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  1. Hi all. Today I received a letter detailing my arrears on my mortgage. Now Kensington have recently took over my mortgage from GE Money. GE sent a final letter to us a short while ago showing arrears of around £8000 (bad I know) but now Kensington have sent me a letter (received today) showing : Payment Arrears : £8946 Other : 0 Insurance Related Charges : 0 Fees and Security Related Charges : £4496 Total arrears : £13442 Does anyone know what the hell FEES AND SECURITY RELATED CHARGES are and can they add that much to an already heavy debt/burden? I dont know
  2. Hi there first time posting so please be gentle! I’ve worked for my current company for 10 years now and have a really good non sickness record and have never been in any disciplinary trouble. However on 27th April my employer stated and investigation into me and the team I was leading, after 2 investigation hearings I was suspended on 8th May. The company suspension policy recommends 5 working days suspension however I was suspended a lot longer, finally on the 17 working day The stress got to much for me and contacted HR and asked them for an update, 2 days later I got an invite
  3. Hope this is the right spot for this .. . my first visit - first time I've been threatened with a court action, too - scary! In June of this year I cancelled my gym membership - no valid medical reason - we just weren't going. I had been a member for a couple of years but - and guys no laughing! Swimming three times a week was wrecking my hair.. .. okay you're allowed to laugh a little but just quietly please I went to my bank (Barclays) and instructed them to cancel my direct debit. They did. At least - they told me it was cancelled. They hel
  4. I have been on work related ESA for about a year or so, my adviser has been pusihing me to volunteer at a charity shop and I have. But it isn't my anxiety that's effecting me. I have trapped wind(very painful and makes me sick) so had a blood test and was diagnosed with a failing thyriod, no medication given yet. When I first went onto ESA before the interview to determine where I go, I wrote down trapped wind. But was not allowed to put that down on my sick note. With my thyriod problem it has casued me to suffer from on/off depression, I have anxiety which makes me sick. I am d
  5. Friend built up congestion charge debt as (stupidly) he didn't change the address for his van when he split from his wife - she just threw any correspondence for him in the bin. Bailiffs called to enforce debt. Only real asset was work van that had finance outstanding. Bailiffs said that they were taking control of van, finance company were called and said they could not. He kept the van. Problem is the van will be paid off in a couple of months and he is worried that the Bailiffs will then return to take control. What is the situation around this. Don't have any paperwork to hand as
  6. hi does anyone know much about this, how does it work re switching. apparently some suppliers may or may not accommodate? have read that such (econ 7) meters wld be treated as one and the same re invoicing even though there are 2 meters with different MPAN's. ie one supply charge (not one for each meter), and one rate, for both as if one meter. but, one supplier says that each meter will attract its own supply/standing charge? anyone any info. thanks.
  7. Morning, This morning, some one has called to my house and attempted to get in. I was letting the dogs out, and there was a knock on the door. So, trying to sort them out and get them back in takes a while, they are big bouncy dogs. Anyway as I am trying to get them in, there is a man with a photo id around his neck and some sort of ipad in his hands, after the first knock he was shouting 'hello is there anyone in there, pretty loud and constantly, also looking through the kitchen window. I could see him from the garden. As I got into the house I could see the handle on my fron
  8. What happened was I have aspergers and my support worker to claim a SMI ( severe mental impairment) for council tax exemption. I took it to the doctor and she stamped the letter but she reworded it moderate instead of severe, but . My local council tax office said something about because of severe disability premium, ESA support group and h rate care l rate mobility means I still qualify , then I phoned the city council tax call Center they disagreed, my local one says they not specialists and she asked her council tax practitioner she agreed again that I still qualify.
  9. My job as a roadside tech ( recovery driver ) is a Monday to Friday 10am till 8pm once a week I cover a night shift from end of my day shift 8pm till 8am the following day then start my day shift again at 10am Long hours I know and the night shift or being on call out as its known is unpaid unless im actually called out to a job then im paid by the hour at overtime rate from job start to job finish usually 1 or 2 hours. The call outs are sent via a night controller who sends me the jobs by SMS to my mobile phone, the night controller is as expected paid to take the jobs and rel
  10. I'm currently renting with a private landlord, everything was fine until an outbreak of mould. My flatmate moved out as we were told that the builders would need the flat clear but realized it was only surface mould so I was allowed to stay in the flat, rent free whilst paying bills. During this time my 6 months contract ended. I've been living there without a contract for over a month and the LL wants a new tenant by Friday, they've not given me much time as I was only allowed to conduct viewings once the place was painted (last week). All seems fine but they're 'threatening' to kick me
  11. I have been bullied at work by a colleague and raised a grievance. The meeting is next week which is making me very anxious and panicky. I signed off for anxiety and stress at work, informing my line manager that I will stay out of work until the meeting, because the stress is affecting my mental health. The absence will be less than five days. My manager's manager insists that I have to call in every day. I checked the Sick Leave Policy and there is only mention of keeping in touch, nothing about a sick employee calling the office every day. Is this allowed?
  12. I think i've found the answer (as usual jobcentre didn't follow proper protocol) but to help others i'll post some links. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/473426/admu4.pdf Page 4 seems to say that i am exempt from any work related requirements due to being a carer. On page 9 claimants who must attend WFI but are not subject to WRA are dealt with separately. From https://www.gov.uk/government/publications/advice-for-decision-making-staff-guide https://www.whatdotheyknow.com/request/224561/response/568813/attach/html/9/07%20Post%20Wor
  13. 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.
  14. Hi Everyone. I would really appreciate your input on this issue. I just received a Default Costs Certificate from Chester County Court. The letter was redirected from our old address in Wales (we have now lived in the South East of England for the last 3 years). The letter states: "As you have not raised any points of dispute on the claimant's bill of costs, the costs of the claim have been allowed and the total sum of £604.85 is now payable. You must pay this amount to the claimant within 14 days from the date of this order (1 June 2015)." Now, this is the first time I hear o
  15. My friend received two letters on Saturday. He has been in the support group for a while, and was awaiting the outcome of an ATOS assesment. Letter 1 told him he had been moved and has lost the support elemen of his money and Letter 2 tells him that he has a Mandatory Work Interview this Thursday, at the local jobcentre. I am not going to try and deal with an appeal myself, (too much has changed and too much is at stake for people if I cock up as a non-professional). I am going to refer him to a local disability charity that helps with these things. Quite well apparently, for a s
  16. THE CO-OPERATIVE BANK PLC ran an "Identification: Generic Check" on Experian. Do they do this for all transferred Britannia accounts or should I be concerned? I have not applied for any products from them. The only Co-op product I have is an old Britannia Building Society savings account with a very small balance that was transferred to them during the merger and I haven't even updated the passbook for a couple of years as it's only a few pence interest.
  17. I had a visit last week from a compliance officer, I'm worried because, although I've done nothing wrong, I don't understand the full process. Could anyone offer any advice on this as I need to be sure about whats going on before my next fact finding visit. Thanks in advance
  18. I have been in the same job at the same place for 10 years. In 2011 I was diagnosed with work related stress/depression and was signed off for several months. I did return to work on a phased return but did experience some harassment from my boss and after a year or so the problems flared back up and I was signed off for about a month with work related stress/anxiety/depression. Again I came back on a phased return and I insisted on completing an individual stress risk assessment where I listed some of the factors that contribute to the problems. I had one meeting to discuss tge assessme
  19. So this is an unsual one on behalf of my sisters boyfriend. Recently, he left his job because he found better employment elsewhere. The job he was in required a months notice. He advised his employers on the Thursday that he would be leaving on the Friday-not 4 weeks notice, but his new job started the following Monday, and quite frankly, its a fact of life that sometimes your new job means you cant work your notice. Unfortunate, but sometimes unavoidable. He told the secretary, who advised that the boss would not be happy, and indeed he was not. He told the person in quest
  20. Hi CAG, Wondering if I could get a little bit of advice here on what I should do and where to start. I've been claiming income related ESA since the 8th of April 2014 and on the 26th September 2014 I had my ATOS assessment. This week the DWP/ESA have decided and placed me in the Work Related Activity group (Yay - I think?). Well they have put me in the group from the 26th September 2014 and told me that I will be back paid from the 26th September not the 14th week of my ESA claim like it says on there website None of my circumstances have changed between the 8th of Apri
  21. Hi, I just wondered whether anybody can help me with this. I am in the Support Group of ESA and I am also in receipt of both the care component and mobility component of PIP. I received a letter today from my local job centre saying I have to attend a work-focused interview with a view to helping me back into employment. I telephoned them to ask what it was for and why I was being called in for a work-focused interview whilst in the Support Group and they said it is because there is a new advisor at the job centre and she is calling people in “for a chat, just to get to know th
  22. I am a 62 year old man,who has osteoarthritis in my cervical spine and most other joints.After a recent ATOS medical,I seemed to be cured of my incureable illness with a stroke of a pen and was placed on W.R.A.G. I then attended an interview in my local Job centre and was told to appeal as i was to Old and unreliable to get a job.I have appealed and they sent me another form to fill in since then nothing. Surely they should put an age limit on these ATOS medicals. I for one would dearly like to get back to work however i am a realist. If the Government want people of my age and condition to w
  23. Hi All Does anyone have a list or can point me to a website that can advise on what things are classed as work related activity please? My adviser is not being very helpful and just wants me to sign up to the work program which I don't feel I'm able for. I got a breather for a few weeks there as I was going through CBT but she keeps booking WFI's for me every 2 weeks...She knows the jobcentre freaks me out and she's like "well if you don't sign up for the WP you'll just have to keep coming here" ... Next week will be my 5th one in 3 months. So I'm trying to find stuff on my own
  24. i need a list of legal documents related to debt recovery legislations that i can read to defend myself in court. both for non statute barred debts and statute barred debts. only post on the thread if you are not going to patronize and address the question directly.
  25. Hi, I'm after some advice, as I'm really confused about my ESA. I received a letter a couple of weeks ago telling me of the benefit changes that will be happening in April, and at the end of the letter was a breakdown of how my money is worked out. They've referred to it as income related, but then at the end there is a top up of a couple of pounds, so that I'm not worse off than I was before, which is described as contribution based. I don't understand how I can get contribution based, because I've never paid any NI contributions because I've been ill and on sickness benefits since I turned
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