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Found 20 results

  1. Palm Oil-What Is It -How Does It effect Us-And What Is It Used For. Hi Old Tawnyowl hear reporting from high up in the canopy of a tree today in Lancashire. Just chilling out. Another thread coming through.Sometimes i have just got to mention something that is bothering me. The story began the other day. There i was seeing what people were saying to each other on my favourite subject Fracking when a video came through. Completely unconnected. Now my days seem so busy researching,working,walking the Shoreline that the day seems to have vanished before much is achieved. Anyway
  2. I believe that a former employer may have acted unfairly against me whilst I worked there and I'm intending to SAR them to see if there is any evidence of this which I can use. I do not know where the evidence may exist or in what form, whether it is in emails, phone calls (which I know to be recorded and stored) or paper records so I would like to make a SAR for every piece of information they have. I also obviously do not want to disclose the reason for my request and find that the evidence I'm looking for may miraculously disappear. I am uncertain whether it's better to make a SAR
  3. Hi all, I have a letter direct from the local council's own court baliff demanding I pay my council tax bill with 14 days or he will ask the courts to commit me to prison. If I ignore this, would my entry in to the Royal Navy in January next year be effected? Would I have a police warrant for my arrest, or not?
  4. I am in receipt of PIP and ESA, I have been diagnosed with Depression, Psychosis and PTSD. I live a very solitary life, with no friends or support from my family, I have a care worker from Mind who visits me for two hour once a week, aside from this I am completely withdrawn and live without any kind of contact with other people. I decided this was not a healthy way to go through life, after living this way for 4 years I decided perhaps further education could be a good option, to get to meet people and engage more in reality. In September this year I was offe
  5. Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I calle
  6. I have heard mixed details about this matter. The Student Finance information seems to indicate that as the loan is only for fees, and paid to the college, it is not counted as income but my friend has been told otherwise. Can anyone point me to specific information showing definitive answer please.
  7. Don't know how these were missed. http://www.fca.org.uk/news/tougher-rules-for-payday-lenders-take-effect
  8. Good afternoon, hopefully this will be a 'quick' one. I've had an e-mail from my landline provider (BT) about the changes coming into effect on 1st July about charges to 08.. numbers etc. I use an 0844 number to make international calls on a regular basis. This is currently charged at 1p per minute. (is that what is called an 'override service'?). From what I understand from the e-mail, if I use this service after 1st July, I will be charged by BT a minimum of 9.58p per minute, despite the 'provider' (I think it's justcall) advertising it as 1p per minute. I'm con
  9. Good afternoon all, I was wondering if anyone could help. Last week my employer contacted me to say that they had received an Attachment of Earnings Order from the London Collection & Compliance Centre, relating to unpaid fines. I had no idea what this related to but after phoning them it transpired that the DVLA never received the change of address for my car when I moved in April 2014. As a result, I never received a car tax reminder in October and so only taxed my car at the end of December when it got clamped. However, unbeknown to me, the DVLA had already fined me twi
  10. Hi, my ex-partner (my daughter's Daddy) has landed a job that entitles him to free private health care for him and his 'family'. He's asked me if I'd like us (me and my daughter) to be included in the package. I'm currently on Income Support until May - will it effect this at all? Thanks in advance.
  11. Hi All Last week my wife's PIP claim appears to have been sorted and according to the woman I spoke to on the phone she has been awarded standard rate for both care and mobility. So we are glad it seems to have been sorted but so far we have not had written confirmation of the award so have put the payment they made aside just in case they say they made a mistake. Anyway, While I was browsing the net I came across Carer's Allowance and that it is a benefit that can be paid as long as you get either rate of PIP care (it also apparently applies to DLA and some other benefits).
  12. Hi, This is a rather difficult situation. Without saying too much about the whys and whatfors, If a person goes intentionally missing for a period of time, weeks - months, leaving their partner/wife/husband not knowing where they are, what affect will/does/should this have on the benefits/pension that they receive? I am talking of a situation where the person missing is in receipt of their State Retirement pension and is a party (jointly with their wife) to a claim and award of Guaranteed Pension Credit. Both sets of income are paid into a joint current account, so either are able to a
  13. MY friend in Australia has lent me money which totaled £4500 so as I could buy a car and some christmas items, but in the midst of it the ESA review officer has asked to see bank statements, I never declared it and it was very recent, within the past 6 weeks and was in 3 installments. I will be setting up a standing order after Christmas to pay him back. Will this effect my review and will I get in trouble? I never stopped to think at all about any of this as I just saw it as what it is, a loan. Now I am having panic attacks galore, other than that I am not too worried about the revie
  14. Hi all - I am new to this forum so hello and hope this post is in the right place..:- . My partner and I are living together with 1 18mth old child. We both work although in the low income bracket. We receive child tax credits which help with nursery fees but nothing else. We own the house we are living in. We are living in birmingham and all our family is in the south. We would like to move closer to our family and our idea is to rent out our property which will just cover the mortgage . We would then rent a property nearer our family and get work in this area and let the house t
  15. Hello Can my employer change the hours on my contract to suit themselves. Have been informed that if we dont work overtime our hrs will be changed from 7.45-4.45 to 7am to 4.45. The contract says we must do a reasonable amount of overtime to suit the buisness. Thanks in advance
  16. http://www.osscsc.gov.uk/Aspx/view.aspx?id=3792 I've spent the best part of 2 weeks trying to get my head around this... has anyone had better luck than me? What are the effects of the ruling? I seem to interpret that anyone with mental health problems making a claim for ESA have been discriminated against if ATOS have not sent an ESA113 to their doctor. Is that right?
  17. I have taken daily medication for epilepsy that I have had for many years and this has controlled my disability for more than 10 years but I have recently suffered a recurrence of seizures due to stress at work. The type of seizure I always suffer is a grand mal or tonic clonic where I have fits and eventually lose consciousness. When I recover I have no recollection of the event. I have been asked to provide a statement of the effect of my disability on my day to day activities. I don't understand the question. Can I just say that when I suffer a seizure I am unconscious f
  18. Hi - I have been sorting out my finances for the last few years and am now debt free. My Noddle credit report now only shows two things (open accounts): 1. Bank account with overdraft and with no negative data whatsoever 2. Default which expires next August (6 years) on credit card for about 1.2k - Arrow Global On my closed accounts: 1. A few mobile phone contracts will no negative data 2. Graduate loan (paid off) with no negative data 3. The closed MBNA credit card with a default - same debt at point 2 in 'open accounts' (assigned to Arrow) The Credit card sebt wa
  19. Here is an overview of new mobile phone roaming charge caps with effect from 1st.July 2012 The caps apply for travel within the EU although there will be notifications for non EU Cost of mobile calls per minute will be fixed at 23p (currently 28p) and this will go down to 15p by summer 2014. The maximum operators will be able to charge for recieving a call and sending a txt will be 7p. The cost of using internet will be capped at 56p per MB falling to 16p in 2014. Customers using mobiles outside the EU will remain unaffected by the caps,but operators will
  20. Breaking news BBC. http://www.bbc.co.uk/news/business-18685040 Full statement-Telegraph; http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9371741/Bob-Diamond-resigns-from-Barclays-the-full-statement.html Sky news; http://news.sky.com/story/955415/barclays-chief-executive-bob-diamond-resigns Bob Diamond has quit as chief executive of Barclays bank in a shock twist to the rate-rigging scandal. Marcus Agius, who resigned as chairman only yesterday, is to return to his role and will take over the running of the bank while a successor to Mr D
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