club aircraft.

 

Glad to see you are getting better T...

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As for the bows and arrows, I've hit lots of things and am about to spend a full week shooting pointy things at lots of other people from all over the world ................... should be fun. :smile:

 

 

so, how does that work then? Is it a re-run of Agincourt.....last man/woman sitting?:D

 

Are you allowed shields, or do you just have to dodge about, and hope for the best?:p

 

 

Is there dubdubdub link?

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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CF ~ Do you remember the see throughs that you were running about in for many months at the beginning of the thread? :eek:

 

Well, I think they need to be returned for a little alteration. :)

 

We need to add a target to the a$$ so that T can practice using her arrows with a moving target! ;)

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opssss me thinks u might be getting used for target practice :Dxxxkia

 

 

why?:confused:

 

I was just trying to understand how this pointy-shooting works;):D

 

I've seen Braveheart and Robin Hood, and The Golden Shot..........and wheelchair basketball

 

 

I was trying to imagine them all together and see how it would work........I reckon it's definitely got potential:p

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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