Hi everyone, its my first post on here and its going to be a pretty long one. Basically I went to a hungry horse pub with some friends last month and the visit was pretty mixed overall. The food wasnt too bad and we didnt really have any complaints initially, apart from missing an item on a few of the meals. The service wasnt great to be honest, the table was dirty when we arrived, it took 45 minutes for our dirty plates to be moved and when we left the desert plates were still on the table. We then took part in a music quiz and we should have won this, but as we were round the other side of the bar the manager didn't hear us and by the time I had made my way round it was too late. His response to this wasnt great, he suggested that we just get closer to the bar when theres one song left on our card. It was afterwards when we went to close the bill that we spotted that the cost of our deserts hadn't been taken off the bill, something we thought we were entitled to as part of an offer that is run by the pub on a thursday. I queried this with the manager and he was pretty unhelpful really, he wasn't willing to even agree that it should at least be stated more clearly on the menu that the meals we had were not included in the offer. Another member of staff did have a bit of an attitude problem and said we woudn't get the deserts knocked off because one of the group works there and they'd already give us a discount. we paid the bill and were willing to put it down to experience. After this I posted a review on tripadvisor, giving it a 1 star overall and was pretty accurate with my description of the whole evening. It then became apparent that the manager had seen the review and left a response of the site that was pretty well fabricated by himself. Even after this I was still willing to let the whole thing go. It was when he apparently pulled my friend to one side in work and told him that I bas barred from the pub and basically threatened to hit me if he seen me again. This is what got me riled up more than anything. I have no reason to believe that my friend is not telling the truth in this situation, I think that he wouldnt make something like that up as surely it would affect his job security. So after this I emailed greene king (owners of hungry horse) to inform them of the situation and told them everything, not leaving any details out. I have waited a few weeks for a response in the post as promised in a reply from them and have received one today in the post. To say I am disappointed with the response would be an understatement. The letter says that they have spoken to the manager and investigated fully. They have then stated 'that my behaviour on my day of the visit was inappropriate and was affecting the enjoyment of some of our other customers'. It then goes on to say that ' I am therefore supporting the house managers legal right to ask you to leave on the day in question and to refuse you future entry to the establishment. This decision is final and not open to further discussion'. Now this has really disappointed me. At no point did we behave inappropriately and I cant believe that a manager of a pub would fabricate this to justify banning me from the premises. Also at no point were we asked to leave the pub, again I am astonished by this claim. Basically I am asking for help on where to go next. I have emailed greene king again to try and point out that what he has said is not true but I dont expect a response from them, especially when you consider how blunt they have been in the letter. Even though I have no desire to return there, I don't want the manager in the pub to feel that he can do something like this and effectively win. Thanks in advance, James (hope I've been clear enough here, just a lot of information to get across)

I have been off sick for the last 6 weeks, my employer called me up today and asked that I attend a 12 week performance review next week. Do I have to attend? The review is not related to my sickness it is for assess the 1st 12 weeks that I have worked for them. Surely if I am signed off sick, then I do not need to attend? Any advice would be great, cheers.

A friend has brought round his Annual Review form which states that he must confirm the information by the 4th August 2013. He is a married guy (33 years), was self employed working 31 hours a week for 4 years up to 31st March 2013 when he ceased. He notified Revenue & Customs that he had ceased self employment. I just couldn't believe what I was reading: Step A Mr******* Date of Birth **** Total hours worked in a week 40 Qualified for Disability Element Mrs***** Date of Birth ***** Step B Started receiving Attendance Allowance at the Higher Rate from 10th May 2012 Claim ended 28th March 2013 that you told us that you were no longer living together as a couple. Now unless his wife has moved out and he doesn't know about it or she has secretly divorced him, there is not a lot I can say. As for working 40 hours a week, he couldn't do 37 so had to retire! At the end of the day none of this actually makes any difference for his final year of WTC's so should he just ignore these gaffs or should he be pedantic and demand to know where all of this information has come from?

Hi All, I am in Northern Ireland and I currently have a case against a previous employer for 3rd Party Harassment. I was working in a nightclub and was sexually assaulted (penetrated) by a customer, the last in a long line of harassment issues by customers, against not only myself, but also other staff members. In their ET3, the employer has defended their position by arguing that 'it took all reasonably practicable steps to prevent staff being harassed, and as such cannot be held liable', because of adequate security presence etc.... However, during the course of discovery, I have received security check sheets from the Respondent showing that security checks (conducted every 20 minutes according to their records), were missed for 1hour 20minutes, totalling 4 checks, on the night in question. My Question is would I be worth my time to request a pre-hearing review to get this response, or at least this part of their defence struck out, and say that their claim has little or no prospect of success? They have made the assertion that they had done everything they could, and cant be liable. However even their own evidence suggests that this is a blatant lie, and by the same logic they would then be liable. Is this something a pre hearing review would consider or would I just bring this up when they argue it at the hearing? Below is a copy of the letter I have drafted to the tribunal, but I don't know if I should send it or they would consider it. ================================================================= 'I, beingthe claimant in the above matter, would like at this time to requesta pre-hearing review to consider the veracity of the Respondent'sdefence of this tribunal claim. The main reason for doing so is thatI believe that the Respondent's claim has little or no chance ofsuccess and I believe it should be partly, or wholly struck out. There area number of issues outlined below which I believe should beconsidered. The Respondent has stated in their ET3 form that, 'Without prejudice to the foregoing even if accepted that the assault took place the Respondent does not accept that it has any liability in respect of this and further contends that it took all such reasonably practicable measures to prevent such an assault from occurring as evidenced by both the number of security personnel in place...'. However, during the course of discovery, it has come to the attention that on the nights of the main incidents, namely the 18th and 19th of January 2013 (incidents mentioned in the claimants ET1 form), security checks which the company claim are conducted every 20 minutes, and had always been done so before this weekend, ceased on the toilets in question at 1.40am while the club remained open until 3.00am, on both evenings, even though checks were still carried out on the other areas of the premises up until 3.00am. This point also raises another issue in the ET3 when the Respondent stated that 'It is denied that the toilets within the premises are not secure'. Clearly in their own written reports they have proven that the toilets were not secured on the nights in question by a member of security. The Respondent has also argued in their ET3 form that, 'Without prejudice to the foregoing even if accepted that the assault took place the Respondent does not accept that it has any liability in respect of this and further contends that it took all such reasonably practicable measures to prevent such an assault from occurring as evidenced by..., procedures and risk assessments in place and adhered to...'. However, according to the Respondent themselves, on the 2 incidents involving xxx, incidents involving xxx and xxx, no incident report forms were filled in by security or management, and with regards to my incident on the 19th January 2013 (incident of sexual assault), the Respondent freely acknowledges that the Assault was reported to and investigated by xxx, Club Manager (even though no incident report or notes are said to exist). However, in the Door Supervisor Summary Job Description, Main Duties, point number 7, clearly states that 'all incidents that occur are fully documented using incident reports, on the same night that the incident occurs'. Therefore, the Respondent cannot argue release from Liability for its procedures in place, when the procedures have clearly been shown not to be adhered to at all times. It is forthe reasons outlined above that the Claimant believes there may be aneed for a Pre-Hearing review, so as to get either this part of thedefence, or the defence by the Respondent in its entirety struck out,as the Respondent has little reasonable prospect of success in thedefence of this claim. The Respondent cannot argue that they cannotbe liable because they took all such reasonably practicable measuresto prevent this type of incident when it can be so easily proven thattheir reasonably practicable measures were not always adhered to assuggested within their own policies. By the same logic, as it can beso easily proven that the security presence and procedures wereinadequate or not adhered to, and therefore they did not take allreasonably practicable measures to protect staff, they are whollyliable, and the Claimant feels that this part of the defence cannotbe allowed to stand, in my opinion. ' Thanks

I was looking for someone to help me transport our household belongings when we were relocating from England. There was only one company that was able to help us on the dates requested. I had some questions which the shipping company was very quick in responding to (typically within minutes) so I accepted their quote and paid the £65 deposit. The transportation company than sent me some documents outlining their terms etc. I had some follow-up questions. No answer, so I called them 24 hours later. Got my answer. Then when I had read all the documents (lots of pages, and lots of rules) I had some more questions as the rules were not in accordance with what we had agreed on when communicating on Shiply. No response after 48 hours! As the shipment was going to happen a few days later I decided to cancel. Since there was no other bidder on Shiply.com I had to find someome outside the site. I did this and the shipment has now been done. In the meantime, I contacted Shiply.com asking for a refund. They looked into the details of the case and directly issued a "refund". The only problem is that it's credit on their site. Since I have already done the move as no one else on their site could help us, and I have no other moves planned for the next 6 months (which is how long the credit is valid for), this means that the credit is useless to me. After some emails with Shiply.com it's very clear to me that they have no problems what so ever with taking money in this way and are very keen to point out that this is stated very clearly in their terms and conditions - which of course we all read - and there is nothing they can do. - Shiply dont care at all about their customers. They are greedy and I hope someone else comes along and sets up a rivaling site. - The main problem is that I as a customer have no way of researching the companies that are bidding on my item (they are kept hidden until the deposit is paid). When the shipping company do not deliver what they have promised (which Shiply obviously agrees with since they issued the shiply credit "refund" directly), you would expect to get the money back. The way Shiply.com has handled this is disgraceful and I advice to find another shipping portal for your shipping needs. - If you search for Shiply on the internet, you will find heaps of bad reviews very similar to mine. So this is part of their strategy on how to make money.

hi all about 7 weeks ago i was on here for ur help in connection with my council tax wanted to know how much i had in the bank and saveings etc got that cleared up now another form council tax discount review want to know am i sole occupancy etc anyone over 18 living here its just me or am been singled out

I finally recieved my ESA85 medical report last week and while I was told over the phone I had been placed in the support group for 12 months the report does not actually give a definate time frame but rather suggests I should be reviewed in the medium term. I find this a bit vague, I know that the review on the ESA85 is not set in stone and that you may be reassessed at anytime but having a suggested time frame on the form is some back up should you wish to ask for a reconsideration if they where to send my another ESA50 in the next few months. Does "medium term" have an offical length of time attached to it regarding ESA Support Group?

Hello CAG! Hope everyone is good & enjoying the sunny spells I work as one of the managers for a store. I have been working with my company for well over a year so permanent employee. I have been performing really well and been given feedback about the good stuff I do. Until very recently when I wanted to apply for a bigger role in my store I was told that I am not ready for it. It came as a surprise because I thought I was ready but anyways after a heated debate with my line who said he will work on the things that he thinks I need work on and we will get there. I left it at that A few weeks later he invited me and handed over an informal performance improvement note listing 5 things. 4 of which I believe I was doing over and above the call of duty. I could not believe he was trying to performance manager me on something that I am already doing. He kept saying I am the judge of your performance whether u like it or not and I don't think your there yet. I refused to sign the document because I just could not agree with the things he had mentioned on there, the letter also said if I need support I will be given I said no I am fine. He said he will sit down with me ever week to (which he hardly did cause of clash of schedules) and whenever we met he spoke about a load of theory and analogies. Performance wise he gave me feedback many times saying I am making progress so I was happy that things are working out ok. Review date was meant to be the 25th and he did not review until another catch up a week later on the 3rd and he handed me an invitation to a performance meeting a few days after that stating in it very vaguely what I had not achieved. And a lie that he had given more time to show improvement that's why there wasn't a meeting on the 25th. I had shown considerable improvement in the past month and launched stuff not seen before in the company driving the things he asked me to the hilt. He said there is improvement but not enough. All managers get an assistant and mine have been off sick for weeks putting more pressure on me and He hasn't really given me a team that can be used in the area he has given to me. I feel victimised and for the first time in my career very helpless cause I know I have done everything and more. Plus the things that he mentioned I am not doing which I agree I need work on everyone else is missing too and I have taken pictures on my phone where clearly other people have missed the same things when I mention this to him he says we are talking about U and not them all I am trying to do is get him to look at this consistently. Now I know from the way he was speaking to me he is going to give me a first written warning and I am entitled to take someone with me but I am going alone. And most likely I will appeal the decision cause I know I am doing so much more and have had a very successful last year as a manager and as a store we are performing very well. He always gives me the feeling that he wants to get rid of me and I don't like it and I know he will not see or like all the good stuff I will do after this first waning is given which I will appeal against. I have a baby on the way and my misus is so upset about all this I really don't wana lose my job over some guy trying to show his boss he can performance manage his managers I find it wrong especially when I have done and are doing all the things he pointed out more than the rest please help me with your thoughts and any advice u may have for me Many thanks

Hi i try to challenge them about council tax here is the response can someone please look at it and tell me what is next step Thanks

Morning all, I had a letter saying they had reviewed my council tax, and found that I owed money as regards overpayment in 204/2005 and 2005/2006......totalling £181 and some pence I called to resolve it, they wanted to much, so I paid the odd 31 over the period of a 7 weeks, then get letter been summoned to court, I email ceo, and explain that i tried to resolve with the contact centre, gave name and time, He had it withdrawn.. Said they would send out Income and Expenditure form, still not received, anyway, i get the summons again!! Had a call from them yesterday, to try and get things in place with the other issues I had with them, I did mention, why was this not found out before? Also I asked "Is It statue barred" as it's clearly over 6 years old, and there was no liability order or arrangement in place... Admittedly i have paid 31...but that was taken off the debt for 2004/2005..... So can I argue the point of it been statue barred? Further more, can Council Tax Debt be included in Bankruptcy?

hi i am in need of some urgent assistance. attended my patas hearing in person (first time ive done this) and the decision is refused appeal on 18/04/12. at my hearing, the adjudicator stated that my NOR had been served on 25/01/13 making my patas form late as it was received 25/02/13. however i have just come to realise, that the NOR sent by the EA was dated 25/01 and would have been deemed served 29/01 hence making my patas appeal in time and the CC the EA issued on 4/3/13 a ground for procedural impropriety. i know the dates on these can be crutial and im not very good of establishing the exact dates when words "within" and "from" are used. am i correct about the date of service, i remember reading it when i was going through the legistation over 6 months ago but obviously i dont know which one or what section off the top of my head so will have to read through to find it again. and my question is, is this a solid ground for review? because clearly if i have got the dates right, the adjudicator has made a misintrepetion/miscalculation the dates and allowed my pcns which should have been cancelled. any help to clarify or help me understand would be appreciated.

Hello, we have received a letter from the Benefits and Credits Compliance arm of the Tax Credit Office. They are requesting receipts and invoices from our childcare provider for the past year. Unfortunately we do not have them nor have any way of getting them as the nursery has changed hands since our children left in September. The letter lists various nasties that will be heaped upon us for not submitting said documents, and also states that we may have to pay back any credits we have received. My issue is that we do not receive any credits for childcare due to our income. awards letters which we have for 2010-11; 2011-12; 2012-2013. all state the same thing. Working Tax Credit elements (other than childcare) Amount for period £0 Childcare element of Working Tax Credit; Amount for period £0 We did have our children in childcare, and we did keep the Tax Credits office informed on our yearly submissions, but we have paid the fees out of our own funds, as we receive nothing, And have not done in any of the previous years. We have spoken at length on the phone to the Compliance Operations unit, but they are still demanding receipts and invoices for something that has not been claimed for or paid for by them, which seems quite ridiculous. Has anyone else suffered similar?

I received a letter back in February saying that I have been chosen for a review of my WTC and CTC.(Suspecting a neighbour played a large part in that but that's beside the point). I work self employed as a cleaner and the period that they asked for the information for was from 6th November to 6th February. I duly sent off all my invoices, receipts, bank statements, car registration documents (why!!), car insurance (why!!!) etc etc. Yesterday I received a letter from them saying that I only work 14 hours per week and they are backdating this to April 2012 and therefore I owe them £3000+. As the period they requested included Christmas and the New Year, I did not work for ten days as who wants a vacuum under your feet whilst you are eating your turkey. Most of my clients are also elderly and went to family for Christmas and therefore did not want their houses cleaned so whilst I worked in excess of 16 hours per week on all the other weeks, not working for those ten days dropped my average over the three months to 14.8, which they have nicely rounded down to 14 not up to 15 as you would. Had they have chosen any other three months, it would have shown that I work at least 16 hours per week and therefore I would have been fine. Surely it is not fair that my claim for the entire year has been based on those three months alone as they have not knowledge of what I worked before those dates or indeed after. Having finished my financial year today, I have averaged 16.5 hours per week over the year, working excess in the summer cleaning holiday lets on a Saturday to take into account the days I have had off ie. two weeks in the summer and ten days at Christmas. The nature of the job means that sometimes you are unable to work, ie they are on holiday or ill and don't want you but I have ensured that I have worked the extra so the average is 16+ hours per week. I could possibly understand it if they said that they would not pay me WTC for the two weeks in the summer (which they don't know about as they did not ask for the time scale) and the ten days at Christmas but surely they can't claim back a year's worth when they have no idea what I have worked in that time?

Back in 2008, DWP claimed that they had overpaid Income Support of £6500 between 2001 and 2003, and £8000 between 2004 and 2007, due to "savings" In March 2008 DWP claimed an over payment of approx £14500, they were asked to "look again" at their decision. Today, I have received 2 letters from DWP. The first says "Frther to the request for the decision about an overpayment issued on 03/08 to be looked at again ------ We have looked looked again at the facts and evidence used to make out decision, and as a result we have not changed our original decision" The second letter is similar, refers to decision March 2008, and states that they have changed their decision. They are now claiming an overpayment of £16500 between 04 and 07, but then go on to state "the total may include an amount that has been paid in error which is not recoverable". I assume this refers to payments between 06-07 that are marked as "Income Support Paid in error" I cannot believe that that are responding to my request to review after FIVE YEARS. and now state that I can appeal using form GL24, within ONE MONTH. Can anyone help me out. I am not aware of any overpayment. There were no savings, and during the period in question, IS was stopped several times, and documents provided to the DWP for the claim to be reassessed, and reinstated in each case. Claim for IS ended in 2007.

Hi, I'm struggling to get my head around this for some reason. I have a PHR for the following matters to be decided: 1. Whether to strike out all or part of claim as it has no reasonable prospect of success. 2. To ascertain what is/are the claims. What the issues are in the claim - the matters in dispute the ET will decide. Whether any further information is required of either the claim or grounds for resistance. 3. To make such orders as appropriate for the hearing inc disclosure of relevant documents, preparation of sets of documents, preparation and exchange of witness statements. 4. Allocating time for hearing after consideration of the parties estimates of it's likely length and to fix date of hearing. 5. To make such other orders and directions to achieve an early and just conclusion of the proceedings. Lastly, to consider that some or all of any party's case has little or no reasonable prospect of success to make an order for up to a £1000 deposit. I have submitted ET1 for Disabilty discrimination, breach of implied mutual trust and confidence, failure to follow own grievance procedure/failure to hear new grievance, failure to make reasonable adjustments and support any return to work, protected disclosure. Although with the p/disclosure, I now think technically it was not made in good faith so will ask for it to be withdrawn - what's the best way to word it without rubbishing other claims? Respondent has said my claim is time barred, no disabilty exists, protected disclosure not made in good faith, lack of reasonable belief, no detriment and requested the PHR. They submitted a 28 page ET3. I've never been to an ET although have read up on them and no idea what to take with me to this PHR. Also, I remember a few posts on here stating do not resign while still been employed. Why? Would using test case be helpful for my claim at the PHR and where would I find the relevant ones? Any advice much appreciated.

Hi, Has anyone else received a letter from Virgin Money, who used to be a Northern Rock customer, informing them that their mortgage has been subject to a review? I received one this morning informing me of my new monthly payments. It was a very vague letter and I had to dig out a previous mortgage statement as a comparison as the letter did not actually state that my payments had changed. I found that my payments had gone up £3 a month, I know it does not sound like much but over the remaining term it adds up to over £1000! The letter was also very vague about the reasons, so I phoned. I was informed that when I remortgaged last year Northern Rock had forgotten to charge the product fee of £995 which I had agreed to add to the mortgage. I was very sceptical, a bank forgetting to charge nearly £1000??? Unlikely!! But I didn't have the correct statement to hand. Upon checking later I found that the product fee had been added last year and now Virgin Money are trying to charge it again Needless to say I shall be informing them of their mistake in no uncertain terms. Just wanted to know if anyone else had experienced something similar and warn people to double check their statements!! Cheers

Not sure if this has been posted already: http://wearespartacus.org.uk/wp-content/uploads/2012/11/The-Peoples-Review-of-the-Work-Capability-Assessment.pdf Very interesting, especially if you have gone through the 'assesment'.

Hi guys wasnt really sure where to post this - but as repossession is first up, thought i would start here - got into serious debt a while back - long story on monday i have a review hearing - tho trying to get this moved due to work commitment, but we shall see. My 2nd mortgage company First Plus is after possession as i owe them a fortune, basically 50k in arrears, i have been paying off other debts over the last year and 6 months ago we went to court and agreed to pay £200 a month as a token payment on suspension of any repossession we now have the review coming up and i am still paying off other stuff but will clear in another 6 months - i can up my payment to £300 - (btw the normal payment would be about £500) - in another 6 months time (after clearing 1st mortgage, gas and elec debts) i could pay them £700 - so start to pay off debt. Ok my big questions - is it really worth me fighting for this - as our lives are so crap - just living day to day - i can see no future until im pretty much dead - im in late 40s partner early 50s Would it be better to rent a property and give up on the home - theres a lot of negative equity in the property and i would still have probably £125k of debt once the house was sold, if i was allowed to sell it for a decent price, not a repossession quick sale. If i rented - would i be allowed to rent any property, thinking more of financially - as i have to cater for us 2, a child (tho early 20s) and a very sick mother in law who has everything wrong with her and needs special equipment in bathrooms etc Regarding the remaining debt - should i go for an iva and get some wiped off, or go for bankruptcy - just thinking how this will affect us long term - being late 40s - wont be easy to have another house that would be ours. Sorry its so long, but need to work out our best approach - has anyone else been in this situation, what did u do and has it made u happier? many thanks smithers

My partner has received a memo from HR saying he is to attend an Review of Probationary Period of Employment, which started on 27/02/12 for 6 months. He had an interview in september with his immediate manager, and was given a letter dated 07/09/2012confirming the 'desired level of competency' and his employment was confirmed with an increase in pay from 01/09/2012. With the memo received on the 9/11/12 was a printout of 8 weeks of tachograph readings, along with a report from another manager complaining about his 'laid back attitude' and the fact that his is the slowest driver. They have produced figures to show that he is taking too much lunch break, (most of them are just incorrectly set tacho and I can prove this) but the majority are where he has taken 2 or three minutes more than an hour. They have also said there are 4 instances that they know of where he has 'fallen asleep at work', (based on gossip and conversations taken out of context) and have made it sound as though he is a total layabout. He has said that there was never a discussion regarding break times, and there is nothing in any of the paperwork we have from the company. They have also taken his driving hours, other work hours and break times, and put him against the total average of 7 other drivers. so my questions are these. Is it fair to show his hours in isolation against an average of 7 others? I can see the figures work out to be the same if yu take into account the incorrect tachograph settings so his driving hours are actually more than the others, and his other work about the same and his breaks are actually lower than the other 7 Can they review his probation once confirmed in writing? If he was competent in the last six months, and had done nothing different since, do they have a case against him and how do I get the employers to provide the previous six months information (do we have a right to get this from them) If no mention is made apart from knowing the driving hours law regarding official breaks, what can be done about the break times alleged? How can he defend himself against yard gossip which has been taken as truth by management? Should he raise a grievance himself against the Operations manager who seems to be delighting in my partners stress right now ( he walked past him in the yard yesterday beaming from ear to ear at him) Please help, i've got 21 days of information to sift through before friday for the information I have to provide.

Hello, I would like to write to the tribunal to ask them to review a judgement that has been made. Do I write to the EAT or the ET in order to do so? Thanks, GP

I read that anyone claiming IS for more than 3 years gets sent an A2 Income Support Review Form to fill in. Can you please tell me if this is mandatory for the DWP to send these or not. My situation was that I never received one of these forms and consequently was overpaid and I just wanted to know whether I was let down by the department for not sending me one of these forms. I appreciation the change in circumstances jargin that you get in letters but a form would have made all the difference to me. Thank y ou

i received a letter from hmrc. they are checking my award as a single person for 2011-2012. the information they have shows my husband living with me. i have claimed working tax credit and child tax credit since 2000 which is when i separated from my husband, we have never divorced. we had seperate bank accounts and i paid all the utility bills, council tax etc and the agreement was that he paid the mortgage. over the years he has used our address for loans and credit cards as where he was living he wasn't allowed to . in 2009 after his mothers illness and eventual death we reconciled as by then we both had alot of debt between us (i forgot to mention we have four children ) we contacted a debt management company who advised us to open a joint account and close our old ones down as we had loans with the banks. we opened the account in nov 09 and wages paid into it dec09. he moved in the family home in jan 2010 after settling bills at his other address. i did not inform hmrc as we were paying back a huge amount on the debt plan and i felt that i could not cope. i lost my job the same year and claimed job seekers allowance for six weeks. i found another job but have been claiming tax credit . i have no proof that he has not lived with me for a long time and our financial ties link us together . i have contacted them and am waiting for them to ring me back. i like most others can't sleep, feel sick i haven't told my husband. what will happen to me? am i classed as a 'big fish' will they prosecute me i have claimed for so long ?

I have contacted Loanmakers about being missold PPI. It was sold to me in September 2003. Loanmakers have rejected my claim due to the date it was sold stating that i was given an "information only service " from them and it was my chioce to proceed with the policy.They have stated that "General Insurance "was not regulated until January 2005. Could anybody advise me on how to proceed with this claim. The FOS have said they cannot handle the case because of when it was taken out. Has anybody else come up against this problem? Does anybody know if this complaint can be taken to the Small Claims Court or has anyone gone down this route. Any information would be greatly appreceiated. Thanks

I received a letter dated 17 Feb from Northern Rock Asset Management PPI Review team. The letter states that I was sold PPI during the period 14 January 2004 and 18 March 2008 and invites me to request a review of my policy. They provide a checklist where I can select the possible misselling criteria that might apply to me. My memory is sketchy about the loan I had with Northern Rock and I think I paid it off early. I have no recollection of taking out PPI as it would be something I would generally decline. My initial thought was that this was a genuine attempt by NRAM to rectify any misselling incidents however another poster has mentioned NRAM are doing this review for a 30% fee. There is no fee mentioned in the letter I have received. Does anyone know anything about this as I am sure I am not the only person to have received such a letter. Thank you

I've just received a letter from HMRC regarding my tax credit award. It says that the information I've given is not the same as the information they currently hold. When I checked, it says on the award notice that I am in receipt of Higher Rate Care component when in fact I get Higher Rate Mobility (chronic severe RA). Because nothing has changed and because I wanted to get it done as I kept forgetting, I didn't check it and just filled in the figures and signed it - stupidly I know. Anyway, they're now investigating us and I'm panicking about what they will do. OH says not to worry and he'll deal with them on Monday. His argument is that we've never said we got HR Care , only HR Mobility so it's their fault not ours but I think they're more likely to say, quite rightly in hindsight, that I should have checked it before I sent it. So what are they likely to do? The other thing that's strange is that OH only posted the return two days ago but the letter from them is dated 28th June. It says we made a claim on 6th April but we didn't - or is that just administrative? As usual these things happen on a Friday afternoon so I've got to stew all weekend. Any advice would be gratefully received