I am so stressed at the moment because Barclays have pulled a real good'un from their bag if crap. An old customer accidentally sent us £6000 by bank transfer on Wednesday morning, rang us up to explain and asked if we could get it back to him. Stupid us rang Barclays and told them what had happened and to return it back to the account it came from because it wasn't our money. After an hour on the phone, a reversal was done on the payment. Next morning, another £6000 gets removed out of the account. No warning, nothing. Several long calls to call centres abroad (around 4hrs worth) and it may be that the fraud department has pulled the funds and investigating. They've said it will take 10 days. We've got bills to pay and none of this is our fault. All we did was tell Barclays to put the original £6k back where it came from. Have we been caught up in some weird [problem] where the guy who transferred the funds gets his money back twice or are Barclays incompetent. We raised the issue, we are getting penalised. No wonder people keep their mouths shut when unexpected money lands in their account!

Investigation leads to shutdown of ‘asset recovery’ company that recovered no assets READ MORE HERE: https://www.gov.uk/government/news/investigation-leads-to-shutdown-of-asset-recovery-company-that-recovered-no-assets

Hi everyone, I hope someone can help with this I am at my wits end! Barclays have closed my account and say they are investigating due to breach of terms, however there is £6500 in the account which I can't get access to or transfer to another account. They won't tell me anything and say I cannot complain because I closed the account even though I didn't! Background: Last year I did some work as a subcontractor for a company and my wages after CIS deductions were paid into my Barclays current account, after talks with them we agreed that I take over the full jobs (project manage and complete works with my own subcontractors). I already had a separate ltd company so I started using this for the new work as a contractor, set up CIS, VAT, Corporation Tax etc. and obviously a separate bank account for the ltd company. All was going well but then the company I was doing the work for went into liquidation, they set up another company the same day. At the same time they paid three invoices for the limited company into my personal Barclays account (which they had on file) despite having the ltd company bank account details (which they had been paying into up to that point!). I tried to transfer the money straight over to my ltd company account but the transaction was blocked. I then got a letter asking me to come in to the branch and close my account due to 'breach of terms'. I went into the bank and was told I couldn't close the account because there was now an investigation. They would not tell me anything else but asked me to prove where the money came from, what it was for and why it had been paid into my personal account. I took all my invoices in, along with a letter explaining the situation , a letter from the company I worked for and all my up-to-date Tax/VAT/CIS returns and statements. All is above board, I run my company very carefully and I have never had any fines, debts or so on. I was then told I would receive a letter within 10 days. I didn't, I went back in to the branch, I spoke to the manager she spoke to the investigations team they wouldn't give any information said it should now be resolved in two weeks. The next day I got a large envelope containing all the bank statements from my account and a letter saying that these were for my records since I had closed my account = which I haven't done! I spoke to them again and they said they couldn't help and I should hear something by 9th May! I explained that I was trying to run a small business, this was money for my business and it was causing me a problem. They said they couldn't help until they had concluded their investigation. I asked what had happened to all the evidence I brought in and if they needed anything else and they said they couldn't discuss the matter! I phoned the complaints department and stated my complaint about the treatment I had received and the fact that I couldn't access the money, they said I couldn't complain because the account was closed. I asked who closed it because I certainly didn't and they didn't know. I do not know what to do. My business is relatively new and small, this money is a large chunk of my turnover to date. I will soon have tax and vat to pay along with my subcontractors and materials. I am managing at the moment but it is going to be a struggle. I can't get anywhere with the bank either in branch or on the phone, nobody will tell me what the hell is going on and they just keep adding more and more time on. If anyone can help or point me in the direction of someone who can I would be extremely grateful. I haven't done anything wrong, it was a mistake on the part of the company I work for that the money was put in the wrong account. It just feels like I will never get this money back or an explanation of what the issue is. Thanks in advance.

Opened: Feb 2018 Investigation into Iresa and its compliance with its obligations under its gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-iresa-and-its-compliance-its-obligations-under-its-gas-and-electricity-supply-licences-slcs-14-233-234-25c-slc-0-october-2017-275-278-2716-and-chsr-2008

I am writing this on behalf of someone else. Where i use the words me i or us means the person involved. Not me. I was employed as a mobile with a well known security company. My main job was to respond to alarms and deal with them. When i started my job off i was told that i was on a gauranteed 24 hour contract (weekly). I was not given any paperwork apart from some paperwork to show how and what i should be doing. I was told be my manager that i would recieve my contract in the post during the next 4-6 weeks. I also emailed my manager and he confirmed that i had indeed signed upto a 24 hr gauranteed contract that gauranteed me work of at least 24 hours a week. This manager left and work was going on well until october when my vetting was complete and i was sent a 0 hours contract by Human resources. I immediately phoned up and was told to query this with my manager. 2 emails were sent and nothing happened. Again in january this year my manager changed and i raised this again with hr. The new manager said he would investigate this. He came back to me and told me that the email i had was worthless and that i was on a 0 hours contract. Worst bit my days have been cut where i was without any income for 6 weeks. Since august last year i have put in several uniform requests and have had 0 back as manager keeps on claiming he has lost paperwork. This is despite sending 2 emails to him. I now come to the part After having nearly 6 weeks without work i started back a few weeks ago. The first night back i was pulled by traffic police and asked why i was watching a video playing while driving. The mobile is on a stand. I told the officer i was not watching i was only listening to the music and mobile was facing other way. Officer gave me words of advice and then took my details and after a few minutes told me i could go. No probs so far. He then phoned my employers and told them he was concerned for my safety. I only found out when a fellow officer came looking for me. As far as i was concerned the matter was finished. I did not log it either. Fellow officer told me that a call had been recieved and that the matter had been escalated to the manager. No probs here. The manager phoned me the follwoing day and told me i was suspended pending a investigation and that suspension would be unpaid. I have been to the investigation meeting and i was shown a picture of me sitting in my van with the mibile facing me. I was told this was taken by the other officer and he was allowed to do this. I have now been told that a decision will be taken and if needed a disciplinary will be held. I have been told not to contact any of my fellow workers. What do i do ?

Submit your evidence to assist Carillion investigation READ MORE HERE: https://www.gov.uk/government/news/submit-your-evidence-to-assist-carillion-investigation

Hi CAG members, last year you all helped me resolve my problems with Court Claim and at the end i win, thanks a lot. Now again i need to ask you for a help. It is about my friend, he is 60+. Some time ago (around 2013/07) he had trouble with gambling. He has hidden that from spouse and stuck with PDL to cover loses. One of them was Lending Stream. In three months he took 3 or 4 loans with them. The last one he can not manage to pay back and got a default on his credit file. As far as i know, the family was contacting LS to speak about repayment plan, but they were turned down and ignored. Of course spouse was not happy and they split after 20 years of marriage. But as for happy side, they are together again. Now the dark side. Yesterday my friend received Court Claim from Assets Collection & Investigation. It state that Assets bought this loan from LS and now have all rights on money owed. They claim around £1080 + interest + court fee £70, all together around £1200. For now i understand that he need to acknowledge the debt in 14 days time, is that right? I did not see that Court paperwork at the moment but will meet with him tomorrow. I was reading about complaints for irresponsible lending as well. Is there a option that my friend can send complaint to LS now even after received Court Claim or that is just a waste of time? Sorry for long story on the weekend. Just i respect my friend and want to help him to get out of this situation. Hope to get some help from you, thank you in advance Have a nice evening

BHS investigation READ MORE HERE: https://www.gov.uk/government/news/bhs-investigation

Opened: Feb 2018 Investigation into Ovo and its compliance with its obligations under the gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-ovo-and-its-compliance-its-obligations-under-gas-and-electricity-supply-licences-standard-licence-conditions-31a-and-25c-slc-0-october-2017

Charity removed and trustees disqualified following terrorism investigation READ MORE HERE: https://www.gov.uk/government/news/charity-removed-and-trustees-disqualified-following-terrorism-investigation

CMA opens SSE Retail/Npower merger investigation READ MORE HERE: https://www.gov.uk/government/news/cma-opens-sse-retailnpower-merger-investigation

Hi everyone I’m just desperate for a bit of advise I got a letter last week stating we have links to you and mr x who is the father of my 2 eldest children and ex husband we have been separated now since 2005 but never divorced mainly due to my religion and neither of us have been in a real relationship with other people we have a disabled son and we are very amicable he helps out with our eldest a lot and is very close with him. I pay all of the bills in my name we have a joint mortgage on the house and house insurance together he lives around the road in his mums and would come in and out to help our son shave hygiene tasks etc I have letters and proof that he lives there plus he is on the electrol roll at his mums I have a few problems firstly the house mortgage, the insurance plus he is a second named driver on my car insurance as this brought my monthly price down if I added him! Also he asked years ago if he could get a car out to my address and as this was for him to go to work I never minded if any post comes here for him he collects it from the hall table over the years he has had a few things registered here (all finance) reason being his mums house is blacklisted and also she would open his post I never thought this would be a problem but now see that it really is I am soo panicked I’m worrying morning noon and night can’t sleep I have visions of them saying that we should have had a joint claim, stopping all my money which panics me as I have soo much debt credit cards and loans then reading all sorts online I now have myself going to prison!! Any advice would be more than welcome

Hi all, I'm after some advice... I claim wftc as a single person - my husband passed away 3 years ago. When he passed away my husband had his own business of which we were both directors and our acountant filed our annual tax returns etc. After my husband died (he had a pub) i had to change the pub in to my nme in order to keep it going - pubco insisted. I set up a new limited company of which i was the sole director and informed hmrc of the change. Sadly, i found it very difficult to manage after my husband died and hit some pretty rough financial times and decided to give notice on the pub. The limited company was dissolved at the same time. Whilst i did work during this period - too many hours to mention infact, i did not draw much more than £50 per week from the business and this is what i told hmrc for the purpose of tax credits. If anything, i over estimated. The company was dissolved before our fifrst set of accounts were due and therefore no tax / accounts etc were ever submitted. As i took my money as drawings and not as paye i never had a "tax record" of anything. After the company ended i decided to go in to some consultancy work an formed a new company at the end of the year. Payment wise is more and i advised the tax credits people of the increase. Our first accounts for the business are not due until august this year but the tax credit people are asking me for a P60 from period 2016/2017 which i dont have. What do i do - how do i explain this and should i have filed something?? I looked on the internet and it suggests that if you are a director you dont need to do a self assessment if you are not being paid a salary and only take drawings as and when available which is what i am doing. I'm stressing that they will close my claim and make me pay everything for last year back (the lady on the phone said this could happen). I will no way be able to afford that and i can't pay my mortgage without the current award as i'm building the business and only take a minimum amount out of it... Help!

READ MORE HERE: https://www.gov.uk/government/speeches/debate-on-the-armed-forces-and-investigation-and-prosecution-of-historical-cases

Any help would be appreciated. I am trying to establish whether my solicitor has acted negligent by not following the pre-action protocol in respect of a Disrepair claim which has now been settled, after 6 years of my local council denying liability under the OLA 1957. I had an accident during the period where liability was being disputed but my solicitor is claiming that he did not have the funds to pursue a PI claim but never advised me on this, and on checking the pre action protocol under Disrepair claim there is reference that would suggest that in any event, a claim for PI arising from a Disrepair claim could and probably should have been made by a qualified legal representative as the Disrepair procedure makes reference to a PI claim if an injury has occurred because of the disrepair, in this case a out-house flooded everytime it rained.

Found this on the Mail where people are being hit with default CCJ even for a penny they know nothing about until the bailiff knocks or they are refused credit. It seems Crapita AKA parking Eye are getting default CCJ on alleged debts of a penny, as in o 0.01p. http://www.dailymail.co.uk/news/article-3784421/Stranger-s-40-parking-ticket-cost-family-new-home.html

firstly,im not sure ive posted in the correct part of the forum apologies if im in the wrong place. at the start of july i found 2-3 large pieces of plastic inside my brownies i ordered,the pieces were picked up and sent away for an investigation which i was told would take 4-6 weeks. im now on week 11 and no resolution on this. ive called constantly and been promised around 10 call backs from both the area manager and the area mangers boss and i am still waiting for those weeks later. i emailed what i thought was their ceos office about 2-3 weeks ago and had no reply either. does anyone a) know their ceos office email and b) what the heck i can do about this? its my phone bill and time being wasted chasing this up and being constantly let down thanks of anyone replies

2yrs ago my x partner had a problem with them say that she owed £3k as an overpayment,what i will say is watch what you get on appeal with evidence !! it ended up costing us a small amount which i think they should repay for getting replacement Divorce papers i mean who keeps them after 25yrs! anyway there basis was house i was there and i owned a house which i had a £65k mortgage on that basic but not implying i was living in and renting to her, basic the do a credit check and low and behold who ever owns that property you may be renting shows the purchase price,it took getting a copy from the land registry and print off of the credit check to prove i didnt own it,in the end on Appeal 3 days before due to attend the dropped it,letters saying you owe £0 to my ex yay...so read carefully there so called evidence...now the good bit 2 weeks later she suddenly owes £690!!!! so off to Appeal this goes to this is now being now chased by Rossendales! oh goody i had fun with them[ as Marstons now own them].........would seriously love to have this lot in Court,espeically as using me and supposedly having a £65k mortgage as evidence,but alas as i suspect its in House and not on a judgement in a Court

I received a letter today saying that I have been overpaid by £2400 for 2015 as I had been claiming for child DLA element when I did not receive it. The DLA had stopped and I did write to tell them but heard nothing back - they kept paying the amount so I thought maybe they were paying it from previous years and wouldn't be paying it unless I was entitled. The letter states that they have stopped my tax credits and that they will decide and notify me on what will happen next - either penalty or criminal conviction. I'm worried sick - any advice on what I do next? too scared to call them!!

Hi there, Fantastic Forum. Keep up the good work. A while ago my friend has been accused of benefit fraud. She has sent in an appeal at the moment, and she is waiting for them to get back to her. I have helped her by reading posts on the forum, and following some of the advice being given on here. But now I am stuck and don’t know what to do now. Like I said she is waiting for her appeal, but now the housing association are getting tough on her. They are demanding the rent that has gathered up due to her housing benefit being stopped months ago. She has been paying her water rates because her income support has not been stopped as of yet. But she can't afford to pay the full rent. She is due to appear in county court on a civil case in a couple of weeks time. She is a single mother with two children. She doesn’t speak much English. She is really stressed and doesn’t know what to do. Please, please help.

Hello, I'm new here and looking for help if possible. I was claiming tax credits as part of a couple with my husband until June 2015 when he left the family home. We had decided to separate with a view to divorcing and had put the house on the market, as soon as he actually moved out I rang tax credits to inform them. I should point out here that my husband DID NOT WORK and had not been working at any point during the claim period (one of the reasons for our separation). I was the sole earner and continued to be when he left. He never paid me any maintenance as he had no income. Our previous mortgage was in joint names but I bought a new home for myself and our children in my name and my husband signed over the equity from the previous property during the sale as I had always paid the mortgage during our marriage anyway. I moved house in August 2015, all bills were in my name etc. In November 2015 I had a nervous breakdown and went on long term sick leave from work. I was struggling to cope with the children alone. My mum moved in to help me but was working full time. Eventually in January 2016 my husband came to stay for a fortnight to help and finally secured a job for himself as I needed to leave work indefinitely due to my health. I therefore agreed that he should move back in to the family home and I asked him to ring tax credits to inform them. Tax credits said we would need to end the single claim and begin a joint claim which we did (the same week he moved back in). The joint claim has been active since. I have now received a letter from concentrix stating they think another adult lives with me and I needed to send a long list of documents, which confused me. I called up to speak to someone who was disinterested, didn't even take my personal details or look at my individual case and told me that it would only concern the period of the single claim (June 2015- January 2016) so I should send documents for this period. We had sold the house when my husband left in June and I had bought a new home on my own, therefore we did not change any of the bills at that time (June-August). The mortgage was joint (and could not be changed), the electricity and gas were in his name. I did call them to ask if I could start a new account in my name and was told that I couldn't as there were big arrears on his account (which I hadn't known about). I just left it as the house move was imminent and I did not want to take on that debt as my own! I cannot provide a bill as they were in his name and he no longer has them (although he could ask for copies). The water bill was in joint names until I moved too. As soon as I moved here in August everything was in my name only but as my husband had no fixed address he had given the electricity/gas company this address to send correspondence about the money still owed. The account was no longer live, it was just arrears, but I wonder if this triggered their 'investigation.' Either that or the fact he earned some money between Feb and April this year when he hadn't been earning previously (but we were on a joint claim then anyway). I can provide bank statements (although i have no idea how these prove anything), as well as utilities bills and council tax bill from this house from August onwards etc and they should clearly be able to see that my husband did not change his bank account or driving license address or regsister on the electoral roll until he moved back in. I suppose what I'm wondering is: Do I send a covering letter explaining all of this and hope for the best? If I leave out any of the evidence but explain why, will they refuse to look at my case? If they decide that they are not happy with the evidence for any period, what happens next? Can they stop the current joint claim based on this investigation as it is a separate claim and we are in financial hardship on a low income? If they decide that in their view, the claim should still have been joint even when we lived apart because we were married and eventually reconciled, would they demand back ALL the money they paid me between june and January or would it be the difference between what they would have paid for a joint or single claim? (which would be nothing anyway!) What is frustrating is that until February 2016, my husband did not have any income so I did not financially benefit in any way from the single claim as the single persons element is the same as the couples element anyway. It would make no sense for me to have fraudulently claimed as a single person because there was no benefit to me. I've read horror stories about this company. If they tried to claim back the entire amount I was paid simply based on their own 'assumption', I wouldn't be able to backdate the joint claim so could they really insist I pay back 8 months of money that they know I would still have been entitled to either way? I am worried sick, I am still being treated for depression and anxiety and receiving counselling and I feel guilty when I've done nothing wrong, and terrified of sending them my bank statements so they can analyse everything I ever spent. Some friends have told me to refuse to send bank statements as they are personal but I'm worried that if I don't, they will punish me. There is nothing on my bank statements relating to my husband, no payments between us or anything else, but I just feel horrible about them rifling through my private financial affairs that way and worried because my mum has put money into my account for me to help me towards the bills, is she allowed to help me that way?

Hi All, I am a new member and so pleased to have found this site, to be able to ask my questions. I will try and keep it brief, my h received a letter inviting him to attend an interview under caution, this has not taken place yet, but it is imminent. He does have a medical condition and has proof of it, he was claiming ESA and the lower rate of PIP, this is only a relative new claim, always told them that I was working full time, no council tax benefit or housing benefit claimed for. He was on the benefit for 5 months, he started to feel a little better and wanted to go back to work, luckily he did find a job, tried to phone the benefit agency many times before starting this work to inform them of a change in circumstances, could never get through, so he decided to put it in writing to them, then started work. The job lasted four months, had to give it up because the medical condition reared it's ugly head again, but during the time he worked, the benefit kept getting paid, he had given all his correct details to his employer and had paid tax and NI. After a few months, he decided yet again to try and get back to work, this time the job lasted 7 weeks, during which his employer had said that he had to register as self employed, did this all correctly. Now he is not working and has to go and have the interview, we have got all copies the paperwork, thankfully. He has got a solicitor to go with him, but I am afraid that they are going to try and make out that it is his fault, if he was trying to do anything deceitful, then why would he give his employers the Nat Ins number, he is not thick, he knows that this would show up and he hoped that at the end of the tax year, they would realise their mistake and stop the payments, by the way the money has not been spent, but saved. We have always worked all of our lives and paid taxes etc, never been in trouble before, oh I do not know the amount of overpayment they are saying yet, but it is their fault in our eye's that it even happened, but I am scared of the DWP, having heard awful stories about them. Any advice would be much appreciated, thank you.

Hi can you help me? Sometime ago I parked briefly in a pay and display car park owned by corporate services I didn't have the correct amount of change on me so I popped into a shop to get some. By the time I returned I had received a ticket. I ignored the letter they sent me & I have now received a demand for payment from a debt collecting agency for £160.00. Is there anything I can do? Thank you.

Hi All, I have just signed up here after reading numerous threads i am hoping for some(any) advice on my situation. Which i think i should warn that it may be upsetting for some readers with possible triggers, i do apologize but i want to put as much information here as i can.. I am sorry if i ramble here there's a lot to get down, it really will be a short novel I am being investigated for Housing Benefit and Council tax benefit(along with single person discount) fraud from what i assume is June 2011 til present day. I have my IUC for the 7th of April at my local town hall. The investigation is for living with my partner. I was first made aware of this approx one month ago i received a letter from the counter fraud team stating they had information that i was living with a partner which effectively stops my entitlement to Single person discount and that i need to contact them with all the information on my partner and dates that he moved in. I contacted them by email to state that yes i live with my partner and had done since roughly August 2014. I gave his information that they requested and also apologized and acknowledged that i had been receiving Single person discount during this time(not purposely to de fraud) but still at my own fault. I asked what happens now, They replied thanking for the quick response, she then stated in the email 'We have information to state that he has been living with you since June 2011 and we will need all other addresses that he had been living at up until when you stated he moved in with you in 2014'. I replied saying this was not correct and we had been in a relationship since 2011 but he did not live with me, i then gave the address of his mums house(That's where his post always went he never changed it) and also his dad's house where he effectively lived during this time. Since then they have contacted his mum and dad to inquire, his dad has replied to them stating he stayed there a few times a week(Dad was receiving some sort of benefit i suppose), and in fairness my partner did stay with me every now and then and was here a lot of the time. His mum confirmed his dad's address. I have a few days ago received the letter for the IUC and that is where i am now at. The background information - The property where i live was originally my dad on the tenancy agreement, he moved out in 2011 and i took over the tenancy(as i have lived here since 13 years old). In October 2010 i met a guy(my partner) in a 6 month temporary job we were both in(working for the council) at the time. We didn't start a relationship until March 2011. Both of our contracts had ended there and we were out of work, i managed to get a job very quickly and a high paid one(over the moon). I had been there no more than a week when my whole world changed forever, i was raped on April 4th 2011. I did not tell a soul, not my partner, police, family nobody. However it became strikingly obvious something was very wrong and i broke down to my partner(Not long been together) but he was my life line. Due to the amount of distress i was in and inability to talk to anybody i lost my job. I then wrote a letter to my dad as i couldn't bare to tell him anything, my partner took it to him and had to sit and watch him read it, basically me saying what had happened and how i am falling apart, lost my job and couldn't afford the flat. My dad gave me some money to pay the immediate bills, and told me to claim housing benefit ect as soon as possible and get to the doctors. I must add that from early 2010 i was suffering with severe sciatica and lower back problems receiving physiotherapy ect. However i still managed to work. During this period in 2011 my back problems worsened and i was sent for physiotherapy again, and therefore claimed ESA on the assessment rate(I think). I went to my doctors, possibly a few months after it happened, and told them how i was feeling ect and they pointed me in the direction of a Rape crisis organisation. 2011 and most of 2012 were absolutely horrendous for me mentally, emotionally, physically and financially. When i was asked to go for an assessment for ESA, i never went, cancelled my claim and said i would be claiming job seekers. Mostly because i was told i would never 'pass it' for back problems and they would make me feel silly. Some what because i didn't want to do the journey, had become quite agoraphobic. It took me a few months to put in the claim for JSA, i was severely depressed and getting myself to talk to anybody took a great deal of effort and upset. I ended up getting far too many pay day loans(Faked employment) and was living purely by scraping money together from selling anything i could to pay back the loans and keep getting more. I don't remember many details from back then but i clearly remember having no money and mostly living off 16p super noodles. I never told my family about how bad my situation was, i have never been one to tell of my problems and i hate putting that stress on to them, so i always managed to avoid contact or put up a false pretense. I believe i stopped claiming HB and CB in early 2013 when i eventually started employment. However i was still receiving Council tax single person credit up until recently. So i have been paying full rent since 2013. Now my partner, during all of 2011 and most of 2012 he never had employment, i think he had two sales jobs that lasted no more than 5 weeks each. He was either claiming JSA or nothing at all. He was with me more often than not as he was my only confident, he was my life line and did everything for me. However he couldn't contribute financially as he had nothing to contribute. He would sell his DVD's and any bits to get me money for food sometimes. When i met him he was living at his dads house, i would stay there the odd time and he would stay here, sometimes we'd stay apart. His post has always gone to his mums address he never changed this. Until around July 2012 when he applied for a job at a company my dad worked for that was close to where i lived, he put down my address as thought this would benefit his chances. He stayed at this job until late 2013 so just over a year. During this time we still did not class him as living with me, i didn't think his job was secure although he would help me out with money every now and then he never had any bills ect in his name. Fast forward to March 2014 he got a permanent job as a home carer for a company close by, this is when we decided for him to move in and for us to inform the council. I did this by email in May 2014 and asked what the steps be, they told me they would need his I.D ect handing in to them and that he wouldn't go on the tenancy for 12 months. They also said as i had some arrears they needed clearing first(which was fine). We handed his information in. Since this time my life has been up and down, never really addressing my mental health problems, severe anxiety and on/off depression, my partner has literally been my everything and how strong he has been to stick by me through everything really makes me so upset that we are now in this situation. My life started to get better a steady job i enjoyed as well as my partner, managing to save some money and had our first holiday in June 2015 which was so overdue and absolutely amazing. I got back from the holiday and was given a weeks notice of redundancy, everything fell apart again, my anxiety came back with a vengeance, since then i have had one job lasting four weeks, and my current one which i have been in since September. I have been signed off sick for nearly 7 weeks now due to my anxiety, my employer has been so supportive and i can't thank them enough. My GP put me on a CBT course and i was feeling positive that i am taking the steps to overcome this and get my life back on track, then i received this fraud letter. I have not been functioning at all, my hopes of getting back into work have shot down due to the amount of stress, i've been physically ill for weeks, vertigo, headaches, severe depression, neck pain and stomach problems. I am absolutely terrified of being back in that place i was 5 years ago, feeling so hopeless and helpless. I don't know if i have the strength to go through this whole process. We are struggling financially as my partner had to leave his job in January(constructive dismissal) and has only just got new employment this week, during this time i have been receiving SSP, and paying the rent/bills has been impossible. I can't see a light at the end of the tunnel, my partner has 2 children he has to provide for and is not on a big income at all, i can't see me getting back into work anytime soon as all i can think about is this investigation. I would like any advice at all, even if it is bad i just want to know what to expect, i can't afford any legal help and doubt i would be entitled to free help as i am technically employed. So basically i have admitted i should not have been receiving Single person discount since 2014 up until now. I told them that i did inform the council he was moving in(but they are not linked) i didn't know but that is my fault. However they're investigating since June 2011 and i have worked out it could be nearing £15,000 maybe more. My worry is i cannot prove that i didn't believe i was living with him, we were in a serious relationship and he spent a great deal of time here so technically that will be enough for them to say i wasn't entitled? If they ask me specific questions i will struggle to answer as honestly the whole thing is very blurry to me, i don't know how i survived, i just know that i was not focused on anything and just getting through day by day. Is anything that i went through relevant at all to the case and if so should i provide this information or is that just for courts, and in terms of me not being able to remember specific details as i suffered and still suffered from mental health issues. I have found emails and saved them that i sent to the council in 2014 about my partner moving in, and in the email i even stated that i was not in receipt of any benefit so nothing needed to change(i genuinely forgot about this Single person discount). I have doctors records and emails to and from the rape crisis team in 2011 detailing dates ect of events. The fact that for the time they are investigating my partner was pretty much out of work that whole time would i have been entitled to the HB anyway? All these things i am not sure if they are considered or not. Any advice at all or if i have not been clear please ask questions, i am in an absolute state and although i know that it's impacting my health so much i can't seem to let it go, i am terrified. Thank you in advance for any help

As many sufferers of the BES practice and the investigation by Ofgem, they published a report yesterday.(18/ 12/ 2015) http://tinyurl.com/qcabj4j