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    • Ah but if I didn’t pay PRA group could they default me?
    • We have a damp problem in a party wall in a Victorian terrace.  Both I and my neighbour have single storey extensions at the back (actually the front, but the back as originally built...) with roof terrace / patio area above, and a brick wall dividing the two terraces. This is standard in the road. (They also have a small conservatory joined to the first floor over part of their roof terrace) Some years ago we noticed that the internal party wall below the terrace was showing some signs of damp. We asked the neighbours if they had noticed a similar issue but they refused to engage with us. We hoped it was a condensation issue, and it was only occasional.  Over the years the dampness has got more frequent, and a couple of years ago we had our terrace completely redone, with the old flooring removed, new felting put down, new lead flashing, and decking on top. I stripped the wall below back to plaster and re-papered and painted. Last year the damp returned, but much more noticeably. We use a dehumidifier and can "extract" a couple of pints of water from the downstairs hallway sometimes - regardless of weather. There is black mould at the top of the wall, and it's clear the damp is coming top-down. I've lifted all our decking, put sealant along all felt joints, and silicone sealer between the lead flashing and brickwork that forms the dividing wall between terraces.  Since then there've been occasions when there has been surface water running down the wall, even when it's not rained.  We're pretty certain it's when the neighbour waters plants on the terrace.  The neighbours still won't engage, but we have persistent black mould, the paper is peeling off and the wall is wet from the top.  To check it's not our roof, at times when the wall has been dry I've thrown buckets of water at our side of the dividing wall on the terrace (and this obviously drains down onto the felting below the decking). The downstairs interior wall is unaffected by this - confirming the problem is coming from the neighbour's side. So what to do? Is this something we should be referring to our insurers? If the neighbours fail to fix the root cause (which is presumably perished roofing under their conservatory, or blocked drainage etc), is there anything we can do to stop it affecting us?  The internal wall is structural so I'm not really sure how a builder would approach the problem without access from the neighbour's side too.  We're planning on selling within the next 2 - 3 years but in its present state it's hard to see how someone would take it on, at least without a big price drop.  Any suggestions very welcome! 
    • defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday   NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.
    • Yes if defaulted but my non defaulted ones sit there
    • but thats how long it will show from settlement payment on your file if you make one or  if you leave as is..same result but far cheaper....   dx  
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
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      Thanks for reading 
      • 16 replies
wishface

Benefit discussion forums

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3678 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.

Thank you

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Are there any other places for people to discuss things like ESA/medicals/JSA etc?

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Sometimes there are posts about it on the BBC's Ouch! forum, or if there is a charity that looks after your particular problem, they may have something. Don't you like us any more? :(

 

HB


Illegitimi non carborundum

 

 

 

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Are there any other places for people to discuss things like ESA/medicals/JSA etc?

 

 

 

 

 

 

 

 

 

 

You can't get better than cag, stick with it..:cool:

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i have been reprimanded on CAG for every crime "hijacking", slander, bad language , threads removed, posts removed you name it. However this is the best and most helpful website in the uk and every reprimand was on retrospect my own fault.. I think even the experienced Caggers would admit a few of the enemy cruise these pages and try to muddy the waters, however anyone with half a nose can smell them a mile off.

 

Keep up the good work CAG

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I don't dislike this site at all, but I posted a question that didn't get answerd so maybe there's a more appropriate site elsewhere. It's not as if there's enough support for people out of work/with disabilities on the net anyway. There's nowhere near enogh of a presence challenging our appalling state system.

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I don't dislike this site at all, but I posted a question that didn't get answerd so maybe there's a more appropriate site elsewhere. It's not as if there's enough support for people out of work/with disabilities on the net anyway. There's nowhere near enogh of a presence challenging our appalling state system.

 

 

 

 

 

 

 

 

 

There may be othersites, and perhaps your question has'nt been answered yet because people that have replied are quite content with cag.

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penalty charges forum

and

money saving expert

 

are both also good consumer forums hope this helps

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I'm on the MSE forum; it's a right wing nightmare. I've never seen anything like it.

 

I don't mind if people choose not to answer a question I ask as that's there choice. Obviously I wouldn't post if I didn't want an answer at all. But if there's a more appropriate site for that quesiton then that's even better.

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i just realised your previous posting has had no replies this happens sometimes i have tried to bump it up.ie previous thread sorry

Edited by micko19
mistake

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slight cross purposes going on here wishface has started a previous thread which has been overlooked i just bumped it ok

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i just realised your previous posting has had no replies this happens sometimes i have tried to bump it up.ie previous thread sorry

Thanks. I'm not here to compel people to respond or complain if they don't. I just need to find a more appropriate place to get those answers if this isn't it.

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I'm on the MSE forum; it's a right wing nightmare. I've never seen anything like it.

 

I don't mind if people choose not to answer a question I ask as that's there choice. Obviously I wouldn't post if I didn't want an answer at all. But if there's a more appropriate site for that quesiton then that's even better.

 

MSE forums are touch and go and there are some very very sad individuals who have a chronic dose of Napoleon syndrome. It's weird tbf & I only hang round on there to put right some of the myths and untruths being perpetrated.

 

As for complaining that a post hasn't been answered on here? This is a free board and although membership is growing it is still dependant on a specific person with knowledge being here at the right time. It is unrealistic & unreasonable to expect an immediate answer all of the time.

 

Even our wise, mythical, omnipotent guru and board guide ErikaPNP probably has to stop for a cuppa once in a while ;)

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My opinion on MSE: I like MSE but I can't stand the benefits forum, there are too many critics on there. I can understand the critique clique storming a thread when it's obvious that the author is seeking a way around the system to commit fraud - CAG doesn't condone fraud either (particularly where we see so many people on here wrongly denied benefit) but there are so many genuine queries on there too which people are far too quick to judge on. An innocent question asked by a person having difficulty navigating the system is often met with complete scorn where there is absolutely no need for it. It's like a pack of wild dogs waiting to go in for the kill. Sadly, many of the benefits forums I have come across are similar, or have a "them and us" base between claimants and staff. CAG is different in that DWP employees on here are actually very helpful to claimants, and the claimants appreciate it.

 

In regard to "cagbot" it might interest you all to know that even Site Team are not exempt from the wrath. I get posts edited, moved and removed too if I'm a baddie! (I ought to know better though!)

 

Some posts here are unanswered simply because nobody knows the answer, or because the person who does know the answer isn't around at the time. Nobody is paid here (not site team either) we are all here on a vountary basis, and as such aren't available at all times. I work full time and am studying part time. In addition to this, I am a single parent and one of my children is disabled and needs daily therapy from me, so I can't be here all hours of the day which means I don't get the chance to answer as many questions as I'd like to. A lot of people who come here also have (particularly for ESA and DLA queries) debilitating conditions which mean that they have the experience of the system and can answer a lot of queries but it also means that they are unable to sit at a computer all day everyday and so questions often drop down the page and go unanswered.

 

What people tend to do is that if they haven't received a response within a certain length of time, they post the word "bump" on their thread which brings it back up to the top of the forum, giving those who have been offline when it was posted a chance to answer it.


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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In fairness, wishface, the question you have asked in your other thread is a very common question that frequently crops up on this forum. Simply reading around the forum will give you more than enough information to fulfill your wildest dreams ... :)

Best wishes

Rae

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Re: MSE, I so agree about the "dog pack" and "Napoleon syndrome" prevalent there. I'm a refugee from MSE who won't ever go back.

Regards,

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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There's always the new "rippedoffby gov" site.

 

Ripped off by gov.org.uk

 

dj


Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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I think even the experienced Caggers would admit a few of the enemy cruise these pages and try to muddy the waters, however anyone with half a nose can smell them a mile off.

 

Keep up the good work CAG

 

I used to work for JCP, and posted here when I did. Am I "the enemy"?

 

I mean, I guess, at a push, I'd accept "a faceless automaton", because I couldn't think for myself and did nothing but push the official line, but "the enemy"? Really?


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Antone

 

I used to work for JCP, and posted here when I did. Am I "the enemy"?

 

I mean, I guess, at a push, I'd accept "a faceless automaton", because I couldn't think for myself and did nothing but push the official line, but "the enemy"? Really?

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

  • Haha 1

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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And he helped. :)

Best wishes

Rae

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MSE forums are touch and go and there are some very very sad individuals who have a chronic dose of Napoleon syndrome. It's weird tbf & I only hang round on there to put right some of the myths and untruths being perpetrated.

 

As for complaining that a post hasn't been answered on here? This is a free board and although membership is growing it is still dependant on a specific person with knowledge being here at the right time. It is unrealistic & unreasonable to expect an immediate answer all of the time.

 

Even our wise, mythical, omnipotent guru and board guide ErikaPNP probably has to stop for a cuppa once in a while ;)

 

I wasn't complaining. I made that clear. I'm not going to repeat the point; I was asking a perfectly reasonable question as to whether there are any other forums that discuss these issues that might be better suited to my question. I'm not complaining that people aren't answering my question at all; I was trying to find somewhere more suitable in lieu of answers here.

 

My opinion on MSE: I like MSE but I can't stand the benefits forum, there are too many critics on there. I can understand the critique clique storming a thread when it's obvious that the author is seeking a way around the system to commit fraud - CAG doesn't condone fraud either (particularly where we see so many people on here wrongly denied benefit) but there are so many genuine queries on there too which people are far too quick to judge on. An innocent question asked by a person having difficulty navigating the system is often met with complete scorn where there is absolutely no need for it. It's like a pack of wild dogs waiting to go in for the kill. Sadly, many of the benefits forums I have come across are similar, or have a "them and us" base between claimants and staff. CAG is different in that DWP employees on here are actually very helpful to claimants, and the claimants appreciate it.

 

In regard to "cagbot" it might interest you all to know that even Site Team are not exempt from the wrath. I get posts edited, moved and removed too if I'm a baddie! (I ought to know better though!)

 

Some posts here are unanswered simply because nobody knows the answer, or because the person who does know the answer isn't around at the time. Nobody is paid here (not site team either) we are all here on a vountary basis, and as such aren't available at all times. I work full time and am studying part time. In addition to this, I am a single parent and one of my children is disabled and needs daily therapy from me, so I can't be here all hours of the day which means I don't get the chance to answer as many questions as I'd like to. A lot of people who come here also have (particularly for ESA and DLA queries) debilitating conditions which mean that they have the experience of the system and can answer a lot of queries but it also means that they are unable to sit at a computer all day everyday and so questions often drop down the page and go unanswered.

 

What people tend to do is that if they haven't received a response within a certain length of time, they post the word "bump" on their thread which brings it back up to the top of the forum, giving those who have been offline when it was posted a chance to answer it.

 

Given some of the appalling comments i've seen on that site I'm very surprised at the lack of moderation as it doesn't portray Martin Lewis in a very positive light. It's also far too visually dense! There's so much on every page on screen!

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Antone

 

 

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

 

Here is the question.

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Hi wishface

 

loneranger. kelcou, honeybee13 and ErikaPNP are a prime quartet for advising to your post.

 

:)

 

dk


:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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I thought I had but clearly I missed something... :(

Best wishes

Rae

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Antone

 

 

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

 

Well, you know, if things start from the assumption that I am "the enemy" and I am required to prove otherwise, is it really all that surprising that DWP staff get sick of trying to help people on messageboards?


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Here is the question.

 

Your question was correctly answered by others, and I saw no reason add anything to what they had said.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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