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 May 2008, 14:37   #1 (permalink)
bb1927
Basic Account Customer
Default Incapacity Benefit Help

Hello, Please could anyone help me understand what is going on with my case.

I am a 47 year old man and have been on Incapacity/Invalidity Benefit since 1991. I have a personality disorder that means I have great difficulty with social situations/dealing with other people, I, for instance do not use the phone at all. I have three children and a wife. I have always got my wife to inform the DWP of any changes I thought they should be aware of. My wife trained as a nurse for three years starting in 2002 and was on a bursary, she informed them and my benefit went from £70-ish to £160-ish. When she qualified in 2005 I again told her to phone and check if me having Incapacity Benefit would be affected by her working. They told her that as the Incapacity Benefit was my benefit and not means tested that her working would not affect it.

Every form I have ever had off them I have filled in truthfully and honestly, so when I next heard off them in Jan 2008 I obviously put down her job and wages. I then received a reply back that I had been getting £178 a week when I should have been getting £98, as it would have changed when she finished her training. The letter also said I might have to pay back any extra (which would be in the thousands) and may face prosecution. This scared the life out of me, I have always honestly completed any forms I've had. I sent them a letter saying so. Looking up on the internet it is now obvious to me that I shouldn't have been on such an amount for two years, but I really was not aware of this at the time. Part of my disorder is I worry excessively over the smallest things, if I had been aware of the overpayment I would have been long dead of mental exhaustion!

My wife and I went to a local advice centre, and they basically said to wait for any letter off the DWP about what they were going to do next. My health is becoming more fragile with this waiting and worrying. Anyway having my bank account in February 2008 I noticed the benefit had been reduced to £98 on Feb 8th, which is entirely fair enough I realise, but still no letter off the DWP telling me they had done this or what else might be going to happen.

Now today I had my bank statement for April and the benefit has completely stopped, no payment at all. I am now very overdrawn, something I never usually do. I still have heard absolutely nothing from the DWP since that initial letter in January.

This has turned into a complete nightmare, I consider myself an honest man, I have never or would never do anything illegal. Why would they stop the benefit altogether, how am I supposed to carry on now, and can they legally do all this without even informing me?

Sorry this is so long winded, it's nice just to get it off my chest. Please if anyone can advise me before I totally go mad!
bb1927 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 22:09   #2 (permalink)
dpr
Basic Account Customer
Default Re: Incapacity Benefit Help

Has your wife phoned them direct about this situation?
I don't think they can just stop benefits with out informing you, I suggest you get your wife to phone them and find out what is happening.
dpr is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th May 2008, 00:39   #3 (permalink)
bb1927
Basic Account Customer
Default Re: Incapacity Benefit Help

Thank you for the reply, I'm afraid she was in work all day today, but she is going to phone the advice centre tomorrow. They told us when we saw them originally to do nothing till we got a letter from the DWP, but I have had nothing at all.
bb1927 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th May 2008, 02:40   #4 (permalink)
bb1927
Basic Account Customer
Default Re: Incapacity Benefit Help

Just to update, my wife phoned the DWP, and was told they had made a mistake and suspended the money because they hadn't updated my last medical form on their computer!!

What is scary is even if it was a mistake, they still didn't actually notify me of the suspension! With my problems, if it wasn't for my wife I would have been left penniless, as I wouldn't have been able to contact them.

They also said according to the computer there is no investigation going on, which I don't know is a good thing or a bad thing.
bb1927 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 Benefit stopped k1308 Benefits, Tax Credits and Minimum Wage 15 25th August 2008 22:01
Challenging Incapacity Benefit overpayment! Bazooka Boo Benefits, Tax Credits and Minimum Wage 9 17th August 2008 22:17
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




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.