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cornish donkey

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About cornish donkey

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  1. Hi I have just discovered that there’s been a DWP blunder when people migrated from IB to ESA. I’ve not been contacted yet but I am just trying to work out If I was one of the affected claimants. When I claimed IB I was also given an Income support top up for my partner as he wasn’t able to claim JSA at the same time. When I migrated I was put on contributions based ESA for one year and then it changed to IR because I was placed in WRAG group. Am I right in thinking I could have been entitled to both types of ESA? Neither myself or my partner worked at the time and we had no assets or savings at the time. Tia x
  2. Sorry to sound stupid but what do you mean by pro rata? Although our budget has been done as a family and although I have a credit card balance of £0 would I be able to get a money transer for £400 to bring his debt down to the £20,000? I don't think the OR is interested in me as it's his DRO and as he can no longer work his debt is a serious problem,
  3. Hi My husband has been advised by StepChange that a DRO would be suitable for him and they requested a copy of his credit file from Noddle. We didn't realise his mobile phone would be on the credit file but it makes perfect sense as he pays part airtime part device per month. The problem is because the device is on the credit file it bring his debt over £20,000 by £400. I spoke to the insolvency service today and asked what could be done about this and although they confirmed they could not object to myself or another family member making equal payments to his debts to bring it below the threshold they did not state whether the DRO may or may not be rejected. My husband and I are unsure what to do?
  4. Hi, I sent the SAR request including £10 cheque to; direct finance operations,SAR team, Chatham rcsc, waterside court, western ave, Chatham maritime, Kent, ME4 4RT They sent the SAR within the specified time scale, they also dealt with my complaint within 8 weeks and sent a cheque for £850 around 5 days after I accepted their offer.
  5. Thanks for the response. I just phoned Barclays and they told me my complaint is with the case handlers and they cannot give me a timescale as to when it will be completed. I asked if it would take as long as my original complaint and she didn't know, so I told her the 14 days were up and I may go to the FOS but she stuck fast to not knowing when it will be completed.
  6. Does anyone know if there is any time limits when cases are reopened? Do I take this to the FOS tomorrow? (23rd) I put a 14 day deadline which will be up but they have already responded. Not sure where to take it from here?
  7. Okay so I posted my letter to Barclays (there was abit of a delay in me posting it) I dated and posted it on September 9th and they sent me back a letter dated the 12th saying they have reopened the case and am sorry i'm still not happy. How long do they have to revise this decision? Is there a time limit?
  8. Updated, could you check this one for me please. Dear Sir/Madam   I am writing to you following a telephone conversation I had with a PPI advisor today who told me to put my concerns in writing. I received the outcome to my PPI complaint today and I am not entirely happy with the outcome. I can see you have refunded me the interest I was overcharged on my chain of loans but you have charged to me a regular premium PPI policy. On what basis and authority do you have to suggest I would have opted for this product? In my original complaint I told you that I had no idea PPI was placed on my personal loans and I was very upset to learn I paid for something I knew nothing about, did not need and did not want. I have been a loyal Barclays Customer since 1995 and demand you to reopen my case and demand you refund all PPI and appropriate interest to avoid lodging a formal complaint with the financial ombudsman service about your handling of my case and the unfounded assumptions you are making. I would also like to add that I am aware the financial ombudsman will charge you a fee if they become involved.
  9. Nice one thanks! I'll stick it in the post tomorrow
  10. How does this sound? Dear Sir/Madam   I am writing to you following a telephone conversation I had with a PPI advisor today who told me to put my concerns in writing. I received the outcome to my PPI complaint today and I am not entirely happy with the outcome. I can see you have refunded me the interest I was overcharged on my chain of loans but you have charged to me a regular premium PPI policy. On what basis and authority do you have to suggest I would have opted for this product? In my original complaint I told you that I had no idea PPI was placed on my personal loans and I was very upset to learn I paid for something I knew nothing about, did not need and did not want. I have been a loyal Barclays Customer since 1995 and urge you to reopen my case and look at your decision once again. If I am not treated fairly and refunded in full I will lodge a complaint with the financial ombudsman service about your handling of my case and the unfounded assumptions you are making.
  11. Thank you, i'm glad you understood my ramblings... Is there any chance if the case is reopened they could take the money they credited me back? or come up with an alternative redress leaving me out of pocket? I have spent the redress they credited me with on paying of my high interest credit card (sigh of relief!!)
  12. I have just received my paperwork from Barclays and they have refunded me the interest i paid on my 5 loans but not the ppi i paid, instead they they changed the amount of ppi i paid and refunded the difference. They said they found no failings in the way the ppi was sold. I phoned Barclays and told them this cant be right as i didn't know i had ppi and wouldn't have wanted it if they asked me, they told me to put it in writing and highlight this issue even tho their letter says its their final decision. is it worth it? i have spent the redress on paying off my credit card so would be worried incase they try and take the redress back. confused...
  13. Thanks for that, i'll try and find my answer before i post next time.
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