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  1. Hi, I am disabled and my wife is my full time carer.l receive ESA and my wife receives carers allowance.We have been trying to understand the figures HMRC have sent us regarding our tax credits. My ESA is income and contribution based (l rang ESA and asked how much is income based and how much is contribution based but l was told they couldn't give me those figures). I have my P60 which says my ESA benefit for the year was £7,783.68 and the taxable amount was £5,842.61 The letter from HMRC regarding our tax credits says my ESA taxable benefit is £7774.50
  2. I work casual hours, and my partner claims income support to top up the wages, some weeks I don't work. Over the last 12 weeks I've worked out that my average wage is £40.15, I did this by adding all my wages together and dividing by 12, hopefully this is right. I have sent my wage slips in. We are told that only entitled to £42.20 a week, we went on turntous and this told us we should get £53.45 per week, but have been told this is wrong as they only disregard the first £10 for couples, but we were told £20 last time as my partner is a carer, any ideas please i'm lost and looked i
  3. Hi, Just wondering if anyone can help, my claim for income protection has been declined. I have appealed but couldn't see any reason for the insurers to decline the first place I have been diagnosed with depression. Please see the reasons below: 1) They rejected claim without seeking any medical evidence from my doctor 2) They applied a deferred period even though they state it is a linked claim 3) During Rehabilitation Sessions (which turned out to be Claim Assessment Sessions) the specialist was more interested in gathering information to build a predefined conclusion to my abs
  4. Hello all, Had to guess as to the best place to put this as a bit of an odd case this: A year or more ago I took out Income Protection Insurance with Trent services. On May the 3rd 2018 I was told -totally out of the blue- that I was to be made redundant. Last week I received a letter from Trent services saying they were going into administration but a new company was taking over from May the 9th so I needn't worry. The issue is that my "incident date" as they call it, is six days prior to that and therefore, although my claim is legitimate, it can't be/won't be paid. The old com
  5. I've recently written to all my creditors stating that I have been in financial difficulty, and requesting as a temporary measure they accept a reduced payment and freeze charges and interest. I then followed with another letter including an income and expenditure form. As my income has fallen, 50% of household costs and priority debts leaves me with no available funds to make payments towards unsecured creditors. I'm able to make an offer of low payments because my overall household income will allow it, although my partner also has unsecured lending etc as well. One loan
  6. 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
  7. Been reading through the forums about how to manage debt and one thing seems to remain constant in that you work out your income and outgoings and then make an offer to each of your creditors telling them what you are prepared to pay each month over xxx amount of time. That's all well and good but what do you do when you have no income at all or so little income you can just about afford to pay your rent every month let alone anything else. What route do you go down with that one? A little background: My wife had a job in the city with a good salary and that plus my income meant
  8. Does lending money to a friend create a legal contract..
  9. My partner has some debts with a council for Housing Benefit Fraud, long story, none of it pretty. The council went to the county court and obtained an order for recovery. Cue the arrival of the bailiff the other day. To his credit he recognised she was vulnerable (she's pregnant and bankrupt). So he told her to email in and let them know what he said. They replied today with a form asking for income and expenditure. Now my question is thus, does she have to detail my personal income and expenditure? The debt was long ago, long before we got together. I am not respon
  10. 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
  11. Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it
  12. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  13. Hi. For the last 3 years, I've been the carer for my wife. Through unemployment, we have a joint ESA claim. Due to unemployment, I had the spare time to look after her, and did as I imagine any partner would do. The claim is in my wife's name, we get £280 a fortnight, as she was last put in the work related group, although her advisor believes she should be in support... But we need to wait for the next medical, and the people doing that have previously failed her 3 times with 0 points, before we went to court each time and they found she should have scored between 10 and 16. An
  14. I got a letter from Barclays income insurance which is "Short-term" But I have been paying this for many years, Is this a form of PPI?
  15. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising
  16. Hi all, I received a letter yesterday from Rossendales saying I had to pay almost £3300 within 7 days due to HMRC saying I owe for overpaid Tax Credits from 2009-2010. I disputed the overpayment at the time, as HMRC wanted proof of my childcare costs and I was in dispute with my childminder at the time for an incident with my daughter where I removed her from their care and they refused to give me receipts, saying their paperwork was with their lawyer as they were going to do me 'for slander'.... I explained this to HMRC and said I couldn't provide the recei
  17. Hi, I'm disabled and live with my parents. I claim IR-ESA and PIP, my mum gets Carer's allowance for looking after me my dad is approaching retirement age - he's on contributions based ESA, and receives a private pension from the job he was medically retired from. My question is - when I eventually get moved over to Universal Credit, will my ESA amount be affected by my dad's income? I don't think it should be, as it currently isn't I'm under the impression your parents' income has no effect on your entitlement. Hope someone with better knowledge can he
  18. Hi, My partner and I are considering moving in together. I am currently on Income support as I am a carer. He is currently on Income support as a single parent to a 1 year old. If we moved in together, could we claim Income support as a couple or would he be expected to change to JSA or something else?? Thank
  19. Hi Under the new laws I see that fines are still allocated as a percentage of your weekly income. I was just wondering if anyone knows how this is defined for a student? The only money received is through loans and grants with no part time work. Regards Lewis
  20. Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this perio
  21. How to fight / complain about a council Norwich city council / Norfolk county council (both names on letters) that you believe are idiots and or committing fraud Actually in credit (£35) with rent account and council tax as we pay shortfall ourselves... but I'm a carer for 1 of 2 of my autistic daughters and my missus works for fixed salary with no chance of overtime ever.. so you'd think h/b and c/t benefit would be fixed. Not a chance when missus worked 5 days a week we got around £10 per week h/b, now same job but 3 days only, as original job holder has come back from maternity.
  22. BIT OF BACKGROUND... ..I have lost a court ccj against lowell, I tried twice to have it set aside, first time despite evidence that a ccj had gone to empty property not mine, (found 6 months later) letters from 3 neighbours stating long standing postal problems the judge at county court chose to not believe, only skip readed one, second time i tried to get it set aside i had a solicitor on it, he said that lowell had no deed of assignment and had not followed correct procedures on four counts, judge chose to ignore and said couldnt overturn first judge and w
  23. I am starting this thread on behalf of my brother who desperately needs some help. He should've been on Group Income Protection by September however due to his bad health he never chased that up. He was then invited to attend a functional capacity assessment on behalf of insurer in January which itself was around 4 months later than when he should’ve started on income protection. He gave in his 200% in that assessment to a level that he ended up being with swollen legs and pain for next 2 weeks to follow. His illness started around March last year when he was gett
  24. Hi all. My wife (28) and I (40) are looking to get income protection should one of us suffer ill-health. Please can I ask for any advice on what potential pitfalls to avoid or any other tips? Also, is a price comparison site a good place to start? Thank you.
  25. First of all, thanks all for contributing to this forum, your time and efforts are highly appreciated! I have received a Final Decision (rejection) from my employer's Group Income Protection insurance (UNUM) I have asked my employer to appeal UNUM's decision through the FOS (as I am not the policyholder) but they have declined to do so and refused to send me a copy of their T&C with UNUM. I am still off sick with bipolar and anxiety disorder and my claim is roughly around 16k£ Any suggestions? I feel like my only recourse at this point is against my employer
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