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
|
Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | Do your Internet search here:-
| | | 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 Are you a victim of unfair trading? Check it out The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file? Check it out | | | | | | | 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 |  |
18th March 2008, 09:08
|
#3 (permalink)
| | Gold Account Customer | Re: HELP plez. old lone parent If your fit and healthy then you will have to start claiming job seekers allowance, and actively seek employment,once your income support stops, the goverment recently stated that people claiming incapacity benefit would have to proof there are unfit to seek work, and i have heard of some peoples benefit just been stopped untill medically seen by one of there advisors and had a re-accessment, job-seekers does paid less than incapacity benefit, hence why alot of healthy well ableied folk try claim it, as more money for doing nothing, see rates on the JSA website at Jobcentre Plus this site will also give information on what benefits you can and can't claim, once your child reaches a certain age...If you are not able to work due to ill health then claiming ICB would be the route to take, but otherwise job seekers would be the benefit you would be claiming after there stop your income support....you state old lone parent ? not ill parent so would guess that you age doesnt limit you from working...unless of course your over the retirement age...just because your doctor might sign you off, when you get accessed by the medical advisor there might state you are fit for work, hence no claim for ICB.....
Incapacity benefit is for people whom genuiely can-not part-take in any form of deemfull employment, sadly too many people take advantage of this benefit as it pays more, i for one is glad of the goverments recent preposels to clamp down on such claimants, why wait untill 2010 to start the revamp, start it now that would send shivers down the lazy spines of the work shy.... |
| |
20th March 2008, 00:37
|
#5 (permalink)
| | Classic Account Customer | Re: HELP plez. old lone parent shywazz, the genuinely ill people on benefits take enough of a bashing being labelled as work shy and if thats not your intention, I can tell you it feels that way. A lot of employers are so loaded down with health and safety pc that they chip away at the confidence of disabled people. We would so like our illnesses to go away and return to work in a safe and understanding enviroment, but its not to be, an illness which can be variable in severity and what can be done on a day to day basis is not catered for at all. I know. Having regular seizures and working shifts at my work, at first they were understanding, they had to be, when diagnosed they would let me go upstairs for a lie down if dizzy etc, after a while the other workers started to nag I was not capable of keeping up and a risk due to varying ammounts of confusion. My seizures have always been variable and I have mental issues which have frightened me for years and I only now ten years later have had the courage to find out that they are related and normal for me. I take things one day at a time and unfortunately employers dont!!!
I also have to keep sane for my two children as I am a single parent. Just to add my employers treat me like dirt when I came round from a fall where I had peed myself, you could see the disgust and health and safety was being disgussed whenever they spoke to me. I was told they could not take the risk of my messing myself due to seizures and should go home.
Do you think I should feel guilty, well I do, its a feeling of lowliness and lonliness. Put me down as mad if you wish, but stop labelling/judging people as it easily offends.
Last edited by stardust_john; 20th March 2008 at 00:43.
|
| |
20th March 2008, 01:10
|
#6 (permalink)
| | Platinum Account Customer | Re: HELP plez. old lone parent Stardust, I am sorry to hear of the way you have been treated. I need to tell you this.
A few years ago we took on a young man on a work placement and all we were told was that he was 'disabled'. He told us himself that he was schizophrenic but was on medication. He was a fantastic worker, lovely guy, so we offered him a full time job after six months. Not long after that he started to be unreliable, was late, didn't do his job properly and then one day we got a call from his neighbour telling us that he had been sectioned as he had attacked someone with a knife.
We found out later that because we had given him a proper job, which he had never expected to get, he had convinced himself he was cured and stopped taking his medication.
The team of social workers, who were monitoring him constantly, later admitted that they had known that he had stopped taking his meds and that he could be a danger. But because of client confidentiality they were not allowed to consult with us. They then tried to persuade us to take him back on once the section was lifted. And indeed made me talk to him face to face to explain why we would not, as if it was me who was at fault.
I feel that in this situation both he and us were let down very badly by the 'system'. If they could have liaised with us about his situation we could have prevented him having this terrible relapse and he would probably still be working for us now.
More needs to be done - not just to encourage employers to take on people with disabilities of all sorts - but to give them support when they do.
__________________ BANK CHARGES Nat West Bus Acct £1750 reclaim - WON LTSB Bus Acct £1650 charges w/o against o/s balance - WON Halifax Pers Acct £1650 charges taken from benefits - WON LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA DCAs Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC Others GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON |
| |
20th March 2008, 15:25
|
#7 (permalink)
| | Gold Account Customer | Re: HELP plez. old lone parent Your own predictiment stardust doesnt fall into the workshy status my quote reads........ Incapacity benefit is for people whom genuiely can-not part-take in any form of deemfull employment, sadly too many people take advantage of this benefit as it pays more, i for one is glad of the goverments recent preposels to clamp down on such claimants, why wait untill 2010 to start the revamp, start it now that would send shivers down the lazy spines of the work shy.... labelling/judging people as it easily offends.
Only offends those guilty of juggling the benefit system, yes there are gen ill folk out there claiming what there entitled, of which is accepted, but ask how on earth why there are 20+ thousand claimants getting 30k plus per year just by claiming benefits, see the sun dated 20th march 2008 page 64 then tell me why it offends such people whom earn twice as much as someone whom gets up and goes to work to support there famlies..... if the lazy work shy want respect and dont want to be labeled, the answer is looking them in the face, get a job and give something back to the system. |
| |
20th March 2008, 17:03
|
#9 (permalink)
| | Classic Account Customer | Re: HELP plez. old lone parent I agree gold lady, the structure needs to be there to help the employers and then in turn help the disabled. I dont blame new employers but would worry about telling all to them and appear a liability, only to be rejected again. I couldnt cope with it just to provide an intention to positively be considering returning to work. I cant look in the faces of people now as I feel they can see into me, recovering from hospital stay and back at work years ago, I heared the whispers and when being relief clerk in office, the others said they couldnt trust me on their counters as I appeared on and off confused, which I was but didnt realise it and still dont when it happens. They wernt being maliscious and I understood my mistakes impacted on them, just even when returning from hospital the other employees asked me the night before was I actually going to have a fit that night, because they the night shift wanted to know I would turn up. That was it, the next time I recovered it was very serious and rather than bounce back I found I couldnt anymore. People were watching me it felt and I went from easy going normal person into stressed freak to this day. I cant go out the door unsupervised now but am grateful for the help I recieve. |
| |
20th March 2008, 21:16
|
#11 (permalink)
| | Basic Account Customer | Re: HELP plez. old lone parent Quote:
Originally Posted by shywazz Only offends those guilty of juggling the benefit system | wrong! why would you think this? no, don't answer that. obviously you get that from the comics that you read. try thinking about what you said. if i said something nasty about jews, you are saying that only non-jews would be offended. or if i called someone "the 'N' word", only non-coloureds would take offence?
what rubbish! |
| |
20th March 2008, 21:45
|
#12 (permalink)
| | Platinum Account Customer | Re: HELP plez. old lone parent Quote:
Originally Posted by shywazz
but ask how on earth why there are 20+ thousand claimants getting 30k plus per year just by claiming benefits, see the sun dated 20th march 2008 page 64.... | Certain "newspapers" sensationalise particular issues in order to fuel this kind of thinking....  .... meaning that people on Benefits (genuine or otherwise) get judged all the time without anyone bothering to look at the bigger picture. It's also a very useful tool for diverting public attention from the tax-fiddling antics of "the old boys' network", among other things... who want to protect their financial interests from public scrutiny.
Back to the topic though... Income Support will stop when the youngest child reaches the age of 16... and not 15. The DWP will then expect you to sign up for JSA straight away. If you get DLA/Incapacity however, then they won't force you into paid employment. With Incapacity, you will need to submit certificates every so often, but with DLA... once an award has been given, then that's usually it unless someone decides to dob you in for thinking you're not as ill as you're making out  . For genuine claimants, this can be a right pain in the ass....
Whilst on DLA, you will also get premiums added onto your Income Support, but I'm not sure how this works with Incapacity Benefit.
Hope that helps... 
__________________ Remember the mantra : NEVER communicate by 'phone. Send EVERYTHING by Recorded/Special Delivery Keep a copy of EVERYTHING sent Keep hold of EVERYTHING received The following companies have all been sent packing in the past 18 months : A & L PLC A & L Finance Ltd Global Debt Management Services Ltd Shoosmiths (solicitors) Fenton Cooper Mack Hall Moorcroft HFC Cabot Barclaycard Mercers The Lewis Group CL Finance.... Life is like a game of Chess.... watch the enemy, defend yourself against aggressive manouvres and when in doubt, move a pawn.... |
| |
21st March 2008, 02:15
|
#15 (permalink)
| | Platinum Account Customer | Re: HELP plez. old lone parent Quote:
Originally Posted by PriorityOne but with DLA... once an award has been given, then that's usually it  | Not strictly true P1  . Most DLA awards are made for certain periods of time; 1 year, 3 years etc. Not many are made for lifetime.
There are various premiums for IS and IB. It's best to call Community Legal Advice for professional advice. |
| |
21st March 2008, 11:27
|
#16 (permalink)
| | Platinum Account Customer | Re: HELP plez. old lone parent Sorry Joa.... I should have clarified.... my fault. What I meant was, that's usually it for the period of time specified. Sometimes this is for "life", but usually awards are given for set periods of time and towards the end of this period, people are sent new forms in order to re-apply.... but once an award has been given, it's rare for DLA to stop it unless some nosey parker decides you don't deserve it and dobs you in, so to speak. I am not on DLA myself, but have friends who are and one of these friends has been reported several times by a disgruntled neighbour  | |