consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


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 keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
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

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




Come and chat with us here (NB: External site NOT affiliated with CAG)

  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
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Special needs, Disability etc

Special needs, Disability etc If you have special needs or disability issues, discrimination, motability etc, come here to discuss it or to give advice


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 23rd September 2007, 23:47   #1 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,569
callumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informative
Default Any advice please?

i have suffered with a bad back for 25 yrs since having an epidural when giving birth to my daughter.
Also have recurring ligament trouble and the odd bout of sciatica.
I recently went to my new doc (as ive recently moved) because i have had a different back pain in recent months (it feels like i have something pressing on my spine) and was worried. My doctor after doing various tests said i now have arthritis in my spine.
My concern now is i wont be able to continue my work as a care assistant, the only thing i have experience in, so what do i do?
I am currently claiming JSA as i have been unable to find work since moving, but i know with the back problem i will not be able to work full-time with it
Any advice appreciated
TIA
callumsgran is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 00:47   #2 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,569
callumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informative
Default Re: Any advice please?

Bump
callumsgran is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 08:45   #3 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2006
Posts: 18,662
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Any advice please?

Incapacity Benefit

There are 3 types of incapacity benefit that determine how much benefit you can get; all amounts depend on your individual circumstances. Incapacity benefit can be claimed if you aren't able to receive statutory sick pay from your employer or you are out of work. The types of incapacity benefit are:
  • Short term incapacity benefit at a lower rate - when you have been off work for a period of 4 days and aren't able to claim statutory sick pay, you could expect to receive approximately £57.65p/w.
  • Short-term incapacity benefit at a higher rate - you could claim approximately £68.20p/w if you have been unable to work through illness for more than 28 days but less than 52 weeks.
  • Long term incapacity benefit - approximately £76.45 paid each week if you have been off sick for more than 52 weeks.
Disability Living Allowance

Disability Living Allowance or DLA is offered to those who have mobility restrictions to help those who require help getting around. Anyone after 5 years old and up to the retirement age can receive disability living allowance. You must have required help for at least 3 months and are likely to need it for a further 6 months, in order to claim. The amount you would receive largely depends on how much your disability affects your day-to-day life.

If you receive either of those, you should also apply for housing/council tax benefits. If you get DLA, an adult living with you may be able to claim carer's allowance, but that is a taxable benefit and the carer can only earn a small amount (£80-something) per week on top of CA (should they wish to do so)

If you choose to apply for DLA, you need to send for the CA forms separately, and not delay, they are treated as 2 separate things (which they are, really). I have seen lots of parent carers missing on CA for weeks and weeks, assuming that they went together, hence my warning.

I'm sure I have forgotten plenty of things, hopefully, someone else will fill in the gaps.
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 11:39   #4 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007

Please donate something to CAG if we have helped you.

I am in: up Sauchie an doon Buckie
Posts: 866
GlasweJen InformativeGlasweJen Informative
Default Re: Any advice please?

DLA and Incapacity seem to be the best options in this case. Do remember that they don't seem to like awarding DLA so if you're knocked back make sure you appeal it! They'll get the message eventually and if you need help with the wording on the forms pop down to welfare rights or CAB. A few things to remember when filling out the form: always make sure you're writing about your worst day, get someone who knows you well to fill in the statement from a carer (my mum done mine) because doctors will just write generic statements and if they want your doctors input they'll ask for it. Don't worry if it seems to be taking forever, they're about as fast as a week in jail that lot and they backdate it to the date you first applied.

If you're in Scotland and get the care component of DLA then you're entitled to a bus pass regardless of your age, if you get middle or high rate you get a plus one card to let you travel free with a carer.

Remember that DLA is not a taxable benefit and it doesn't matter how much you have in the bank or how much you or your partner earn. If you do work part time in the future you can claim the disabled element of working tax credits when you work 16 hours or more per week.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 11:49   #5 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2006
Posts: 18,662
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Any advice please?

For filling in forms, remember to say "severe discomfort", not "pain". Pain is seen as manageable (painkillers), severed discomfort is not. Believe it or not, it makes a difference in how a claim is viewed.

As Jen says, make sure you describe the worst case scenario. If it takes you sometimes 10 mns to go to the shop, sometimes 20, write down 20. If sometimes you need help to get out of bed, sometimes not, write down that you do. Etc... A lot of the questions are repetitive and by the time you're finished, you'll want to cry at how badly you make yourself sound, but it is the only way. Trust me, it is worse when you have to describe your child and that the only way not to get knocked back is to describe him as a helpless monster.
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 17:51   #6 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,569
callumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informative
Default Re: Any advice please?

Thanks a lot Bookie and Jen.
I think i may try for incapacity benefit as i do think i could go back to part-time work because as of now my back isnt too bad (i have good days and bad) but i know if i did a full day in a nursing home i'd be crippled myself at the end of it.
The Jobcentre said to claim JSA i have to be prepared to work full time, and i honestly dont feel i could so i think incapacity is the way to go!
Thanks again you two!
callumsgran is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 20:30   #7 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007

Please donate something to CAG if we have helped you.

I am in: up Sauchie an doon Buckie
Posts: 866
GlasweJen InformativeGlasweJen Informative
Default Re: Any advice please?

Good luck CG, if you need help along the way just post up and someone will be along to help, we've all been there at some point.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th September 2007, 23:08   #8 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,569
callumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informative
Default Re: Any advice please?

Thanks hun, will do!
callumsgran is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th October 2007, 10:08   #9 (permalink)
kaydee47
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2007
Posts: 3
kaydee47 Novitiate
Default Re: Any advice please?

hi, just wondering ,i have been on disability living allowance for the past 4 years now, my patner works and earns £350 aweek ,do you think i can claim incapacity benefit,kind regrads kaydee
kaydee47 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th October 2007, 19:52   #10 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 4,390
tiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritative
Default Re: Any advice please?

It's worth trying - follow bookies advice on telling them about your worst days and not your best.
tiglet is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 07:46   #11 (permalink)
poppynurse
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 839
poppynurse Informativepoppynurse Informativepoppynurse Informative
Default Re: Any advice please?

callumsgran - have you thought of trying to get a HCSW job in a hospital? I'm sure they would snap you up with your experience and the moving and handling requirements are very different to nursing homes. I bu**ered my back in nursing homes but have been 100% better since working in the hospital. I worked as an agency carer for many years in many different nursing homes and found the manual handling required absolutely shocking I would never work in one again.
poppynurse is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2007, 07:57   #12 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 4,390
tiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritativetiglet Authoritative
Default Re: Any advice please?

It might be worthwhile checking out the new RCN website - it has a lot more about empoyment and diversity - if you have a look or give them a ring, they may well be able to give you some "careers advice" as it were.
tiglet is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 22nd December 2007, 21:30   #13 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 2,569
callumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informativecallumsgran Highly informative
Default Re: Any advice please?

thanks guys!

ive just looked up my symptoms on the web and it seems i might have arachnoiditis which is nerve damaged by the epidural

am on Incapacity benefit now

Thanks again for your help
callumsgran 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
Advice on Getting Legal Advice (re Debt)? clairus99 General Knowledge 10 19th July 2006 13:25




Do your Internet search here:
UK Web Image



The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.