Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #1
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  3. #3
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    Steven

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  4. #4
    Basic Account Holder Simon7685 Informative Simon7685 Informative Simon7685 Informative Simon7685's Avatar



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    Default For all those struggling on IS,IB,ESA & other means tested benefits

    I have been reading on a number o threads in this section about people who are struggling to make ends meet on benefits. It is not easy, I know having been on benefits since 2006.

    There are some things that are available to you, regarding Gas and Electricity, which we all know take most of our money every week/month.

    1. Most Electric & Gas suppliers have a social tariff, which is generally much cheaper than the standard tariffs.

    I personally was with Extremely Dear Fuel (EDF) and on their social tariff, I have just recently switched to British Gas on their assisted tariff, which is saving me even more. You can usually find out by just giving your supplier a ring and asking, they don't always publicise their social tariffs.

    2. If you have found yourself in debt because of hardship, you can apply to various trust funds to help with utility debt. I was 300 in debt with my electricity this time last year. I applied to the EDF Energy Trust Fund and they credited me with 550 to wipe out the debt and leave me on a solid foot for the future.

    The debt I had with EDF was preventing me switching to a cheaper supplier, as they don't let you switch when you owe them money. A lot of the main suppliers operate these trust funds but they are not well advertised and you need to find out about them. They just about all will help with any utility debt, gas, electric, water, telephone.

    These things are there and they will help ease your situation but you have to apply yourself, or switch your supplier or ask about social tariffs.

    So if you are struggling, give these things a go.

    Also if you are on benefits and have children at school between years 3 to 9, you can get a free laptop and 12 months broadband access. It is called Home Access and is there to be claimed.

    I hope some of you who are struggling with utility debt can read this and get some help

    IF YOU ARE BORED WITH LITTLE TO DO
    My Story - Simon -V- The (SH)Abbey - WON / 19 November 2007

    SKY TV and the penalty charge - how far will it go?

    Me V Its4me and Close Premium Finance WON / 28 November 2007

    IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT
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  5. #5
    Basic Account Holder Simon7685 Informative Simon7685 Informative Simon7685 Informative Simon7685's Avatar



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    Default Re: For all those struggling on IS,IB,ESA & other means tested benefits

    I have just had a look on www.energychoices.co.uk in the social tariffs section, it lists all the suppliers and their social tariffs. Eon does do a social tariff but it is only open to those customers over 60.

    To give you and others a better ides of the savings, this is what I pay from British Gas for my Electricity (we are all electric);
    Daytime Rates
    First 225KW/H = 19.950p
    Ramainder of day units = 9.702p

    Night Rate (0000 - 0700) = 2.479p

    Our water and storage heaters all charge up during the night rate.
    Hope this helps.

    IF YOU ARE BORED WITH LITTLE TO DO
    My Story - Simon -V- The (SH)Abbey - WON / 19 November 2007

    SKY TV and the penalty charge - how far will it go?

    Me V Its4me and Close Premium Finance WON / 28 November 2007

    IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT
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  6. #6
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    Default Re: Useful Links.

    Advice Now provides free advice on a range of subjects, including benefits.

    They have a particularly useful page on how to handle an interview under caution.

    Additionally, they link to local organisations which may be able to offer free help.

    My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

    Please do not seek, offer or produce advice on a consumer issue via private message; it is against forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.
    (exceptions for prior authorisation)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






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  7. #7
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    Default Re: Useful Links.

    How about Essential ESA reads

    The Employment and Support Allowance Regulations 2008 Just about everything ESA
    The Employment and Support Allowance Regulations 2008 No. 794

    ESA Handbook for Heath Care Proffesionals Administering Tests
    http://www.cpag.org.uk/esa/mstd_esa_hbk.PDF

    DWP Decision Makers Guides (Chapters 8 & 9 are ESA specific)
    Decision Makers' Guide - DWP

    New ESA Points System Review coming in Oct 2010
    http://www.dwp.gov.uk/docs/work-capa...w-addendum.pdf

    A-Z of medical conditions - DWP

    Employment and Support Allowance - how to claim
    http://www.direct.gov.uk/en/Disabled.../esa/DG_172014

    ^^^ if you scroll down the page there is a link for an "Interactive claim formicon" Very handy as you can save it to your PC & then play around with it as much as you like before completing the final one.

    It maybe worth a mod edit to categorise and put all links into a single 1st post which following posts can suggest links add to on mod approval?

    p.s. Sorry to create you more work but it would help Alsso some of the links in previous posts are dead

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  8. #8
    Gold Account Holder pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative



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    Default Re: Useful Links.

    This is a very good link too from the Centre for social justice it contains links to some very good publications including one called Dynamic Benefits: Towards Welfare That Works.

    This was edited by the then Rt. Hon Iain Duncan Smith MP now the work and pensions secretary.

    The Centre for Social Justice - Publicationshttp://www.centreforsocialjustice.or...%20pp1-151.PDF

    http://www.centreforsocialjustice.or...rtIIandIII.pdf

    http://www.centreforsocialjustice.or...dicesToEnd.pdf

    http://www.centreforsocialjustice.or...0WEB%20NEW.pdf

    Enjoy the read it is quiet an eye opener of things maybe to come under this coalition government.

    PF



  9. #9
    Gold Account Holder Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative



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    Default Re: Useful Links.

    Loads of info on ATOS and how to deal with them:
    DWP ESA Medical Examinations

    [FONT=Arial Black][COLOR=red][I][B]PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX[/B][/I][/COLOR][/FONT]

    [FONT=Comic Sans MS][COLOR=sienna][I][B]Please check out my [URL="http://www.consumeractiongroup.co.uk/forum/entry.php?180-Debt-Threats-a-quick-self-help-guide"]BLOG [/URL]for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:[/B][/I][/COLOR][/FONT]

    [FONT=Comic Sans MS][I][COLOR=black]All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.[/COLOR][/I][/FONT]
    [I][FONT=Comic Sans MS][COLOR=sienna][B]Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx[/B][/COLOR][/FONT][/I]
    [I][FONT=Comic Sans MS][COLOR=darkorange][B]Please click the *star* of any CAG member who has helped you . [/B][/COLOR][/FONT][/I]
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  10. #10
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    Default Re: Useful Links.

    Here's a few on-line benefits calculators.

    HB and LHA rates vary by regions known as "Broad Market Rental Areas" (BMRAs), therefore it is important that you also check on your own council's web-site's benefit calculator.
    See "Check your eligibility for housing benefit" below.
    Directgov: Check your eligibility for housing benefit

    DWP and HMRC benefits and credits:
    Benefits adviser service : Directgov - Do it online

    Alternative "benefits search" c/o "Turn to us":
    Benefits Search

    The LHA-Direct website has been developed to enable tenants renting accommodation from a private landlord to calculate the possible amount of Housing Benefit available to them from their Local Authority.
    https://lha-direct.voa.gov.uk/Secure/Default.aspx

    Still waiting for your blank ESA50 form to arrive?
    they can be downloaded from the web, however don't be too hasty to send it off - I say this because ESA is biased to fail claimants and shove them onto JSA, it's a cost saving exercise pretending to be something to help and support us.

    Please read this thread before you fill in the ESA50:
    How important is the ESA50 & supporting evidence?

    There are also some helpful fact-sheets here c/o Disability Alliance:


    I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - see this post by Joa, great advice and links!
    I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.
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  11. #11
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    Default Free Energy saving plug (for holders of qualifying benefits)

    Welcome - www.energysavingplug.co.u k

    CAGicon has altered the link check it extra space in .co.uk remove


    Claim Your Free Plug Using Code: DIR0004004 << YOU NEED TO ENTER THIS in the online form


    Switching off your electrical items just got easier with the LIME energy saving plug. This intelligent plug provides total shutdown in one easy click via your remote control

    (useful for those of us unable to reach plugs and sockets!).

    To claim your FREE LIME energy saving plug someone in your household needs to be aged 70 or over
    Or if you are under 70 but you or someone in your household receive one of the following benefits you are eligible to claim a free plug:

    * Attendance Allowance
    * Council Tax Benefit
    * Child Tax Credit (with an annual household income of no more than 16,040)
    * Disability Living Allowance
    * Disablement pension (must also be in receipt of Constant Attendance Allowance)
    * Housing Benefit
    * Income Support
    * Income-based Job Seekers Allowance
    * State Pension Credit
    * War Disablement Pension (must also be in receipt of Mobility Support or Constant Attendance Allowance)
    * Working Tax Credit (with an annual household income of no more than 16,040)
    * Income-related employment and support allowance.

    Claim Your Free Plug Using Code: DIR0004004 << YOU NEED TO ENTER THIS

    only One Plug Per Household

    NEVER FORGET



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    HIGHWAY OF HEROES

    http://www.consumeractiongroup.co.uk...-our-lads.html


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  12. #12
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    Default Atos SAR contact details.

    This is their entry on the Information Commissioner`s Office register.


    Registration Number: Z6148679
    Date Registered: 07 December 2001 Registration Expires: 06 December 2010

    Data Controller: ATOS ORIGIN IT SERVICES UK LIMITED

    Address:
    NO 4 TRITON SQUARE
    REGENT'S PLACE
    LONDON
    NW1 3HG
    Other Names:
    SCHLUMBERGERSEMA
    BR BUSINESS SYSTEMS
    SEMA UK LIMITED
    ATOS ORIGIN MEDICAL SERVICES
    ATOS HEALTHCARE

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  13. #13
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    Default Interviews under caution

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  14. #14
    Gold Account Holder Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative Undercover-Elsa Authoritative



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    Default Re: Useful reference - BACK PAIN claims

    Not sure if this has been posted before, but if your claim involves back pain, these docs may be used for reference, being a report by the Faculty of Occupational Medicine (Royal College of Surgeons) on back pain, and prospects of returning to work etc.
    Elsa x

    Attached Files

  15. #15
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    Default Re: Interviews under caution

    Quote Originally Posted by MARTIN3030 View Post
    excellent link thanks - struggling with a dla problem currenlty - I have been advised that once you have requested a decsion 'be looked at again' you basically have time after that new decison to appeal?

    'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819
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  16. #16
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    Default Re: Useful Links/Information

    Freedom of Informationicon Requests to DWP

    The Freedom of Information Act (2000) is a useful way to get information from the DWP. You can make requests online using the WhatDoTheyKnow website:

    http://www.whatdotheyknow.com/body/dwp

    So far there are more than 600 requests to the DWP on the site, together with the answers from the DWP. If you want to make a request, read the Help pages first:

    http://www.whatdotheyknow.com/help/about

    It's worth browsing this site to see the kind of FOIicon requests that have been made (some eccentric and some provocative). The DWP does not charge but will refuse requests that would cost them too much time to comply with.



  17. #17
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    Default Re: Useful Links/Information

    2011 handbook for Healthcare Professionals administering ESA tests.
    http://www.dwp.gov.uk/docs/wca-handbook.PDF


  18. #18
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative



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    Default Re: Useful Links/Information

    Handy link.
    Did you also post this in benefits forum ?

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
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  19. #19
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    Default Re: Useful Links/Information

    I have before Martin - I created a post on it last week.

    My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

    Please do not seek, offer or produce advice on a consumer issue via private message; it is against forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.
    (exceptions for prior authorisation)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






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  20. #20
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    Default Re: Useful Links/Information

    http://www.whatdotheyknow.com/reques...%20V3Final.doc

    Apparently it's the

    Atos Healthcare

    Limited Capability for Work Related Activity (LCWRA) Administration Guide

    MED-LCWRAAG01

    Version: 3(Final)
    11 October 2010



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