consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Benefits, Tax Credits and Minimum Wage

Benefits, Tax Credits and Minimum Wage Having problems with benefits / deductions, or want to discuss entitlement etc. this is the place. Other matters include Tax Credit issues and also advice for those on / or below minimum wage.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 14th February 2008, 17:58   #1 (permalink)
GolfCaddie
Basic Account Customer
Default Incapacity question

Incapacity question,

In the past 18 months my father (in his fifties) has been certified by the doctor as been unable to work as well has having been assesed by an independent body as unable to work. When he applied for incapacity benifit he was told that he couldnt recieve it, but that the would pay his N.I stamp.

My father used to be self employed and over the past 6 years or so let his N.I contributions slip . As a result that is why he wasn't able to claim incapactiy benifit as the way I understand it, you have to have your N.I contributions up to date for the 2 previous tax years to be able to cliam incapacity.

i belive that come the end of this tax year my fathers N.I contributions will be up to date albeit that they have been payed by the govenment...

Am i right in thinking that he can now re-apply for incapacity benefit (form SC1)? As I have been recently told that the type of national contributions that the government pay on his behave are not the correct type of contributions and that only the type of contributions payed from been in employment will account?

Any advice as I' am completely confused......
GolfCaddie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th February 2008, 21:48   #2 (permalink)
Parkvale
Platinum Account Customer
 
Parkvale's Avatar
 


I am in: On the road to everywhere
Posts: 3,732
Parkvale InformativeParkvale InformativeParkvale InformativeParkvale Informative
Default Re: Incapacity question

Are You Eligible For Incapacity Benefit?
You may be able to get Incapacity Benefit if any of the following apply to you:

your Statutory Sick Pay has ended, or you can't get it
you were under State Pension age when you became sick

or you must:
  • be aged between 16 and 20 (or under 25 if you were in education or training at least three months immediately before turning 20)
  • have been too ill to work because of sickness or disability for at least 28 weeks
  • have been too ill to work before you turned 20 (or under 25 if you were in education or training at least three months immediately before turning 20)


If you’ve been living or working abroad

If you have been living or working abroad, this may affect your benefits claim. You may be able to claim benefits if you have either:
  • Paid UK National Insurance Contributions in the past (or the equivalent in other certain countries).
  • Worked abroad under an employer who is based in the UK and paid National Insurance Contributions for the first 53 weeks of your employment.
If you haven't paid enough National Insurance contributions

If you have not paid enough National Insurance Contributions, you may be able to claim benefits if the following apply to you:
  • Are under the age of 20
    • Or 25 if you have been in education or training for at least three months before turning 20
    Have been ill for 28 weeks
  • Are a present resident in Great Britain for 26 weeks in the year before making your claim
If you have been in the Armed Forces or you live and work within the European Economic Area, you should be treated as resident of the UK.What are the Incapacity Benefit Rates?

How much is Incapacity Benefit?
The benefit is paid in three different weekly rates. These rates are:
  • short-term (lower) IB is paid for the first 28 weeks - currently £59.20/week (£75.35 for OAPs)
  • short-term (higher) IB is paid from weeks 29 to 52 - currently £70.05/week (£78.50 for OAPs)
  • long-term IB is paid from week 53 - currently £59.20/week
You may be able to receive additional benefits if you qualify for the “age addition” with the long-term benefits if you were under 45 when you became to ill or disabled to work. Additional benefits may also be available for your partner or child carer that looks after your children.

How Do You Apply For Incapacity Benefit?
  • You may apply for these benefits by filing a claim online, contacting your local Jobcentre Plus or downloading the claim form online










__________________
A person is only as big as the dream they dare to live.


Good things come to he who waits


Its your money taken unlawfully from your account and you have a legal right to claim it back.
Parkvale is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 22nd February 2008, 11:39   #3 (permalink)
patrickq1
Platinum Account Customer
Default Re: Incapacity question

hi sorry to hear of your troubles i am going through simmillar problems
park could you please have a look at JOAs thread and make this a sticky
patrickq1
Benefits advice
patrickq1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Incapacity Stopped with no warning. Kerrie78 Benefits, Tax Credits and Minimum Wage 106 18th July 2008 15:42
Incapacity benefit/income support helenm1984 Benefits, Tax Credits and Minimum Wage 46 3rd April 2008 13:40
Housing benefit & Incapacity benefit DCA-KING Benefits, Tax Credits and Minimum Wage 2 30th January 2008 23:35
Incapacity Benefit sandbag General Consumer Issues 11 19th May 2007 13:11
Question about incapacity benefit removed from pay thecornflake General Consumer Issues 0 15th November 2006 17:47




The new Consumer Directory
search the web, shop online, looking for gift ideas?

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.