we have been bidding on properties for over 3 years with this housing association, but in band d, after having shelter involved as environmental health say out property is not safe to live in. Shelter sent the reports and our sons report about his disabilities, we have been bidding with no problems for 3 years, then all of a sudden i couldn't log on to there system, after calling them, i was told the application was deleted due to rent arrears on a old property, of which we had paid off, but still want 1500 in charges from us!! i not happy, Environmental health have said this house is not safe, but the local housing is run by this housing association, who have now told us we can no longer bid or be with us. I've asked why they have done this after shelter got involved! they are refusing to answer us.

Supply start date Feb 2014 Dispute raised March 2014 based on start of contract meter reading and inaccurate bill. September 2014 Court date set for warrant application and stated to court the warrant process was being misused and the account was in dispute warrant declined as there was no need to attend my meter for any works or service. After the declined warrant application I agreed to have smart meters fitted and debt would be refreshed due to inaccuracy on contract start date. Debt has never been wiped as agreed, so account remains in dispute. The engineers came and declared it unsafe to sit a smart meter due to age of current gas meter, they wanted to replace the meter due to age but due to location would need to consult with national grid as walls needed to be knocked through etc etc and pipes re piped. Nothing materialised, I changed my supplier however as I have discovered today only the electric went through. I was unaware that the supplier was still supplying me and assumed I was on a dual fuel tariff with new supplier however it's electric only. I have today been issued with a notice to obtain a warrant due to debt of £3500. Last meter reading was September 2014. Have bot been provided with an accurate bill in this time. The meter still awaits replacement. Any advice on how to proceed? Upon phoning them They are adamant they either need 50 % payment or they will fit a pre payment meter and deduct 20% of every top up for the debt. I'm happy to have a repayment meter however the amount of debt is not correct

If you put an application online surely the same info is given to get you to tick that particular area of a form yet one of the big banks is saying that they dont have to pay anything as it was completed online. Can someone let us know if this is true. You can be misled online as well as person to person dont you think

If a person receives notification of a County Court judgment that they had not known about, (normally because the summons etc had been either sent to a previous address or had been incorrectly addressed etc) then they can approach the court to request that the judgment be 'set aside'. The procedure is outlined in the following 'Sticky'. http://www.consumeractiongroup.co.uk/forum/showthread.php?454644-What-Form-What-For-Where-does-it-go An application to 'set aside' the judgment or to 'stay' the proceedings is made on a court form called an N244 (known as a General Application). At present there is a court fee for filing an N244 of £155. If the person submitting an N244 is in receipt of qualifying benefits, they may be exempt from paying this fee. They would be required to complete an EX160 form. Last year the government issued a Consultation paper to seek views on increasings the fees for N244 applications (and many other court fees as well). There was an overwhelming response opposing the fee increases. Despite this, the cost of filing an N244 Application is to rise from £155 to £255. There are many other fees increases, one being the court fee for issuing a claim in the County Court. If a claim is made for a value of between £1,000 to £5,000, the issue fee will be £205. The link below is to an article from the Law Gazette. The online comments are worthy of reading! http://www.lawgazette.co.uk/news/senior-judges-lambast-government-over-court-fees/1/5053272.article?PageNo=1&SortOrder=dateadded&PageSize=10#comments

Hi, I am currently representing my daughter on the McKenzie friend basis in her claim for unfair dismissal on the grounds of discrimination ( pregancy ) We have followed all the procedures through ACAS and we are currently taking her employer through the Employment Tribunal, which has taking about seven months to get to a Trial which has been listed for next week 4/5th February 2016, this was after a previous hearing. Today i receive a letter from the Tribunal stating that the trial might be postponed on the grounds that despite knowing for a number of months that in any event, the trial would be considered by a panel rather than a single judge because it is a discrimination case, to use this as a reason, and so late in the day does not add up, they would have known months in advance that a panel would need to be assigned, so in using this has delayed even further. The Tribunal are also aware that the Respondents are in abuse of process as they have failed to abide the previous order for them to provide a trial bundle, witness statements and further and better particulars in readiness for the trial next week? Because of this we made an application for the Tribunal to make an unless order for this evidence to be giving as all of it is central to the claim and it had been previously ordered. We have also written to the other side and in anticipating the Tribunal not making the unless order, which seems very reasonable, by stating that we would provide our own trial bundle and giving them seven days to object. Since all of this has happened in the last couple of days, the Tribunal as it would appear are bending over backwards in allowing the previous orders be breached and ignored and they have also giving the Respondents more time to defend a claim that evidently cannot be defended because of the circumstances which led to my daughter being dismissed. Whilst i am not legally qualified as to adjudge it would a appear that (a) she has been denied the right to a fair hearing because her opponents have abused orders which if followed would have allowed the trial to proceed and ( b) the Tribunal could have not only made the request for that evidence to be disclosed, in postponing the trial next week, giving those facts and the excuse of needing a panel, which would have been knowledge as soon as pleadings were made, i feel this is unequal and unfair as the Tribunal are not only allowing orders to be breached, they are also giving the Respondents more time to further breach the orders. My daughter i feel has a very strong case and my theory is that because of the strength of her case, the opponents and the tribunal are doing everything in their power to keep this matter out of court. It is hard enough and most times financially impossible for pregnant woman to establish unfair dismissal claims because they are pregnant, the Tribunal who should protect, if my experiences are anything to go on make it even more difficult by allowing employers the right to ignore orders and as in this case give further encouragement for this to happen again by postponing without reason or justification. Any help would be greatly appreciated by this angry dad:mad2:

Hi everyone, Havent had to post here for a while now, but this website proved invaluable to me when being persued by Lovell and Co. Here's my new dilemma! In process of selling my home and purchasing new one. Mortgage advisor called me in to inform me there is now a problem with my application. Had previously been approved last year when started looking for new property. I hadn't checked Experian for a while as I knew my credit rating was 974 and classed as excellent. I know how important credit files are, having had bad credit many many years ago, taking me years to even get a basic bank account. I have seen my credit rating increase over the years, and know what causes my rating to dip from time to time...new searches etc. Anyway, to my horror when I checked Experian yesterday, I now have a credit score of 308...very poor!!!! I could have cried. After the initial shock, I found the culprit.... Welsh Water Dwr Cymru. They have reported for the past 3 months a debt of £495 and marked as 'Delinquent'. I was going to ring them up first thing today, but then remembered your advice of doing all correspondence by post /email. I don't believe I am responsible wholly for this debt, as the current property I live in does not have mains water. However I bought another relatives property who had passed away in 2013 and did initially have all the utilities in my name there. Never moved in, just did the property up for letting. The property had been let for the past two years by the same person. They have recently vacated the property just before Christmas. I honestly can't remember if I informed Welsh Water of the new tenant and am wondering if my name is still linked to that property? How do you think I should handle this? I can prove where my current address is and have a copy of the tenancy agreement. If it comes to light that they are still billing me for this property and not in the tenants name, can I be still held responsible for the debt as the landlord? I still have the security deposit for the previous tenant, can this be used to settle any debt? I need to sort this out quickly for obvious reasons and have these defaults removed or I wont be moving!!!!!! Any advice would be greatly appreciated. Many thanks.

Given the degree of misunderstanding about an N245 Application (together with inaccurate advice about enforcement of a writ of control by a High Court Enforcement Officer) a debtor is reporting online that her debt has increased by almost £1,000. Background: On 2nd December the debtor posted that she had received notification from a High Court Enforcement company that they were enforcing a CCJ. She made clear that she wanted to pay the debt within one month of the date of the judgment (17th November) so as to ensure that her credit rating was not affacted. On receipt of the Notice of Enforcement she contacted the enforcement company to advise that she could not pay immediately and wanted to make an arrangement to pay by the 17th December. As this was outside of the Compliance stage, the enforcement compoany correcrtly advised her that any arrangement would involve a personal visit by the Enforcement Officer and a Stage 1 fee of £190 plus vat would be chargeable. She was advised to file an N245. She was wrongly advised that enforcement would cease. ON 11th December she made a series of desperate posts as she was having trouble completing the N245 and was becoming very anxious as the matter had to be resolved within 6 days (by 17th December) otherwise a record of the judgment would appear on her credit file and remain there for a further six years. On the same day (11th December) she was advised to pay the judgment debt £890 (minus bailiff fees) online to the creditor. She did so. She also file the N245.....and paid a court fee of £50 Yesterday, she posted back in desperation. The enforcement officer has once again visited and the debt has substantially risen to £1,928 (Stage 1 and Stage 2 fees have been applied). The enforcement company stated that they had contacted the creditor a few days beforehand and that apparently, their records did not record her direct payment. This has now been amended. National Debt Line have advised her that the enforcement agent is indeed entitled to his fees. The court have not yet received a response from the creditor in relation to her N245 Application (which is about right given the Christmas period). She has now been told to file an N244 in the High Court. The McKenzie Friend has offered to refer her to his ‘solicitor’. She needs to pay another fee of £150 for this. This is in addition to the N244 fee of £155.

Hello all Please can someone help me out with a template letter for a strike out application to court for a lack of evidence provided by the claimant Thanks in advance

I applied for 18+ Oyster Photocard after being told by a member of staff that I am eligible since I am on a part-time course lasting over 14 weeks. After making the application, and it being rejected, I have found that I have to be in receipt of an NHS grant or receiving financial help from my education establishment. I have attached the webpage that I went through to make my application. I have also included the part of the terms and conditions that is relevant to me. My argument is that the webpage does not state any requirements for NHS funding, it only requires for the course to be eligible. Another argument is that the terms and conditions are confusing, namely the bullet points after either. Correct me if I'm wrong but after an either statement, and cannot be used. Such as: either A and (B or C), in this case A should not have come after either and should have been with the original set of bullet points either (A and B) or C, then in which was A and B do not need to be separate statements but could have been in the same bullet point. I understand this can be confusing and I might not have a valid argument, but any help is much appreciated. I don't see why someone in receipt of grants and financial help gets to reap the benefits of this scheme but not someone like me who is working hard to put myself through education, barely earning £8,000, most of which goes towards tuitions.

]In a case involving the family, a close relative of mine has almost certainly been unexpectedly included in a elderly relative's Will to the tune of many thousands of pounds. A substantial sum. However, the elderly relative passed away earlier this year, and the sole executor, the only offspring has subsequently delayed the process of probate, to the extent he has not yet made an application. This intelligence is borne out by the online probate registry which as yet is not showing any reference to any application, and therefore no information on the Will. The Executor would have been expecting to inherit the whole estate from his sole surviving parent, and would therefore have been extremely upset when he read the Will to discover that he had not in fact inherited everything. Indeed a sizeable chunk, close to a six fire sum, had been allocated elsewhere. I cannot find any definitive information about this scenario. What happens if the Executor simply declines to register the Will? Does that mean eventually he can claim there was no will/the will was not valid - it is his responsibility as I understand it for him to prove it is valid if there are questions marks ( and it is in his interests to indicate there are); does 'intestacy' rules then kick in, in which case he would stand to gain everything as if the Testator's instructions were set aside. Is there a time period during which an Executor is legally obliged to make the application? I cannot find any reference to this. And finally, is it possible to somehow 'contest' the will, perhaps argue it is invalid ( undue influence etc. or something along similar lines) before it is even necessary to apply for probate, get the Will effectively invalidated, and then claim as the Testaors only immediate relative/offspring of the Testator the inheritance under intestacy provisions? Or, could it be explained that the main assets a property, currently on a leased tenancy cannot be sold until the tenancy is terminated, and that is the reason why the Executor is holding back. I detect a pungent odour of rodent in this current scenario, and that the Executor is cooking something up, but what?

After some research on here I now know the true horror of what Vodafone have done to me. To cut a very long story short my Vodafone account was closed early and paid up by me in June (so I thought) PAC code transfered all done. Goodbye Vodafone - hurrah! Get a letter in September saying I still owe £90odd . I have contacted them on many occasions saying please can I have an invoice so I can see why you think I owe this? Athough promised each time nothing received, next I get mail from debt collection and then black mark on my (previously perfect) credit history - Just as I'm apply for a mortgage! Thanks Vodafone!! they can say I owe them something , not produce an invoice to back this up and then ruin my chances of getting a mortgage with absolute and complete impunity! On the advice of my mortgage broker I paid the o/s amount to minimize the damage. When I did this I was told i could speak to the team that placed the marker against me as I wanted to explain it was paid late because vodafone did not supply me with the information required to resolve the dispute and therefore please remove it. After the amount was paid I was put through to sales! When I called back to try once again the line was dropped after 50 minutes . I just dont have to time to spend many more hours on the phone to receive empty promises. So even after paying an amount that im not sure I owe I still have got nowhere in clearing my name . Its shocking and I cant think of any other industry where people could behave like this and get away with it.

Hi All, I had applied for TE7/TE9 application recently for out of time witness statement towards a PCN, which got rejected. I intend to file N244 for a review of the decision and needed advice in relation to it, which will be much appreciated. Overall issue- -> 2 PCN from London Borough of Redbridge with contravention date 10th and 12th Feb 2015. -> As per claimant witness statement for both the PCN - NTO 18th FEb 2015 - CC on 24th Mar 2015 - OR/WS on 15th April 2015 - WoC on 28th May 2015 - SD out of time on 19th Aug (1 day before it I got to know about it from enforcement agency Confero and applied for TE7/9) -> Moved to new house on 14th Feb and applied for DVLA address change . DVLA updated it on 25th Feb 2015. Detail Event I am starting with the order of events in chronological order best to my recollection towards it before I present my queries. . 18th August, 2015 1. I received two letters from ‘Confero Collection’ heading Notice of Enforcement in the evening. Letter 1 Issue Date – 13 August,2015 Payment Due Date - 25th August 2015 Money Owing to – London Borough of Redbridge(LBR) Amount – Debt - £ 172 ,Compliance Stage Fee - £75 = Total £247 Letter 2 Issue Date – 13 August,2015 Payment Due Date - 25th August 2015 Money Owing to – London Borough of Redbridge(LBR) Amount – Debt - £ 172, Compliance Stage Fee - £75 = Total £247 19th August, 2015 2. I called up Confero in the morning asking what the notice is about. The Lady on the phone said it’s towards the two PCN for which I owe debt to LBR and helped me to view the CCTV image of the same from the Redbridge website. Before I could explain or contest on it, she told me I have to call up LBR council in regards to it. 3. After speaking to Confero I tried calling to LBR and manage to get the right person around lunch time. I mentioned the two PCN no# and tried to explain the situation towards it. The person explained he cannot do anything or help me out as the matter is in the county court and I have to get in touch with TEC to get it off from court proceedings before they can here any of my contestation and suggested that I should do it right away. 4. Then after having lunch I tried calling TEC and after repeated attempt manage to get somebody over phone. I explained the situation and gave the two PCN no# and she said I have to file TE7/TE9 (which she emailed me later after the call )separately for each PCN and email it back to them .Once they receive the correct application, and if its before1600 hrs, then it will be processed and notify LBR the same day. After which I will have to wait for the decision. [My understanding after the call was that was once they receive the correct application it will be off court proceeding and decision will be on the PCN. So I intended to call LBR next day to talk on the PCN and explain my situation before they make the decision.] 5. After the above call I got the TE7/TE9 form from TEC, which I filled up correctly for both PCN. In TE9 My declaration was - I did not receive the Notice to Owner /Penalty Charge Notice For TE7 I didn’t paid much thought on reason when I was filling it and gave below explanation, which at that time was the reason for filing it. I was in rush to apply the application so that they receive it before 1600 to get the whole thing off from the Bailiff’s involvement. “I did not receive any communication on this until 18th August 2015 (from enforcement agent). I need additional time so that I can discuss this with Redbridge Council.” [Which I regretted later for not providing full details] 20th August, 2015 6. I called up LBR in the late morning to check if they have received any communication from TEC and then explain the situation on the two PCN itself. The Lady over the phone confirmed receiving the fax from TEC on TE7/TE9 for both the PCN. But said she cannot do anything towards the PCN and I have to wait till LBR makes a decision on the application that I filed with TEC. Then I told her that I am confused as I thought whole thing I did was to discuss about the PCN itself with LBR and any further explanation went in vain. Towards the end of the call she said she will be informing the Enforcement Agency (Confero) to hold the enforcement action till further notice from LBR, when I asked about it. 4th September, 2015 7. I received two letters from LBR towards two TEC applications that I filed in regard to two PCN. Both the letter explained the council wishes to oppose the Out of time Statutory Declaration The letter also included document heading “Witness Statement of Claimant: London Borough Redbridge”. Letter 1 (1st PCN) Dated – 26 August, 2015 Contravention Date – 12th February 2015 – PCN issued from CCTV 18th Feb 2015 – PCN was sent to respondent by 1st class post. No representation or payment received. 24th Mar 2015 – Charge Certificate was sent to respondent by 1st class post. No representation or payment received. 15th April 2015 – Order Recovery/witness statement Notice was sent to respondent by 1st class post. No representation or payment received. 28th May 2015 – Warrant of Control was issued to Enforcement Agent 19th August 2015 – a faxed copy of respondents out of time Statutory Declaration received from TEC. The letter included the details of what they advised me over the phone and the reason to decline it is as below:- “The statutory declaration was made from different address than to the address PCN was issued and respondent has given no indication in the statement that they have moved or to confirm they have their mail redirected. Therefore respondent didn’t take adequate measure to notify DVLA or have their mail redirected. “ Letter 2 (2nd PCN) This is exactly same as above except the contravention date – 10th Feb 2015 [i moved to new address on 14th February 2015 evening and applied for address change to DVLA on next working for both Driving license and Vehicle logbook. The new logbook that I received later has updated entry as of 25th February 2015. So DVLA should have the new address from 25th February 2015. Regarding mail redirection, I did not do it as I had applied and got the address changed for bank a/c, utility…etc over phone and wasn’t expecting any letter. ] 7th September, 2015 10. I called up LBR in regards to the letter received above on 4th September 2015 and explained the DVLA address change dates to see if they will listen to me and change their decision before they notify TEC of their decision . It seemed it was the same lady from LBR I spoke on 20th August 2015 but was disappointed to find her persistence on the fact that it’s my mistake that I had not set up the mail redirection and didn’t listen to any of my explanation . She confirmed towards the end of the call that they are going to decline it and I cannot do anything to change their decision. 10th September, 2015 11. I received two letters from TEC in regards to my TE7/9 applications. The letter is dated 7 September 2015, pretty much with same standard response format that I see here in the forum, that’s it’s refused and I have 14 days to file a review through N244. I needed some advice on the mail redirection part , can that be viewed by district judge as negative aspect in reconsidering the appeal .Does it mean it can be used for legal argument. :Thanks

Hi all, It would be literally life changing if you can help with this one! Last year I checked my credit file and found I had a CCJ. The claimant was the managing agents for a flat I owned, the amount £1314 and it was registered in November 2012. Being a bit worried about the word CCJ I paid it immediately (Dec '14) and then set about investigating it. It turned out that despite notifying them of a change in correspondence address (I moved out and tenant moved in), they had been writing to the flat to notify me that my standing order for ground rent wasn't set up properly (I think after changing bank accounts). The tenant, I'm sure thinking he was being helpful, kept my post safe for me until he moved out!! The pile was nearly 1m high when I eventually reclaimed it! After a bit of internet investigation I figured I had grounds to have the Judgement Set Aside by Consent - I spoke to the claimant and they agreed to have it set aside they got their solicitors to issue a "Consent Order". I sent this with the correct forms and my own explanation of events to the courts along with £50. After 10 days or so I received a letter back from the courts telling me that my application had been rejected as the judge felt my application amounted to "credit repair". It went on to say that the judgement was paid and would be marked satisfied on my credit file. Fair enough I thought... That was until I recently applied for a mortgage and the underwriter informed me that I was "out of policy" until the debt had been cleared for at least 3 years. You can imagine how frustrated I am now with hindsight that the judge had felt it necessary to reject my application. Why would ANYONE want a judgement set aside if it wasn't to repair or reset their credit?! Surely he should of considered the facts rather than base his decision on opinion?! I paid a debt as soon as I found out about it and I've ended up with a 3 year sentence - you'd get as much for aggravated assault! I've spoken to the court again and despite it being longer than 7 days, I can apparently fill in a different form and send another £50 to appeal the judgement. My question, albeit a little long-winded, is: what chance have I got of winning an appeal? I don't want to throw another £50 at this and end up with the same result BUT if I knew I could get it set aside, I'd happily pay a hell of a lot more! If someone thinks they might be able to help, I'd happily pass on any documentation I have. Thanks.

I'm not sure if this is the right section but has anyone completed the competency based questions on a civil service application form before, as I'm stuck with it. I've completed most of the form but just need to complete this section. Thanks

Hi, Around 4 Months ago I sent a CCA request off to First Credit after they contacted me with regards to a HSBC CC I used to have. today I receive through the post what they claim to be a True Copy of the credit agreement but all they have sent is an application form with just my name and current address on it in somebody else handwriting and a photocopy of a booklet with the terms and conditions on it which is so poor quality it is unreadable. As far as I understand this is not compliant am I correct in that understanding, if so what do I reply back with please? The card is pre-2007 if that makes any difference. Thanks.

I applied for student visa in 2011 with the help of 1 consultancy. They charged me £1600 for this service. I done bio metric and was waiting for reply till today. In between i communicated to UKBA several times . Today i came to know that i am victim of identity theft. This consultancy who helped me for my application, withdrew my application without my concern. Even they changed my communication address to their office address without my knowledge. I never authorized them to represent my file to UKBA because they are not registered as OISC. I just took help to fill the form, find the college. Now after longtime waiting for an application i contacted to UKBA for returned my documents as i wanted to go back home. They told me that my application was withdraw with the reason that my mother is passed away in 2011 . So they returned that documents to that consultancy address . UKBA advise me to take help of local police to go and get my documents. i done so but the owner of the company denied. now police advice me to go to County court to sue him. Please advice me if someone can help 1 Is it possible for someone to change my application address in UKBA without my knowledge 2 How can i get my documents back

Recently, I have been seeking a mortgage and have been to three mortgage brokers to get a mortgage quotation. Since receiving quotations I have selected a mortgage broker to act on my behalf, making my full credit report available to them, and also presenting all the required documents required for the application in principal. Before, I selected this broker, a previous mortgage advisor, has decided to obtain a mortgage in principal without formal consent from myself, which has had a negative impact on my credit report as he did not have access to it, and I have not given him my report as I had not selected him. Also the broker has not been presented with any of the supporting documents required by a lender. Could you please advise me of where I stand in this situation? Many thanks, M

Following the loss of my late husband I have submitted an application to the DWP Social Fund for assistance with a Funeral payment. At the time of telephoning the DWP the clerk obviously hadn't had empathy training but that's being dealt with seperately, but he sent the form out. Apparently, their rules are that they will make payment(s) directly to the funeral directors if the whole amount has not been paid in full. Surely that implies I wouldn't pay the F/D and brands me a thief of public funds? I have paid the third party dispersements of £3K (short term loan from family friend) in order to book the funeral and the balance is just over £2.5K (without headstone). If I cannot get this decision changed it will leave me in very deep financial difficulty I am trying to locate the DWP Director of Social Fund unit to raise my concerns with them about the handling of my application and would appreciate any guidance on this matter. I have searched the gov website etc but to no avail. NOTE: I am aware of my other similar post regarding this matter but as this is to do with benefits I thought I would try to simplify it for this area and to remove the sensitivity from it - Hope that is ok? Thanks in advance. Shelley

Hi, my doctor has advised that I apply for this benefit. I currently receive ESA but have yet to get 0 points in my medical and then win my appeal (I assume it is the same now as it was years back) My problem started about 5 years ago. I was taken to hospital as I had really bad chest pains, had ECG and such and was eventually given a diagnosis of costochondritus. For the next few years I was taking naproxen even though it didn't seem to help. Back then I got an 'episode' maybe once a month and each attack lasted approx 8 hours. It did not affect my life very much as it wasn't very frequent. Also it always seemed to happen at night, so I just pretty much skipped an hour sleep when it happened and writhed around in pain until it ended. Fast forward to last year, I gave birth to my son in July. Oddly enough I did not get ONE flare up during my pregnancy..which confused both me and my GP as usually conditions worsen during pregnancy. Since having my son though, the pain has been near constant. I get maybe 4-7 hours relief from it per 24 hours, and this can be at any point. As such I have to sleep whenever the pain lessens, which I'm sure you can imagine is affecti9ng my life in a msaaive way. Turns out that it couldn't be costochondritus because its in the wrong place. It is on the right side of my rib cage instead of down my breastbone. New GP was concerned that I had been using naproxen for so long and arranged for me to have a tube down my throat to check it hadn't given me ulcers or anything (an ordeal in itself, as I have a dreadful fear of gagging/vomiting/anything like that). Anyway, it turned out I was fine and so the investigations into what was actually causing the pain began. I have had 3 xrays, no end of blood tests and am due for a scan on my liver as apparently liver problems can show as pain in ribs... I have been given no end of painkillers, none have worked. Currently I am on gabapentin (doc is ruling out nerve damage, and apparently if its nerves gabapentin will help) and acupan. In the past year I have been taken to A+E 4 times as the pain has been just too much to manage. I get gas and air in ambulance and a shot or two of morphine which tends to work. I was given oramorph for at home at one point but it made me feel sick as a dog and only slightly helped the pain. So yeah, no fun. Obviously doc signed me off as its just impossible to have a normal life, let alone work when I am like this. I am signed off until such a time as they find out whats actually the problem and fix me, or they can find some painkillers that actually work. I have an appointment at the pain clinic next week where my doctor assures me they will not stop experimenting on me until they find a tablet/combo that actually helps me. As I am expecting to fail my ESA medical despite having countless consultant reports and doctors notes, I am slightly wary of applying for PIP, as I understand it they cannot award you until you have a 'medical' so this would bring my medical around faster I think. I know on appeal I WILL win but its the months and months of having reduced money and the new rules of apparently having to wait for a reconsideration etc before appealing (during which time you get no payments as I have heard) thats really bothering me. Currently I am struggling a lot for cash, as I do try to get out of the house to do shopping, or even take the kids to the park during my pain free hours...however when it comes back, I need to go home immediately..as neither me or my partner drive, this tends to mean taxis, which get expensive. This thread is basically asking, does it sound like I would actually be entitled to PIP at this time? I don't want to bring on my medical early if I am going to be turned down anyway. I know the medical is inevitable, but I don't want to be going through being even more skint before I need to be, if that makes sense... Also what questions would I be asked on the phone when applying? Or do you just call for an application pack?

is there anyone to help or anywhere i can get help to complete a pip application. ive been on long term sick /esa over a period of over 10 years , the last 2 years have got even worse . i had a ftf esa assesment around christmas and have still not heard back even though esa is still been paid . in the last 2 years i have gone through been partly diagnosed with epilepsy even though im still having my meds changed frequently and have just been invited for a 5day stay in hospital for more tests (i have a phobia with hospital stays) suffered a massive heart attack last april that took 3+ hours of mis diagnosis causing 44% muscle loss in my heart. then only 1 year 5 days later suffered yet another heart attack @43 years old ,with the hospital refusing to stent ,stating i would be fine for a few months even though i have now another 20% reduction in heart strength . iv spent the last few weeks wondering would i qualify , i also have a back /leg problem that led me onto sickness benefit to start with after a fall years ago that nearly killed me . everyone says yes but my head these days is so bad i cant even work out the forms there so confusing . is it possible for a company /person to do this . im on 16 different meds a day for the rest of my natural and basically im waiting for the next heart attack to happen . its making me so depressed as even though i was physically disabled before to an extent , im now getting mentally disabled as well and struggling to cope with accepting that this could be my future fitness . even the cardiologist couldnt work out that why i was sufferering breathleness and suvere temporal pain 3 weeks prior to my second heart attack . so how would a pip assessor work out whats what . i dont know how to put down each individual thing out on paper. and my wife bless her isnt intelligent enough to actually write this down comprehnsivly enough .

I am in the process of completing a new mortgage application to an overseas bank for a property abroad. What information can the foreign bank access with regards to my current account ,savings ,and share assets I hold in the UK?

Received letter from 1st Credit whom I have been paying £30.00 per month for a CJJ from a debt originally Lloyds CC. I have been paying the £30.00 per month since the CCJ was obtained April 14, I have not missed a payment since then. I received this letter with their intention to review my account with a view to applying to the court to obtain a charging order to secure our interest against my property. The letter also states that they want to know if my financial circumstances are likley to change in the forseeable future? I wish I knew. At the end it also states "It is not our intention to pressurise you into paying more than you can afford and therefore we may ultimately decide that applying for a charging order is a reasonable and fair outcome." Should you wish to avoid this action please contact us on 01737 237374 etc. Can some one advise / help with what to do next ? Thanks in advance There is very little equity in the property if any at all!

Can someone please shed some light on this? I've previously lodged an incidental application to have this case sisted, but was instructed to file a defence. A date for proof was set, but now it seems that the pursuer are trying to discredit me (again, and moreso), but still fail to present any evidence to support their claim. I took delivery of this summons tonight, and the hearing on incidental application is tomorrow at 10am. Is there even any point in attending?

Hi, I'm hoping someone can give me some advice on how to handle this latter. This last week, I've recieved a Notice of Application for Attachment of Earnings Order. It appears, Hillesden Securities Ltd obtained a CCJ against me back in 2011 without my knowledge. I don't know what this debt is for and I've no recollection of receiving court papers for this CCJ and therfore I was unable to submit a defence. I was living at the address on the CCJ at the time (I am not any more). I want to find out what this supposed debt is, whether it has been properly executed and whether the CCJ is valid or if I have grounds to ask for it to be set aside. I need to submit the N56 form promptly, but how would I go about requesting that the court hold off issuing an order until I have ascertained whether I can get this CCJ set aside? Having a Attachment of Earnings order may well affect my job. Also, my partner is in receipt of DLA. I note that the N56 asks if she earns a wage, but appears to only ask about benefit and also expenses if they are mine. Obviously, DLA is specifically paid to help cover the expenses of dealing with a disability, so I don't wan't this included in calculations of income. Your help would be greatly appreciated! Thanks! Further to this, it seems that: The default amount was for £5872 The CCJ is for £6192 They want £6452.02 now Can this be right?

I've recently had Court papers sent to me because I made a mistake. I lit a bonfire and didn't make sure it was out before I went to bed. As a consequence, the fire caught again and damaged my neighbours garage. I offered to pay for the damage but my neighbour refused my offer and is now taking me to court. My reason for not paying the claim is that he has repaired the damage but has also used the opportunity to improve the structure e.g a metal roof replacing a plastic roof. His claim is through a solicitor and I have defended it as agreeing to part of the claim but not the full amount. I got some documents from the court asking me about mediation. I sent them back 2 days ago saying I would agree to mediation. Today I got a letter from his solicitor saying they will be applying for summary judgement. I have no idea what they mean. I was quite comfortable with mediation because I know that is just a discussion to reach agreement but what is summary judgement?