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unclebulgaria67

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unclebulgaria67 last won the day on September 11 2020

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  1. I am a Union H&S rep and I would strongly suggest that you follow the advice of EMMZZI noted above. Your employers are likely to have made it a requirement for all employees to advise them of any Covid issues. So there will have probably been a requirement to advise them of the Covid test taking place. AND it may have been a requirement from your company to stay away from work until you had received the test result and then to stay off work for the required period if a positive test. If you are in a Union, please contact your Unions local office rep or the Unio
  2. Housing charity Shelter should be able to answer your question and can possibly help chase the council on your behalf. Get help - Shelter England Housing Benefit rules can be complex and therefore you need to speak to someone who deals with it as part of their job., hence recommending Shelter. I could not find any information to suggest that the Council has to comply with any specific time constrains in issuing decision notices. If Shelter cannot assist, your local MP's office should be happy to chase the Council and then you should gain a r
  3. Why don't you engage with Coast and see what help they will offer you ? If you don't engage with them, then I can see them using this against you, if this went to Court. Is there a way you can downsize/move to cheaper Housing area and enable equity to be released ?
  4. Agree with dx view on this. If you find an independent whole of the market mortgage advisor, they may deal with smaller lenders (not sub prime) who may consider you, but only if you took certain actions with the debts. I think your next step is to have a long telephone conversation with an independent Mortgage Brokers and they should given you an honest view on options. Perhaps there are property purchase options such as shared ownership, where you may be in a better position.
  5. How old is this debt ? When was Halifax account originally taken out ? Approximately when did you default ? Why did you default ? If in financial hardship, did you contact Halifax advising of this ? Have you made any payments since default ? If so, when did you last make a payment. Cannot see the point in contacting PRA at this stage, unless you are looking to come to an arrangement to clear the debt.
  6. Not at this stage. Wait for a DCA to contact you further. Sometimes following sale of a debt, it can take awhile before the new owner makes any contact. The new debt owner is only given fairly basic information by the original creditor Bank and may not have you recorded on their systems yet. If you write to them now, they may think you are looking to settle the debt with them.
  7. Suggest going to a whole of the market Mortgage Broker with all of the information and they will tell you what is available based on all of the information. Mortgage application will depend on how they score you and the Brokers should hopefully find a lender.
  8. Sure start maternity legislation was subject to changes in 2012. Are you sure the 2011 guidance still applies ? Sometimes guidance is changed for a period, but Government then issues legislation to ensure that the benefit restriction they originally intended applies.
  9. Reply from Frances sent but not to the thread. Many thanks for your replies. I have followed your advic in post 1 and written to DWP for statement of reasons etc. However, your 2nd reply, which quotes parts of the legislation/ policy for the grant, seems very clear with regards to the 'exceptions' for having another child in family (under 16) in stating you must not be the parent of or other exceptions in terms of multiple births etc? However, a further publication 'Restricting payment of the Sure Start Maternity Grant to the first child' [Equality Impact Assessm
  10. Many thanks for your replies.  I have followed your advic in post 1 and written to DWP for statement of reasons etc.

    However, your 2nd reply, which quotes parts of the legislation/ policy for the grant, seems very clear with regards to the 'exceptions' for having another child in family (under 16) in stating you must not be the parent of or other exceptions in terms of multiple births etc?

    However, a  further publication 'Restricting payment of the Sure Start Maternity Grant to the first child' [Equality Impact Assessment - January 2011 (DWP)' gives very clear & specific guidance in its definition of a 'first time mother' being awarded the grant.  Even if their are other children in the family from her partners previous relationship.  It seems to suggest that provided children under 16 living with them, are from the 'fathers previous relationship, if the woman is then pregnant with her 'first child' a payment would be due?

    It also states, that if the circumstances reversed, and it was the fathers first child, a payment would not be due.

     

    All a bit misleading, as in the one hand there are very clear and specific circumstances related to other children of the family etc which seem to contradict the situation above?

     

    confusing really?  But thanks for the advice.  Very helpful.

  11. This is taken from the Sure Start Maternity Grant application form. I have made bold/underlined, what they have applied. They have not applied any exception which you think should be applied in your case. You may be able to get a Sure Start Maternity Grant if you live in England or Wales and : • your new baby is the only child under 16 years of age in your family, or • you already have a child or children under 16 years of age in your family and you are having a multiple birth, for example twins or triplets, or • you already have a child under 16 years of a
  12. Without reading into the issues you discuss in your post, not sure of the legal position here. But what you can do, is ask the DWP for a written statement of reason confirming the legislation they have applied to decline your benefit claim and also how they have applied this legislation in your case. When you contact them asking for the written statement of reason, ask them to note that you will be submitting a mandatory reconsideration and will be providing further information, once you have the written statement of reason from them.
  13. I cannot see many people agreeing to any virtual webcam review of goods to be controlled. Many people in debt may not even have the facilities to be able to do this. And the few that agree may try to have a laugh at the enforcement companies expense. e.g. this painting is by well known local artist Peter Ist, but he signs his paintings as P Ist and this other painting is by Brian Roke who signs his paintings as B Roke. Who would agree to this without understanding the consequences ?
  14. I just completed this quiz. My Score 87/100 My Time 151 seconds  
  15. All of the information you have posted suggests that what has happened in regard to the change in benefits is correct. Because of your increased disablement benefit awards and your husbands accountant completing his employment earnings reporting, this has triggered the tax credits claims. This is to ensure that as a couple your overall benefits are on the correct basis. This is keeping you on the older benefits such as ESA and tax credits, as you would potentially be worse off due to your benefit entitlements, if you had to claim Universal Credit instead. But it may b
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