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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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    • 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
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Severe Disability Premium...Help please


Mackydees
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Mackydees

 

The good thing is you have applied for SDP and soon you will be getting it on the top of you your Incapacity Benefit (in shape of income support).

 

Now the backdating: I am afraid you won't be able to get it from Feb 2009. The maximun backdating you can ask for is 3 months but for that you will be asked to show a good cause why you were not able to apply for SDP in the first place. Below are some of the reasons which DWP may consider as one of the 'good reasons' and award you 3 month backdating:

 

1. you were given wrong/incomplete info or advice by DWP officer.

2. You were given wrong/incomplete info or advice by Welfare Rights/CAB/solicitor/professional advisor

3. You were given written info by your employer (or previous employer) about your income or by you bank about your saving and capital which made you think your claim wont be accepted.

4. Due to bad weather

5. Due to sickness or disability

6. learning diffculty or language problem

7. you were caring for disabled

8. domestic emergency which has affected you.

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Dear Macky

 

Sorry I came up with less optimistic answer. In Mr. M's case he made the claim for original benefit (income Support) in April 2005. In his case he was entitled to the full backdating because he did make a claim for 'original benefit' in the first place. If you were (and still are) getting IB and you never made a claim for Income support (on the top of your IB) in Feb 2009 then the backdating will be considered only for the max of 3 months time.

 

The thing is DWP should have advised you to apply for SDA when you were awarded middle rate care and you satified the other SPD conditions. (I know I know now my fellow forum memebers would say TELLING PEOPLE WHAT TO CLAIM ISN'T DWP JOB - well I disagree: my own opinion though).

 

 

A person may be entitled to premiums of income support which depend on decisions about the orginal passport benefit (income support). For example, A person should be advised to claim the original benefit even if s/he needs the premium included in her/his applicable amount in order for this to exceed her/his income. If the passport benefit is subsequently awarded, the claimant should ask for any award of the premiums to be reconsidered. S/he can receive arrears back to the date when s/he claimed the original benefit or the date on which her/his passport benefit award began, whichever is later.

If there is no existing award of the original benefit, the client should make a second claim within three months of the passport benefit decision, and this can be backdated.

Edited by adamrao
tyyyppooooo

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Mackydee - you can certainly try but I am afraid I don't see any happy ending to this as they would say 'Your were not on income support prior to your DLA award'. Have you thought about speaking to your MP (:) I know from now on you won't take my words seriously:p).

 

All the best. By the way don't go anywhere there'll be more people coming with more useful info.

 

Adam

Edited by adamrao

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Yes loopinlouie your case is different because you were already on income support. Unfortunately it's not fair when the only income of household is Incapacity benefit.

 

Million dollar advice 'Always worth a visit to Welfare Rights'.

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I agree with you, ask for backdating and keep telling everyone you know who may be in a similar posistion.

 

Can't afford to disagree:)

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