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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
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What Made You Want To Swear Today?


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Love it gezwee.......now mopping tea out of the work computer!

Brilliant piece of writting.

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Oh that tickled me! loved the bit about covert skills of the community police officer....will have to remember that one!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Going to visit a mate last night for a few glasses of wine and falling down her concrete steps and dislocating my knee. Am now in a full leg cast until I see the consultant on Friday. Having difficulty with the crutches and stairs :(

 

The air is blue here at the mo...lol

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babybear - oh no, hope you're sorted for oxford ....

Why? She's gonna be legless anyway! :lol:

 

BB... new avatar for you?

bear-crutch.jpg

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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Going to visit a mate last night for a few glasses of wine and falling down her concrete steps and dislocating my knee. Am now in a full leg cast until I see the consultant on Friday. Having difficulty with the crutches and stairs :(

 

The air is blue here at the mo...lol

 

No sympathy at all...You should have shared the wine with me first! I'll sign your cast though.

Get better soon and look forward to seeing you again. Kaz xx

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I am in shock and anger ..........this cannot be the end ........

 

:-x:-x:-x:-x:-x:-x:-x

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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What made me swear today???

 

Guess:-x

 

Did you stub your toe...:confused::p

 

Or could it be the obvious incestuous relationship between the Law Lords and the Wan oops sorry Bankers.... keep it in the family... money goes to money... :rolleyes:

 

Only to be expected of this one sided country...:-|

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Did you stub your toe...:confused::p

 

Or could it be the obvious incestuous relationship between the Law Lords and the Wan oops sorry Bankers.... keep it in the family... money goes to money... :rolleyes:

 

Only to be expected of this one sided country...:-|

 

 

I am in shock and just don't know what to say.:oops:

 

My claim is for just over 4,000 suppose I will have to wait a bit longer for it.

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:mad::mad::mad::mad:

 

Blasted banks. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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FFS cant the law lords make a GOOD decision for a change?

 

If Gordan wants to be in goverment this time next year he better hurry up and make a law about bank charges.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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FFS cant the law lords make a GOOD decision for a change?

 

If Gordan wants to be in government this time next year he better hurry up and make a law about bank charges.

 

I think its a brilliant decision, test case dead in the water :D bye bye OFT and I'm back in court to argue my own case :D.

 

The banks won? against the OFT yes but the Law Lords have left a mighty big hole in their battleship.

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this is section 81 from yesterday's judgement and goes to show just how out of touch with the world the Judges are:mad::mad:

 

I do not imagine that there are many customers who run a

current account that is permanently overdrawn in circumstances where they have not

specifically agreed an overdraft facility. Most customers who incur Relevant Charges run current accounts that are in credit most of the time.

 

come and live in my house, pal!!

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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EXPECTED WATER BILL CHANGES

 

Average prices between 2009-10 and 2014-15

 

Company Avge bill 2009-10 Avge bill 2014-15 % change excluding inflation Water and sewerage companies Anglian Water £389 £361 -7% Dwr Cymru/ Welsh Water £404 £374 -7% Northumbrian £314 £331 6% Severn Trent £305 £292 -4% South West £489 £483 -1% Southern £373 £393 5% Thames £303 £313 3% United Utilities £374 £364 -3% Wessex £412 £424 3% Yorkshire £331 £332 0%

what shall I spend the saving of 1.6p a day on??:mad:

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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