Jump to content


  • Tweets

  • Posts

    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

I am so confused


loopinlouie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5097 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i think its a bit of a grey area at the moment while they decide whats happening

 

I think you will stay on I.S. for the the moment, your tax credits will go through and they will pay for your children

dont worry they will not leave you with no money

and he will ring you back

If your not happy with everything he says tell him !!

Edited by Jack Daniels
Link to post
Share on other sites

  • Replies 130
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

its been decided there has been a rethink on I.S to ESA for lone parents

 

Many have been found to be worse off and there has been a back lash

from Welfare rights etc

 

Hang in there and see what happens

New legislation is being pushed through

but at the moment all claims are being looked at again

Link to post
Share on other sites

Thanks for the information:).

 

I will hold on, just that I feel a little vulnerable in that sent off doctors certificate and dont know what they will put me in for. They have already apparantly put kids in for tax credits. It just seems confusing to have all these different benefits, not paying on same days, but I will hold on and see what happens. Just confusing, but it doesnt take much for me to be confused anyhow:) Thanks again.

Link to post
Share on other sites

Must say on they income support moved quickly this time. Just received benefit letter dated couple of days ago with an award post dated to may, bit confusing.

 

It also lists change mentioned may and states award and then new change mentioned august (probably via job centre advisor) after what I told him, and the same ammount awarded as in may on same letter.

 

Now I expected the ammounts of income support to drop less the 20.00 as said by advisor. Just shocked it took them so long and I was happily spending as advised by them in the meantime.

 

Now because Ive been getting money since nov and this letter mentions may I know to receive something further soon, as in over payments, so to be prepared. I want to if this arrives fight it though on grounds of being misadvised and having recording of so.

 

I mean when the advisor kept saying changes need to be reported and I said I did do that, I cant help but note also in july last year my son got a paper round, I rang income support/dwp about that also and emailed them. Was told he could keep his money, now he only lasted 8 months at it, but whats the chances of someone in july last year reporting about and increase of 12.00 paper round money, not reporting over 500.00 in nov. I hope they bare that in mind.

 

I hope they are not intimidating if they do take it further, because I am not very strong at the moment.

 

Though I also noticed the higher rate disability premium applied for by welfare rights and told by dwp I am getting is not listed on form. Just normal disability premium if that makes sence. Welfare rights were annoyed income support never gave any reply to that in writing also, so we'll see how it goes:)

 

As I said I am easily confused, just wish the dwp didnt keep changing methods of payments if their own staff get confused when giving info. But I do appreciate help getting now so no dissing them from me, just info of nov and feb.

Edited by loopinlouie
Link to post
Share on other sites

Well just a little update. I sent the doctors note and havnt had the contact from him at dwp to let me know what the 'backtrack' was regarding people in my situation, anyone heared anything?.

 

Noticed money appeared in my account last night in two payments yet had no letter since that informing me my income support was obviously decreased my 'new' update (getting a little annoyed now at gravity of their error and what it could mean to kids and me) to be fair it could be a bank error, so I will not touch it and wait a week for letter to arrive and if not my bank statement will have come which will say where it has come from.

 

In which case if its tax credits etc I can inform income support appropriately. Bit hard informing them for what I dont know it is. Just as said noticed more money in account than should be, bit like what happened originally with the csa money. I know what happened when I rang them up last time, so dont want to risk it again untill I have all the facts.

 

Its just so odd as income support paid two weeks in arrears and went in, this new ammount would have to be weekly in advance to make sence and is an odd ammount any how, at least I know to leave it alone.:)

Link to post
Share on other sites

its been decided there has been a rethink on I.S to ESA for lone parents

 

Many have been found to be worse off and there has been a back lash

from Welfare rights etc

 

Hang in there and see what happens

New legislation is being pushed through

but at the moment all claims are being looked at again

user_offline.gifreputation.gif report.gif

Hi JackDaniels.

You mentioned that all IS LP to ESA claims are being looked at again and that new legislation is being pushed through? Can you tell us where you got this info. I have to admit we have not heard anything about this at all and I was just curious as to where you heard this?

Thanks,

Sue

  • Haha 1
Link to post
Share on other sites

Thanks sandysue.

 

I just hope if this backtrack is decided on then they put me back in the position I was before. Of course I understand now about the csa error, so will get less, but I am stressed at the esa need of going out of county for assessments and all that. Apparantly my nearest point would be over 20/30miles away and the idea of going out on my own is horrendous.

 

Been to see mind for counselling appointments as advised by doctor, Ive apparantly according to them been passed from pillar to post and it does feel like it. I am under the hospital for medication yet to get counselling from mind now and they want money from me weekly for it. I should surely be getting this counselling from the hospital, I just pick up the are too busy and know I cant justify the money to mind. They have said if I cant afford it to still go but I definately felt under pressure from them to give money, I saw the look on their faces when I said I was insecure money wise at the moment so couldnt promise anything.

 

I have mental health problems they say I will need more than the six appointments, so comparing that to my kids new school shoes is putting me off a little, especially at the moment.

Link to post
Share on other sites

hi Sandy Sue

it was an email that was sent everybody who deals with the lone parent obligations scans and loans

basically all the cases on what they call scan one, the first batch of lone parents going over to ESA are having to be reviewed

 

there was not the correct legislation in place to make the claimants have to go on to ESA. so at the moment its not being pushed.

it was found out that some people were actually worse off , i think they dont get the DP on esa straight away

 

But I think it will be sorted in the end and the correct legislation will be drafted up so that this will not happen on scan two if possible but who knows.

 

they still havent had the final word whats happening yet but will post when I know more.

 

I think it sounds like tax credits have been awarded to the OP and they should download on to her claim but just in case they dont then I.S needs a call to tell them

 

good luck Lou

Edited by Jack Daniels
Link to post
Share on other sites

Somethings deffinately gone in my account and I have still had no letter. The ammount wouldnt be right for disability premium any how and wonder is tax credits paid weekly or fornightly?

 

Will give it to thursday, thats one week and then will ring for advice if not heared or will end up getting overpaid again I suspect. Does tax credits send letters?

 

Tnanks

Link to post
Share on other sites

Thanks Mikey. csa later said they are linked to income support, but previously said they were not and a private company, thought that was odd, when i queried how the money was comming to me and then I rang income support flustered but clear on dates and ammounts, so yes seriously wrong.

 

I wonder if I am the only one experienced with this type of error. I am sure income support would not want this error to happen to too many. Previously income support took all the money and csa later told me they were supposed to be giving me 10.00 of it and then 20.00, thats why after these letter I said to income support a further two times are you sure its mine to spend and was told yes, thats three advisors and thank god for once I had thought to record for computer record, a sort of diary for my crappy memory. At first I remember thinking maybe its lots of weeks of 10's as ex had been paying for years and years. When recei ved csa update in feb rang income support again and was told they were aware I was ringing with same question and thats when they said as it was paid via csa it was mine.

 

Just troubling no note of this on system was available to job centre advisor and set me into a panic of honestly sir, I did do it.

 

Though I although they have all been polite am starting to let my mental health take over and going through conspiracy theories and dreams of people wanting to get me into trouble. I know.

Link to post
Share on other sites

tax credits can be paid weekly or monthly

have you one child

 

if you have one child then

 

has two seperate payments gone in

a larger sum and one about fifty six pounds

 

if it has it could be tax credits

 

tax credits do send letter but they can arrive after payment sometimes

Edited by Jack Daniels
Link to post
Share on other sites

Sounds about right, one was for about 90.00 the other about 50.00 I would need to check to get correct ammounts, I just decided not to touch it as had been paid for two weeks income support in arrears, so was ok with money for a week or two. I do have two children.

 

To be fair if it is have to credit them for being so prompt, just wonder what happens about me and disability premium, do i stay on incme support, if so I should get another letter from income support also I assume.

 

Will ring them next thursday if had no letter, no other from income support due for just under two weeks, so will make sure they dont overpay me.

Link to post
Share on other sites

i think you will stay on Income Support for now,

and you should still get your disabilty premium

 

i think the money in your account could be tax credits

 

its hard at the moment but you are doing brilliant,

it will work out in the end for you

  • Haha 1
Link to post
Share on other sites

This means that if an existing lone parent, whose youngest child is aged 12 or over, also has a disability or health condition and is incapable of work, they continue to meet the conditions of entitlement for IS. No longer can we direct them to claim ESA consistent with the original policy intent.

 

this comes into force from today and effects everyone who has gone across from IS to ESA already

Link to post
Share on other sites

Thanks for advice again:D.

 

If they have put me on esa, no letters yet either way will he automatically put me back on income support or will I need to ask.

 

Reading your post again I assume the answer to my own question is I wont have to ask, just me trying to find something to panic about again. You wouldnt believe whats been going on lately Ive been a wreck comming accross a total idiot to everyone.

Edited by loopinlouie
me off topic again
Link to post
Share on other sites

Right as said last week two payments went in one for just over 97.00 and one for just over 55.00.

 

I cancelled my dd because not received letter still:( and will need to change dates, so checked account today and just over 97.00 in one payment gone in.

 

I know it was said that tax credits comes in usually two payments, but today there is only one. I though maybe the other will arrive tommorow as last time I got them on a thursday, just getting more confused.

 

I know to ring income support before they get the chance to pay any money to me, but I am still awaiting a letter of some sort to tell me ammounts and dates. If two payments would have gone in today I would have rung them straight away but now will wait till tommorow.

 

Question: When I ring them will income support be able to liase with tax credits to let me know how much I should be getting and when. I still dont know whats happening to income support for me, so I need this letter. Forgive me for feeling nervous in needing to ring them before I get a letter, I just need to know that what they say will be fact.

 

Dont get me wrong I am sure a lot of bods in income support know their jobs inside out, just Ive had a run of bad luck so far and to be fair its not as if Ive been left with no money as happens to others, just need to calm down over this:) and will when know what I am doing, thanks. To be fair on them must be hard when the rules keep changing so often so I can forgive myself now for fussing so.

Link to post
Share on other sites

tax credits are paid once a week and the £97 should be for two childrem so you can ring IS and they will confirm this for you. they can check the tax credits screens and tell you what day to expect the money

 

Last week you got two payments because when a new claim to tax credits is made you usually get two payments made at the start of a the claim to cover odd days , now you should get the £97 every week.

 

Do you know what rate of DLA you are on

Edited by Jack Daniels
Link to post
Share on other sites

got some good news for you !

 

get in touch with your local Jobcentre, you will not have to go on to ESA ,

 

you can stay on Income Support, as you can make a claim for Incapacity Benefit under the new rules, you should be automatically accepted for it,

get a med cert as soon as you can and get in touch with your lone parent

advisor who will explain to you what you have to do

 

its for lone parents with DLA who were beng made to go over to ESA from IS

 

this means you can stay on IS even when you children go over sixteen

 

this may change so get it done straight away

Link to post
Share on other sites

Great news thanks. I will ring income support tommorow about tax credits, bring the subject up with them and then ring dwp advisor to ask him what he wants me to do as I need to make sure they do not still put me on esa . I have already been asked by him two weeks ago to send him a doctors note, I did and that ran for 4weeks so hopefully he wont need another.

 

I am hoping they have left me on income support as in next wednesday as usually would get two weeks money for me and kids, I would be paid the me bit still.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...