Hi and sorry for resurrecting an old thread, but did this go anywhere, I only ask because this has direct relevance to my current problems?

Ok I just rang the garage and told them about the problem, He's coming to pick it up to look into it. He asked if she could drop it off but i said no, it's not road worthy, if she can't get 1st and 2nd she couldn't safely negotiate junctions and traffic lights He also said that he'd drove it a lot and not had problems so I'm expecting hassle with this. My mother still insists that she doesn't want it, She's knocking on now and is really worried she's bought a dog. I know she'll never trust the car again so I really need to know if I can just ask for the money back now, without waiting for him to repair it. Whoops he's just collected it, I just told him what had happened and he said leave it with him. He did say it might not be today though so my Mum has no car I am looking at SOGA myself but I'm not all that good at legalese so any advice is most welcome

Hi, Just a quick one, my mother bought a car last week from a second hand dealer, only cost £1000, he insisted on cash, don't know whether this make any difference. Over the weekend she became unable to select 1st and 2nd gears. What are her rights of return, can we insist on her money back? or does she have to give him the chance to fix it? I'm inclined to ask for her cash back because the trust has gone out of the "relationship", and I also don't like the feel of the car, I can't explain it but it just feels wrong, the suspension is WAY to hard,Ii should know as I used to co-drive a rally car and this suspension is harder than a tarmac rally cars, There's other "suspect" things too. Thanx

'Hi Wannabe, I was following this from the beginning but have been off site due to illness, I can't believe this is still dragging on. A very big well done to you, your an inspiration to us all:cheer2: Just 1 question because i'm too lazy to go through 84 pages, What happened with the police who participated in the removal? Once again very well done.

Thanks again, yes we both understand the pro's and con's of both routes, although going the court route will almost certainly be the way she'll go, but the main reason would be for speed rather than money, although I know the court process holds little fear for her, she was the first person i heard of winning back her bank charges way back in early 2006, and she got full contractual interest, just a pity she didn't compound it though.

thanks for that ims, i'll have to have a chat with my friend when she finishes work, after all it will be her in court having to argue her case so I'll let her decide which rate to use, although knowing her i can guess which she'll want.

Hi all, i am helping to get my friends PPI back from cap one but i have hit a snag, the only interest rate i can find on my statements seems to vary month to month, from 1.181% right down to 0.80%, does anyone know which rate i should use? and if so how do i convert the monthly rate into APR or EAR? I should say that this dates from 1999 through to 2006 so this should be quite a lump:-D, i have almost all their statements from when i reclaimed the charges for her . That £10.00 for the SAR was money well spent, Oh I claimed that tenner back too:-D Any help with the above be great Thanx

I could be wrong but wouldn't the bank be in breach of the DPA if they did this?

Hi and thanx for the replies, Yup they could in theory send me another ESA50 at anytime or send me for a medical, in my case i don't think they will until early next year, I don't think even atos could justify harassing me any sooner with the meds I'm on ( they make everything feel unreal, like it's someone else who's driving and I'm just a passenger) and the other treatments I'm doing, even they should be able to see that I'm doing everything i can to get my head back in order, hospital 1 week the shrink the next and i have been doing this for almost 6 months, ( costing me a fortune). Just to clarify, if your put into either the support group or WRAG they normally give a time when you would be sent another ESA50, it says something like " may be able to work in 6months, or 12 months". in my case there's nothing like that so i assume i get 12 months, although if or when i receive 1 I'll let them know how i feel in the strongest possible terms. Yes your right, they assume that you've prep'd all your paperwork yourself and even when i told them that it had taken months and help from others they dismissed this and awarded 0 points for those descriptors. I honestly believe that if you are claiming for mental problems then it's an absolute MUST to get help filling in the ESA50 from welfare rights or perhaps a family member, and clearly state several times who's helped you and why they had to help you, otherwise you could find yourself trying to explain at a hearing, and they didn't accept it at mine. Or if you have no choice like me, then make certain that your problems clearly show through, although i might of taken that a bit far:-). When you let your problems show through make it totally unambiguous, don't give then any wriggle room, make it as plain as possible. Ok off to hospital again, another £12 down the drain:sad:

Thanx ancojo, very good rant:-) don't mind at all. Unfortunately I don't have your confidence about things getting better, due to being accident prone (clumsy) i have spent more than my fair share of time claiming benefits and have been watching the gradual erosion of the benefits system over the last 28 years. I should say that i have worked for most of this time when able, but 11 broken ankles, 3 cars crashes (all as a passenger) and numerous other broken bones means that i have been watching from the inside more often than i'd like. In my experience the government never improve the system, they seem to be trying to dismantle it, and it doesn't matter who's in power, their all the same, they see it as a burden, they think that OUR taxes and OUR NI contributions should be spent on second homes for them or jolly s "working" in some tropical paradise. He he, see what you've done now ancojo, you've got me ranting Anyway, surprisingly about 3 weeks after sending in the ESA 50 i received a letter putting me in the support group:jaw: I suppose what i'm trying to say is,,, If you have problems, whatever they are, DON'T play them down, let them see your problems. In my case it's partially anger, so i let them see the anger, in a way it's good that i couldn't print off all that 20+ pages i had ready, because if i had they would have almost certainly assumed that I'm fit for work, or at least that i need to have a medical so it worked out for me. I wouldn't advise anyone to do what i did, i didn't have much choice, but sometimes it's not a good idea to have everything perfect, in fact at my last appeal they said that the doc's i'd prepared proved that i could concentrate and work in an ordered fashion, and they weren't all that impressed when i told them that it had taken months to get them like that, they dismissed that and the descriptors, so scored 0 for those, luckily they gave me enough points for other descriptors. Thanx again to everyone who's helped and encouraged me over the last few years. And to this site, long may it continue

Hi all, sorry for this really really late update,,,,,, Ok i had over 20 pages to print off by the time i got my head round it enough to feel upto filling in the ESA50. I was half way through the form when i lost it and ripped it up, screwed it up and dumped it in the bin. Luckily i calmed down and came to my senses and routed it out of the bin complete with beans, onions ect stuck to it, i flicked the rotting food off it and was thinking about wiping it clean and ironing it when i had an epiphany, i thought,,,,, I have well documented mental problems, (mostly uncontrollable anger) so why am i trying to rectify the damage cause by these problems, why not let them see the distress they were causing? So i left the form as it was. So while the food stuff was drying it thought i'd print off the 20+ pages. This didn't go well and in the end i lost it and smashed my brothers laptop into little pieces. He didn't take it to well. When i finally calmed down enough to continue with it (2 days later) i had no time left to mess about, i had to post it that day, I very quickly filled in what i could but i was fast losing it again. I'm not to sure of everything i wrote but some of the highlights i can remember are,,, Do you need any special arrangements? YES, you had better have security attend due to my uncontrollable anger especially after the last pack of lies you told in my last assessment. Also the thing most likely to set my anger off is if i'm left waiting beyond my appointment time as i get paranoid and defensive around strangers and new places. Also after the last fiasco i demand a "HCP" who is qualified in Mental Health and i would require evidence of this. I had already put in all the relevant info such as DR, Councillor, Psychiatrist name, all my meds, all hospital appointments in last 6 months of which there where loads earlier when i was more calm. A friend came round and read through the form for me and said that there was no way i could send it in that condition, but after explaining my thinking he sided with me, although he did say that i should cross out all the swearing and at least tape the 2 halves together and iron it. We compromised and i put a single line through the swearing but that was it. Unfortunately before i had chance to post it i opened that days mail, My housing benefit had been suspended. Yup due to this form being late, 2 days before the deadline given. True to form i lost it, i ripped the letter up and i screwed up the ESA50, stuffed it into the pre-paid envelope walked to the post office and handed it over the counter because it wouldn't fit in the letter box:madgrin: Oh and in every "further information" box i told them to leave me alone, except the more info box on the last page, in this i went into great detail about exactly how much their continued harassment had made me suffer both mentally, physically and financially and then told them to leave me the **** alone in thick black marker in letters this big.I'll tell you tomorrow how i did:wink:

just to update/close this thread,,, as advised i took it into the apple store and they replaced it for me with no hassle. Thanx for the good advice:-)

Thats interesting.. I think i might just make that trip to Manchester then and go in the shop. Which city shop did you go to and was it recently? thanks for your quick reply, it has given me some hope. It would help if I could speak to some one in this country for help!

i have just received my iphone sat and set it up Sunday but I didn't notice a hairline crack in the screen until the sun hit it when I was out that day. I couldn't report straight away as I was at a christening had hada drink and it was a bad signal area. When i got home I took the phone out of my bag to call and it shattered as I put it down on the table (i wasn't heavy handed when i did!) The phone then didn't work, although the next morning I realised the battery had died so I charged it and proceeded to call T-mobile ( who I have been a good customer too for many years) They told me there was nothing they could do as I didn't report it when I first got it and i shouldn't of used it. I told them why but they said they can't do anything and to contact Apple. I did and they said it was a £146 charge unless they can see that there was a fault to begin with which obviously can't be proven either way. I am very upset because my insurance doesn't cover me for 2 weeks and why should I have to pay for it to be fixed if there was a fault to begin with? Can anybody offer me some advice on my rights as a consumer please? It is a buisness phone too. Thanks

Hi all, not been on for a while, no internet access. Recieved the ESA 50 a couple of weeks ago and been taking my time filling it in, they're in for a shock when they recieve this one, already at 15 pages. For those who don't know/remember me i had my 1st "medical" in Jan 2010, ofcourse i scored 0, appealed and won Nov 2010, put in the support group, so only got about 3 months relative peace. So, I still suffer from insomnia although it's improved slightly since i won the appeal, anxiety has also improved a bit but everything else has got much worse, do i think i will pass the medical,,, NOT A CHANCE. This time round i understand what i need to do and why, but all this is beyond a joke, as the deadline for the esa50 to be in gets closer i can feel myself going backwards in my recovery, don't they get it, someone with the mental problems i have CAN ONLY get worse with this process. I feel like i've made some headway with my problems and now all this again, i can feel myself slipping backwards. I've been advising people not to take it personally, it's the system thats wrong,, ect, but now it's my second go on the hamster wheel, i'm finding it hard, all the thoughts and feelings i had last year are making an unwelcome return. Ahh well, i'm not going to make it easy for them, we'll see how it goes, I'll keep this updated as and when i can.

Don't forget you still need to send in sick notes while you appeal, and if you get any other benefits you should tell them that your appealing.

Hi there, sorry to hear you've joined the nil points club. You are entitled to the assesment rate once you get your appeal (GL24) sent in, phone then and tell them your appealing, also phone anyother benefits you recieve and tell them too. It's important you get that appeal form in ASAP, you only get 1 month so do it quickly, you only need to say you wish to appeal because of X, Y, Z, no need to into to much detail at this point. Hope this helps and above all, don't let this rule your life, you've come to the right place and you can win!

i don't really understand why they've said that, i'd take 3 copies of your letter and add a cover letter, a very short one, saying that the DWP said your appeal wasn't continueing and only recently were you told that it is. Take all letters with you to prove this including any from JSA. Hand it in as soon as you arrive. Good luck and when is the appeal?

Just bumping this back to the top

I think there should be a report, the "medical" lasted 18 minutes, but if there is no report then you'll need something saying so, or at least a copy of the letter saying you failed to comply ect, it's all evidence.

Hi, thats disgusting, but for once i have to disagree with Alan and HB, i would get my hands on a copy of that report asap and then i would be going to anyone who'll listen, this would be a good place to start,,, http://www.consumeractiongroup.co.uk/forum/showthread.php?284028-CAB-appeals-for-support-for-Fair-Welfare-Campaign I also suggest you visit the MIND website, i filled in a survey about a month ago, and today had a very interesting chat with a nice lady about telling my story to the press, my story is pretty damning for both ATOS and the DWP, but yours sounds even worse for them. As for winning your appeal i would say that you have evry chance, the appeal IS independent, they deal in facts not the ill-formed opinion of some "HPC" who has targets to meet. good luck whatever you decide HE

Hi HB, yup it's disgusting, are the DWP/Government really so blind/stupid? I'm doing ok apart from my laptop going bang last week:( hope your good

just found this http://www.publictechnology.net/sector/central-gov/dwp-awards-300m-contract-extension

Hi well done to both posters on your wins I'm almost certain it gets back dated from the 13th week of your claim so theres money coming your way. I won my appeal 3 weeks ago but still not recieved my back pay, i've heard it takes about 6 weeks so you should get it in time for christmas. The Pain, wow only six months, mine took 9 and i felt lucky, i've heard of 11 or 12 being about normal now. Congratz again to you both:whoo:

I'm really please for you, it seems that theres a lot of wins at the moment,, long may it continue