In February 2025 I had a review letter saying I'm getting the standard rate of PIP until 2029. However. I did a mandatory reconsideration because I should be on the higher rate. today I received a letter from the Health Assessment Advisory Service. They have booked a PIP assessment for me for 28th January - so not much time! Their reasoning: ' One of our health professionals has looked at the information you sent to DWP, as well as further information they asked for from the people involved in your treatment or care. After doing this, we have decided we need to arrange an assessment with you. this is to help us better understand the impact of your disability, illness or health condition.' So obviously they want to throw me off. However, since they've already confirmed I'm getting PIP until 2029, can they do an assessment AFTER saying I've got it? Last time I had one of these assessments, I went through hell, so struggling to stay calm with this one. The extra info I sent them is things like occupational therapy report, letters from the mental health nurse, etc, solid evidence, so this should not have triggered an assessment. If anyone has been through this same situation, what did you do? Many thanks.

Hi Guys Ive been disputing paying my council tax since I moved into my house back in 2022 and I am now following Peters guidance to take the Council to court. I am slightly daunted but determined to keep going! After sending the first letter : Final Legal Review of Equity-Based SARs. I receieved the following response which I am unsure if to respond to this? or to just send the next letter. I would really apprecate any advice particualy if youve been through a similar situation. Thanks in advance. This is the respons:Thank you for your Subject Access Request (attached) that was received on 15 January 2026. Clarification Required We are unable to consider your request in its current form. In order to consider your request under the Subject Access regime, we need you to narrow and redefine your request so that it relates to your personal information. The SAR process provides a right of access to an individual's own personal information; it is not a dispute resolution process nor is it a process for discussing speculative questions relating to determining whether council tax debt collection relies on legally defective liability orders. Please read the information below: Information and assistance on how to pay council tax is published on our website for information and this may be of help to you: Council Tax - Durham County Council Support to help you pay your Council Tax - Durham County Council Please note that the council does not require consent to process your personal data. There are six lawful basis we can use. Depending on the statutory process involved, we rely on 'processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller.' See Article 6 (e) of the GDPR. You can find the applicable privacy notice on our website here: https://www.durham.gov.uk/dataprivacy

This company are threatening to raise the cost of my debt to £527.28 if I don't respond! I'm a carer and vulnerable, I'm giving them everything I can afford! We're cold most of the time, Im paying £400 a month to reduce the debt 😭 from other family members, can they do this? They're registered with the solicitors regulatory, I've practically almost to the point of paying it off and they do this

The bot on here advised SARS on credit related debt even though I copied the letter, for utility debt 😔 it's proving the wrong direction! I ran the advice off this group, through grok and this is the response - No, this dispute letter is not fully valid or effective under UK law, particularly for a debt from an energy supplier like So Energy, and some demands exceed what debt collectors (even those posing as or being a law firm like Moriarty Law Limited) must legally provide. Key Issues with the Letter Request for "original signed credit agreement" under Consumer Credit Act 1974 (sections 60-65): UK law entitles you to a true copy (often reconstituted) of a regulated credit agreement under sections 77-79 of the CCA 1974, along with a statement of account (for a £1 fee). Creditors need not provide the original signed document, and the copy does not have to be signed or perfectly match the original form (per Carey v HSBC, 2009). Energy debts like unpaid bills from So Energy are not regulated credit agreements under the CCA 1974—they are simple contractual debts for supplied services. The CCA request does not apply here, so this demand is invalid and unlikely to be fulfilled. Request for "valid, unredacted deed of assignment" under Law of Property Act 1925 (section 136): If the debt has been legally assigned (sold/transferred) to Moriarty Law or another party, a valid assignment requires written notice to you, but not necessarily providing the full deed. You can reasonably request proof of assignment (e.g., a copy of the notice or deed) to verify their right to collect, and collectors often provide this in disputes. However, they are not strictly required to provide an "unredacted" version upfront unless pursuing court action. This request is common in dispute templates but not a statutory entitlement in the way phrased. Detailed breakdown of charges and interest: This is reasonable and often provided, especially if you dispute the amount. Under general FCA rules (CONC guidelines), collectors should provide clarity on the debt makeup if requested.