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About Psychoduck

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  1. just got a phone call from the lady I spoke to at my bank. They've cancelled the Direct Debit agreement (she couldn't see it earlier) and the £35 has been placed back into my account because it was cancelled before the payment was properly cleared, and they've put a block on any more payments leaving my account on behalf of Bauer. So it's got sorted now. Thanks for the chargeback advice though, I was just sorting that out on my online banking when I got the call
  2. yeah, I gave them my details, because I used to use the company when I subscribed to Q magazine about 5 years ago. Never had a problem with them before.
  3. I need help in a possibly issue I have with Empire Magazine. Just over 3 months ago, I was called up out of the blue by Bauer Consumer group. They offered me a bunch of subscriptions for magazines, based on some advertising I'd apparently agreed to. I only ever agree to advertising if it's with a company I trust, and never allow 3rd party. When the lady on the phone began to list off the magazines, I recognised who they were. It was from a website where I'd entered a bunch of competitions, and even won a couple. I was offered 3 months of Empire Magazine for just £1.
  4. My wife has had to have two assessments in the last few years whilst on ESA, due to her ill health and mental health issues. She scored a 0 on the first one, we appealed, and 2 years later the appeal went through and we scored 19 points (not much of a difference, eh?) and we got our benefit back. 7 months later, they sent he for assessment again. Once again, she scored zero. We went back to appeal, 13 months later it went through and we scored 18 points We went back to the full rate in March of this year. It's now just the start of June, and we're being told she has to be asses
  5. Nystagmite: Nope, just income based. Estellyn: We're not entirely sure, she was just told today that it will end in 9 weeks. No explanation was given at the group, she was just bluntly told that and she never really thought much about it til she got home and had a bit of a panic attack over it. We've been on ESA for about 3 years. During which time she's had two medical assessments, both of which scored 0points and went to appeal. Appeals combined have taken up about 18 months of of our 3 years. Both appeals were successful and awarded 17 and 19 points. Benefits were then reinstated.
  6. I was already of the impression we were on Income Based ESA. When we signed up for it, they asked who earned the most prior to the claim which was my wife as I was part time then. They took her tax code, and signed us up on a join claim with her being on Income Based ESA, and be being a partner. That rate, to my knowledge is roughly £112 a week. She gets an extra component now of £28 a week for work support related activity. Will the ESA3 form entitle us to the total of £140 a week? or did you mean the same rate as in the normal 112 a week, but we have to send in the form and it
  7. Hi there, Hopefully this wont be as issue and I will have a job in 3-4 weeks (it looks promising, but not set in stone). Here's my question though. My wife and I are on a joint ESA claim. She is the main claimant, so as far as the government are concerned I don't exist (I have to have her ask for interviews at the JC for me, and she has to be there in person to hear everything I say, and I'm allowed no help with education, travel, back to work payments or anything) Part of our claim has led to my wife being on the Work Component of ESA. She's not found work, due to her stress an
  8. I did a new quote for my insurance, and it went up by £1.08 a month if I declared a claim this year. So not too much really. The LG on Play.com is fine if they replace it with that, as long as it has one Scart socket too... which I think that model does, despite not being listed. I just don't think they have that in any of the places they listed. The other LG, the LED one you posted, is exactly the same spec but LED instead of LCD... again, perfectly fine. If I got either of those two I'd be happy.
  9. Ah, ok. Thanks for that. I just had a call from the people who will come out to look at the TV on behalf of Ageas, and they said if it needs replacing they will either give me vouchers for Currys/PC World. Or buy it direct from Co-Op electronics, and send it me within 5 days. I just needed to know that I'd be able to have some input on what I got, I didn't want a TV that was going to die within a year because they got one that was recoditioned... or one that was lower in spec because almost all 40"+ are now LED, so i'd be given a smaller LCD one.
  10. Hi, just looking for some advice really. I set up my contents insurance through Swinton, and was told I was getting a new for Old policy with Asgeas. MY excess including voluntary is £200, which I can squeeze to. So I don't have issue with that, I certainly can't afford to buy a new TV of same spec brand new. So £200 seems easy by comparison. However, when claiming the insurance, I was told on the phone that I'd get Like for Like... which may have just been the way she was speaking, and not quoting the insurance type cause it was just very quick conversation and dropped in. I m
  11. I had no Medicals, like I said, it was as if I didn't exist. They wouldn't let me do anything, and at the same time, never asked me to do anything for them. I was long term sick for 4 years with mental health, same exact issue as my wife, but only she had to do the medicals.
  12. MY wife was in the WRAG group, but she took one of the DWP medical fitness tests, and as he issues are mental health, she scored zero. Despite the fact the medical report lists all her issues that prevent her from work, because she is able to bend (or was at the time, she has since had a knee op we've now been told she should never have had) she scored 0. So we're in an appeal against that, which is due for a second hearing in January. We applied for DLA a while back and got refused, but I think we should be entitled to it. After my wifes operation, she is in constant pain and is on medic
  13. He just had 'advice' from CAB and then his JC advisor. I'll tell him about community care grants tomorrow.
  14. Thanks for the help so far, everyone. I had assumed he would find it tough to get help, I just hoped there was something I was unaware of. I'm in a bind myself too. I claim ESA as a joint claim with my wife she is the main claimant. When we signed up, they asked who the main claimant would be (3 years ago) we said it didn't matter, and they chose her cause she had a higher income. As time has gone on, I am ready to return to work, on a part time basis, she is still not ready. So I phoned the job centre to see what help I could get. I was not even allowed to talk to anyone, because I'
  15. Hi everyone, really hoping someone can help here, as I have a friend with a problem. He's been in work for 25 years as professional golf instructor. This includes work here and abroad, he came home 8 years ago and work was still good. However, one golf course and two driving ranges have shut in this area, and he can no longer find work. This has been the case for 18 months. He is 49 years old, and currently has to live with his mother in a small 1 bedroom bungalow sleeping on the sofa. He has researched where he can work, and Reading seems to be ideal for him. There are 12 courses an
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