H i everyone, I made a single claim for child tax credits and after 3 weeks I recieved a reply back from Ryscar B&C COMPLIANCE OPERATIONS. Anyway they asked me to send in some proofs....bank statements, council tax, utility etc. I sent these in straight away with a cover note explaining what I was sending and why: BANK STATEMENTS - I said I could not provide them with bank statements as there was no point as my bank account (single) was being cancelled by the bank, because im in debt and also by the time they recieved my reply it would have happened.........I included the letter from the bank for proof. UTILITY BILLS - Again I said I coudnt send these as for 1, G&E are pre-pay meters, but also I had started a switch over with a new company and also into my name - I sent proof of this. COUNCIL TAX BILL - I told them that I didnt have a bill as I had just applied for council tax support in my name and also they required the same proofs tax credits did (no photocopies)....but that as i needed tax credits sorted, they were more important........I informed then that my single claim for council tax could still be checked with the council to prove I had applied. MORTGAGE STATEMENTS - These I supplied and are in both mine and my exs name.......but its a mortgage, we have recently split, neither can afford to buy the other out so what do they expect. Also we'd both prefer not to sell as its at least one thing we are hoping to leave the kids. Also in the cover note I explained how it was impossible to cope as at the moment I am only recieving £143 every 2 weeks to support myself and 2 kids......I can barely afford food. Anyway got my reply back today telling me she has made her decision not to accept my claim because she has been unable to confirm my single person status.................and thats that. Apparently a letter will follow shortly explaining her decision and if I can appeal.........I cannot wait for shortly. Can anyone give me some advice on how to word a good appeal, or should I just contact them and say I dont agree, Im desperate and need to do it ASAP. Also I am going to have links with my ex, we were together 12 years until he decided to start sleeping with his dirty b**ch co-worker that is. Please peeps some good advice needed.....on best way forward and best advice wording I can send back....and could I have done more with the things I sent? Its what they asked for so I thought it would be enough. Sorry to go on and thanks.

[ATTACH=CONFIG]47225[/ATTACH][ATTACH=CONFIG]47226[/ATTACH][ATTACH=CONFIG]47227[/ATTACH]Hi Guys, Parked up at the bottom of my street in a 2 hour bay on Tuesday night ( I have a Parking Permit, but the street was chocker, as usual ) with every intention of moving it Wednesday morning. Problem was, the bloody car wouldn't start and by the time I had got back from my brother's to move it I had got a damn PCN. My lovely council (Barrow Borough Council) being as compassionate as they are have stated there's no grounds for cancellation. Therefore, I may appeal on road markings, but I am a little confused with the markings. I can't work out whether it is a 1028 or a 1033 bay ?

Just trying to get a sense of whether I'm paying too much or not... I'm paying £135 per month direct debit. I'm a single man living alone in a one -bedroom flat. I have gas central heating and a gas cooker. No TV or hi-fi, but my computer is on all day. As a single man, I don't do a lot of cooking:), so the oven doesn't get used much. I have a washing machine too. The property is rented, so I can't change suppliers: they're set by the landlord. The supplier for both gas and electricity is e.on. I've just been reading about a family of 6 who say their combined energy bill is around £80 per month. How can my bills be £50 more than theirs? OK, maybe they don't all have computers and hi-fi's, but they must cook, and wash? So, how does my bill compare with other people's? What do you pay? Is mine about average, too little, or too much?

The energy regulator has branded a proposal by EDF to introduce single unit pricing for gas and electricity as "not as simple as it sounds". Instead, Ofgem is to simplify the energy market in the forthcoming Energy Bill by requiring companies to limit the number of tariffs on offer to four for each of gas and electricity. EDF Energy calls for 'petrol station forecourt' pricing One of the UK's biggest energy suppliers has called for single-unit pricing for gas and electricity to help consumers compare tariffs as easily as they currently shop around for petrol. EDF Energy said it would introduce the system if all other suppliers did too. The energy regulator Ofgem said the proposed scheme would not be as easy to implement as it might appear. This was because of the number of payment options and special "dual fuel" packages that currently existed. A plan by Ofgem to simplify the energy market will be included in the forthcoming Energy Bill. It will require companies to limit the number of tariffs on offer to four for each of gas and electricity. But EDF said that plan was still too complicated. http://www.bbc.co.uk/news/uk-22916656

help my wife has left me and my 4 kids and has not paid the morgage in 2 years ( i was giving her the money every month) i only found out this morning when the ballif sent me a letter saying i have 4 weeks before eviction i owe 17,000 and GE mony want the full amount i have about £100,000 in equity in the house and i can afford payments each month plus a bit extra but not full arreas please can anyone help

Hi, I am a little brain dead today, having read through reams of LTSB loans documents (and other documents) provided under a DSAR. I have my Loan statements, of loans which were consolidated into other loans (twice), and have read the excellent threads and guidance on spreadsheets on single PPI reclaims. I thought I had it all sussed - until I was entering some figures into the spreadsheet, by reading the figures from my Loan Statement. I thought I was quite savvy with figures, having calculated the settlement figures from loan 1 which are rolled into Loan 2, and the relevant % of each payment relevant to PPI#1 and PPI#2 etc. However I was only looking at monthly payments and totals - not lines of added interest. The loan I have doesn't add the interest upfront (like NRAM loans) this is the more regular type of loan which decrease each month with interest calculated and added each month. The problem I have is the interest charges on the loan, for example (not my real figures) Loan repayments : 2/1/04 £150 Monthly repayment (PPI element = 20% of total so therefore PPI value for spreadsheet = £30) 2/2/04 £150 Monthly Repayment (PPI element = 20% of total so therefore PPI value for spreadsheet = £30) but what about these entries 1/1/04 £60 interest charges 1/2/04 £60 interest charges I have read through the guides on PPI and it says that interest is handled separately on the forum - but I have been unable to find it. I have all of the interest charges on each month of every loan, so do I take the 20% of the interest charge as the 'actual interest' element charges on top of the PPI. I'm sure the answer is simple, but my day is fogged up with LTSB and I can't see or think clearly! And then do I just add a line entry into the spread sheet for interest element also? eg lines would be PPI £30 interest £6 PPI £30 interest £6 etc Any help will be greatly appreciated. I think I need a little break. Back Soon & Thanks CS

Hi all. I pulled over outside near my son's school this afternoon, and was sat on a single yellow line. A taxi was on the other side of the road waiting to turn and a lorry tried to squeeze through the gap, scraping my driver side wheel arch and ripping off my bumper. He got out and admitted he should have waited for the taxi to finish moving, gave me his details (parcel force lorry) and off he went. I'm worried now that because I was parked on a single yellow, I will be liable. I was pulled right over and there was literally enough room to get a big bus through, but because the taxi was turning in, the gap narrowed and he thought he could get his truck through. Does anyone know the law on this situation?

I need clarification on what type of tenancy agreement my son will need. He will be sharing a 3 bedroom house with two others. They will each have their own room but will share the use of bathroom/kitchen/living room. The house consists of a ground floor and an upstairs. Is it legal for the landlord to issue three separate agreements or should there be an AST for the main tenant plus two sub-tenants?

my husband parked on a single yellow line on our high street during restricted hours. He drove off as he was spotted by the PA . Today we got a PCN stating the LA belives a PC is payable due to being parked in a restricted street during prescrivbed hours. He was observed from 10.18-10.19 and notice states PA had started to issue a notice but he drove off. Can they enforce this even if he was stopped /observed for just 60 seconds? He had nowhere to park and had to drop off some urgent packages to post office. Thank you for any input on this as we are not sure what our position is..

Sorry I am new to this so hope it is in the right place. In september 2011 my husband walked out on me (after have left me twice already that year once for a week and once for about a month) and moved in with his mum, this time I was sure it was permant so claimed ctc as a single parent (I had 4 children with him one of whom has special needs and disabilities). This was all fine until this week when I got a letter from tax credits saying that they believed he is still living here, he is not, yes he visits the children daily before he goes to work but that may only be for half an hour some days. I eventually spoke to someone the same day as the letter came, after being told why should they speak to me if I only had the letter that day there were people waiting for a phone back from Monday(this was thursday) The problem I have is that he (me ex)has not bothered to change his address on just about everything, ctc did a search and the 3 things linking up are joint mortgage (I still live in the house and have been paying the mortgage alone out of the ctc since september last year I can show a bank statement proving this) a joint bank account which is heavily overdrawn but I have not used but it is where his wages get paid into and I was originally told as overdrawn my name couldn't be removed and a loan which was taken out 5 years ago and has 2 years left to run. I have managed to get a letter from his mum dated the 3rd oct 2011 saying her housing benifit and ct benifit are being reduced as a non adult dependant has moved back in with her and names him, but ctc are telling me this is not enough and why doesn't he have any utility bills there (keep trying to explain it is his mums house)he is also on the electral roll there and has been since he moved out. The only other thing is he has sky installed there in his name on the 3rd dec and pays a monthly direct debit but that is it all I have to prove it. One person I speak to tells me it's enough another says it isn't I can't speak to the person I need to as they keep not returning my calls and I have until dec 1st, I don't want a criminal record or to spend xmas on the streets with my kids (one of whom has asthma) or to lose my kids because I can't feed and clothe them. DWP already interviewed me in my home back in the summer because of a joint mobile phone bill and I made a statement and they were happy but he was meant to have change his address and he still didn't (he finally sent everything of yesterday to change it....or so he tells me). I told the lady at dwp we do take the kids out as a family unit as I didn't believe they should suffer any more than they needed to and often it requires 2 adults to be there I asked if this was ok and was honest about it and she seemed to think it was. The only other thing I have is that environmental health have been in my house and in the bedrooms late at night (problem with neighbours)when the kids have been staying at their dads and the police did a risk assessment on me so they know I am seperated. Since this letter on thursday and being told I HAD to get my name of the bank account and the loan (I would love to be able to magic up the kind of money to do so)I have spoken to the bank who have agreed to take actions to get my name of the bank account they even phoned the loan company for me who have refused to take my name of the loan, the only thing is if he can get a loan for the settlement figure just in his name but I am not holding my breath he will be able to but the man in the bank did make the loan company put a note on the account that finances were being disputed. I have tried to do the right thing by my kids and not make things tricky for my ex as in turn that could affect us (if he doesn't pay his debts and goes bankrupt then obviously that effects the things I am names on and the mortgage to the house) It might have been easier for me had it been an even bigger mess. so in a nutshell my prof is letter his mum has from council naming him him being removed from electral roll here and being put on at other address letter from council showing my council tax has change to single person letter from sky showing it was being installed at his mums address in his name dd reference number for sky for monthly account he is paying at his mums address my bank statement showing I am paying the mortgage and all other bills at my address they also said there is nothing on the system to indicate he has lived here for the past 13 months but I still got to prove he is elswhere (good job he hasn't vanished of the face of the earth)or I won't get my dec payment if they still don't believe me the and I have to pay the difference between a joint and a single claim I estimate that to be £400 a month and without this money (I am presuming all my other single parent related benifits would stop)I am going to be £800 a month short for just the basics, food, mortgage, heating, esential bills without counting the fact me kids need shoes and clothes etc I don't even know if I have any fight left in me for this. Thanks for reading

Hi, I have just recieved a parking ticket when I was parked on a single yellow line at 21:45. The yellow line area was between 2 permitted areas and did not have its own sign, or any sign that I could see, so assumed it was from 08:00-19:00. I have subsequently seen that there is a controlled sign stating that there is no parking on yellow lines from 08:00-23:00, but this is further down the road and on the other side of the permitted area. Does each section of the yellow line need its own sign, or can one sign cover the whole road? Thanks in advance. P

I have read a number of stories on here from people in the same situation as me so hope someone can help! I have received a letter saying that my 'single' Tax Credit claim has been selected for checking & they have found that my husband has always been on the Electoral register at my address (the mortgage is in joint names which he pays along with the Council tax so I didn't realise him being registered here would cause such a problem). I can't prove that I was single during my 2011/2012 claim so have resigned myself to the fact that everything I have had since then will have to be paid back. My husband has been back since July 2012 which I know I should have told them about earlier but kept putting it off to try & get our finances sorted before the money stopped, stupid, I know. Now that Tax Credits know he is living here will they query the time before 2011/2012? (I can't prove he wasn't here & they have Electoral records to say he was registered at this address so now I'm worried they will investigate previous years & assume he was here then aswell). 2011/2012 was the highest amount of Tax Credits I was paid due to low earnings in 2010 (I was in & out of hospital so unable to work my usual amount of overtime). Will they look at what we would have been paid as a joint claim & deduct it from what I received or will they just want all of the payments back which by my calculations is approx £8000 plus £5000 for this year (we aren't entiltled to any money now as a joint claim). I also have an IVA that runs for another 2 years aswell so any extra cash I earn goes to them - do the Tax Credit office take the IVA into account? Has everyone been charged the £3000 penalty fine? Does it have to be paid within 30 days (this is what they told me when I called)? Has everyone been charged interest on their overpayment? I'm worried about how to find the money to repay them aswell as cover the bills that I used the Tax Credits for, ie, food & heating. Even though my husband is living here now we don't have any extra household income as his wages are used for the mortgage & council tax which he has always paid (since he moved back his earnings have dropped by 60% from what they were a couple of years ago so things are already tight). Any help with answering these questions would be great as the longer it takes for the Tax Credit overpayment letter to arrive the more I worry that they are looking into previous year's claims.

Writing on behalf of my family member. - I apologize for future inconvenience if this is so a simple question. Location: Lutton Place, Edinburgh Date of Issue: 11th October 2012 Bit of a background: On 10th October, We had difficulty finding a space to park on South clerk street after an evening night out. Round about 10pm. We had a user permit but there was no space whatsoever, this led us to go onto Lutton place to find a space and parked there and left. Obviously now we noticed it was a single yellow line! The exact same spot where the white bmw is parked. [picture] On the 11th October, our car got towed away by the Edinburgh council. The reason was parking on a single yellow line. The problem is. At lutton place at Edinburgh there was no sign whatsoever mentioning what time can you park - what are the restricted hours. However there are pay and display signs dotted around and also resident permit holders only for the parking bays. As you can see in the picture. There are 2 cars currently parked at the single yellow line with both disabled badges. I do know they have the right to park there for a period of time. The red and White car. My argument stands that is there any reason that we could appeal against this charge. The main reason being that it doesn't mention when are the restricted hours? The total amount we had to pay was £180 including the removal release fee etc. the quote from an letter from the council: "The car was parked for 6hours and 42minutes and therefore it was considered to be parked as opposed to being utilized for loading/unloading. This meant that the vehicle may have caused an inconvenience to other motorists wishing to carry out loading operations at this particular location " I apologize for the bad pictures. If you do see a sign far away, it is a pay and display or a residents permit sign. I have checked each and every one of them. If there are definite grounds of appeal. I will go back and take proper photographs. Thank you very much for your time, Craig http://i.imgur.com/zruVh.jpg - residents parking sign http://i.imgur.com/8ijLb.jpg - yellow line separating the parking bays http://i.imgur.com/ldGrj.jpg http://i.imgur.com/oN13o.jpg http://i.imgur.com/Uw01g.jpg http://i.imgur.com/Hn93u.jpg http://i.imgur.com/ABo0q.jpg http://i.imgur.com/4Bhck.jpg http://i.imgur.com/tv2Lj.jpg http://i.imgur.com/1HGIw.jpg http://i.imgur.com/F76Dy.jpg http://i.imgur.com/qbrft.jpg example of pay and display- sorry for bad photo

My landlord no longer wants to renew the contract which expired on a section 21 notice -trouble is i have no money to use as advance for a new flat! - am on housing benefit and get working tax credits of 208 per month to live off--not enough to save for advance has anyone been in this position-- i am feeling i would be better off if i had a kid -as the council has already told me they have no duty of care to rehouse me and that basically i'm on my own! tough luck! i realise i have to stay put or i will be accused by the council of making myself intentionally homeless to up and leave--but then i will probably suffer court costs too-not that i have anywhere to go to anyway. Has anyone got round this dilema-no money-no-flat-homeless

My daughter's fourteen year relationship ended in January when her partner left her and the two children. They agreed that, rather than pay maintenence, he would pay the mortgage and the fuel bills for the time being. Since then he has been living with his parents. She applied for and received Single Parent Working Tax Credit. She says that there is nowhere on the application form to declare the financial arrangement, but she did bring it up in one of the conversations, and was told that it made no difference. She also applied for and received council tax single occupancy discount. The bills remained in his name and they came to her home where he collected them when he visited the children, which he does frequently. HMRC are now alleging that they have been living together and are demanding proof to the contrary. We have offered various things such as letters to him from HMRC at his parents' home, the fact that he has registered a business there, and other correspondence, all of which is met with, "that doesn't prove anything." We have offered statements from all sorts of respectable people who know of and can attest to the separation but are simply told that that isn't evidence. They say he has not changed his driving licence address, which he admits, and seem to think that is clinching evidence. They say he has applied for finance using my daughter's address, which he denies. He does, however, admit that he has opened a new bank account using his driving licence with its old address, as proof of identity and residence. HMRC have told her by phone that they are stopping her benefits immediately and that she will receive a letter telling her how much she must repay, and that there may also be an additional penalty. I also fear there may be a criminal investigation. I accept that there is good reason for HMRC to be suspicious and to carry out checks, but the fact remains that she has been honest throughout and has been living alone since January. It seems that whatever evidence she offers to the contary is arbitrarily rejected. All this is down to the indolence and stupidity of her ex-partner, but it is she and the children who are suffering. What can we do?

Hi, yesterday I parked my car to pick up a box at a friends flat. I parked on the street and could see that there was a single yellow line but it was all broken, gaps missing where roadworks had been done so I thought nothing of it. Dropped the box off to come out to see a warden taking pics of my car. On the ticket It says I was observed from 11:12 to 11:14. That would be literally how long I was parked there. I have taken a video of the road markings. There are numerous breaches in what I believe are the regulations in so much as No T bar at the end of the single white line. Of the 15m on the recording, about 3-4 metres is missing. You can go anytime of the day and see cars parked there. I will verify what the sign says tomorrow. The video below on youtube shows the line.

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Hi, I got a ticket last sunday for parking on a single yellow line. I thought i would be ok because there was a sign saying "no parking mon-sat 8am-8pm" or somthing along them lines. I have attached a picture of the sign i mean. Also it says on the ticket i was observed for 7 minutes only. isnt there a 20 minute loading time on single yellow? Thanks for the help Jon

Hi I took out an Egg loan in 2005 to consolidate some credit cards. The original loan was for £9000 and the ppi single premium was £2085. My monthly repayments were £170. I felt pressured at the time into taking out the policy but I don't believe I knew what I was buying and was just happy someone would lend me money. In about 2007/8 I refinanced with Egg with a new loan which was £13000 at 12.5%. This loan has since been taken over by Moorgate but when I called them they said I didn't have ppi. I have my paperwork for the original loan but not the more recent one. I have written to Egg to complain and request my money back plus interest etc using the template letter. My question is how much should I expect to be offered? I can't open your spreadsheet as I don't have the right version of excel to do the calculations. Just a ball park figure would do. I think I am owed the original £2085 premium plus 8% interest on that plus the 18.9% of each of the payments of £170 per month I made which I calculate to be about another £2600. What would be a reasonable offer from Egg? C

Any sound advice would be much appreciated. I rented a property from March 2010 until March 2012. LL failed to provide check in inventory and thus one was never signed by myself. AST states that an inventory should have been provided. LL failed to provide Prescribed Information until 11/04/2012 despite numerous requests from myself. LL did not add T&C's or Scheme Leaflet to the Prescribed Information and had dated and signed it 31st March 2010. I have kept original envelope that it was posted in, which is dated 7/04/2012 (after new laws came into force) LL was given every opportunity to provide this to me prior to this date but did not. Property was not in the best of conditions when I moved in, but I verbally agreed with the LL that I would arrange to decorate if possible and LL offered to pay for materials for 2 of the rooms. I have correspondence via email from myself to LL stating that I had bought materials and was planning to re-decorate by Xmas 2010 - LL responded to email with no problem at all. LL visited property to carry out a (court ordered) inspection 3 weeks before I moved out. His wife was present and neither pointed out anything they were unhappy with. I stayed downstairs the whole time so as not to be a distraction. LL emailed after visit stating a few 'minor safety issues' he had noticed yet no mention of any damage, anything he was unhappy with etc. After I had moved (on agreed date) out I put keys through letter box and emailed LL to inform him that his property was vacant. He asked me to attend a check out meeting, which I declined. I asked him to document everything in writing so that we both had a record of what had been said regarding the property. Very long story cut short - LL and I do not get on, he is very intimidating, has visited property unannounced a few times being sleazy in front of my 5 year old and as explained, I preferred that everything be documented in writing via post or email. LL emailed me over a month later saying I had trashed the property and was being held responsible for a full redecoration to the tune of £1700. After I had finished laughing, I asked for a full report on his findings at the property along with a summary of costs he was claiming for, evidence proving that I was infact responsible etc. He refused to provide any of this. I emailed him again on 21st May requesting information regarding the alleged damages etc and received no reply and no report. My deposit is held with the DPS and today I received an email stating LL has started a single claims process to claim my entire deposit of £750 for 'damages and cleaning'. I have to reply within 14 days. I haven't damaged his property at all, but neither of us can prove the condition at the start of the tenancy. Can anyone give me advice on this? Obviously I am going to appeal but has anyone had dealings with this before? I understood the single claims process to be solely for use when either both parties do not agree on the deposit being returned, or one cannot be contacted? Also because my LL has admitted to not provided the inventory or prescribed info, does that mean the DPS rules have been broken along with the law? Thank you in advance for any help!

Hi - I am starting the claim process with LloydsTSB on a number of loan and cc accounts. Two of the loans I had were taken out when I was postgrad student - 1st in 1998 and 2nd in 2003. LTSB have given me the details of both loans. I wasn't able to access their professional studies loan option but they did give me the regular loans. Both were sold in branch by advisers who were supposed to be knowledgeable about student finance. My only income was a research council grant and from occasional teaching at the university which was irregular. I have used this as my main complaint reason. However, on both loans the ppi was added at the start and paid for with an additional loan, to be paid off with the general loan. I paid one DD. Is this what is meant by single premium, or front-loaded, PPI? And, if it is, is this generally regarded as a credible reason to complain about mis-selling on its own merit? Many thanks

Hi I know lots of people on this site have been through this, but the threads got confusing and as i am panicing, decided to start my own. Got a letter today to say that they were looking at my 2011-12 single claim and they had used credit reports to say that they thought a MR XXXXx lived at the address. I am holding my hands up to this overisight on my part, i changed the council tax etc, but didnt do this one. They want me to call them before 21-07-12, has anyone else been in this situation? shall i just admit my mistake over the phone and say i will pay back what is owed etc? or shall i write a letter??? please help!! I will loose my job if i get prsecuted or a conviction as i work with children. any advice would be grateful. thanks

I hope someone can help me? I was parked on a single yellow with a flat tyre, with a note in the front window explaining that I had a flat tyre and the RAC would be there soon to assist. I had to leave the vehicle and walk home with 2 toddlers and no buggy,and by the time the RAC arrived I had received a parking fine. The RAC advised that if I appealed the ticket and showed the work sheet from them that I could possibly have it repealed. Is there a set appeal form that I could use for this? How should I word my appeal to them? My second question/ issue is that the RAC form shows they weren't called until after the ticket was issued, will that make a difference? Any help is most appreciated!

Can someone please help. I am soon to split with my husband, which will involve al the usual rubbish to sort out one of which is the child tax. The arrangements haven't been fully sorted yet but it is looking like i will move out but look after the kids 5 days of the wk while he works i just wont sleep in the house but will be main person with responsibility for kids. Who should put the claim in me or oh?? I phoned the tax helpline and the person i spoke to couldn't give me an answer just confused me.

Hi, basically I came across this site as I decided to do an extensive search of the internet for answers. this is my sitution- basically im a single dad, with no support from my daughters mother. i'm 23 and live in the middle of nowhere very small town.the mother lives in a huge city miles away.. I was working for the NHS for 3 years and in March lost my job..so I had to sign on for jsa..basically when i first signed on the woman gave me around 30 sheets of paper with appointments in advance..a bit overwhelming..but anyway..to cut the story short.. i lost one of those pieces of paper..and it was for an appointment on june 26th..now i had another appointment on june 17th (which they changed)..now what happened was for some reason on june 26th i was meant to sign on then also later in the day go to an appointment at 1pm..i signed on on the 26th in the morning but no one made me aware of the 1pm appointment later in the date..and when i went home my daughter, who has a illness had some severe medical problems so i had to take her to hospital. I tried ringing my local jsa centre to inform them but the line was constantly busy and i only have a mobile (they are 0845) so the costs are unbearable. Anyway when i next showed up at the jsa centre, they had a massive go at me saying i was taking the ****, and so what if my daughter had a medical problem that wasn't their problem. I explaiend to them that i did try and contact them and i had got mixed up about the 1pm appointment but it was a genuine medical condition, and from day 1 of my original claim for jsa i clearly let them know i had a child. Anyway i was told after a phonecall to jsa i wouldn't be sanctioned for 2 weeks, as i had a payment due..no surprise i got sanctioned from that payment..so the last 3 weeks (as weve had a bank holiday and no signing on) ive had no money and had to budget my last jsa for myself and my daughter.. am set to sign on next week..but i never even got notification in letter form of how long my sanction is or why..or there reasons..i decided to ask jsa to appeal it and got a letter from the hospital, where they outlined that my daughter has a severe medical condition and if i hadn't bought her in it could have had severe reprecussions. As of yet i sent that off 3 weeks ago and i've had no reply I read on here i could go for a hardship loan..should i bother? or should i have acted earlier? the thing is im meant to sign on next week..and should get paid friday..but im moving back to my mothers yet ahve an appointment tuesday/wednesday..am i better to tell them im moving after i sign on or before?