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About chocolatelover1

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  1. Have had house insurance for donkeys years and recently had to put in a claim for accidental damage for telly that fell on laptop. Laptop was second hand one that we bought for our then 8 year old son and two years later it is even more used Company got reports from 3rd party and Insurance company briefly told us by letter that report questions grubiness of laptop, as it had food particles on keyboard (reason being that it belonged to an 8 year old for two years does not seem to have been accepted) and report on tv mentioned that something on the inside was not broken? but damage to outside
  2. Hi all, Im another one querying whether i have a personal loan or a hire purchase agreement from Black Horse. Went to buy another car and the trade in figure for our current car is short on what we owe, and as we have paid 3/4 of it was advised best thing to do was a voluntary termination. The new garage checked our current car and it is registered as having hp against it. However looking at our original finance papers it does not state specifically whether it was a personal loan or a hire purchase, and after reading some threads have come to the conclusion that it could be a personal loan reg
  3. I think he was getting that for a limited time but this was stopped, i think as he had not paid enough National Insurance. My brother is only 25, he had his first breakdown when he was about 22. He left school at 18, was in college for a number of years and has worked for a couple of years. It just does not seem right that he can be left with nothing (and if it were not for family he would be another homeless starving statistic!), when being an alcoholic or having a drug dependancy can qualify people for incapacity!
  4. Is this scenario possible? I have been given some bare facts from my brother and it just doesn't seem right. He had a "mental breakdown" a few years ago and was sectioned for several months. He was released, but still had to attend hospital during the week and was on a variety of pills, I think to "dampen" his brain activity. Then a year after his first breakdown he had another "breakdown" and again was sectioned for several months. However, he has been out of hospital for several months although i think he is still on some sort of remand, where he is continually assessed and can be sectioned
  5. I dont think he still has the loan agreement but he found out after Abbey sent him a big letter about a month ago giving him lots of information on ppi stating that if he thought he was missold it to contact them. Would point out that he has not called them though!
  6. My friend took out a loan a few years ago with Abbey. He was off work for 6 months last year and struggled (but managed) to make ends meet. He was in an accident a few months ago which resulted in more weeks off sick. Only recently we realised that he had ppi on his loan. Friend however is kinda useless at these things and said he did not ask for ppi and just signed the papers when they came through the post. He feels annoyed as had he known he had ppi could have possibly claimed from it when he was off sick. Do we have a case to maybe try and claim some of this back? and if so any one know th
  7. Hey there, just a quick query. I have misplaced my reminder to tax letter and my v5. All i have is my mot and insurance details. Am i right in thinking i cant tax my car, either online or at the post office? Only asking cos my tax was due today and although i have ordered the replacement v5 over the phone it can take up to 5 days to come and my car is sitting on the street untaxed! any ideas?
  8. http://www.administrativeappeals.tribunals.gov.uk/judgmentfiles/j2320/CIS%201813%202007-00.doc This is slightly more recent and although not exactly same circumstances this may help you.
  9. my sister was on a low wage when she single, i think she got around £110 a week. She was some what lucky and had a council property which was £38 rent a week and i think her tax was about £18 a week. She received no discounts at all other than single persons 25% discount on ct. Local council worked it out roughly as follows:- amount if unemployed = I think this is about £45 a week disregard first £10 over this amount so they did not take account of first £55 of her wages. As she received £55 a week over and above this amount this is what they considered when working out that she w
  10. haha i dont have the will power to resist a mars bar, never mind money going into my bank everyweek, with some one telling me i am entitled to it lol i promise i called up earlier and told the caller that i wished to cease my claim. She asked why and i told her that i had just been told i was overpaid over £3000 over 2 year period and that it was not worth the hassle. i was put on hold for 5 minutes and when she came back she said that once you renew your claim you cannot cease it until the following year. I asked if i had no choice then but to accept this money and she said yes, but she
  11. Can someone please tell me if this is right? I have claimed Tax Credits for 4 years and recently underwent an "enquiry". They were satisfied that my son's father did not live with me but since i changed childminders 2 years ago and did not inform them i have been overpaid childcare tax credit for the last two tears, despite the fact i was still paying a registered childminder.At the moment considering appealing the overpayment. However they did advise me that i should change my banking arrangements with my son's father. Thats not a productive option for me for reasons explained in a previous p
  12. hey there a small update. I had an enquiry into my award and the asked for proof that my sons father did not live with me. I supplied them with drivers licence, passport, credit card statements, store card statements, P60, correspondence from his work, finance agreements, vehicle registration documents, insurance documents and his recent poll card which they said was more than enough evidence for them. However the few months from the start of the award and them telling me the were satisfied he did not live with me was the most stressful time of my life! They have suggested that i close the jo
  13. Thanks everyone for theire help and advice. I do feel a lot better. Although I had a look at the guidance for ltahaw LTAHAW: Definition of LTAHAW and it is not very clearcut and sounds as though they can twist it to suit themselves.
  14. Sorry have to ask, did they ask your employers about your personal life? Not that i have anything to hide but my boss is a bloody gossipmonger and i would not want to be the subject of the office gossip I have a funny feeling that by declaring all i am gonna be "investigated".
  15. Yes i think i shall get it in writing. Actually my phone can record calls although i never use it, maybe i could put this function to good use. I understand that people will question my sons father as he is not the biological sperm donor. But i think it should work both ways as if we were to become romantically involved (highly unlikely may i add) it would be expected that he would contribute to our sons upbringing. My sons real father is a waste of space. He put me through the undignified process of a dna test when he knew fine well that it was his son, only to move abroad to avoid pay
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