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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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Moving home on medical grounds to another part of UK


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I will do my best to ask my question without making it too complicated.

 

I have 14 separate diagnosis. I live currently in the home I raised my children in, which was recently transferred from the council to a housing association. All my children have left home. I have carers coming in to help with personal care and domestic tasks and taking me out into the community, i.e. shopping, coffee out, for 7 hrs per week, the remainder of the time I am at home, in doors and extremely lonely. It is having a real impact on some of my diagnosis.

 

I have a friend that is returning from outside the UK after 14 years and they are hoping to return to their home town in Yorkshire. I live in the south east and I would like to be able to share a 2 bedroom flat or house with him in Yorkshire for companionship. There is no relationship other than friends between myself and this person who happens to be male. We have known each other for 33 years.

 

At home I feel as if I am just waiting for the inevitable....I have social services involvement but what I want to know is this....Is it possible to move to Yorkshire and move in with a friend that would for my benefit reduce the amount of care I would require, reduce and potentially stop some conditions from occurring and have a normal happy life as much as possible, without being accused as him being my partner?

 

 

Thanks

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Your friend coming back to the UK would presumably be finanancially independent, so would not require any state benefits ? If they needed any UK benefits, they would need to wait until they qualified for help and pass an Habitual Residency Test. Suggest this is looked into.

 

When you claim benefits, you would list your friend as a non dependant living with you and any housing benefit could be reduced by a small amount, as your friend would be contributing towards such costs.

 

At some stage, yes you could be asked about your relationship and it would be wise to maintain documents to show your history as 2 independent people.

We could do with some help from you.

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Thanks for replying :o)

 

Yes, he would be financially independent, he's 62 at present and plans to travel before finding somewhere to share a place in the UK. Ok, I will keep documents and advise him to do the same. I would imagine the housing association place or council place would be in my name as I would either be doing a mutual exchange or requesting a transfer based on my health conditions.

 

Thanks again for contacting me with your advice

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If you did an exchange and then he moved in with you it will affect your benefits but not as much as having a partner. H may be able to claim a carers allowance as well. Jump through those hoops when they are presented to you, the home swap is not dependant upon any of that.

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"Jumping through hoops" I could drag myself through some I guess lols.

We were together once, perhaps a year, but that was 33 years ago and since then he's been married, now divorced.

 

This is all very theoretical at this stage, I mean we haven't seen each other in 22 years, so will be taking it all rather slowly, i.e, visiting me at mine for a week, then seeing if we still get on face to face after such a long gap....we might, after all this, hate each other altogether and the last thing either of us want would be to end up living in the same place, not being able to stand the sight of each other lols

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the keep your financial affairs totally separate, dont let him have his name on a bill there, even his mobile account until any interest the DWP or council may have is sorted. They like to try it ona nd prove you are an item and thus save them a load of money by making assumptions. The law puts the onus on you to prove the council are wrong so make it easier for yourself and keep all utilities etc in your name.

Anyways, if you do chuck him out there will be no complications in having to create new accounts either.

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Hi

 

Is your present property:

 

Disabled adapted when you took the Tenancy? or

 

Has the property since you took Tenancy been Adapted in any way?

 

Who you really need to be discussing this move with is those dealing with your care i.e. social services.

 

The difficulty you may have and this is only if you require a property with adaptions (this includes your present property if it has been adapted in any way for your needs). Unless an emergency which this is not you would be added to a waiting list.

 

Is your Housing Association linked with Homeswapper or Home Finder? (have a check of there website if so register and have a wee look for the area you want to move to and those wanting to swap.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Hi

 

Is your present property:

 

Disabled adapted when you took the Tenancy? or

 

Has the property since you took Tenancy been Adapted in any way?

 

Who you really need to be discussing this move with is those dealing with your care i.e. social services.

 

The difficulty you may have and this is only if you require a property with adaptions (this includes your present property if it has been adapted in any way for your needs). Unless an emergency which this is not you would be added to a waiting list.

 

Is your Housing Association linked with Homeswapper or Home Finder? (have a check of there website if so register and have a wee look for the area you want to move to and those wanting to swap.

 

Hi,

 

there hasn't been major adaptation, my GP and Soical Worker and O.T. all agreed I needed a stair lift and wet room, but as I am single living in a 3 bedroom house, now my children have left home, even though I pay bedroom tax, they wouldn't do the adaptations. I have a social worker as I have carers to help with domestic and personal care, I have a few diagnosis, but Agoraphobia is certainly a struggle, which I've had for 8 years now, I go out with carers for 7 hours per week over 2 days, the lack of human contact is doing nothing for my depression but my Autism hampers me from being in too big a crowd of people...it's all a bit of a nightmare. Companionship is what I need and as I have a meeting with my Social Worker on Monday 1st October, I will be able to discuss the situation with her. It's all a bit up in the air atm, my friend hasn't yet left New Zealand, he's selling up to move back to the UK, it's not just my needs that need to be met, I just have all this uncertainty of when, let alone where! Thanks for the information and I'll discuss it with my Social Worker :o)

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If you are on PIP or other qualifying disability benefit, then the spare room deduction can be removed or decreased, if you explain need to use a spare room for storing equipment or for a carer to stay over.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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