Currently I receive income related ESA and have done for a few years now. Presently I live with my parents but my significant other has just bought a house and wants me to move in. My significant other earns over £30k a year so that takes use above the limit for being eligable for benefits I believe so I need to inform the DWP to inform them of the change and my benefit money will stop. The house they have bought needs a lot of work done to it and so I don't think I will move in until september at the earliest as due to my illness I am unable to live there while work is being done. I would like to know when I should contact the DWP about my change of circumstance. Can I wait until I move in then just write to them telling them of the date of the move or should I tell them in advance and if so how much in advance. What should I expect should I just call them, do they send a form out? I am not long through an assessment period, will telling them I am planning to live with a partner trigger another assessment?

Hi Caggers!!! Once again I'm back with another claim for Default charges on BPF's loan. Briefly info about the loan, I took a digital camera on finance from Jessops in new year's day of 2008. The finance was facilitated by Barclays Partner Finance. The duration for a fixed-sum loan agreement was 47 months (28.8% APR) and my first payment was due 12 month after the advance date. In 2013, I received a letter from DCA demanding a repayment for a 3 figures debt. I then send then a letter that I'm not aware of such and such date and if then want to pursue it they must provide me with all relevant details regarding the debt. To my knowledge this loan was finished in 2011 and even the direct debt was cancelled after a 47 months from the advanced date of the agreement reached. Then the DCA provided to me the loan Agreement signed copy. I sent them another letter demanding statement of the account. I then send them CCA and SAR followed but in all attempts were unable to provide me a account summary. It was like funny game for 2 years, once they send me a letter; I kept remind them account summary then they go quiet for few months and repeat it again. I even SAR Barclays to get access for the account summary which was unsuccessful attempt as well. After I notice the damage their adverse note cause on my Credit file I reported them to FOS. Finally after 8 weeks I received the account summary and I was shocked. June 2008, the Direct debit failed on the due date, 2 day later I was charged £20 for Unpaid DD/cheque chg, then 2 days later BPF made another attempt to collect the unpaid Direct debit which failed again. 3 days after the last attempt I was charged for default sum L1 and default sum L2 after 6 days later. As you can see in a space of 13 days I was charged £65. As that is not enough, the followed 12 months I was continuously charged £45 as Default sum L1 and L2 despite of the Direct debt collected on the due date in each month which resulted £605 added in to my debt. I have already sent BPF a preliminary letter and LBA , and received no response from them. So tomorrow is due date to file N1. The experience I gained last year through @Slick132 and @SabreSheep support, I decide to start this thread for benefit of other and seek more support in this journey. I will shortly up load a POC draft for this matter and you are all welcome for any contribution. Kind regards ewgm

Hey guys anyone know where the cars are taken once they been repossessed had mine taken Wednesday but was half asleep when they took it as was on night shifts plus I gave the repo blokes some abuse but got no paperwork just wondered if they get auctioned off and if so where? I'm based in Newport South Wales. 62 plate Audi A3 they took got no issues with them taking it just wondered where it goes afterwoods. Cheers

Hi, I am currently splitting up from my partner who I have a child with and we are not married. I personally have a mortgage on the property which we are living in and it is in my name. While living in the property for the last 5 years I paid the mortgage and my other half paid the bills such as electric, gas etc. My partner also has a property of their own which I have no interest in. Currently we are trying to work out how to move forwards, she is telling me I should sell the house as she wants 50% of the sale of the property. Where do I stand here? How long can she live in my property for or can I ask her to move out?

Partner is a skilled welder/fabricator. Been with current employer for 24 years. Currently on £9.67 per hour. Older brother took over firm some time ago, for 8 years has refused my partner pay rise every year. Boss wont say why he refuses an annual pay rise. Because of the cost of living going up and his wages not reflecting on this, anything my partner can do?

hi there not sure if this is the right place buthere we go five months ago i went into a buisness merge/partnership with a friend who is in the same line of business who was struggling financialy because i thought extra pair of hands would mean less hours for me. i left the partnership 2 weeks ago as he was hardly doing any work and i was working more than 80+ hours a week. i had agreed for a fixed income untill his debts were up to date at which point the profits would be 50/50 but he was not paying off his debts and just chilling leaving me to do all the work. i had a complete setup but he hardly had anything i even injected money into the business for stock but as i was seeing more of my hard earned money eaten by him i told hime i dont want to work with him and that i would just take all my stuff and set up shop back where i originaly had my business. when i went to pick up my things he told me that we need to sit own and do paperwork profit/loss before we do anything else so i had to wait so he can work it all out so i went home so i went home only to recieve a phone call from him threatning me, me being a nice guy decided instead of the police to get friends and family of our involved to sort this situation out and in return i just recived a invoice for my car at his place which i was not able to pick up because 1 he had it blocked in the yard 2 he threatend me so i did not go back just waiting for our friends to get a solution but now he has sent me an invoice plus all my stuff are at his place and the thing is we did not have a written agreement and the thing is i dont know what to do to get all my stuff back

Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment for ESA and I have some questions. Firstly does anyone know how likely it is that after 4 years in the support group it will be that they can remove the benefit from me? My condition can in some cases improve but in my case it has not and I still attend the hospital regularly 2 or 3 times a year and I am awaiting a further referral. Surely it would be very difficult for the dwp to remove me from a benefit they previously agreed I was entitled to? Also if I am called to a face to face assessment I will not be able to take anyone with me I don't think which I have done in the past, I will be able to get a lift to and from the centre but nobody is free in the day anymore to come in with me. Will not having a companion at the wca be bad for my claim? My last question is on the new esa50 the say not to send any appointment letters. I feel I should send them copies of my appointment letters as it lets them see that I am still being seen regularly by the hospital and have been for some time. I don't have any reports to send and feel it is important to send something. What should I do?

Hello, My current situation is my ex partner wants me to come off the house deeds for a 6 thousand pound payment to my mother. we purchased the house together with help from my mother and his family relative. he is saying we get the house valued and any money we would be due to split 50/50 he wants his sisters money, money he invested into doing the house up and will give my mum 6 k and then I will come off the deeds. This seems like I am losing out massively as he will have the whole house for 6k and also all his debt paid off, leaving me with nothing. any help on this is appreciated as it doesn't semi fair and he is trying to rush this through. he is pretty scary to stand up to so trying to know my rights really. thank you

I too have stupidly done the same thing Scotia39. I had my partner move in April of this year and been claiming as a single parent. He earns less than me 14,000pa and has been paying the rent on the house. Had a letter today from HMRC and they want bank statements, bills etc....everything in my name still but just so wish id told them. Feel ashamed of myself .

If your partner is disabled and is a UK citizen, claming PIP and ESA due to disability, will carers allowance help or hinder a naturalisation / permant residence application for an EU member from the Netherlands? Who has been in the UK for 2 years. We find the process confusing and it seems we may do something wrong without meaning to.

I have been incredible stupid and continued to claim tax credits as a single parent when my partner has lived with me for several years. I am really ashamed and can't believe why I allowed myself to be so greedy and stupid. I have two kids from previous relationship and one with current partner . Current partner is on the mortgage and council tax as would not have got the house otherwise. I think it will be virtually impossible for me to prove he hasn't lived here all the time. The bills are in my name, but we have the mortgage and council tax in joint names. they have sent a letter saying they are looking at April 2014-2015 and the current year. I am beyond terrified that they will look at previous years and the overpayment will be massive as well as the fraud meaning will go to prison. I have an appointment at the CAB tomorrow. I want to fully admit that I was not entitled to claim for the time they have stated in their lette r and will offer to pay back in full if they will let me _ bank loan maybe? Should I come clean about previous years? I am making myself sick with worry - my partner had no idea I was doing this. Can anyone tell my what happened to them? I can't look my children in the eye and I am convinced I will be sent to prison.

I'm after some advice. My partner of 12 years walked out on me and our 3 children last Friday evening saying she was no longer happy with me. Didn't elaborate on the reason as to why she was not happy. I explained that if we were no longer together then we couldn't live together she immediatley offered to go. And did..... first few nights she would go out and come back early hours and sleep on the couch. Now she's gone all nights. She does come back everyday to see the children but prefers to spend most of the time with the kids out the way and us talking but going round in circles. I left them alone this evening while I went out for a short time so they could spend time together. I dropped her off at her friends house this evening. She wants to go out alot more of late to friends drinking Texting another man but swears on kids lives they are just talking and he's offering support I come in the house she's been going out Saying yes to children. Anything for an easy life No house tidying I have asked her again today where all this is going and she claims she does not know what she wants from life. At a work meeting yesterday she was instantly dismissed for Gross Misconduct. Although the hurt has been done I guess i'd take her back. She now has no fixed address and is staying with random friends on random nights, no job and no money. I worry for her. I've agreed to allow her to take children out despite no fixed address on the condition she brings them back to me at the end of the visit until she gets settled with a new place then we can discuss more permanent arrangements. I've also kindly requested that as I know my children have been with this man to play with his kids also from a broken relationship that whilst she still doesnt know what she wants from life could she refrain from meeting up with him and his children as I don't my children to become confused. Clearly as she's gone I've started a new tax credits claim and as tenancy agreement is due on 1st September 2015 the landlord has agreed to put it just in my name. Has anyone got any good advice for me as I still believe the reason why she's willingingly become detached from the family home is because perhaps she has done something with this new man whilst still together and now she is struggling knowing that. I've encouraged her to talk to her father whose wife walked out on them many years ago too leaving 6 children behind but she is very wary of doing this. I really don't want to lose my children because since last Friday we've got a really good daily routine going and the children are happy. Any advice would be welcome

Hi I claim ESA(IR) and I am in the Support group, my partner wants to work, but it will be 16-20 hours per week. So obviously I will inform DWP if this goes ahead. But can anyone advise how it affects my benefit? If he earns £130 per week, is that taken of my ESA Claim or does my claim stay the same and he keeps the money, as I read that my partner can work upto 24 hours, but it might affect my benefit on the benefit letter. Can this be for more than a year, as it seems if it was me working the maximum would be 12 months. Thanks

I am new to the forum so appologise if this is in the wrong section. Several years ago I was in Ltd company. We managed to secure bank funding but when the company failed we stopped and both the other director and I have been repaying the bank our debts in installments. We both signed a persobal guarantee. I have since discovered that for about a year he has stopped his repayments and because of the PG the bank is happy just to chase me. Is there something I can do to get make him continue paying and bringing his share level with mine? Is there also a way to pursuade the bank to split the debt equally? Thank you for any thoughts or advice, Jay

Have a car which log book in my name insured in my name and on finance in my name .. the ex is holding keys log book and documents in house . ..police spoke to her and said she was handing back and needed to contact her by email to collect .which I did.. was told I could collect in a day so please were happy with that although I wasn't . .she as since sent a email demanding 3500 cash or she witholding car .. .police have now said it's a civil matter and wnt do anything ..I then said well I'll report it as twoc and he said now you are just being awkward and I will note it on file ..just at end of my teather

Hi there, I thought I should write this post on Consumer Action Group as some of the threads on this forum provided me with some valuable advice when I first got caught about three weeks ago using my partner's student oyster card on Transport for London. The case has now been settled out of court and I thought I should share my experience with others who may now be in a similar position. I had been using my student's oyster card for about 8 months buying weekly travelcards with the occasional use of top-up (when the travelcard was not valid for those zones or when the travelcard had expired for that week) before I was caught in early June 2015 by a revenue inspection officer. I was asked various questions about intention to use and how long I had been using it for, to which I combined both fact and fiction (I was under duress and, like so many others, I had no idea what the potential repercussions could be). I was then cautioned ("You do not have to say anything. But it may harm your defence if you do not mention when questioned something which you later rely on in court. Anything you do say may be given in evidence") to which she proceeded to ask more questions (such as 'do you have another oyster card? 'do you have any money to get home?', 'who buys the travelcards..?' etc) before I said goodbye and walked away (remember that once you are cautioned you have the RIGHT to respond 'no comment' and to walk away until you have the opportunity to seek legal representation). Luckily, my revenue inspection officer was extremely amiable and told me I could walk away if I wanted to, so do bare this in mind if this happens to you. I was then sent a letter about three days later from the Special Investigations Team asking me to attend an interview for 'historical offences' and 'irregular usage' of the student oyster card and another letter a couple of days later form the Area 10 Investigations Team asking me to make any comments about the incident, otherwise known as a 'Verification Letter'. In both letters it was said that if I failed to respond it may result in the case being progressed by the Prosecutions Team. I had read somewhere online that if you are asked to attend an interview, it was seen that your case was more 'serious'. So, when I received the first letter, I started to panic, and decided to ring various solicitors to inquire about legal representation. Of the two I spoke to, [removed], I tried a third solicitor to get a different opinion from the two others who, although seemed incredibly efficient, also seemed quite impersonal [removed], (Do bare in mind also that these costs would have been on top of any additional monies I would have had to pay to Tfl for fare evasion discrepancies and the admin fees involved in handling my case file, mounting up to a cost of over £1000 in total, a sum I wanted to lower as much as possible). I then spoke to someone at [removed], who gave me some invaluable and incredibly helpful advice about dealing with Tfl (all for which he did for for free, about 20 mins of his time over the phone). He told me that many individuals at Tfl were incredibly reasonable [he gave me the direct phone number of the head of the prosecutions team] and if I failed to get through to ring the number on the letter and find out which member of the investigations team was handling my case and ask whether it would be possible to arrange an informal settlement. I was incredibly anxious about doing this (just because i wasn't sure what to say, whether I would be giving them more information than needed, whether it was even possible or not etc), but his confidence and reassurance gave me the vote of confidence I needed (hence, why I am now sharing this with all of you, to know that you can do the same), and also that he wouldn't be able to take on my case legally anyway as he was so busy. I then spent the following morning finding out who was in charge of my case, to which I finally got hold of someone [removed], and said that I wanted to arrange in an informal settlement with regards to my case, that I was incredibly sorry for my actions, and that I had been incredibly anxious about the incident and its potential outcome (a guilty verdict would have resulted in me losing my job). He responded really reasonably, telling me that he understood that people become incredibly nervous about the potential outcomes to their case and he didn't want anyone to ever lose any sleep over it). He said that I should respond to the verification letter by email providing details of how often I had used the oystercard and for how long for. He stressed that it was important for me to be as honest and upfront as possible, because they were able to investigation quite a lot of information about my journey history (remember they have whole teams investigating each case in detail), and to provide any serial numbers of any other oyster cards I had been using at the time. I then emailed him with all the details, being completely honest about how long I had been using it for, stressing my apology and my anxiety and my willingness to repay any costs. Just over a week later, I received an email from another member of the SIT team saying that I that they had agreed to an informal settlement and gave me a sum I had to repay within the next 14 days. This has all been paid and settled now, and I am extremely thankful that I did not incur the additional costs of solicitors' fees, or have to go through the trouble of attending an interview (which I think would be have been quite a scary experience). The point of writing this really is to not only realise that there are reasonable and helpful people out there [removed], but for others who are in a similar position to realise that Tfl can be reasonable and amiable people, who's intention is not necessarily to prosecute members of the public, but to regain costs that they have lost by you evading the full fare. The main thing is that Tfl want people to be compliant and honest, which I am thankful I have now done (there is always an element of skepticism of giving too much information anyway). So, the main tips are: 1) Do not be afraid to ring and speak to someone over the phone (thankfully we do not yet live in a age where everything is so drenched in bureaucracy that we are unable to talk to another human being) and 2) respond promptly to both the verification letter/or interview letter (or whatever you receive), and do not ignore it and think it will go away (for your sake as much as anybody's - I know I lost a fair bit of sleep just about the idea of being prosecuted, however remote it may have actually been). If you do have any questions about my case or anything else, please reply to this thread and I will try to answer them (I can only really talk about my experience, not about fare evasion on London buses, other train lines etc, though I do assume the process may be similar). Hope that has been a useful and (hopefully) inspiring thread. Thanks, Wilson

Hi guys, i have a BPF fixed sum loan agreement which was taken out for purchase of an ex demo car from Hippo Car Leasing. The agreement is in my mothers name due to her having better credit than me, The problem is, i now want to sell the car and believe that under Fixed Sum Loan agreements, it shouldn't be secured against the car but a personal loan. I have HPI'd the car, and finance is showing on the car? I do not want to trade it in at a dealer, as it will have negative equity of around 3-4k as the mileage ive used is quite a bit more than normal. Basically what im asking is, can Barclay's add the car to the HPI register legally, as they have, and do i have any rights in asking them to the remove the HPI marker allowing me to sell the vehicle privately? Have attached the Loan agreement which we signed. Hope to hear from anyone with help.

A marston agent attended my property and wrongly executed a warrant that had been dealt with by the issuing court. The court in question had not relinquished the warrant but I had all the relevant paperwork to prove it had been dealt with but the bailiff refused to take that s proof or let me call the court for them to clarify. I was not at home at the time but my heavily pregnant partner was, by the time she called me she was hysterical and in floods of tears. The agent had terrorised her with threats saying that he was going to remove goods unless payment was made in full and that he was not going to accept the paperwork that proved the warrant should not have been executed. I spoke to him and explained that it had been dealt with in court and a call to the court would get it rectified but he point blank refused and said that if I didn’t make payment now he would get the removals van. I felt that I had no choice as I was extrememely concerned about my partner’s condition being so heavily pregnant. I paid over £1000 over the phone and when I got home a quick call to the court proved I was right. It has now taken since January 12th 2015 to this day, still with no proper investigation or response from Marstons directly answering my complaints that I find myself at my wits end with them. I have 2 active complaints which are currently being ignored by their ‘customer care’ team, I have written and emailed their board and I am still to get any kind of response. I have notified CIVEA and they are fully aware but won’t act until Marstons have exhausted their 3 stage complaints procedure. I really do not know what to do now. All I want is my money and compensation for what I have reasonably incurred due to them not refunding my money and the financial distress it has caused me and my family. Can anybody help?

My partner is going to move into my rented room with me which is in a shared flat. I am paying £370 for the room currently and our contract is up for renewal at the end of the month. The landlord is happy with her moving into my room but is going to charge £170 (half my rent value). This means we are now paying ~£540 for the room which is £140 more than my housemate pays for a room twice as large as mine. The landlords justification is that this is an industry standard (i.e. to charge half rent to the second person) is this the case? Apparently its to cover additional wear and tear. It seems more like greed to me as the deposit is to cover any damages and wear and tear should be expected and not covered by the tenant, especially not to the tune of £170/month.

Hey everyone, looking for some slight assistance. An ex partner of mine (we split in 2008 and I have had little or no contact with him since, bar the occasional facebook hello) passed away a month or so ago, something I was actually unaware of until the DWP sent me a letter informing me and asking for details regarding his death, care, estate etc etc as he was claiming disability living allowance. I have replied to them with a letter stating that I wasn't aware of his passing until they sent me the request and that I haven't lived with him since 2008 and that I'm not even sure how they even know my contact details as I never agreed to be mentioned on or signed anything whilst we were together. Has anyone else come across this before? Should my letter be enough to end this? Thanks!

Hi All I really can't believe this crook of a company. In the past I have tried a balance transfer from another card to pay off my debt that I owe to vanquis and it was rejected as vanquis do not accept balance transfers. Yesterday I made a payment with my partner's card to basically pay off majority of the debt, as the interest rate as we all know is incredibly high. After a few days the payment was authorised from my partners bank and is now showing on the statement, however Vanquis has blocked my card and the account online. I rang vanquis and they said I need to send a photocopy of the front and the back of the card, which my partner does not want to do, end of the day his bank have not had a problem, so does not really see why vanquis should. Furthermore it's his card and has nothing to do with vanquis. I have informed vanquis that I am will not be sending the photocopy and they can leave the account blocked. Vanquis advised that I will not be able to make debit card payments anymore, so I will need to pay by bank transfer, which is fine, but just a pain as I am not able to view my statements online as everything is paperless. I have never come across a bank like this, it's like they want to keep you tied to a debt to generate the huge interest every month. Has anyone come across this or can share any experience? I also want to close the account after the debt is paid off as I am quite fed up of them, will I be able to do this if the account is blocked? Thanks

Dear all, Some little advice please. I've read other people's threads on the same subject but cannot find all the information I seek. In January, I was caught with my g/f's student oyster card. I did only do it a handful of times but will not try and justify my actions. When I first received a letter from TFL, I wrote back with a full apology, an offer to pay fines and assoc. costs and explaining how I have never had been in trouble with the law before and how negatively this could affect my future career prospects. I have received a mag. court summons this morning for the 20th of May. From what I've read on here, I think I'm going to write to the prosecutor from TFL requesting a settlement out of court and hope for the best. My questions to you are: if I end up pleading guilty, how serious will the charge be? Will it be a CCJ? Will future employers see it when applying for a new job? I'm due to visit the US at the end of the year, will this stop me entering? Also, I hear about people getting out of things on technicalities... They have noted in the summons that I was stopped at Acton Town station... When in fact I was nowhere near there. Would a wily solicitor get me off on something like that?? Thanks in advance

Hi all I need advice please my dad had an agreement with barclays partner finance for nearly 3 years cleared it a week ago i noticed from random letters he has racked up a few charges such as failed dd and late payment when he was having some difficulties, my dad has just retired and i am looking to claim some money back for him looking for advice on how i do this i would need a statement off them first with all the detailed charges i know that but what letter do i need any help would be appreciated as my dad has just retired and in ill health at 72 i am doing everything i can to help him as he has worked all his life and never claimed a penny back on anything thanks in advance

After some advice if poss. Partner has applied for finance on a new van for his business, he is a sole trader, so finance needs to be in his name. Credit record is good with a score in the 900's. He applied for the finance but got a call off of Close Motor Finance stating that he is being reported as deceased under a previous address on some closed Santander accounrts. On looking at his credit report from Credit Expert, under closed accounts there are 3 credit cards, a current account and a personal loan all in his name, all recorded as deceased, all opened AFTER he had moved out of the address and in to our new house in 2008. He has absolutley no knowledge of these and has never had any dealings with Santander. The current account was opened in 2009, the 3 cards in 2010 and the loan in 2011. He has emailed the CRA's to dispute the entries with a copy of his passport and tennancy agreement of where we now live. He has also done the same to Santander with a copy to the CEO to see if that will speed things up at all. My question is, does anyone have any experience of how long these entries will take to be removed as he is waiting on this to get his new van which he cannot go to work without as the old one has died? Thanks

Hi, I have been with my other half for about 3 years and she has always told me she has a license (she lost it so doesn't have it -- I know a few people who have lost theirs so didn't think anything of it)... She is on my insurance as a "named driver" Earlier she was doing less than 35 in a 30mph road but when saw the speed van slowed down to 30 but she has just admitted she has no license!! Devastation that she lied to me aside what happens now? What happens to me? What happens to her? Thanks