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    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
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DWP and my compensation claim


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Hi i hope someone can help with this, :)

 

In Nov 2005 i had an accident at work which was there fault, this put me on statutory sick pay for 4 months i was also advised to make a claim which i did. the company made me redundant in dec 2006 then i went on job seekers allowance till dec 2007, I could no longer seek work due to a number of health problems so have been on incapacity bennefit since dec 2007.

Now my claim is coming to a close and they have offered me £2750 which i think is an insult, The medical expert who examined me said 4 months off work with 12 months to get back to normal.

The solicitors who are dealing with my case said £2750 is a good offer,

I was living on £90 a week for my family and had to buy food and pay full rent out of my wages so i had to borrow money from my family and friends till i got back to work.

 

I have claimed for £3800 in loss of earnings when i was off work which my solicitor now tells me the Department of Work and Pensions will want back,

so dont bother claiming them as DWP will claim them from my work.

It seems to me in the letter i have just received that they just want me to take the £2750 and forget about the rest,

 

The thing is there was a gap of a year since my accident and when i went on incapacity bennefit i also went back to work 4 months after my accident for 9 months before they finished me.

 

can the DWP take my loss of earning off me even though i went back to work and didnt claim incapacity till over a year later. My solicitor says because i have been on incapacity for a year they will want a years money out of my compensation. :confused:

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I can't see why to be honest :confused: Incapacity benefit is a non-means tested benefit, it is payable based upon your circumstances, not income. The claim for Jobseekers may have been based upon income and money available to you at the time of the claim.

 

I don't claim benefit, but for the sake of argument, lets say I did. If I was to have a lottery win three years from now, would the government demand back any benefit money I would have (hypothetically speaking) claimed? No.

 

Unless your compensation was available to you during the period you claimed benefit, I cannot see why they would want to claim it back from you. As far as I am aware (I MAY be wrong) the DWP can only recoup money if:

 

1. You were found to be commiting benefit fraud

2. You had a repayable Social Fund loan

3. You are later discovered to have had available funds during the period of your claim for Income based benefits

4. You were awarded a Funeral Payment from the Social Fund and it was later discovered that there were or now are monies available from the deceased's estate to meet the full or part cost of the funeral.

5. You have arrears of child support to pay.

 

Were you claiming Contribution based jobseekers allowance or income based jobseekers allowance? With jobseekers, the sum you can claim can be affected if you have savings over £6000. If you have savings over £16000, you don't qualify at all. Neither of these sums are anywhere near what you say the compensation is. You do have to tell them about a change in circumstances but this is for the duration of the claim, not after.

 

Your best bet would be to ask them yourself, otherwise you could have that money sitting around doing nothing. I really don't think they can recoup it.

  • Haha 1

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.

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I would imagine they can relclaim any amounts that are paid to cover loss of earnings, as they were paying you means tested benefits for this period, but they can only claim back what they paid you, not the total amount you receive.

 

For example claim benefits 10 weeks @£100 = £1000

Loss of earnings payments for same 10 weeks = £1500

Due to DWP £1000. £500 for you. This puts you back in the position you would have been had you been working and not claiming.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I can't see why to be honest :confused: Incapacity benefit is a non-means tested benefit, it is payable based upon your circumstances, not income. The claim for Jobseekers may have been based upon income and money available to you at the time of the claim.

 

I don't claim benefit, but for the sake of argument, lets say I did. If I was to have a lottery win three years from now, would the government demand back any benefit money I would have (hypothetically speaking) claimed? No.

 

Unless your compensation was available to you during the period you claimed benefit, I cannot see why they would want to claim it back from you. As far as I am aware (I MAY be wrong) the DWP can only recoup money if:

 

1. You were found to be commiting benefit fraud

2. You had a repayable Social Fund loan

3. You are later discovered to have had available funds during the period of your claim for Income based benefits

4. You were awarded a Funeral Payment from the Social Fund and it was later discovered that there were or now are monies available from the deceased's estate to meet the full or part cost of the funeral.

5. You have arrears of child support to pay.

 

Were you claiming Contribution based jobseekers allowance or income based jobseekers allowance? With jobseekers, the sum you can claim can be affected if you have savings over £6000. If you have savings over £16000, you don't qualify at all. Neither of these sums are anywhere near what you say the compensation is. You do have to tell them about a change in circumstances but this is for the duration of the claim, not after.

 

Your best bet would be to ask them yourself, otherwise you could have that money sitting around doing nothing. I really don't think they can recoup it.

 

 

Thanks for the reply, :)

 

I gave the DWP a ring and they said they will not take any money out of my compensation, and they are sending a letter out to me to confirm this with my solicitor.

I told my solicitor about talking with the DWP and he was not impressed:eek:

i wonder if they were trying to have me over a barrel:roll:

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No problem. Incapacity is not a means tested (income related) benefit, so I didn't think they could possibly ask for the money back.

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)

 

 

 

 

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  • 4 years later...

Help I need some urgent advice, briefly I had a misdiagnosed appendicitis in January 2007 I have been with a firm of solicitors since 2008 which have been handling my claim on a no win no fee basis, the outcome is today that the NHS have awarded me £50,000 which is below the quantum value given of £800,000 this is due to my medical expert changing his opinion that he had held for 5 years....any way now the solicitor has sent us a cheque for £10,199 they have not broken anything down and said it is £50,000 - £30,000 for the DWP as I was claiming Incapacity Benefit, and £10,000 for an Interim payment I received for treatment, can they do this please advise...

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