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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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laineynic

Neighbours and the DWP

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My brother broke his hip and fractured his coxic in a serious accident whenhe fall of a roof.

He pungtured a lung and broke 3 of his ribs and spent many weeks in hospital. .

 

 

Since this accident he has lost almost everything.

His girlfriend, his 2 children, his home and a willing to live.

He has mood swings and suffers from depression and his family life suffered because of this.

 

 

He has tried to build his life again but as much as he has good days they are overshadowed by bad days.

 

 

He has moved back to the family home and has made very slow progress.

 

 

Recently he has been getting better as friends have been coming to see him.

He has a knack when it comes to fixing and sorting cars out he has an eye for detail and has recently rebuilt a car.

 

 

He is more than grateful to friends and family for aking him to fix their cars

but does it has a hobby and nothing more.

 

 

He has a new girlfriend now who bought him a car to fix up and he had been working on this car for a number of days.

 

 

3 days ago someone from DWP turned up on the doorstep and told him he had been reported to them for making money out of fixing up cars.

Which is not true as he has never taken a penny for anything he has done.

 

 

We do have an idea of who is responsible for calling these people, but no proof.

These are neighbours of our family.

 

 

For many years they have been vidictive and take great pleasure in hurtin and upsetting our family.

Today I went to see my brother and he has slipped back into a very low state of mind.

He couldn't talk to me about it today as he couldn't stop crying.

To see a many of 37 crying is heartrenching.

 

 

He feels that everyone is against him.

If you have ever suffered from depression you will understand how much one thing can put someone back so much.

 

 

I feel annoyed and very angry that people like this think they are doing good when they need to know the facts

before they report anyone.

 

 

My family are honest people and my brother is mentally ill.

This is the last thing he needs.

 

 

Just when we thought things were about to get better for him someone has the nerve to knock him back.

 

 

The DWP have said they will be watching him from now on.

I have told him you have done nothing wrong except try to get your life back on track.

 

 

We had hoped by this encouragment it may help him pick himself up and look for a job.

 

 

Now he feels that he is being watched.We are almost 100% sure it is the neighbours

 

 

as when I go out of my car they were wtching me through their curtains.

We know that the DEP are only doing there job and acting on information.

But what can you do when the information they have is wrong.

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Nothing really. They would have to 'prove' that he has earned money. I take it that are not taking it any further if they said they will be watching.

I do sympathise and when you are in a state of depression and you feel you are being 'needed' by doing something for others, it boosts you emmensly

 

Check out you brothers doctors to see if they run a group for people with depression as they sometimes put people in touch with local employers who would take on your brother as a volunteer in this type of work and he can also gain certificates in this type of work that may help him out in the future when he could be ready to go into work.

 

 

idax


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Hello,

 

I was really saddened by your post,surely he is allowed a hobby and as you say it was helping him overcome his depression.

 

I do hope he can put this behind him, maybe the nieghbours need to get a life and leave your family alone to get on with helping your brother to rebuild his.

 

I truly feel sorry for you.

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I think that you could help- what you wrote here should be sent to DWP.

DWP employs people although it's sometimes difficult to believe it!

These people are decision-makers and they know about vindictive neighbours, occupations that are allowed or beneficial etc. They also know that without evidence they cannot allege fraud. They may also be advised that you are not prepared to have your brother harassed or stressed out.

Nicey nicey but firmly :)


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Some very good advice there, maybe your brothers Doctor could also put in a word for him to say how this has helped his recovery, I am sure this is very frustrating for you all, but don't let them win.

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Nothing really. They would have to 'prove' that he has earned money.

 

Not really true.

 

There is no requirement for the DWP to prove that a claimant has earned money whilst claiming.

 

To be available for work is the test and seeking work.

 

A jobseeker needs to sign a declaration each fortnight that they have sought work. If they admit they have not then they are not entitled to benefit.

 

Depression is an awful thing. However, I cannot see that your brother is claiming a sickness related benefit from your post.

 

Like it or not, if your brother has been working a 'hobby' repairing cars and not looking for work then he may well get his benefit stopped.

 

A jobseeker is regarded as a 9-5er. Meaning in those hours they need to look for work or practice their hobby in free time, like a weekend.

 

Sorry, but it's the law.

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I took it from post that it would be Incapacity rather than jobseelers due to condition

 

anyone 'working' over the weekend or evening is still regarded as work , job seekers is just not 9 - 5 .

 

but they do have to prove that you are working for someone and being paid for that work.........

 

they have to prove you are in a 'work' position...

 

just cause i do odd jobs for family and friends doesn't mean i get 'paid' for this work and therefore do not pay tax and NI for it....

 

 

idax


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With health problems like this, I would have been surprised if OP's brother wasn't in receipt of incapacity bens, DLA maybe...but then it's guesswork. So, assuming that he is in receipt of benefits because he is incapable of work, DWP may check whether this is the situation indeed. Still, claimants of some benefits are not expected to do absolutely nothing and some are even allowed to take up work if it's beneficial to their health without loosing benefit.

Your brother needs a proper benefit advice anyway, so get in a queue in your local CAB.


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Thank you for posting the advice you have it was very moving snd bought me to tears.

 

I am aware that my brother claims income support and nothing else. He ecently had an assessment by the DWP and the Dr who examined him agreed that he clinically depressed and unfit for work.

 

I am very worried about hi situation and feel like screaming at the "neighbours and the DWP to back of. Not long after his accident he took sleeping pils and downed a full bottle of neat vodka. He ended up on a physciatric ward and had his stomach pumped. He has tried to put things behind him and move on. But every time he seems to be getting there Bam another thing hits him, but hits him harder.

 

Our prority is to get my brother back. When I don't know. I know that he doesn't get paid for any work he has done and he migh be fit for work today but not tomorrow.

 

If only they could stop and think hat these actions have done. I don't in anyway blame the DWP - its there job. But there are 2 sides and the imprssion we got was it was the neihbours side they took.

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Well, i really would get his psychiatrist or CPN to write a letter - what he is doing is occupational therapy, not work. Would they check up if he was knitting or flower-arranging? It's the same thing.

 

I think your brother needs this taken away from him so he doesn't lapse further. I would speak to the professionals mentioned above, stating the negative impact this has had and get them to contact the DWP on your brother's behalf.

 

There really are real people at the DWP (I know - years ago, I worked at one) and they will be sympathetic and listen to medical professionals.

 

They also may be able to help when he is feeling better to get him into some sort or unpaid training in exactly this sort of thing.

 

Unfortunately, positive action will ahve to be taken or this situation could spiral out of control which could affect your brother's mental health adversely. He needs someone to be strong for him on this until he is strong enough himself to deal with it.

 

Good luck!


All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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A few years ago I was reported for living with someone whilst on benefits, probably by a neighbour, and it was a truly horrible situation. I imagine it's almost impossible to prove that someone does not live with you most of the time, especially when you have an investigator reading to you that 'he's been seen coming and going on a daily basis, and his car is always parked outside'.

Luckily for me at the time, the person they suspected was working in Japan and had been for three months which was easy to prove, and his car was parked outside as he'd lent it to me as mine had just failed yet another MOT and was obviously destined for the scrap heap. I still don't know which neighbour it was or why they should have done such a horrible thing. I would like to believe they genuinely thought we were breaking the law, but that's difficult in view of the obvious lies in their statement. My first thought when this happened was to take the car straight back to his house, but I didn't and it's still parked out side every time he's away which at least gives me the satisfaction of knowing that whoever reported me knows they didn't win. About 6 months later someone, probably the same person, even tried reporting it to the council as an abandoned vehicle. Some people are just plain nasty.

I can fully sympathise with your brother. Even though I knew I'd done nothing wrong, until the letter arrived from DWP confirming their investigation was complete, I don't think I slept at all. At the time, this person was genuinely just a good friend (his son and my daughter were school friends, we got chatting when he picked his son up one evening etc) but things have now moved on. We still do not live together, but he does occasionally stay over - usually when we've hit the wine lol - and every time I'm almost having a nervous breakdown in case someone reports us again. It doesn't make for a relaxing evening, which is why we don't do it very often.

One final point. 'Innocent until proven guilty' doesn't necessarily apply to DWP. They stopped all my benefits without even telling me, even IB and DLA, until the investigation was complete which left me with no money at all for four weeks.

I can't really give any advice other than to get as many professionals as he can on his side over 'therapeutic work', and keep doing it. It's good for him, the DWP can see what he's doing and why, and the neighbours will see that their tactics didn't work. And good luck.


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I took it from post that it would be Incapacity rather than jobseelers due to condition

 

anyone 'working' over the weekend or evening is still regarded as work , job seekers is just not 9 - 5 .

 

 

I think you misread my post ida.

 

A jobseeker is expected to search for work during hours of 9 to 5.

 

It would be pretty daft for a jobseeker to say they look for work during the hours of 10pm to 6am, when most places are closed, yet expect to get benefit.

 

Also, I bought a home study course just before becoming jobless but the DWP told me that I should only study in my spare time, after the hours 9 to 5, as that time needs to be spent searching for work.

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maybe a few 'crossed wires'

 

i was meaning if the dwp turned up over the weekend and he was still doing his 'hobby' it could still be classed as 'work' and could stop benefits etc.

 

i think we are both meaning the same but in different senario :confused: if that makes sense! :cool:

 

 

idax


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maybe a few 'crossed wires'

 

i was meaning if the dwp turned up over the weekend and he was still doing his 'hobby' it could still be classed as 'work' and could stop benefits etc.

 

i think we are both meaning the same but in different senario :confused: if that makes sense! :cool:

 

 

idax

 

Yes, I think so!:)

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:D

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I am a bit surprised that the fraud section (within the DWP) jumped in so quickly, they usualy compile a dossier then call you into your local office.

 

I do understand how it must have had a dramatic effect on your brother though. I never understood depression until earlier this year.............It is a dark nasty place to be. Hard to get out of but very easy to get pulled back into.

 

The totally absurd thing is if you get incapacity benefit, you are allowed to earn up to £80 odd pounds a week and not affect your benefit.........if that isn't bizzare I don't know what is!

 

A word of warning regarding DLA. It is very very hard to get nowadays. If you glance at my bank thread you will get an idea of my health issues. I am now on my 2nd application being refused and trying to get it reconsidered. I have yet to come accross one single person who says I should not be on it, yet still they refuse.....................................If your brother does apply make him see, it takes time and they will probably refuse first time. Also it matters HOW you fill the form in. If I can offer any help at all with it if you claim let me know.

 

Hope your brother feels better soon. Tell him about the support people on here, who don't know him are giving....................might help.

 

Simon:)


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A very sad story and typical of the DWP to chase the innocent, your brother is probably identified as an easy target. Why do they chase people who they know at most would have earned a few pounds whilst they do nothing with those who have intentionally made thousands (I do know some). I realise your brother got nothing, just mentioned the above as being typical of what they would belive they were chasing.

 

Obviously your brother is unfit for work at present. He appears to have a talent for mechanics but perhaps no qualifications to assist him when he does become ready to work. At a guess he would love to work with cars. Just a suggestion, why not create a letter for him clearly stating he has received no payment, the work done, experience gained etc and get the person who would otherwise have had to pay a fortune at a garage to sign it and add their address for reference? Surely the DWP would be happy that your brother is being pro-active in getting work experience?

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Im sorry but this is the country we live in today RATS and GRASS's encouraged by all government departments. So what if you live with a girl or a boy, read some of my posts about neighbours and thw destruction they can bring you in some of posts.

 

DWP can alledge fraud anytime they want they do not need proof thats the whole idea of an allegation of fraud its not true or false, they need to obtain evidence by questioning or observation. be vigilant thats all. No comment always works its upto them to prove fraud against you. END!


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