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Everything posted by silverlight

  1. I actually do. Maybe that attitude is what is sadly missing from society today - people aren't hungry enough to do everything and anything to find a job, any job.
  2. Maybe but 41% were found to have breached the rules. To be fair to all, everyone is treated the same. Doubt = Benefit stopped = proven innocent (monies paid)/proven guilty (sanction). The other alternative as I have said before would be to continue to pay the benefit until the appeal is concluded which may well take 12 months. You can only imagine how that system could be abused.
  3. I think it is 3 times in a year. This is done to ensure that everyone who needs help gets it. I'm sorry but I have no sympathy with anyone that receives a sanction. In most if not all cases, it has been created by the negligence of the claimant. It is an attitude thing - surely if you are that desperate to find some type of employment you would be doing everything and more besides to get it. If I was in the position of looking for a job, I would be tramping the streets every day making a nuisance of myself at the door of every employer. If there was no work locally, I would find some very cheap accommodation in another town/city for 3/4 nights and blitz every employer personally until someone gave me a job.
  4. DWP regulations state that when a letter is posted it is deemed to have been delivered as long as it was 'stamped and posted to the last known address'. If the letter doesn't arrive, then that is grounds for an appeal. If you go the other way would you expect the DWP to continue to pay a benefit whilst waiting to argue that it didn't arrive? If so you would have every Tom, Dick and Harry claiming that they never received anything. Arriving late at an interview is seen by an employer as that the potential employee isn't taking the application procedure seriously. If I was interviewing for a position and an applicant turned up 5mins late, I would show him/her the door. I would expect them to be early! You cannot use the argument that as there are few jobs the DWP should be more lenient - why? Surely the potential applicant should be fighting even harder to get one of the jobs if they are that rare.
  5. What is the alternative? Continue to pay the benefit until the appeal decision has been handed down?
  6. To be more precise, what does it say about the claimants who are causing these 'doubts' to arise in the first place?
  7. Thank you. Yes I am quite happy how it is reported by the BBC. It is factually correct. It is clearly advising that 'The government said the sanctions were used as a deterrent'. and that 'about a third of cases related to people failing to actively seek work, with slightly fewer related to people who failed to participate in the government's Work Programme or failing to attend training. About one in five cases were the result of somebody failing to attend an interview with an adviser'. It seems to me that most if not all sanctions are avoidable if claimants were to comply with what is demanded of them.
  8. The first question you should be asking yourself is 'how certain are you that you will be guaranteed to get the enhanced rate of PIP for mobility when your turn comes to be re-assessed in just over 12 months time (re-assessment is to start in 2015)? Depending on the certainty factor, will lead you to either going for a Motability car or buying your own.
  9. Isn't that a newspaper that supports the left of the Labour Party? What would you expect that paper to produce, a honest report or a biased view? Next thing will be the Communist Weekly!
  10. http://www.entitledto.co.uk/calculator/ There you go, just make sure that you answer the questions correctly using the info I gave for this hypothetical couple. Couple both over 65 - say both born on the 1/1/1944 Both receive the lowest rate of Attendance Allowance Both claim Carers Allowance for each other but it is not paid due to 'overlapping' rules. One receives £110 a week State Pension, and the other £65 a week. NO other income, savings under £10,000 and no other assets. Rent payable £90 a week for a 1 bed flat. The 'maximisation' rules are that either AA must be awarded at any rate for both of the couple or indeed the middle or higher rates of care for both. Mobility doesn't feature as it is of no benefit when trying to maximise the income. It is the use of the 'passport' onto other benefits that is important. I would mention that I have also done the same calculation but with ony one of the couple claiming Attendance Allowance and the other claiming, but not getting paid, Carers Allowance. This produces a figure of: Pension Credit £80.35 + 2 x pension £175.00 + 1 x AA £53.00, making ££308.35 a week. A reduction of £205.30 a week because only one of the couple receives AA. You can see how important it is to ensure that an award for AA is made.
  11. In which case you have either made an error or the system you are using is not up to date. Go to 'Entitled to' and put in the following info: Couple both over 65 - say both born on the 1/1/1944 Both receive the lowest rate of Attendance Allowance Both claim Carers Allowance for each other but it is not paid due to 'overlapping' rules. One receives £110 a week State Pension, and the other £65 a week. NO other income, savings under £10,000 and no other assets. The result will look like this: Means-tested income entitlements Pension Credit-Guarantee Credit £12,097.80 £232.65 Pension Credit consists of two parts – a guarantee element and a savings credit element. This line is provided for information. Pension Credit-Savings Credit £0.00 £0.00 Pension Credit consists of two parts – a guarantee element and a savings credit element. This line is provided for information. Pension Credit £12,097.80 £232.65 Pension Credit Award. Means-tested bill reductions Council Tax Support £1,030.86 £19.77 You should not have to pay Council Tax as you qualify for full Council Tax Support. Housing Benefit £4,680.00 £90.00 You should not have to pay rent as you qualify for full Housing Benefit. For more information on what qualifies see eligible rent for Housing Benefit. Total Entitlements £17,808.66 £342.42 So the total weekly income is made up of Pension Credit £232.65 + 2 x State Pensions £175.00 + 2 x Attendance Allowance £106.00 total weekly income of £513.65
  12. No justification? Maybe not, but I certainly have an opinion born out of experience and personal knowledge. Having a view on political justifications is not helpful, not without quantifiable examples and evidence. Might I suggest that you read a little more on the ins and outs of the legislation and case law. Benefits that relate to sickness and/or disability are in the main, Attendance Allowance, PIP, DLA, ESA and IIDB. Get to grips with how these benefits interact with others and you will discover a whole new world of what people call 'Maximisation'.
  13. In which case you would probably fit right in with the rest of them from what I have seen of the inside of a Jobcentre! I would also suggest that what you propose will go in your favour if you were to ever claim ESA and attend an assessment. Many reports that I have seen prejudice those that make an effort in trying to look reasonably clean and tidy. Something along the lines of 'he was well kempt'.
  14. I don't read the DM, in fact I don't bother reading any newspaper - they are either generally full of doom and gloom or washing other people's dirty laundry in public. A 'pensioner' (over 62) need not be severely disabled to gain additional premiums. When looking at Attendance Allowance it is sufficient to show some needs that arise purely out of age with no medical complications. Mild arthritis would create the needs to qualify. Those on the lowest level of AA will receive an additional £53 a week. This is paid in recognition of those extra needs. Yet if both of the couple claim it for an age related reason they will receive an additional £106 a week combined. They are then entitled to claim Carers Allowance for caring for each other. And if they receive a means tested benefit (Pension Credit) they will receive another disability premium of £119.00 a week because they each receive any level of AA??? Why I don't know, they have already been compensated for their needs by receiving the £106 a week via Attendance Allowance. Additionally by claiming Carers Allowance they would receive between them another £66.60 a week. So the minimum of £202.05 is increased by £106.00 (AA), £119.00 (Premium) and £66.60 (CA) making a total of £493.65 a week. If they were awarded the higher rate of AA each, another £52.30 a week making £545.95 a week! To say that pensioners are in poverty is something that most people believe but it is not true. Yes there are some, but the majority of 'pensioner' couples enjoy an income of somewhere between £202 and £545 a week, not forgetting that they will have no liability to Council Tax, receive full Housing Benefit as well as considerable help towards health costs.
  15. Is this the place to discuss political decision making? No doubt you would be happy to go back to the 'good old days' of coal fires with coal being provided by the NCB? With discounts for those who receive 'welfare 1950's' style? It is better to help more people but offer less in terms of monetary value than it is to offer much more restricted help to a few but at a higher monetary value.
  16. Thank you, I am fully aware of the 'real' world. I just have a problem with people who use the WFA for reasons other than that it was intended for. Budgeting is as I have mentioned before, is that you estimate what your total fuel cost is for the year and divide it by 12 or 52. Each week or month you either pay that amount to the fuel provider or put it on the cards for the meter. You will build up a credit in the summer which will be used in the winter. As an example if the total is £1400 you would put say £20 on the gas card and £10 on the electricity key every week. Doing it that way you would have no worries over a high bill in the winter and consequently not need the £200. As for pensioners being poor, if that is the case then those under 62 would be extremely poor! Someone (a couple) under 62 and over 18 would be expected to live on a minimum of £112.55 a week, whereas someone (a couple) over 62 would get a minimum of £222.05 - an increase of £109.50 a week. In fact most 'pensioners' over 62 could well see their minimum weekly payments be up to £500+ a week depending on the extra premiums that they could claim. As for your final paragraph, I don't go in for commenting on political points of view, I don't believe in politics, never voted and never will. I have yet to meet any politician that doesn't have an ulterior motive behind everything they say and/or do. I just let them get on with it. As for the wealth of the country, what I would say is that without wealthy businessmen there wouldn't be any jobs.
  17. I presume that you don't qualify as a 'core' applicant? The 'broader group' is decided by the energy company. They have the right to choose who to pay it to. If the 'pot' has been used up by the time they get to your application, or that you aren't at the top of the vulnerability scale, you may well find that you get nothing even though you qualify on paper. This does happen with all providers - what they don't do is tell you why?
  18. 'It's not a great deal of money'? It's a drain on precious resources that this country can ill afford! I would agree that it is important if it was used to pay for additional heating in the winter but it isn't. Most people now have their dual fuel paid for by equal monthly payments. Whether it is in the heat of summer or in the depth of winter, the monthly payment still remains the same. People have budgeted for that monthly amount. Then I think along the lines of if that is the case, what do they need another £200 for? They are already paying for what they use each month. Then I hear that the majority use it for the extras at Christmas - as if that won't cause an uproar! I'm sorry but I am normally a very fair person, but to use what was originally given to support the extra cost of winter heating when monthly budgeting was not around as much to buy a few more Xmas presents, a bigger turkey or maybe put it towards the summer holiday is one sure way of annoying those that pay for this payment. Personally I think that it should be scrapped along with the £10 Christmas Bonus as it has run it's course of it only being used for paying for the extra fuel in the winter. I find it embarrassing to receive it when we don't need it and can't/aren't allowed to send it back and look at my children's husbands' who work and pay the tax just so that it can be handed out to us. We aren't rich by any stretch of the imagination, but our winter fuel costs are already covered to a certain degree as our fuel account is always well in credit at this time of the year (currently just over two months in credit - £237). If they are robbing Peter to pay Paul and need the £200 to 'balance the books' then their budgeting skills need a little attention as they are relying on something that is not being used for the purposes of what it was designed for. As my father used to tell me - wage £10, expenses £9.99 = happiness, wage £10, expenses £10.05 = misery!
  19. Sorry but I seemed to have missed your posting - apologies. http://www.icaew.com/ http://www.tax.org.uk/ http://www.accaglobal.com/ http://www.aat.org.uk/ http://www.att.org.uk/ Those are the 5 main accountancy bodies. All 5 will give you the low down on what they are about. Right so you have a degree in accountancy. Most if not all agencies will only advertise jobs for the qualified person. There are two ways of becoming qualified (all require study and exams). 1. Personally approach all of the local firms that would employ an accountant - have a search in your area using this directory http://www.kellysearch.co.uk/ Make sure that you point out that you wish to further your career and be prepared to take on ANY accountancy related job - you can only go upwards! 2. Find a rich uncle or look for grants to fund your further professional intentions at a specialised college. You could even do the studying at night. I used to teach Tax Law to ATT/AAT students at night school at Swansea University so I know that it used to be available. The hardest bit is to get your foot into the doorway of an employer. You just have to do what you have to do! It might be easier to get a start taking the AAT exam then moving off to either ACA or ACCA. At least it would be a stepping stone with AAT/ATT under your belt! You could also decide to specialise from the start either go AAT/ATT then CIOT or simply just CIOT. To find a company that would be willing to give your a study contract (Articles) for either ACA or ACCA will be difficult given that there are a lot of high fliers around. Have you considered an apprenticeship? - have a look at the ATT site if that is of any interest. Have you an account with https://uk.linkedin.com/. You would be surprised how many people are offered positions from that site. One final point, I have always directed people to the Michael Page site. My grandson (after 6 months work experience with HMRC) found his first appointment through them and they know the business inside out. You could even ring them for some advice now!
  20. Which doesn't appear to coincide with: I'm still none the wiser. Do they average income or do they just take it that each week is totally separate when calculating the amount of Carers Allowance. If they don't average, then the advice must be to earn a month's income in one week and have no income for the other 3 weeks.
  21. It doesn't really matter what they do does it? You could very well ask what the ex pats abroad do with their payments? It is all down to an individual's conscience. There will be many that wouldn't dream of giving anything away and them knowing that they don't need the money, and you will have pensioners that always think of others over themselves at Christmas time and will give their last penny away. People have to live with their conscience. We couldn't imagine being that mean. Only this evening my wife has donated £100 to the Philippines Disaster Fund. She told me that the weekend away will have to take second place when compared to how those people are suffering - and I have to agree with her.
  22. From what I have managed to get out of the Pension Service is that they will write to you (here's hoping that the letter is delivered!) about 3 months before the pension is due to be paid. It is then up to you as to whether you want to claim it or not. Whatever you do, the Guaranteed Pension Credit will be revised from when the pension is payable on the basis that you are receiving it. If you choose not to claim it not only will you have a reduced Guaranteed Pension credit award but if the pension remains unclaimed after 12 months you will lose it altogether - you can only get 12 months backdated. So if you feel generous towards the government and want your pension to go to a better home, don't bother claiming it!! It seems that up until 2010, if you put off claiming your pension you could get it enhanced when you did claim it - that was stopped. Now it is as simple as claim it or lose it! We will never know how many people do actually lose out in this way but I know one that has in a rather big way - £25,000!! I didn't realise that you don't get your state pension if you fail to ask for it. I thought that it was paid automatically on reaching retirement age. I wonder how many others think the same?
  23. You will probably find that the DWP/LA will now press for the repayment of all of the monies.
  24. I'm not too sure if the same regulations apply to the WP as they do to the DWP. Under those regulations it is sufficient for them to show that they posted the notification to the last known address and that the correct postage was paid. Whether you received that letter is here nor there. I actually lost a case at a Tribunal on that basis recently. The DWP said that they had posted the letter to the last known address. I refuted that as I did not receive it. When I received a copy of that letter many weeks later, I found that it had been addressed to an address that I had not lived at for a year or two. The DWP refused to accept that as a valid reason for a late appeal which was agreed by the Tribunal some 12 months later. In the Judgement the Tribunal made a point of saying that the DWP had carried out their duty and it was not their fault that I never received the letter.
  25. I understand what you are meaning, but there are many that were never on the low social tariff even though they were entitled to be on it through ignorance or the inability to understand the complex schemes. They have been paying 'through the nose' for their fuel for years. Many have also never claimed any of the electricity rebates for the same reasons. This 'interference' was set up for those people. The complex tariffs are being got rid of which should help a lot more in the long run. There will always be winners and losers whatever they do. If I was you I would count myself lucky that I have had the opportunity to receive help from both schemes over the years whereas many others haven't. The bottom line as I see it is that the average dual fuel costs this time next year will be in the region of £1500pa - you like many others will have to learn how to budget for it.
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