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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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Advice with Depression/Carers allowance issues.


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Hi there,

 

My Other half has severe depression, she has been signed off work since January, and if steadily falling further and further behind at college.

 

She is not getting any better, and all I see is her getting worse with no help from doctors. She seems almost unable to function without me being around.

 

Today for example she goes to college and I have to come pick her up from the bus stop down the road as she is sitting there crying and shaking(and its not the first time).

 

I need advice on how to get her better help, and if I can claim any kind of carers allowance to look after her full time, as I am probably going to lose my Job if I have to keep taking time off to look after her.

 

Thanks in advance, and please feel free to move this to a more appropriate area if there is one.

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In order for you to receive Carers Allowance for caring for her, you would need to be providing 35 hours or more of care per week to her and she would need to be receiving either the middle rate or higher rate care component of Disability Living Allowance. If you earnt more than £100.00 per week, Carers Allowance would not be paid in those weeks.

 

There is more on Carers Allowance here

If she requires assistance with caring for herself - sounds like she does if she is unable to function without you there - she should apply for disability living allowance. This is unaffected by any household income.

 

Has your other half been referred to anyone by her GP for treatment, such as a counsellor, psychologist or psychiatrist? If not, it may be worthwhile requesting a referral or going to another GP for referral if her family doctor is unhelpful.

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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Hi Captain,

sometimes it pays to be insistent with the Doctor regarding access to a consultant psychiatrist, your OH's depression sounds like she's experiencing a "living hell". Medication such as fluoxetine hydrochloride (i.e. "Prozac") help to alleviate the "clinical depression" after the couple of weeks it takes for the benefit to "Kick-in", however this needs to be supported with either a "talking therapy", a good self-help book, or both.

I'd like to recommend to you a couple of books which helped me: "Families and How to Survive Them" co-authored by the psychiatrist and psychotherapist Robin Skynner and the comedian John Cleese. My NHS 'shrink' told me of this book and I was able to get it from the public library. There's also the sequel "Life, and How to Survive it".

 

Best regards and good luck,

Paul.

 

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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Well, she has an appointment with a healthcare Mental Worker person(I forget the exact name).

 

However, I have not been to work in a week and a half as I am providing 24/7 care to her(she can't be left alone). We have applied for DLA, and once she has it I will apply for CA, however what can i do for money in the meantime. I am going to ask work for an extended leave of abscence so I don't lose my Job, but what benefit is applicable in this situation? The jobcentre itself was quite unhelpful.

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It is difficult to say whether there is anything you could get benefit wise at the moment. As a student it's possible she could claim contributory based ESA if she has paid in enough class 1 NI contributions in the qualifying years. She would not get income related ESA unless she was a part time student or receiving DLA, and may also be turned down for income related because of your income from employment or savings/capital - it's a minefield.

 

It's possible you could claim Income Support as a carer (for up to 6 months) whilst awaiting the DLA decision, but I don't know how they would decide entitlement as you are in employment, and she is a student, possibly with a student income. If your leave of absence would be unpaid then it may be possible.

 

There are two benefit calculators here and here which may or may not be helpful. Enter your figures and situations and it will do a calculation for you. I'm going to ask an Income Support expert to look in on this thread for you, but he might need some more information from you to give a comprehensive answer.

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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Hi Captain,

 

 

In your opening post you stated that your partner is off sick from work, is she in receipt of Statutory Sick Pay, or is she not entitled to receive it because maybe she works part time.

 

If she is in receipt of it then she can claim Income Support for herself and you, if you decided to take unpaid leave from your job to care for your wife and you can get a letter from your employer to confirm this.

 

If she has finished work with her employer then the above option is not available to you but there is another option.

 

Has Erika has stated you can Claim Income Support yourself, your condition of entitlement would be as a carer, I.S can be paid on these grounds untill Carers Allowance has been awarded, Of course your claim would be for yourself and your partner

Again you would need the letter from your employer stating you are taking unpaid leave.

Even though you can work and claim Carers Allowance, I.S is a means tested benefit and if you returned to work even part time it would effect your claim.

 

To claim Income Support as well depends of course on what income you may having coming into your house, as Erika mentioned if she has a student loan this will effect your claim, and if you receive working tax credits, this will as well.

 

If your claim is successful and DLA is awarded this will give you extra benefit in the form of premiums, also DLA is not counted as an Income for I.S, C.A is but you get an extra premium as well for that.

 

So sorry things are hard for you at the moment but it may be worth trying to claim Income Support if you dont have capital over sixteen thousand.

 

Sorry the jobcentre was unhelpful,

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Thank you Mikey.

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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we were in a very similar position, i had to give up work immediately to look after her, we claimed income related esa (joint) and was granted, claimed housing and council tax benefit which was granted, got DLA middle rate care and low rate mobility (eventually)

I was told that if ESA claim failed we could just jump straight onto income support, but can't vouch for that as didn't need to.

so whilst all is now sorted, it did take months of phone calls, evidence gathering and heart ache, so the very best of luck to you

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  • 3 weeks later...

I would definately demand a psychiatric evaluation, if your partner feels she can do it.

you'll be able to go in with your partner, but is best to just sit quiet and let your partner get it all out, by all means if your partner looks for your input do help.

Your partner should also ask to be put on list for therapy corresponding to illness involved.

As far as medication goes be wary and ask as many question about it as possible, like, what type, how it works, side effects ect, some Dr's are to quick hand meds out, though there is an element of trial and error involved.

Any questions, please do ask.

best regards.

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