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 Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | 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 | | | | | | | 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 |  | |
5th April 2008, 09:33
|
#21 (permalink)
| | Gold Account Customer
I am in: Buckingham palace I wish
Posts: 416
| Re: DWP alledged fraud. Co-habiting HELP! Sometimes an ear is all someone needs. This site allows a few pointers to help even what you describe as mish mash. I see it as someone stressed and frightened and even I feel there are good people in the know, who could give pointers from experience.
DCa's say this forum is beyond self help, while they try to tell me what are the laws!  |
| |
5th April 2008, 12:56
|
#22 (permalink)
| | Platinum Account Customer
I am in: Lovely Dorset
Posts: 6,755
| Re: DWP alledged fraud. Co-habiting HELP! It's unfortunate that there are some on these websites who's motives are not often clear but a word of comfort to the OP most of us here really want to help all we can - many of us have bin there dun that & have the tea shirt - so please DO post your questions as those that don't or won't understand are very few & far between here.  |
| |
5th April 2008, 13:26
|
#23 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
| Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by Millennia DWP evidence:
* I have 2 young children and my b/f signed their birth certificates. I was already preg with child 1 when we met, and my b/f cannot father a child. * The owner of the empty house denied my b/f staying there (he hadnt declared it) and on interview said he thought my b/f lived with me. * The owner of the sublet house says they had not heard of my b/f.
They say that if my b/f had no fixed address then he must have been living with me, esp as he had accepted responsibility for the children... | I've just skim-read this thread.... but half of their evidence is supposition and half is fact, which is why they're probably going ahead with it. If it was ALL supposition, then they may not have gone ahead with it.
The main problem is that your b/f cannot be located as living anywhere else.... so they have drawn their own conclusions, which at the moment can't be disputed because there's no evidence to dispute them.
Did he have have any correspondence going to your own address during this time, or was it going somewhere else ? If he/you can find something that shows that mail was going elsewhere during this period, then you may get somewhere with this.
You say that he had no fixed address during this time.... where was his mail going to then ? I know that DWP are particulalry interested in where mail goes to... and who is named on bills, etc. If he as any utility bills with his name on them during this period, then DWP will have to consider this... as these would be proof that he was somewhere else.
__________________ 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 2 years : 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.... |
| |
5th April 2008, 13:55
|
#24 (permalink)
| | Platinum Account Customer
I am in: my Y fronts.
Posts: 1,393
| Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by stardust_john Sometimes an ear is all someone needs. This site allows a few pointers to help even what you describe as mish mash. I see it as someone stressed and frightened and even I feel there are good people in the know, who could give pointers from experience.
DCa's say this forum is beyond self help, while they try to tell me what are the laws!  | I can appreciate that, however, some situations require expert help and this is one of them.
Did you know that the DWP has probably not even revealed to the OP yet the covert operations they most probably undertook?
The tactic is to 'give enough rope.'
The OP does seem confused and I would suggest the OP gets specialised help asap.
(And I don't mean the confused state is the fault of the OP but, rather, what the DWP have wanted her to hear at this point) |
| |
5th April 2008, 14:10
|
#25 (permalink)
| | Platinum Account Customer
I am in: my Y fronts.
Posts: 1,393
| Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by JonCris It's unfortunate that there are some on these websites who's motives are not often clear but a word of comfort to the OP most of us here really want to help all we can - many of us have bin there dun that & have the tea shirt - so please DO post your questions as those that don't or won't understand are very few & far between here.  | That's aimed at me and it is totally unnecessary.
As you have 'been there' then you will no doubt be aware the DWP will hardly have acted in the way they have in this thread without evidence.
It is quite clear the DWP have put the onus on the OP to reveal her living arrangments. Mark my words-in time to come the DWP will probably drop a bombshell but by then it will be too late.
If they do not then they are totally inept.
It is a serious situation beyond the scope of offering comfort.
If my advice to the OP to seek expert help in this field asap is acting with a questionable motive then you are wholly irresponsible. |
| |
5th April 2008, 14:32
|
#26 (permalink)
| | Platinum Account Customer
I am in: Lovely Dorset
Posts: 6,755
| Re: DWP alledged fraud. Co-habiting HELP! I'm sorry WAY if think me post was directed at you in particular - but now you mention it I do think your earlier comments were a little harsh & somewhat unsympathetic when you consider the poster must be at their wits end. Also correct me if I'm wrong but you appear to be one of those who thinks there's no smoke without fire & that the DWP don't go in for harassing & prosecuting the Innocent - well I'm here to tell you they do - often. Very often their evidence is scant to say the least - Also legal & expert representation is most certainly discouraged via the mechanism of withholding financial legal aid for representation Many defendants apart from being pressured to plead guilty "cos it's best & gets it over with mate & Noooo you don't need a lawyer there's nowt to defend" do plead guilty even when they have committed no offence. In other words many of those prosecuted & convicted have not deprived the Exchequer of any State Funds whatsoever |
| |
5th April 2008, 14:58
|
#27 (permalink)
| | Platinum Account Customer
I am in: newcastle
Posts: 792
| Re: DWP alledged fraud. Co-habiting HELP! i received a letter telling me they held information on their pc to state my husband still lives here. Even thou i have reciepts for 12 1/2k here for solicitors costs and court costs to keep him away, so yes they harrass people beyond belief at times.
The OP mustve been quite distraught when making the post in the first place, therefore often kind words and an outlet for stress, see things that start to unravel after the initial post, when people know they have support and begin to relax a little
honey x |
| |
5th April 2008, 15:34
|
#29 (permalink)
| | Gold Account Customer
I am in: Buckingham palace I wish
Posts: 416
| Re: DWP alledged fraud. Co-habiting HELP! I agree with cab appointment. They are brilliant for support in these matters. In my case my supposed partner was a pensioner who had her own council house and seperate finances and they still treat me like dog dirt. They should surely rather than as quoted 'give enough rope' state what information they have upfront to enable defence. The person accused would also know where they stand and lessen stress on innocent cases. What happened to presumed innocent untill found guilty, because the dwp dont see it that way, because they let these cases drag and drag on and its a bit like treading water. Not meaning to depress I add but,
Good luck with cab and come back here as there are some brilliant members, who even if can only give support whilst you challenge it via cab/legal aid, will listen, which is half the battle.  |
| |
5th April 2008, 16:12
|
#30 (permalink)
| | Platinum Account Customer
I am in: my Y fronts.
Posts: 1,393
| Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by tomterm8 If I were the OP, I would go to the citizens advice on monday, get a free appointment with a solicitor, and seek legal aid immediatly. It is very likely you qualify for legal aid.
This is absolutly essential when facing a criminal conviction that could leave you homeless, or even in prison. | Obviously Tom has put it much better than I attempted to do.
Intentions are good by members but this is a serious situation and I would urge the OP to do as Tom advises.
And I wish her well. |
| |
7th April 2008, 20:39
|
#32 (permalink)
| | Basic Account Customer | Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by JonCris Do you have a legal aid solicitor?? | Yes, but i want a second opinion. He is advising me that no-one gets away from the DWP so to plead guilty and ask for reduced punishment..err.. I didnt do it! |
| |
7th April 2008, 20:45
|
#33 (permalink)
| | Basic Account Customer | Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by PriorityOne I've just skim-read this thread.... but half of their evidence is supposition and half is fact, which is why they're probably going ahead with it. If it was ALL supposition, then they may not have gone ahead with it.
The main problem is that your b/f cannot be located as living anywhere else.... so they have drawn their own conclusions, which at the moment can't be disputed because there's no evidence to dispute them.
Did he have have any correspondence going to your own address during this time, or was it going somewhere else ? If he/you can find something that shows that mail was going elsewhere during this period, then you may get somewhere with this.
You say that he had no fixed address during this time.... where was his mail going to then ? I know that DWP are particulalry interested in where mail goes to... and who is named on bills, etc. If he as any utility bills with his name on them during this period, then DWP will have to consider this... as these would be proof that he was somewhere else. | There wasnt much mail, and what bit there was went to the empty house where he stayed. Nothing came to my house. |
| |
7th April 2008, 20:55
|
#34 (permalink)
| | Platinum Account Customer | Re: DWP alledged fraud. Co-habiting HELP! Quote:
Originally Posted by Millennia Yes, but i want a second opinion. He is advising me that no-one gets away from the DWP so to plead guilty and ask for reduced punishment..err.. I didnt do it! | That's simply not true. Many people win against the DWP. best advice, get a second legal opinion... phone up the local college of law or the bar pro-bono scheme. |
| |
7th April 2008, 20:57
|
#35 (permalink)
| | Basic Account Customer | |