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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Permitted Work - Incapacity Benefit - Housing Benefit


Eaglewoman
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Hi, wonder if anyone can help?

 

I receive Incapacity Benefit, with a small top-up of Income Support. I would like to see if I could do some work. I have read in some places that from 1st April 2010 it is possible to earn £93 net, doing permitted work for less than 16 hours and still receive full Housing Benefit and Council Tax Benefits. However, I cannot find this information on the Direct Gov site.

 

I have found the information on the Workways site, local government sites for Southampton and Newcastle and a Housing Benefit & Council Tax Benefits Circular. But it has taken some digging. And of course we have changed govt since :confused: Any ideas or comments greatly appreciated :)

Edited by Eaglewoman
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Hi Eaglewoman, A simplistic answer I'm afraid!

I'm on ESA and was looking into permitted work at the end of last year. It is probably different for you, but I have a pathways advisor at my jobcentre who was absolutely helpful with this. Unfortunately, my health took a turn for the worse and I never got to start it. If you have a jobcentre nearby I'd suggest arranging a chat with someone about it or give them a ring. On the surface it seems like a good idea...

Best wishes

Rae

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Hi Eaglewomen

 

It does state being able to do some work while on IB, BUT.... check out what you can do while in receipt of I.S..

You will proberly find that you cannot work at all (paid or voluntary) without it affecting IS.

Sorry about that, been there hauled into IS office. Mind you that was back in 1994.

But do there's no harm in asking.(:rolleyes: Never no it could of relaxed in 16 years :rolleyes:)

When they say no :-) be careful if you deceide to carry on and work.

 

 

 

dk

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Hi Eaglewoman,

 

all I could find c/o direct.gov was:

Effect on other benefits

 

If you get Housing Benefit or Council Tax Benefit and you do Permitted Work, any earnings over £20 may be taken into account when assessing these benefits.

 

'Permitted Work' - working while claiming Incapacity Benefit : Directgov - Disabled people

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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Permitted work for those on income support and other means tested benefits

 

If you are on incapacity benefit or severe disablement allowance and you are also on income support you can do permitted work but any earnings which exceed your earnings disregard (£20) will be deducted from your income support.

If you are on employment and support allowance, incapacity benefit or severe disablement allowance and are on housing benefit or council tax benefit you are allowed to keep all your permitted work earnings. These earnings will not affect your benefit.

Contradiction or what:confused:.

Work for people who are sick or disabled - Disability Alliance Factsheet F35

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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From April 2010, the Housing Benefit and Council Tax Benefit earnings limit were increased to £93.00 a week for people receiving contributory ESA, IB and SDA who also do permitted work. This means that people who receive contributory ESA, do permitted work and receive housing benefit will be able to work and earn up to £93 before their housing benefit will be affected. This aligns the rules with those that already apply to people who receive income-related ESA.
Permitted Work Rules

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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TBH I would still be apprehensive of considering permitted work without further clarification from the council on HB & CTB because none of the info I found appears clear or authoritative enough to inspire confidence.

 

L.R.

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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All I can recall is that when I discussed it with my Pathways Advisor at the end of last year - for income based ESA - I could do permitted work up to 16 hours a week and receive up to £93pw with no loss of benefits inc CT and HB. I'm sure I have a print-out somewhere...

I believe it did only last for 12 months and I have no idea what would happen at that point.

Best wishes

Rae

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  • 4 weeks later...

:D Hi,

and thanks to everyone who posted a reply. After a lot of hard work and considerable digging, I have found the answer to my question and confirmation of what I had understood from various sites. The problem was that none of it was clearly stating my understanding.

 

However, I now have the answer to my own dilemma. It is a very complex situation so I do not want to raise anyone else's hopes without first checking their personal circs. But it is now possible to work for less than 16 hours per week, earn up to £93 (net) and still keep the money earned (less any income tax if relevant) and full illness benefits and full housing benefit (if you were already receiving it) and full community tax (if you were already getting it).

 

As I say the rules are very complex (when are they not? :-| ) But the site that has clinched it for me is this one http://socialfirmsuk.co.uk/ They have an online test and a pdf file that goes thru it all in a really easy to follow visual chart, covering

what appears to be all angles.

 

Hope this will help anyone who needs it. If I could dance without harming myself I would :p .

 

Lv lite n har money to all :cool:

Edited by alanfromderby
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hi Eaglewoman,

 

If you get small top of I.S and take up permitted work and earn the ninety three pounds then you will lose the I.S entitlement.

On I.S you are allowed to keep the first twenty pounds and after that its take in pound for pound, so seventy three pounds would be classed as an Income and would nil your claim.

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Also to add a little,

 

i know someone who did this and after 12 months his benefits were stopped as he was fit for work as they said he had being doing it for the last 12 months no problem.

 

just be causious and check out all the avenues

 

Ida x

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An interesting point, Ida. The info I've had from my Pathways Advisor is that if things didn't work out you can revert back to ESA. Only have that verbally and something I'll definately investigate further as it's a route I'm giving serious thought to...

Best wishes

Rae

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Just thought I would say , obviously I took their word for it but i do know they gave it up at this point

 

maybe ask a direct question you may get a direct answer ;)

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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An interesting point, Ida. The info I've had from my Pathways Advisor is that if things didn't work out you can revert back to ESA. Only have that verbally and something I'll definately investigate further as it's a route I'm giving serious thought to...

Best wishes

Rae

 

If you're doing ESA PWHL (Permitted Work Higher Limit) you should be contacted after about 11 months or so. You can either stop working altogether and continue to claim ESA, or you can terminate your claim to ESA and live off your wages. You can also, I believe, switch to PW Lower Limit, which IIRC allows earnings of £20 or so per week but has no limit on how long you can do it.

 

In theory it's a sound idea. It's recognised that ESA should not provide a disincentive to people who could do some work, and also that for some conditions, working can be helpful. As with so many things benefit-related there are problems with the implementation and that's why, as you know, it's good to know what the rules are before you run into any problems.

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Can i ask a question on behalf of a friend

 

She is getting IB,HB and DLA mobity rate high and has been a volunteer for a year or so at a charity,one day a week answering the phone and some pc work.

 

Could the DWP turn round to her and say,if you can volunteer,you can look for work as well ? and stop here current benefits ?

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Hi Mikey

Did you go to the site I mentioned? The changes occurred on 1st April 2010.

In my scenario I will lose

the IS top up - £2.50 in my case - after earning £20, but everything else will remain in place in full, i.e. benefits I receive now of IB, HB and Community Tax, is not affected.

But an overall gain of £91 and a gain of self esteem is a good exchange in my view.

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Hi again,

I hadn't realised that the link I provided has been edited out. So I have asked for help and once I know what I can provide to you as evidence for my statements I will give you all the details.

Lv lite n har money

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Hi all

 

It may only be £2.50p cash, IS carries other fringe benefits.

You may loose your presciption, dental and optician entitlement when you come off I.S..

Depending on income you may qualify for HC2 assistance.

 

 

( :confused: posts #3 & #5 did mention working and I.S.. post #5 also said about £20 limit :confused: )

 

 

:)

 

 

dk

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Also to add a little,

 

i know someone who did this and after 12 months his benefits were stopped as he was fit for work as they said he had being doing it for the last 12 months no problem.

 

just be causious and check out all the avenues

 

 

as a follow on from above post #21

 

bare in mind IdaInFife's quote

 

Being on IB watch for ATOS medical.

I do not think JSA would allow you earn that much and retain the

rest of your benefits.

 

Please look very carefully at all relevant facts before you act

there may be no way back.

 

regards

dk

:)

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Permitted Work on ESA is certainly different than JSA. Possibly also from IB / IS.

My next meeting with my Pathways Advisor is in about three weeks or so. As this is something of interest to me, I'll raise the point directly for clarification...

Best wishes

Rae

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Hi Mikey

 

Did you go to the site I mentioned? The changes occurred on 1st April 2010.

 

In my scenario I will lose

the IS top up - £2.50 in my case - after earning £20, but everything else will remain in place in full, i.e. benefits I receive now of IB, HB and Community Tax, is not affected.

But an overall gain of £91 and a gain of self esteem is a good exchange in my view.

 

I agree and I wish you well, I was just pointing out you would lose your I.S and as DragonKeeper pointed out the benefits that go with it.

 

I knew the income from permitted work had changed for HB purposes which can only be good news for anybody starting it.

Permitted work for IB is allowed for twelve months :)

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