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  1. Hi all, Firstly I wasn't quite sure which area to post this, so apologies if I've got the wrong place. Right, to my question. I won £6500 on an online casino last July and they are refusing to pay me. I have done all of the SAR, online mediation, contacting the CEO of the company, involving the gambling commission etc etc to no avail. The casino's stance is basically "take us to court". I'd love to as I've got a water-tight case, but the problem is that they're based in Malta with no UK service address. Questions: - Am I correct in thinking that I have to take them to court in Ma
  2. Hello everyone, Yesterday I received a Penalty charge note for a parking offence in Budapest in month of August 2016. It is about 6 month ago. The company which is representing the charge is called Euro Parking Collection Plc or epcplc.com I do remember visiting Budapest and staying for few days but I did always paid for my parking but unfortunately I do not have the parking pay and display proof after 6 months of time. They also send me a link for viewing pictures of my caddy parked in the street and had a penalty charge note placed under my wiper which I never found it. My qu
  3. Hi, has anyone else experienced the following ?. I have been on Contribution based ESA (support group) since being transferred over in 2013 from long-term Cont-based Incapacity benefit. I also receive both standard rates of PIP and have an Occupational pension from previous employer (which is disregarded by DWP). I will receive my state pension in 6 mths and my ESA will cease. A few days ago I received a letter from DWP stating that they want to look at my ESA as I may be better off on INCOME-RELATED ESA (I won't be - I was already aware of that fact) and asked me to tick any of the 3 fo
  4. Hi All Really appreciate your help on this. I have googled and I don't think there is anything we can do, but thought I'd check here. My mother had a quote for £2700 for some building work. She Emailed the builder and he set a date to start work. She had a reply saying it was confirmed etc. They sent numerous communications. Then she had a reply from the builder on a fake Email address that looked just like his asking for £900 payment to secure the date. She checked his references etc and it all seemed okay. 2 weeks later the builder called her asking fo
  5. I was on income based ESA in the support group. I just got a letter today, 29 Mar 2018, dated 23 Mar 2018 that my ESA will be cancelled from 27 Mar 2018. Reason: You have not paid or been credited with enough National Insurance Contributions. We have based the tax years ending 5 April 2011 and 5 April 2012 to assess your claim. What confused me is that I was claiming JSA all through those tax years. I thought JSA credited NI payments? Also, in the same letter it says: We will still credit you with National Insurance contributions while claiming Employment and Support
  6. Just got a phone call from job center plus telling me to attend a appointment on march 8 in a job center that is 30 mins away when there is a perfectly good one 10 minutes down the road from me and a lot easier to get to . Also they are asking me to attend even though its contrubtion based and it is coverd my a doctors sick note and I have not been released form my company . Basically anyone know what they want because they have had all the paperwork and can I change it to the closer job center
  7. Hello, My mom has just received a letter from Atos asking her to telephone to arrange a medical (within 2 days of receipt of letter). Now my mom is in no state to be calling them, we are dealing here with severe mental health issues and she doesnt speak to anyone, she doesnt even know we have a letter! She has recently been referred to the Mental Health Team and we are awaiting contact from them. When the questionnaire arrived, a local agency helped me complete the form on my mom's behalf and they said she will need a home visit if a medical is needed. The Job Centre re
  8. hi everyone, hoping somebody is able to assist me as my partner and i are getting increasingly confused as to what we are entitled to. i have been on several benefit sites but seem to get lots of conflicting information. i was medically retired in 2015 and receive a small pension of £375 a month along with £107 contribution based esa (support group) per week. i know the esa i receive is a little less because of my pension earnings. my partner is also medically retired (with no pension) and she also claims contribution based esa (support group) and she receives £109 per week alon
  9. Hi all, I'm kind of in the same boat with these guys, http://www.consumeractiongroup.co.uk/forum/showthread.php?476654-Australian-Debt-Complete-Credit-Solutions&p=5042016#post5042016 but for a far less amount ($5k). Im based in NZ - long story short the debt is in my name, but don't trust your (now ex) girlfriend in an absolute manner to settle the debt on breakup, even though its hers! No amount has been paid on this in two years. What is a reasonable timeframe to propose for a payment arrangement? Its a rather small(ish) amount, so I do know they won't be sp
  10. Hello. I've recently moved in with my partner. I am in receipt of contributions based ESA until end of Aug. My partner is self-employed. I rang DWP to notify them of my change in circumstances and was told they would send me an ESA3 form as they just needed my partner's details on record. (I presumed name and date of birth etc.) I've received the form and it's 49 pages long!!! I rang DWP to see which parts I needed to fill in as there was only a change of address. After waiting over half on hour I managed to speak to someone who said I had to complete the whole form. Surely this can't
  11. Hi all, Having been in work for over 30 years, I have had to apply for ESA. I phoned the application number on Monday and answered all the questions (1hr 35 mins) The girl on the phone was a 'trainee' and started to ask me for my partners information. I pointed out she did not need these and she put me on hold. Finally she admitted she did not require my partners details. This is just my story and I hope it could help someone in the future. I was released from work on the 28th October 2016 due to Capability. (L4/L5 Discetomy and decompression operation on 8th May 2015) left with resi
  12. I switched to OVO Energy around 3 months ago and gave them the reading at the time. I kept forgetting to give a meter reading so they used their own estimates based on a 1 bedroom flat. I recently got a letter to say they want to put my direct debit from £32 a month to £57 a month because I was £1.19 behind. Remember that everything is based entirely on their own estimates, so how have they came to this conclusion? Just to add, I gave them a reading recently which was much lower than their estimates. How can they justify putting my DD from £32 to £57? Anyone else h
  13. I'm on contributions based esa and I've heard that I'm entitled to Income related top ups. Does anyone know what sort of top ups these are?
  14. hello, my husband is currently receiving contribution based esa £73.10 pw, and his company is to finish him on ill health with 3 months pay for termination of contract will this affect his esa payments.
  15. Hi all Thanks for taking the time to read this.. I have been on ESA Contribution based since 13th October last year...seen their Doctor in January of this year and was placed in WRAG in March of this year.... At the time of applying for ESA I received a reply stating that I was entitled to both Contribution based and Income based but as I have always worked I was entitled to the Contribution based... I know you can only receive this for a year and my question is will I automatically transfer over to income based or should I ring them on Monday? I hate the thoughts o
  16. Banks are refusing to pay compensation to card fraud victims based on nothing more than a "hunch", while others are forced to wait longer than four weeks to get their money back. An investigation by Which? showed that banks are “inconsistent” when it comes to handling fraud claims. Worryingly, banks appear to be refusing compensation to genuine fraud victims. The FOS said that while it had seen some improvements, in many cases banks have based their decisions “on a hunch”, without conducting a full investigation. http://www.telegraph.co.uk/finance/personalfinance/b
  17. Hi all Thanks for taking the time to look at my question. As stated in the title I've requested my holiday allowance from my employer and have received a response stating my allowance so far this year is 6 hours a week as per my contracted hours. I work on average 25 - 30 hours a week shift work and have done for the entire year and previous years too. So far this year I have been paid for 544.5 hours of work Here is quoted from my contract under the headline "holidays" "In each holiday year you are entitled to 5.6 weeks paid holiday pro rata to your working week ( the holi
  18. Do you have to show write down savings on application for contribution based JSA( I know it doesn't affect getting it), but curious. Also, is oine of those letters similar to the housing benefit's green letter come through post? If you live in a shared house people you live with will then know. Also, how people know who is on benefits-e.g. how would you know if your neighbour was on them?
  19. Saw this elsewhere and thought I'd bring it over. "I am writing this post here in case it is relevant to any people in the UK especially those suffering chronic health conditions. I want to raise awareness of potential spending cuts the UK government may make to the welfare budget. My friends and I have started a petition on change.org asking the UK conservative government /DWP not to abolish national insurance contribution based ESA and JSA welfare benefits. ESA is employment support allowance benefit paid to individuals if they become ill unable to work for few weeks /months an
  20. Hi is this still the same for claiming in 2015 thanks in advance The last two completed tax years prior to the current benefit year are the ones they look at. This is benefit year 2012, so the Relevant Income Tax Years (RITYs) are 2009/10 and 2010/11. Once this is established, there are two contribution conditions, and both must be satisfied in order for a claimant to be entitled to JSA©. The First contribution Condition: In at least one of the two RITYs you must have actually paid NI contributions on an income that is at least 26 times the Lower Earnings Limit for NI.
  21. Hi, I'd really appreciate some advice on how best to tackle Ladder Loans. In summary I borrowed £2000, have missed a few payments but even so have paid them more than £4000. I'd now like to know whether a full and final settlement is the best option, or whether I can fight this and pay nothing more The details are as follows: 1 - Ladder Loans is part of Inventive Finance Ltd, which I've found out runs a network of payday lenders. I was offered £2000 in July 2013 on an 18 month repayment schedule 2 - The APR per annum is an eye watering 299%, meaning that according to
  22. I've had a recent experience and would like some advice please. I had a debt with HSBC bank which covered two separate accounts. I received a number of letters from a firm of solicitors in Birmingham with all sorts of threats and finally there were two CCJ's issued against me. I finally had some money and sent them a cheque with a covering letter. The cheque was for 5750 against a total debt of around 9k and sent an accompanying letter which stated very clearly that the offer was as full and final settlement on all accounts held with HSBC and the solicitors.
  23. Hi guys I need some help, i applied for esa on 8th April as i am going through bad anxiety and PTSD. After few days they sent my statement back and ask for doctor's note which i sent on 18th April. On 19th i got sms from Jobcentre that they have all information and they will contact me with the decision. I also received the letter from Jobcentre saying that i am pleased to you that we can pay esa form 8th April you will get £84 a week etc. I rang Jobcentre on 25th April and i was surprised when they said they have not received my sick note and i need to ring on Monday to f
  24. hi there people has anyone been on a sector based work academy before?
  25. I have woken up today feeling awful, no energy at all, sore throat, achy and just feeling terrible, can hardly walk around the house. The thing is i'm due to go to a Work Programme appointment on Tuesday and a job fair Thursday and i'm worried because if i'm not better for those things then I won't be able to attend and I'm worried because I know the Work Programme has a habit of sanctioning people, I have only ever been sanctioned once (unfairly) and I won that appeal so technically never had a sanction. Need some advice on this, thank you.
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