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  1. I'm currntly on ESA in the Support Group. I received one of these ESA 3 (IBR) this morning, it says I am on CB based ESA but they need to look at my claim to decide if I should be getting IR ESA from Feb 2015. So what is the significance of this date as I have always had CB ESA since they switched over from IB, and I'm sure it was earlier than 2015. And now they want me to fill in a 44 page document to see if I may be entitled to extra money. Surely they only have to check their own records to see if I may be entitled to more money by switching over to IR related ESA. Another point of
  2. Could someone please point me at the appropriate bit of legislation that best suits the following problem. Hints regarding any known, suitable course of action would be appreciated as well. Rather than ask loads of questions on here, I’d like to try and work out what to do, then ask questions when I’m aware of the basics. There are no names and no pack drill as I don’t want to alienate a dealer -yet. It’s tricky to decide what is unnecessary detail, so I’ll take advice on how much I should post here but in short: We are experienced and extensively travelled
  3. I received a Penalty letter of £100 from NHSBSA all because my dentist registration lady misled me into believing that I was entitled to free dental treatment. I have gone through Stage 1 & 2 complaints procedure to no avail. Now, they have said I can go on to the Ombudsman if I am still not happy. My argument is - I was told I was entitled to free dental because I showed the lady my NHS Medical Exemption Card and asked if being diabetic, was I entitled to free dental as well? The lady said yes I was and asked me to sign the FP17FR form. I signed but didn't tick a
  4. Hi I am writing this on behalf of my daughter who is studying abroad. My daughter joined Xercise4less in September 2013. In April 2014 she emailed them to give her intention to end membership as she was going to the states in May 2014 for 4 Months. There was no response. She was in the states with limited access to phone/email. On her return in September she realised that they had continued to take the payments from her account (she mistakenly thought they would take the mail as intention to terminate and cease requests for payment) She cancelled the direct debit immediately.
  5. I signed up for the 12 month student deal £11.99/month a few weeks back decided to stop it as I no longer needed the gym. As I hadn't activated my account for their website I just cancelled the DD (which weirdly just said £0.00?). I realise that was not sufficient enough. Skip forward to yesterday, I receive the lovely email from Harlands saying I owe the first month's fee + the classic £25.00 admin charge - adding to £36.99 . I then go on X4L website and submit the cancellation form (saying I'm relocating and backing up with a bill). I then received an email tod
  6. Ok. Let me try and be brief but also give you all the relevant stuff. Switched to EDF last November. Gave them the readings, which they got wrong 5 times. Eventually correcting them in February. Paying by direct debit. Also applied for warmer home discount and was assured by their chat service it was all sorted and would be applied around March. March came and nothing, told April. April told May. June 1 and I aksed again to be told there was no record of my application thus I would not get it. When I said I had a print out of the transcript in which they confirmed it was all fin
  7. Hard to believe that this question was asked by a DWP advisor of a claimant who has Mental Health Issues !! Other claimants were asked... "How would you commit suicide" and "Why have your attempts to kill yourself failed?" They reckon that the training enables their staff to deal with claimants sensitively.. hmm !!
  8. Hi guys, Following my recent situation, I've been reading your very informative forum, and thought I would ask for your help. In November 2016, I attempted to cancel my membership at Xercise4Less Glasgow online . Having worked in a bank, the first thing I did was cancel my direct debit to stop any further funds coming out. Although I'd completed the form, I now, in hindsight, realise my system must have crashed before it went through completely - and I take full responsibilty for this! I had also moved address, so did not recieve any correspondence from either the gym or Harlands.
  9. A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to m
  10. This is a longish post but bear with me as it involves consumer safety and the fact that a few Chinese companies are trying to sell goods in the UK whilst supplying fake plugs and fuses. I recently bought this item: https://www.amazon.co.uk/gp/product/B01NCMF1XJ/ref=oh_aui_detailpage_o03_s00?ie=UTF8&psc=1 On looking at the 'kettle lead' that came with it, the Earth pin is partially insulated when it should be solid with no insulation. On checking the fuse, it is also fake. These fake fuses have no sand within to absorb the shock when the fuse blows. For example. http://tin
  11. Howdo Folks, I was sanctioned in 2012 for six months for a failure to attend a Work Programme appointment with A4E I knew nothing about. Naturally, I appealed and the First Tier Tribunal handed down the Judgement at the end of May 2016 after all the legalities with Reilly & Hewstone and Jeffrey & Bevan were sorted out. The result was that my Appeal was upheld. I received a letter from the DWP at the end of July saying that they were considering an Appeal and that I would not be receiving any payment at that time. Fast forward to the middle of September and my copy of the Trib
  12. You only have untill the 29th of this month to get the upgrade for Free!
  13. Earlier today as I was about to enter a shop I dropped my roll up on section of ground outside their entrance. I was approached by an environmental office equipped with a video camera who proceeded to fine me. I pointed out that it was on the shop's property but he said that it made no difference and that the wind might blow it onto the public highway. Am I liable for the fine? I appreciate that litter is a problem but by the time I have ground a roll up into the ground with the sole of my shoe, there is no visible evidence. His distraction prevented me from
  14. I have been a Vodafone customer since 2003. Back in September 2015 I asked Vodafone to change my direct debit to another account (apparently they have a record of the request on my account notes). The other day whilst trying to set up new mobile phone account for my 11 year old daughter with another provider my application was turned down following a credit check. I have never had a credit problem so signed up with Equifax to see what was going on It appears Vodafone failed to set up the d/d and consequently my account has been in arrears for several months. At no stage did the
  15. Hi, I did something a bit daft and need to know where I stand. I joined Xercise4Less in August or September 2015, went once and promptly forgot about it things got very tight this month and I was looking at my statements trying to figure out what to cut so nothing would bounce and was all "oh yeah, gym, I should cancel that" Looked around for my member details and couldn't find them. Cancelled the DD anyway since it would either have bounced or caused something priority to bounce. Figured I'd get a letter which would include my membership info and then
  16. End of March I received a letter from the hmrc telling me I was overpaid working tax credits by almost £200. Fair enough! They stated I would receive a letter shortly with instructions how to repay the amount. It's almost end of April and I've received nothing yet. Should I worry? I wouldn't want them to contact me later asking me to pay up fines or penalties. Should I make the first move? Or is it normal procedure? Thanks
  17. Not to be confused with another case I have ongoing at the moment. Been trawling my Credit Reports regularly for some time now (only because they are 'free') and the only outstanding issue showing on them is an older Natwest account that Defaulted in late 2010. The default came about as I bailed out of the account with an O/D of about £2200 and the monthly charges were something like £28 + Interest. This was taking a significant chunk of my monthly earnings at the time and the Unfair Charges thing was ongoing. Now, the account is still shown as being with Natwest and I was expecting
  18. Sent to me earlier today. http://www.chroniclelive.co.uk/news/north-east-news/gateshead-motorist-racks-up-55000-11127527 Also http://www.chroniclelive.co.uk/news/north-east-news/watch-moment-fenham-two-drivers-11126935
  19. Hi, we have a mortgage with the wonderful and helpful (!) Kensington and we have managed to get into a pickle. Husband has been in and out of work and we had a reposession order suspended last February. Unfortunately, we've got further into a mess and now have a date for reposession on the 22nd January 2008. I have to be honest, it's not the first time we've been in this situation, we had a mortgage with Verso who did the same to us some years ago, but the system has changed since then. Has anyone been in the same situation and does anyone have any helpful advice? Many thanks
  20. Hi Again, I'm still struggling with Accord mortgages over a shortfall from them selling the property for half of what was paid 9 years ago. My ex did a deal recently so I'm left with my half of the debt. I've made a small settlement offer 8% of debt over a month ago. Accord keep pushing me to deal with them over the phone, which I have no wish to do. They also keep pestering me to fill in an expenditure form. I've explained I'm about to be out of work so I don't see how filling in the form is a fair representation of my financial position given I have one more pay day before
  21. I find myself in new territory and would appreciate some guidance if possible. My sister is terminally ill and we are a very small family. This consists of: Daughter (K) 2 Grand children Older sister in Europe (RB) Me (sister) been caring for her (RD) My niece (K) has no problem with me dealing with all official and non official things because she is not coping with her mothers prognosis. However, I am obviously aware that my niece is the next of kin and we are communicating everything together at each step of the situation as it arises. Big sis in Europe not coming o
  22. Motormile Finance Uk Limited £ 390 01/01/2015 Default Name Mr xxxx xxx Address Date of birth xx/xx/xxxx4 Account type
  23. Hi Guys I originally joined CAG about seven years ago to seek advice after being sued for a personal injuries claim. Judgement was made by default - court papers being sent to a previous address by recorded delivery and not received by me, so I was unable to defend myself in court. My subsequent application to set aside was dismissed. Quantum hearing was heard in August 2009. An oral examination was also conducted as to my means. It was evident that I was not in a position to pay and I offered £1.00/month. This was considered "unacceptable" by the Judgement Creditor and I
  24. Third Special Report The Work and Pensions Committee published its Fifth Report of Session 2014–15, on the Benefit Sanctions: Beyond the Oakley Review, HC 814 on 24 March 2015. The Government’s response was received on 22 October 2015 and is appended to this report. In the Government Response, the Committee’s recommendations are shown in italic text. The Government's response is in plain text. For the full report this can be found here http://www.publications.parliament.uk/pa/cm201516/cmselect/cmworpen/557/557.pdf What are peoples thoughts on this document please
  25. Of particular interest is the Energy companies apologist group saying it will improve when smart meters are installed and they are rolling them out to th whole country NOW.. Rather strange when many of the complaints were after correct readings were given. Seems they are just trying to justify smart meters, not actually address the issues. ... Other than that just the same old same old - 3times proper size billing, multiple different bills, dozens of emails/calls not fixing issues etc etc as has been going on for years. Link to BBC site detail and player added: http://www
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