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mackerel

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About mackerel

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  1. Hi all. First please allow me to explain my situation. I am a full-time carer for my partner who has physical and mental disabilities, and as such is on PIP (standard daily living, standard mobility rates). He also gets ESA (Support group), which allows us to get Housing Benefit and council tax benefit. I also claim carers allowance for looking after my partner full-time. We have been discussing my return to work - initially to supplement our income within the confines allowed by each benefit, but hopefully the work may grow so that we can come off of some of them altogether. I will
  2. Hello, i am hoping someone can recommend a good place to get a loan from? I am currently unemployed but i do own my car outright worth several thousand £, and am looking for a loan provider that will use my car as collateral. Please note i am NOT after any logbook loan type companies, but a provider that maybe you have had experience with and can recommend. I have tried the internet comparison sites but they do not allow me to enter the car to take the loan against. Thanks (apologies if this is not in the correct forum, please move if necessary).
  3. Well i finally got hold of the advisor before the interview, and we agreed to do a telephone interview. It went so-so, partner started getting quite agitated at some of the questions (what jobs did you have on your summer holidays when you were 14?!?!). Anyway, the advisor mentioned she would need to arrange another interview in a month, as she said it would be unlikely that the appeal would be processed by then, my partner would need to attend that. Is that true, that the appeals take that long to be looked at?
  4. The advisor is due to phone some time tomorrow - is there anything i can say that will make them defer these interviews until the appeal is over? Would they speak to me instead of my partner (she doesn't do very well on the phone), to answer questions on her behalf?
  5. Appealed the decision, got confirmation of the appeal in the post. Then spoke to the office that would be doing the personal advisor interview. I told them that due to us appealing the decision, and the fact that my partner suffers from mental health problems, she would not be able to attend. They said that the because the original decision on file is that she has been placed in the WRAG, she must attend all interviews until a new decision is made, as they are compulsory. This is bad news, as i know from reading on here that appealing the grouping can take months, and i fear in the meanti
  6. Confusing indeed!! Although i believe a part of that may be may fault for not posting back sooner and keep the thread on topic. Latest update: we sent the appeal form (GL24) off, and the next day got a letter from jobcentreplus with a date for a WRAG personal advisor interview! It hasn't even been a month since we received the original decision letter, and i'm not sure the appeal has even been processed yet. What shall i do about this? There is no way she can attend the interview, nor do i feel she should. I'm going to phone the dwp tomorrow to find out what the hell is going
  7. Finally got through to the dwp, and asked why she was placed in the work related activity group without being assessed. They said that they have no medical assessment on file, and that the decision had been made regardless, without seeing her. Well that makes going to the assessment worth the effort for everyone doesn't it? Got a GL24 being sent to me, starting the appeal process.
  8. Well i went to the CAB on Monday, they took some details and made an appointment for me with their benefits guy the next day. We went through a lot of things, but a couple stuck out. First of all, he was really concerned that my partner had been placed in the work-related group without even being assessed. He said they only do that if you fail to turn up for an interview, and that got me fuming thinking that not only did they mess us about on the day, but would they turned round to the dwp and said we didn't even attend? If they do, how can we prove that we did attend but were sent home?
  9. I may as well post it here as there is nothing personal in it and all the rates are available on the internet. This is from the letter we received yesterday.
  10. It's not your fault your it's complicated, although sometimes i feel it may have been designed that way on purpose. Yes, we are both over 25. I think at the moment, as we are on joint income support under my partners name we get £120 odd per week just for IS, then carers allowance seperately of £56 per week - so what you are proposing would mean we get slightly more, which is always welcome, with the advantage of not having any of this hassle, although i need to compare it to the ESA support group rate, which is what my partner should be placed into. The letter we got said that being
  11. ok, i think i'm getting the picture. So because i am claiming carers allowance, i can apply for income support in my name, as a joint claim to include my partner. This would mean that she would not need to go on ESA, but then i would lose carers allowance - i'm assuming that's the payment and not the eligibility - but get income support with couple rate, couple disability premium and carers premium. Would i be worse off financially by not having carers allowance? But then i'd be able to claim carers allowance again in a few years time when DLA is replaced, is that right?
  12. thanks for explaining further mikey, what you're suggesting sounds ideal. I'm just getting confused how i can apply for income support for the both of us, when income support is being replaced with ESA- eventually, wouldn't be back in the same scenario, with them wanting to stop the income support and put us on ESA? Sorry if i'm being dim, but for obvious reasons i need to have a clear understanding of how these things work, and they don't make it easy! For instance, quoted from http://www.nhs.uk/CarersDirect/moneyandlegal/otherbenefits/Pages/IncomeSupport.aspx If we did procee
  13. Interesting, but a few things - she was on income support, not incapactiy benefit. And the fact that she has been placed in the work-related group is ridiculous, i think. But if i then claimed income support in my name (which i'm assuming would be esa as a new claim) wouldn't i then be placed in the work-related group, with me having to attend the interviews (i have no problem with this, except the fact i would not be looking for work at the moment due to being a full-time carer).
  14. Hi, thanks for letting me know who to ask for. As for the income support being closed - i'm not sure is the answer. We were on income support, but with the letter this morning saying that my partner is now in the work-related ESA, i'm assuming it is closed, since this morning? Or does the income support stay in place until the time to appeal is over?
  15. Hello I am writing this on behalf of my partner, who has mental health problems (bipolar depression, anxiety/panic attacks, ocd and agoraphobia). She currently claims DLA at the middle tier for care, and lower tier for mobility. Her condition is such that DLA will not be reviewed for another 5 years, as she has a long case history with CMHT's and secondary care facilities. She also had a fresh psychiatric evaluation just two weeks ago, as we moved recently and she had to be placed back into the mental health welfare system in a different county. I am her full-time carer and claim car
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