consumer forums consumerforums Total Bank Charges Returned : £17,500,569 to 10384 people.

Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Registration Problems | FAQ
The Consumer Forums  

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 ensure this site will remain free to use!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
Consumer Action Group envelope labels 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

Patricia Pearl - Small Claims Procedure - A Practical Guide
An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.
£17.10 + £1 (P&P)

Lawpack - Small Claims Kit
Contains everything you need to sue your bank (or anyone else) including sample forms, instruction manual, templates, and an entire set of court forms in PDF format on CD Rom.
£10.99 + £1 (P&P)

Last Will and Testament Kit
Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.
£12.99 + £1 (P&P)

Fight a Motoring Ticket Kit
All the templates and documents that you need to challenge your speeding ticket, parking fine - with advice from one of the UK’s leading motor offence solicitors
£9.99 + £1 (P&P)


Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues

  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
eBay buyer?
Buy more cheaply
Win more often
ConsumerSniper.com
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Ebay buyer?
ConsumerSniper
Free unlimited bids and eBay tools
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
 

Reply
 
LinkBack Thread Tools
Old 17th May 2007, 11:12   #1 (permalink)
Classic Account Customer
 
sandbag's Avatar
 
Watch out, there are Claims Touts about!

Cagger since : Mar 2006
I am in: Wakefield
Posts: 365
sandbag Novitiate
Default Incapacity Benefit

Hi all - I have a quick question. My Oh is currently trying to claim Incapacity Benefit due to having a Herniated Lumbar Disc - my question do the DSS take my earnings into account when considering hy OH 's claim and can they refuse to award him benefit on the basis that i am working?

Cheers Sandbag.
sandbag is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 11:52   #2 (permalink)
Basic Account Customer
 
Free trial on our eBay auction sniper

Cagger since : Dec 2006
I am in: London
Posts: 15
Bollotom Novitiate
Default Re: Incapacity Benefit

Hi
I think you will find that Incapacity Benefit is NOT means tested and is an additional benefit to any form of income support or salary etc. That is why some millionaires are on incapacity benefit. As far as you working goes, did you know that if you had a child on incapacity benefit you could still enjoy full time employment without penalty. Also your OH can use the incapacity benefit to obtain a car.
Bollotom is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 11:54   #3 (permalink)
Classic Account Customer
 
sandbag's Avatar
 
Is your bank avoiding its debts
Data disclosure poll

Cagger since : Mar 2006
I am in: Wakefield
Posts: 365
sandbag Novitiate
Default Re: Incapacity Benefit

Thankyou very much.
Regards Sandbag.
sandbag is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 17:46   #4 (permalink)
Gold Account Customer
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Mar 2007
Posts: 469
CAGisforME InformativeCAGisforME Informative
Default Re: Incapacity Benefit

Bollotom is WRONG!!!

Sorry - but you have confused Incapacity benefit with Disability Living Allowance.


Incapacity Benefit is paid when you Sick pay runs out and your Doc confirms that you are indefinately - or for a long time - going to be unable to work due to the incapacity.

It is not means tested, however it IS contributions based and will therefore depend on how long the person has worked and paid NI Contributions.

This explains about who can get IncapBen and who can't:

http://www.jobcentreplus.gov.uk/JCP/...dev_012319.pdf

Incapacity benefit IS taxable and IS taken into account for Working Tax Credits and Child Tax Credits.



This is NOT to be confused with Disability Benefit.



Again this is not means tested, but is also not contribution based and therefore can be claimed by anoyone under 65.

IF (and it's a BIG IF) you manage to convince them that you are entitled to the TOP RATE for Mobility, then you will be given the choice of the money or motability, which would allow you to go and get a car adapted for your needs.


Let NO-ONE kid you that either of these benefits are easy to get and please don't be lulled into a false sense of security by folks telling you that "everyone" gets it.

DLA Information:

Disability Living Allowance : Directgov - Disabled people


DLA is NOT taxable and NOT taken into account for Tax Credit Purposes.


PLEASE read up on these benefits and get your local Welfare Rights people to help you with anything else you can claim.

Good Luck
__________________
Reclaiming My Fees
Barclays Account 1 (£485)**WON** after LBA
Barclays Account 2 (£435) **WON** after LBA
Barclaycard (£200)
**WON** after LBA
CapitalOne - (£3415 incl Comp Interest) LBA 11.6.07

Reclaiming OH's Fees
Virgin (£73) - Prelim 9.5.07
Tesco (£69) - Prelim 23.5.07
MINT - S.A.R 23.5.07

Debts
GE Capital/Link/HL Legal - DCA in Default. OC states "Written Off"
Grattan Default (2001) - removal demanded 14.5.07
Student Loans Company
**WON** £753 charges & arrears refunded. Awaiting Write Off on grounds of disability.

DVR (Boxclever)
**WON** £614
SKY+ **WON** New Box Installed £128 refund
British Gas(Electric) **Partial WIN** new meter installed. Now waiting for refund for overcharge of 4 years!

I am officially "on a mission"
CAGisforME is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 17:57   #5 (permalink)
Gold Account Customer
 
eBay user? Find misspellings and zero-bid items

Cagger since : Mar 2007
Posts: 469
CAGisforME InformativeCAGisforME Informative
Default Re: Incapacity Benefit

Quote:
Originally Posted by Bollotom View Post
Hi
I think you will find that Incapacity Benefit is NOT means tested and is an additional benefit to any form of income support or salary etc. That is why some millionaires are on incapacity benefit. As far as you working goes, did you know that if you had a child on incapacity benefit you could still enjoy full time employment without penalty. Also your OH can use the incapacity benefit to obtain a car.
I am sorry - but the more I read this, the more annoyed it makes me. PLEASE check out the information you give out before telling people COMPLETE RUBBISH.

1. Incapacity Benefit is NOT means tested, but you have to be certified as unable to work to get it and have paid enough National Insurance in the first place.

2. Which Millionaires exactly?

3. Children cannot claim Incapacity Benefit.

4. Disability Living Allowance is the only benefit that can be used to gain a Motability Car.

5. DLA is NOT taxable.

6. Incapacity Benefit IS taxable.


For once the Government give very comprehensive information on the internet as to exactly who can and cannot claim these benefits.

I would ask all prospective claimants to READ and READ AGAIN and not take hearsay, old wives tales and barrack room lawyers' word for what they can or can't claim.

DLA Information: Disability Living Allowance : Directgov - Disabled people

Incapacity Benefit:
Incapacity Benefit : Directgov - Disabled people



I am sorry - but I was daft enough to listen to someone else about Benefits when I first had to pack in work due to ill-health. I was financially MUCH worse off than I am now because I didn't check it out.

If you think you qualify don't delay - Claim.

CAGisforME is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 19:14   #6 (permalink)
Classic Account Customer
 
sandbag's Avatar
 
We need funds
Please donate something

Cagger since : Mar 2006
I am in: Wakefield
Posts: 365
sandbag Novitiate
Default Re: Incapacity Benefit

Hi - Thanks for all your replys.
I will let you know how we get on.
Cheers Sandra.
sandbag is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th May 2007, 19:19   #7 (permalink)
Gold Account Customer
 
Watch out, there are Claims Touts about!

Cagger since : Mar 2007
Posts: 469
CAGisforME InformativeCAGisforME Informative
Default Re: Incapacity Benefit

Good Luck Sandra.

CAGisforME is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th May 2007, 10:48   #8 (permalink)
Basic Account Customer
 
Have we helped you? Please help us by making a donation

Cagger since : Dec 2006
I am in: London
Posts: 15
Bollotom Novitiate
Default Re: Incapacity Benefit

Ooops! My sincerest apologies. I was indeed mixing up Incapacity with Disability Living Allowance. Thanks for the correction CAGisforME and apologies to Sandbag.
Bollotom is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th May 2007, 20:38   #9 (permalink)
Classic Account Customer
 
sandbag's Avatar
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Mar 2006
I am in: Wakefield
Posts: 365
sandbag Novitiate
Default Re: Incapacity Benefit

Thanks for your advice. Apology accepted lol
Cheers Sandbag.
sandbag is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th May 2007, 22:43   #10 (permalink)
Gold Account Customer
 
Our auction sniper is now live. Try it for free

Cagger since : Mar 2007
Posts: 469
CAGisforME InformativeCAGisforME Informative
Default Re: Incapacity Benefit

Bollotom,

Apology accepted from me too. Please accept mine for jumping on you a bit (oo-er missus!) I'm afraid that this particular "baby" is a bit near the mark for me, having had to battle through their systems and at one point having a tribunal decision in my favour being appealed to the Commissioners in London.

I still won

But there are a lot of misconceptions out there - mostly by people who have never been in this position themselves and those of us who have no coice but to survive on disability benefits and the like get a bit chewed off when it's implied - yet again - that we are all a bunch of scroungers, or it's easy to get the benefits etc etc

Not implying that you said anything of the sort of course.

All friends now eh?

sandbag - Best of British with the old form filling. Please feel free to PM me if you feel the need, especially for help with the forms.
CAGisforME is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th May 2007, 22:59   #11 (permalink)
Classic Account Customer
 
sandbag's Avatar
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Mar 2006
I am in: Wakefield
Posts: 365
sandbag Novitiate
Default Re: Incapacity Benefit

Cheers Cagisforme - you have been very helpful- i will Pm you if we have any questions.
Thanks again Sandbag.
sandbag is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th May 2007, 12:11   #12 (permalink)
Basic Account Customer
 
Give yourself a better chance with our claims guides and litigation kits

Cagger since : Dec 2006
I am in: London
Posts: 15
Bollotom Novitiate
Default Re: Incapacity Benefit

Aways prepared to hold hands up and learn> All the best.
Bollotom 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
Mess up with housing benefit and council tax benefit lynzfa General Knowledge 9 29th June 2007 20:39
Benefit 'theft'(?) jo_jordan General 7 25th May 2007 09:11
Question about incapacity benefit removed from pay thecornflake General Consumer Issues 0 15th November 2006 16:47






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