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About Me


Found 18 results

  1. Two weeks ago I boarded a bus at around 8:00am in London. I got off the bus a few stops later to head into a local Tesco store to buy my lunch for the day. I then walked back to the bus stop that I got off at and waited for the next bus to take me to work. The next bus arrived at 8:30am. It was one of those buses where passengers can board the bus on either the front, middle or back door. I boarded the bus from the back door. I sat downstairs and minded my own business, staring through the window and browsing on my phone. A few minutes later, I heard a bus ticket ins
  2. Well a little bit of background Info in a period from 2010-2014 I got caught In the payday debt spiral like many others did I would often move from one lender to next In a desperate attempt to try and make my month salary meet my everyday commitments, I eventually got out of the trap but not without a big impact to my credit score and mental health (I found myself to scared to open letters and ans phone calls I even changed email address to avoid dealing with the problem) I realise this was a stupid thing to do but believe this may have been caused by a mild form of depression caused by t
  3. So, I got the dreaded brown envelope stating I'm due to transfer from PIP. Urgh. One question for now - one of the questions on the form they send you is the name and address of a professional who sees you. I'm under someone who I've seen at 2 different locations. Does it really matter which address I put down?
  4. I haven't been able to find a link to the actual decision, but an Upper Tribunal has apparently now decided that 'cannot follow' means both cannot because of some physical or intellectual disability AND cannot because of e.g. anxiety, thus clarifying whether all of the descriptors can apply to conditions such as agoraphobia. There were previously two contradictory decisons on this subject, and of course DWP guidance reflected the most restrictive so people with agoraphobia who were able to leave the house could only score a maximum of 4 points and were therefore being denied any rate of m
  5. Hi, I was caught by the revenue checking inspector/office, while travelling from Wickford to London Liverpool street for not paying full fare for my journey. I have been regularly travelling from Ilford to Liverpool street by having an annual ticket. Quite recently, I moved to Wickford and travelling once or twice in a week. I was travelling part of the journey without valid ticket (for more than once) in order to save few pounds based on the wrong advice that I had received from a friend. Because of which, I am in trouble. Ticket inspector/officer caught me and found o
  6. Hi, I purchased a period return ticket from Oxford to Manchester last week. I didn't have a problem on the way up, but I had an issue with using the return ticket on my back. I don't remember which stop it was after but, somewhere between Manchester and Birmingham New Street, the guard came through and stamped the return half of my ticket. When I reached Birmingham New Street, a new guard replaced the previous one. When he came through to check the tickets, he told me that I had already used my ticket and I could only use it once. I explained to him that the ticket had been
  7. Yesterday, I came from Bournemouth to Plymouth. I had to go to Southampton and then to Bath. No problems with the journey to Southampton and the journey to Bath was delayed by 7 minutes. (not an issue) I then got to Bath and the train was delayed by one hour. We were never updated with what was going on. The train was absolutely packed and there were no reservations on seats. Having spent Sunday running some 13 miles, I really didn't appreciate being forced to stand on a train. Thankfully, I only had to stand from Bath to Bristol. I did write something on the FGW Facebook page and th
  8. I would appreciate your consideration of the shocking situation I have experienced with my Dodge Journey – now off the road and worthless following an unexpected, catastrophic and unbelievable internal mechanical collapse. My Dodge Journey is only four and a half years old with just 64,000 miles driven and was registered by the Chrysler dealer on 24th December 2009 and purchased direct from Chrysler Oxford by me in the summer of 2010 at just 6 months old with no other prior owners. My car was exclusively maintained and serviced by Chrysler Oxford until I relocated during 2013, after whic
  9. hi cliam form sent nov 12 2013 dwp got it atos got it 5 dec 2013 no news at all m p has witten one month ago she still not heard anything back from them either is this a record
  10. Hi My son has received a latter today from IRCAS saying he hasn't appealed a train fine from may 28th. Well its news to him, this is the first letter. It says he dodged his fare on this date from Hereford to Manchester. He has never been to Hereford in his life or near there and was in work that day and can prove it. its a 72 quid fine. at first i thought it was a spoof as had never heard of them before but now I think someone must have used his name and address. Do they ask for ID when taking someones name and address? It wasn't him and I am not sure
  11. Following success with my mum and Halifax my sister got me to SAR Blackhorse they have now sent her 4 agreements including their remortage loan from 2003. Looking at agreements the cost if PPI is high. Her hubby was self employed and she a home help. She is adamant they were told she had to take insurance. The loan agreements are typed and ppi box ticked and their signatures at bottom of agreement. One if the loans she is adamant she didnt tick the box. Should i send a statin sheet for each loan with the questionaire? I am gonna state
  12. Im going to need some help along the way with this one and hopefully my journey will help others. I have to date had 4 successful PPI Claims 2x MBNA, 1 x Halifax and 1 x Capital One. Yes Car Credit is my final one and reading other threads it appears this will be the most challenging. I have SAR'ed them and received my response today, It makes very interesting reading. Im claiming as i have comprehensive cover through my employment and never have needed it, I was also told I had to take it out to get the finance. 1st my number one referee, has been filled in by them, with a
  13. Not a problem, just a question… I have asked the following at my local train station(Chelmsford) and London Underground (Liverpool street) and have 2 different answers(No and yes in that order!) At present I buy a monthly travelcard including zones 1-6. I wish to split this and instead purchase a monthly travelcard from Chelmsford to Harold Wood (Zone 6) and also have a monthly Oystercard (Zones 1-6) to completer the journey to London Liverpool Street. Is this acceptable considering that the Chelmsford to London train passes through Harold wood but does not stop there?
  14. Hi Everyone, Some of you will know me as I post regularly on the benefits forum. Today I received that which those of us on ESA dread - the ESA50 form. I went to open the innocent looking white envelope and noticed 'Atos healthcare' on the back and my stomach sank. Yes, even a former benefits worker dreads the prospect of the assessment process starting again. I've been on ESA for several years and have had two assessments, the first one placing me in WRAG, the second in the support group. I have yet to have to appeal for myself - but there is always a first time. I thought it m
  15. The journey (flight of fantasy) of a PIP appeal. Note: fails to state the appellant’s two time limits to act. http://www.dwp.gov.uk/docs/pip-disputes-journey.pdf Tribunal Service SCSS1 appeal form http://www.justice.gov.uk/downloads/forms/tribunals/sscs/sscs1.pdf This is the guidance pages for the new appeals system http://www.justice.gov.uk/forms/hmcts/sscs
  16. I really hope someone can help, I am really anxious about this. I took a rail journey which I have taken many times before on the same Oyster card. This time however the ticket barriers were open. I tried to scan my card anyway but it didnt beep/accept. There is also another point where you can scan but this area was cordoned off for painting work. If there was another place to scan I was unaware of it, Perhaps I should have had a good look around but I didn't. They did send me a letter where I had a chance to reply within 14 days. I wrote a whole page explaining the circumstances bu
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