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Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

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Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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I have been reading on a number o threads in this section about people who are struggling to make ends meet on benefits. It is not easy, I know having been on benefits since 2006.

 

There are some things that are available to you, regarding Gas and Electricity, which we all know take most of our money every week/month.

 

1. Most Electric & Gas suppliers have a social tariff, which is generally much cheaper than the standard tariffs.

 

I personally was with Extremely Dear Fuel (EDF) and on their social tariff, I have just recently switched to British Gas on their assisted tariff, which is saving me even more. You can usually find out by just giving your supplier a ring and asking, they don't always publicise their social tariffs.

 

2. If you have found yourself in debt because of hardship, you can apply to various trust funds to help with utility debt. I was £300 in debt with my electricity this time last year. I applied to the EDF Energy Trust Fund and they credited me with £550 to wipe out the debt and leave me on a solid foot for the future.

 

The debt I had with EDF was preventing me switching to a cheaper supplier, as they don't let you switch when you owe them money. A lot of the main suppliers operate these trust funds but they are not well advertised and you need to find out about them. They just about all will help with any utility debt, gas, electric, water, telephone.

 

These things are there and they will help ease your situation but you have to apply yourself, or switch your supplier or ask about social tariffs.

 

So if you are struggling, give these things a go.

 

Also if you are on benefits and have children at school between years 3 to 9, you can get a free laptop and 12 months broadband access. It is called Home Access and is there to be claimed.

 

I hope some of you who are struggling with utility debt can read this and get some help:)

  • Haha 2

:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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I have just had a look on www.energychoices.co.uk in the social tariffs section, it lists all the suppliers and their social tariffs. Eon does do a social tariff but it is only open to those customers over 60.

 

To give you and others a better ides of the savings, this is what I pay from British Gas for my Electricity (we are all electric);

Daytime Rates

First 225KW/H = 19.950p

Ramainder of day units = 9.702p

 

Night Rate (0000 - 0700) = 2.479p

 

Our water and storage heaters all charge up during the night rate.

Hope this helps.


:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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Advice Now provides free advice on a range of subjects, including benefits.

 

They have a particularly useful page on how to handle an interview under caution.

 

Additionally, they link to local organisations which may be able to offer free help.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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How about Essential ESA reads

 

The Employment and Support Allowance Regulations 2008 Just about everything ESA

The Employment and Support Allowance Regulations 2008 No. 794

 

ESA Handbook for Heath Care Proffesionals Administering Tests

http://www.cpag.org.uk/esa/mstd_esa_hbk.pdf

 

DWP Decision Makers Guides (Chapters 8 & 9 are ESA specific)

Decision Makers' Guide - DWP

 

New ESA Points System Review coming in Oct 2010

http://www.dwp.gov.uk/docs/work-capability-assessment-review-addendum.pdf

 

A-Z of medical conditions - DWP

 

Employment and Support Allowance - how to claim

http://www.direct.gov.uk/en/DisabledPeople/FinancialSupport/esa/DG_172014

 

^^^ if you scroll down the page there is a link for an "Interactive Claim Form" Very handy as you can save it to your PC & then play around with it as much as you like before completing the final one.

 

It maybe worth a mod edit to categorise and put all links into a single 1st post which following posts can suggest links add to on mod approval?

 

p.s. Sorry to create you more work but it would help :-) Alsso some of the links in previous posts are dead :eek:

Edited by speedfreek

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This is a very good link too from the Centre for social justice it contains links to some very good publications including one called Dynamic Benefits: Towards Welfare That Works.

 

This was edited by the then Rt. Hon Iain Duncan Smith MP now the work and pensions secretary.

 

The Centre for Social Justice - Publicationshttp://www.centreforsocialjustice.org.uk/client/images/swf/CSJ%20dynamic%20benefits%20pp1-151.pdf

 

http://www.centreforsocialjustice.org.uk/client/downloads/2_CSJ%20Dynamic%20Benefits_PartIIandIII.pdf

 

http://www.centreforsocialjustice.org.uk/client/downloads/3_CSJ%20Dynamic%20Benefits_AppendicesToEnd.pdf

 

http://www.centreforsocialjustice.org.uk/client/downloads/CSJ%20Dynamic%20Benefits%20exec%20WEB%20NEW.pdf

 

Enjoy the read it is quiet an eye opener of things maybe to come under this coalition government.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Loads of info on ATOS and how to deal with them:

DWP ESA Medical Examinations


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Here's a few on-line benefits calculators.

 

HB and LHA rates vary by regions known as "Broad Market Rental Areas" (BMRAs), therefore it is important that you also check on your own council's web-site's benefit calculator.

See "Check your eligibility for housing benefit" below.

Directgov: Check your eligibility for housing benefit

 

DWP and HMRC benefits and credits:

Benefits adviser service : Directgov - Do it online

 

Alternative "benefits search" c/o "Turn to us":

Benefits Search

 

The LHA-Direct website has been developed to enable tenants renting accommodation from a private landlord to calculate the possible amount of Housing Benefit available to them from their Local Authority.

https://lha-direct.voa.gov.uk/Secure/Default.aspx

Still waiting for your blank ESA50 form to arrive? they can be downloaded from the web, however don't be too hasty to send it off - I say this because ESA is biased to fail claimants and shove them onto JSA, it's a cost saving exercise pretending to be something to help and support us.

 

Please read this thread before you fill in the ESA50:

How important is the ESA50 & supporting evidence?

 

There are also some helpful fact-sheets here c/o Disability Alliance:

 

Edited by loan_ranger
improved links

I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] by Joa, great advice and links! I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.

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Welcome - www.energysavingplug.co.uk

 

CAG has altered the link check it extra space in .co.uk remove

 

 

Claim Your Free Plug Using Code: DIR0004004

 

 

Switching off your electrical items just got easier with the LIME energy saving plug. This intelligent plug provides total shutdown in one easy click via your remote control

 

(useful for those of us unable to reach plugs and sockets!).

 

To claim your FREE LIME energy saving plug someone in your household needs to be aged 70 or over

Or if you are under 70 but you or someone in your household receive one of the following benefits you are eligible to claim a free plug:

 

* Attendance Allowance

* Council Tax Benefit

* Child Tax Credit (with an annual household income of no more than £16,040)

* Disability Living Allowance

* Disablement pension (must also be in receipt of Constant Attendance Allowance)

* Housing Benefit

* Income Support

* Income-based Job Seekers Allowance

* State Pension Credit

* War Disablement Pension (must also be in receipt of Mobility Support or Constant Attendance Allowance)

* Working Tax Credit (with an annual household income of no more than £16,040)

* Income-related employment and support allowance.

 

Claim Your Free Plug Using Code: DIR0004004

 

only One Plug Per Household

  • Haha 1

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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This is their entry on the Information Commissioner`s Office register.

 

 

Registration Number: Z6148679

Date Registered: 07 December 2001 Registration Expires: 06 December 2010

 

Data Controller: ATOS ORIGIN IT SERVICES UK LIMITED

 

Address:

NO 4 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3HG

Other Names:

SCHLUMBERGERSEMA

BR BUSINESS SYSTEMS

SEMA UK LIMITED

ATOS ORIGIN MEDICAL SERVICES

ATOS HEALTHCARE


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Not sure if this has been posted before, but if your claim involves back pain, these docs may be used for reference, being a report by the Faculty of Occupational Medicine (Royal College of Surgeons) on back pain, and prospects of returning to work etc.

Elsa x

backs3.pdf

backs2.pdf

backs1.pdf


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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excellent link thanks - struggling with a dla problem currenlty - I have been advised that once you have requested a decsion 'be looked at again' you basically have time after that new decison to appeal?


'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Freedom of Information Requests to DWP

 

The Freedom of Information Act (2000) is a useful way to get information from the DWP. You can make requests online using the WhatDoTheyKnow website:

 

http://www.whatdotheyknow.com/body/dwp

 

So far there are more than 600 requests to the DWP on the site, together with the answers from the DWP. If you want to make a request, read the Help pages first:

 

http://www.whatdotheyknow.com/help/about

 

It's worth browsing this site to see the kind of FOI requests that have been made (some eccentric and some provocative). The DWP does not charge but will refuse requests that would cost them too much time to comply with.

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Handy link.

Did you also post this in benefits forum ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have before Martin - I created a post on it last week.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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http://www.whatdotheyknow.com/request/54879/response/141923/attach/3/LCWRA%20Administration%20Guide%20V3Final.doc

 

Apparently it's the

 

Atos Healthcare

 

Limited Capability for Work Related Activity (LCWRA) Administration Guide

 

MED-LCWRAAG01

 

Version: 3(Final)

11 October 2010

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3087 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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