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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Free Dental Treatment.


The Chez
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I posted something simlar in the NHS forum a few weeks ago, but didn't receive many replies, someone told me to try posting it here.

 

What it is, I am on IB and DLA (lower rate care) for Asperger's Syndrome. I live with my partner, who works, so I am unable to claim any means tested benefits such as Income Support.

 

I am in urgent need of dental treatment, I have lost 2 teeth this year and another is on the way out. The problem is I cannot afford, let alone find, and NHS dentist. 99% of my partner's earnings go on the bills, he is also unable to fund things we have to class as luxuries, sadly this includes seeing dentists and opticians (I also need an eye test as I am worried about my eyesight too). However, I might be able to pay for the test, but glasses & lenses would be out so I don't see the point.

 

I have had infections in my mouth, which I have had to obtain antibiotics from my GP for, they always say I need to see the dentist, but I genuinly cannot afford it and they have no further suggestions. Whats the point of going for a checkup but not being able to afford any treatment, which for me would come well above £100. Thats our food for a fortnight.

 

My two front teeth grew crooked when I was younger, and my dentist at that time refused to put a brace on, so I would, in the future, also like a bit of cosmetic work to correct this, as it is starting to get me down. However, that can wait until the more urgent problems are sorted out, such as the roots that are still in my gums from the two lost teeth.

 

If I were to go to the hospital A&E department when I have really bad toothache, would I have to be treated for free or would I still have to pay? I just don't know any way around this.

 

Is there one?

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Chez,

Do you have a dental hospital near where you live. If so, if you go to their casualty dept and ask for treatment you should get it. You will see a trainee dentistand it probably wonr cost you anything, if you show them you are on benefits. Other than that I cannot suggest anything else.

 

Cheers - Scousegeezer.

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@ The Chez

You said that you are on I.B., the bad news is that I.B. doesn't usually qualify you for free prescriptions, dental treatment or vouchers towards vision or aural aids - I.S., JSA and ESA claimants are eligible. I've never understood why we I.B. claimants don't get this help when all the other "out of work" benefits do. I suppose that if you can wait that long, the DWP is moving everyone to ESA, then you'll qualify.

 

You can qualify for help with these health costs if yours and your OH's joint income are below a certain threshold, i.e. help awarded for hardship.

 

A couple of years ago I needed to replace a broken pair of specs, I went to Asda opticians and the man there persuaded me to take the H.C. claim form and send it in. I followed the man's advice, even though I was sure that I wouldn't get any money back, well how wrong was I, a few weeks later I got a cheque for £34 which covered more than half of my costs.

 

Another thing which you can do is to get a H.C. (11 or 2, I can't quite remember the number) claim form and ask for help with your health costs on the grounds of low income/hardship. You'll need to send them evidence of income, e.g. copies of your I.B. award/amount letter and your OH's pay slips and details of your housing costs. If you're successful they will issue you with a certificate entitling you to reduced cost treatment, e.g. the dentist will only charge you a few quid for the first visit and the follow-up's will be for free, likewise the optician will automatically reduce your bill by the value of the "optical voucher" amount. Check out the DWP Direct website and get on the phone immediately to get them to send you the H.C. form.

 

I hope this helps, best regards and good luck,

Paul.

Edited by loan_ranger

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 - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] 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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Finding an NHS Dentist near to you:

Both the BDA and the NHS offer “Find a Dentist” websites. To find a NHS or private dentist in the UK please visit http://www.bda-findadentist.org.uk or try this link;

About Dentistry

 

How can I get the HC1 claim form?

 

You should be able to get the claim form from:

 

  • Your JobCentre Plus office.
  • An NHS hospital.
  • By phoning the NHS Formsline on 0845 610 1112, textphone: 08700 102 870.
  • By phoning the Department of Health Publications Orderline on 0845 610 1112, textphone number 08700 102 870.
  • Your dentist or optometrist (optician) may stock them.

Edited by loan_ranger
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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 - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] 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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