Hi guys, I took part in a WCA not long ago (I've been on ESA WRAG for the last year and this was a reassessment). They found me fit for work but I hadn't been able to secure all my medical evidence in time so instead submitted it along with my MR and the decision was overturned and I got letter saying I had scored the 15 points. Now here is the confusing part..... before I had all my evidence (and could submit my MR) I had to claim universal credit for around 4-5 weeks. I didn't fit the gateway conditions but I didn't have a choice at the time. I wasn't informed I am living in a "Live service" area and should have claimed old style JSA instead of UC I was just told to claim UC, now that my decision has been overturned will I go back onto ESA or will they try keep me on UC? I'm concerned as it means I lose out on money and apparently will be subjected to harsher conditionality (And shouldn't be on UC in the first place). I don't even live in a full service area. Does anyone have any idea what will happen? or what my next steps should be? There wasn't a change in my circunstances at all I was just forced to wait for more medical evidence and then appeal the decision and had to make a claim for UC or i'd have been without money. Thanks in advance for any help. Universal credit is really making a big mess of things.

Hi, I received a claim form Northampton CC for an old MBNA debt. It was issued by Restons. I filed my defence stating the debt was Statute Barred as it was over 6 years since the last payment/contact. They however contest the last payment was inside the time, the state 2 payments were made inside the 6 years. However I have proof from Bank Statements and also my Credit Report that no payments were made as the account balance recorded by MBNA and sent to the CRA's was the same amount for this period (therefore no payments could have been made). Restons do not know I have this evidence as I only managed to dig it all out recently and I did not have time before submitting my defence within the timeframe allowed. The claim was stayed by the court but Restons have now sent an N244 form asking for the stay to be lifted, my defence to be struck out and Summary Judgement to be given. What do I do now? I was going to submit my evidence as and when the court asked for my Witness Statement. Please advise, thanks.

Hey guys, first time posting here. I just submitted the 'cancel my membership' form for my xercise4less membership. I did this because my 12 month student contract is up and according to my local branch I was now 'eligible' to cancel. I feel I may have messed up because in the 'additional comments' section I put my reason for not renewing was because I have permanently moved away. I am concerned they may ask for proof of this? Can they ask for proof of moving away even when you have completed your 12 month contract with them? Surely they won't ask for proof even when the contract is officially up? I could have put the words 'I hate this gym' or 'i can't be bothered to renew' Thanks, Mike can they ask for proof of moving even when you are out of your 12 month contract?

this is about a Vehicle that needs around 3,500 - 4000 Costs in Repairs or a Full refund. its been over 2 Weeks since I sent the required Extra Information to Claims Team that they asked for . Today I received this email. "I have checked with management and your file is still under review and hope to have a decision to you by next week. Should you have any further queries, please do not hesitate to Is contact us." I Received this email about 6 Days ago "I am sorry to learn of the difficulties that you are experiencing with this merchant. Section 75 of the Consumer Credit Act 1974 covers purchases made using the card costing between £100 and £30,000, where a misrepresentation or breach of contract has been proven. Please be assured that a complete review of your claim is in progress and I will update you as soon as possible. " I was told on the Phone 7 - 10 Days it has been over that. Really not happy about the amount of time they are taking. Is there anything further I should do at this stage ? Its causing a lot of issues in the House and costing us money. I am planning on going Small Claims Route if I need to. as I am pretty sure it is clear cut case It has been just over 4 weeks since Lloyds where made aware of the Issue. .

Hello, I hope I'm posting this in the right place. My apologies if not. I took out a contract with Unicom in 2008 for my business premises, which I closed down in September 2009. I remember getting a big bill for cancellation of contract which I could not afford to pay. I can't remember the details but I know it went on for a long while, with many telephone calls and letters. I have heard from Unicom again today - so six years after my initial problems with them. They have written to my home address, which is different from the home address I had six years ago. There were two letters, t he first dated 1st September (I got them both today as I have been away and had a pile of post waiting to be opened!) They sent a draft county court claim form, saying that they are claiming £490. They said in the covering letter that if I pay £184 in the next two weeks this will clear my outstanding balance. The second letter is dated 16th September saying as they did not hear from me then they are now submitting the claim to court for £587. Where are all these random amounts from?! As it has been so long since I closed my business, I have no trace of my original contract or previous correspondence from them. Does anyone know what I can do, apart from just wait and see if a court form actually appears? Also, I check my credit report each month with Noddle - and there is no outstanding debt on there from Unicom.

I would appreciate help iro submitting my defence which is due on 05/07/2014. AOS was submitted on 19/06/2014. I have attached relevant docs. The Credit Agreement was provided following a CCA request to Marlin. As it was too difficult to read they then provided the letter of 23/01/14 with a typed out version of the declaration. I believe that I had a default notice from Northern Rock in 2009 and have received the statutory notices each year. The loan was opened in 2001. The last full payment was made in October 2009 and token payments were made in Dec 2009 , Jan 2010 and Feb 2010. N Rock were aware of my financial difficulties at that time. I have not received an actual deed of assignment... just the attached letter and similar letter from N Rock.

Hi everyone, years ago I served the usual letters of request, Affidavit, Notice of Fault and Estoppel on Marbles credit card. I then obtained from [EDIT} a Notorial Certificate of Service. Years on, Lowells are now taking me to court over the debt. Has anyone been successful in court with this type of submission and with a Notorial Service please.... or is this not worth the paper written on? Any advice would be gratefully received.

Hello, I have had considerable trouble submitting my ET1 form for unfair dissmissal. Initially I try to complete the PDF online form as advised by the Citizens Advice Bureau. I use a apple computer and could not fill in the fields. I was told by the 0845 help line that this was an issue with apple and the browser. I then went to an internet cafe to use a PC. I filled the form and pressed the submit button. I received no confirmation on screen. The next day I tried to call the East London Employment Tribunal office but could not get an answer and I tried several times. I then tried calling the central london et and spoke to a man there. They had no record of my ET1 form. He advised me that I should fill out the PDF and save it to my computer and then email it to east london as an attachment. He then dictated the email address londoneastet[at]hmcts.gsi.gov.uk he then changed it to eastlondonet[at]hmcts.gsi.gov.uk, I went through the address with him twice as he seemed unsure the first time. Some time elapsed befoer I submitted my ET1 as I had the chance to see a lawyer and refine it. I then sent my completed ET1 form attached to an email on the 19th May 2013 11:23am. However I did not receive confirmation again and it turns out that I was given an incorrect address for the East london ET which is actually eastlondon[at]hmcts.gsi.gov.uk so there is no 'et' at all in the address which is the only office on the contact list I have found that does not use the 'et'. I called the east london office on the 3rd June 2013 and spoke to a lady who informed me they had not received my form. she said send it again , so I forwarded it to them so as they would see the original date that it was sent and immediately got a confirmation back that they had at least received the email, this was on the 3rd and my last day of the 3 month and 1 day period was the 27 may 2013, which I was well aware of. I phoned the central office and asked for the east london office email and sure enough they gave me the wrong one again. They have set me a tribunal date and given me a case number. I am still very anxious that the company I am claiming against can say that I was out of time even know I initially sent the form on the 19th May 2013. Should I be worried about this? I feel I have been let down a bit by the ET people and the anxiety comes from not really knowing how this specific situation plays out especially as I have spent a considerable effort getting my case together. Any advice would be most appreciated as I am having to fight this case myself. Please note I have had to change the @ symbol for [at] as the email addresses are purely to outline what went wrong and not for use.

Hi Guys I'm a little puzzled, to cut a quite long story short, I was told yesterday 29th October by a HB officer that they have a letter on file for me dated 28th, that will be posted on the 9th of November after it has been checked by a manager to confirm the decision. Apparently the letter is to inform me that HB are taking my appeal to a tribunal. I thought it worked the other way around, I appeal they do not uphold the appeal and then I ask for it to be heard by a tribunal. The only reason i can think that has caused this strange reaction, is that as a part of my appeal I challenge regulation 100 on a point of law. Is this legal, HB taking my appeal to a tribunal to help make the decision? If it is what happens to my right to be heard by a tribunal if my appeal is turned down? If I'm allowed a hearing will the same people be on the tribunal? (wouldn't seem very fair) If anyone could shed any light on any of this that would be great Thank you for reading