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About Me


  1. Hi, I have been away for a few days when I came back yesterday, I noticed my car was gone. I obviously freaked out and called Police who advised me to call TRACE, I did it and there was no entry on their database about my car. There was no letter, or phone call, email, SMS or anything to let me know that my car was taken by Marston. Not a single notice. For all I knew, my car was stolen. I then called Police back, and they were able to find out that Marstons took my car. I called them immediately and was told that it was due to a PCN issued last year by Ken
  2. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  3. Hello Just a few questions please if somebody is able to help. 1. What are the rules around Income? is there a maximum amount of income that if you are earning you cannot claim Universal Credit? 2. what does subject to immigration control mean? how or who do i check that with? can someone please explain "habitual residence" and "right to reside" in basic english 3. what happens to benefits like esa or housing benefit or tax credits when i claim universal credit? do they stop as soon as i make the claim or am i sent a letter telling me when they will stop and they continu
  4. At the beginning of last year, after my wife lost some disabilty benefits, we ended up getting into debt, mostly small but included a credit card just over £3k. My wife has since managed to get back on top with all but two, and I will shortly be in a position to clear most of mine, apart from the credit card. If I was to clear some of these debts by offering a settlement of (say) 50% and (say) offer a grand as settlement of the credit card would this be a detriment on my credit rating? We will be moving to private rented accommodation in September and want our credi
  5. MY 16-19 account had been opened in december 2016 and yesterday, the 23rd of February, I received a letter that my account was being closed, and that Barclays were unable to continue being my bankers. It offers no other explanation. I realized yesterday that my card was missing when I attempted to call them and tried to find my account number and sort code. I decided to go into a branch and was told that my account did not exist. I'm concerned whether there is any way I can reverse this decision and whether I will be able to open an account with another bank or building society such as Nationw
  6. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  7. Basically me and my brother have been renting together a few years, made financial sense and we get on well. It is through an agent. He has since had a child(hes not with the mother but they get on) and he has been on the housing association list for a while as he wants to be able to have his son staying over etc. He's over every weekend anyway but stays at my dads. Last week he was accepted for a 2 bedroom flat with the housing association and is going to accept it so will wish to leave shortly. This leaves me in a tricky situation as I would like to stay here, it is his name on the te
  8. Writing this on behalf of my missus. She runs a newborn/wedding photography service and has a facebook page to advertise it. https://www.facebook.com/AG-Photography-201381183294753/ She only recently noticed that, the profile pictures she uses on this page, appeared on several pages (used 'image search' in Chrome). This is understandable as she also has a Pinterest page and most of the results are pinterest pins etc. But the problem is that there is a few pages that offer various services like E-cards, phone covers and even a resort in Portugal, that use her photo on their pages
  9. 12 july 2015 Hi, Please can someone help me, its urgent and I am very worried. Just to give you a brief background I am a single mother and was diagnosed with a chronic pain condition at a young age and Iv had for many years other health issues have now made me worse like diabetes, Ibs, arthritis and more. Iv also had to be there for my mother who is bed ridden after a car accident and my step father who for many years had liver disease and was very ill before he died a couple of years ago. I have tried to go back to college and university where I now have a
  10. Hello Finally & T.G., I won my ESA appeal. Please can I ask a few questions? (1) How long (roughly) will DWP take to pay arrears? (2) How will HB / CTB treat my case? (i.e. will an overpayment of HB/CTB be created whilst on Assessment Rate?) (3) Does DWP ever appeal the HMCTS appeal decision? (4) Do DWP take notice of any reassessment recommendations? (5) I have been advised by a few advisers to claim DLA / PIP but am stressed enough with claiming ESA. Is there any correlation between ESA and PIP decisions? Thanks (thanks for answering previous HB
  11. Is anyone able to help? I'm 65 in just under a month and know that some of my benefits will stop, at the moment I receive ESA,and DLA, my wife also claims carers for me. Will I get a letter from DWP telling me what I will be entitled too when I get my pension.Thankyou for any information given its much appreciated. pin62.
  12. Looking for the answer for a friend. Is there a significance of an invoice being sent for payment nearly twelves years after the event stated on the letter? No requests for payment have been sent in all that time.
  13. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  14. My partner has quite a few DCA letters to deal with, for which I'm dealing with for her. I will make a few statements first. We don't own a house, we rent - I have a car on finance, in my name only. We have no savings and she does not work, only gets benefits and some of the debts are benefit related. Firstly; DCA ask for household income - one of them ask for partners income - can they legally ask this and does she have to give it? I'm not named in any of her debts, so I was under the impression what I earn has nothing to do with her inco
  15. I am self employed and my earnings vary a lot often for a short period oftime. My housing benefit claim was already close once because my earnings weretoo high. However the problem is that my earnings vary a lot often for asmall period of time and it is inconvenient for me to make a new claim forhousing benefit each time my earnings vary. I would like to know how to explainmy situation to the housing benefit department to avoid that my claim is closedeach time my earnings vary temporarily I would like to know if there is a specific law for self employer or if I have to file a specific fo
  16. Hi everybody, Brief summary to date I have received a claim form for a credit card account from 2003 I sent the OC a CCA request in Feb 2009. They did not respond and I sent the account in dispute letter in March 2009. The OC then continued to pursue the account, sent a default notice and then their solicitors demanded the full amount. This was all whilst the account was in dispute, awaiting a copy of the agreement. The account was then passed to various collectors with the usual barrage of telephone calls and letters. Some 12 months after my initial CCA request,
  17. It's a 2002 Passat estate with nearly 190,000 miles. Yep, worthless in theory. But I paid a couple of grand. And a couple of grand is a couple of grand. I went to view it, and to be fair it has loads of receipts, it's been cared for, new brakes, 4 new good tyres, new timing belt, recently serviced by previous owner. Went on a test drive with dealer (well he drove it as he didn't let people test drive) and he said it was spot on. Which is was in all fairness. No nasty bangs or anything. We even tried the aircon and it seemed cool enough so I drove away happy, I admit. However a coupl
  18. Hi old poster here but had to go by different user name for this because it would be as plain as the nose on your face who I am employee on holiday (common knowledge they are abroad) while on holiday letter sent by recorded delivery letter inviting them to an informal meeting regarding there lateness and sickness at the start of there first shift back obviously they didn't get the letter (there was a card from the postman but didn't have time to go collect it ) can they say in there appeal letter I was not formally invited to a disciplinary meeting in writing
  19. Hello, few background info: I have a joint tenancy with another person. Contract with SSE is only in his name. He is being threatened with disconnection due to high bills. After the latest bill in Feb this year he owes Southern Electric £1.5k. He tried several times to arrange repayment plan but everytime he did SSE wanted more than he could afford so it's well behind now. All repayment plans failed as SSE wouldn't negotiate and acknowledge he could only pay what he could only pay... We just got a letter today saying that we will get disconnected shortly. Also stating that alt
  20. Hi Had my car towed at 11:25am on sunday. PCN served at 9.20am from single yellow. Just moved there and didnt know that single yellow is restricted in the area of Camden on Sunday. Got parking permit in the area but it was full the night I arrived and pretty much stayed the same during the day. I didnt notice the pcn on the car... Anyway the question is.. Do they need to display signs that the car will be towed in the area ? or just the sign of controlled zone is enough to tow the car? There is no signs on the street about towing or clamping.. just one about controlled area at
  21. I have recently had a few letters from HMRC. The first told me that I owe them £1100-00p. The other letters set out how I come to owe this amount. I have contacted them and told them that I cannot possibly pay them this money. I am unemployed , disabled and have just gone through a divorce. I subsequently received another letter from them stating that if I don't pay up, they will start to charge me interest. Now, I receive Industrial Injuries Disability Benefit and DLA (mobility) higher rate. The amount of benefit I receive puts me over the threshold for income related ESA; therefore I don't r
  22. Just watched a program on C4 about UK's APPRENTLY most notorious car repo guy (and what a massive tool he is) and was just wondering about some things on the subject. First of all, the fact they can take a vehicle back after it's been sold on because the original owner owes the company money is utterly disgusting as it is, but regardless; 1) Is the court order that they apparently bring along with them enough to repossess from property that DOESN'T BELONG TO THE CURRENT CAR OWNER...ie if car owner stored the car elsewhere on private land other than his own? 2) Can the financi
  23. Hi Caggers I really need advice/comments on this letter that I am about to send of to my creditors including PDL. next payment due 15th May 2013 so no time to wait. I am going to be honest here and tell you that my debt has got out of control thanks to gambling. I have sought help and haven't had a bet for over 3 weeks even though I have still got money to pay my priority outgoings and agreed rent arrears repayments. This for me is a massive step. Is there anything I should add/omit/change and is it ok to state that I have got into this mess because of gambling? Thank
  24. Hi there, This morning my partner had a letter telling her to turn up to an assessment. This is the first one in 2 years, since we had her original one when her problems started. The original one was a bit of a debacle - - The funny foreign doctor who spoke poor english - No questions at all were asked about her mental health(the reason she was claiming) just about her physical health(no problems) - I was told that I could not be a witness, and could not take notes(I had been on here and seen I could and kicked up a stink until she relented) Despite all that,
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