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    • do need someone to help with regards to money. I can’t be trusted with it. My partner trusted me with his credit card for emergencies and I maxed it out behind his back and he now has to pay it back. The allowance he gives me he thinks I only have and that I live on that. He has no idea about my debts as I hide the letters, eVen when a bailiff turned up and his dad had to pay it.  I’m so scared. I actual can’t cope, I’m such a drain on my family.    Do I ring them on Monday and just admit everything? Or do I wait for the interview? do I just be honest and say this is the date I moved in, all bills etc are in his name. Then what happens? They send me court? 
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • We wouldn’t be entitled to any tax credits as my partner earns too much 😩
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • I got a quote from a builder to erect a basic timber leanto on the back of my property, and do some remedial work to an already existing brick shed. The area for the leanto already had decking but this was rotting so was to be removed.  The builder is a part time firman, and is a near neighbour of my daughter, and semed a friendly enough person.  When he came to view the job in May 20, I explained I was not looking to start the works until begining of August 20, so I could comfortabley get the funds together.  He mentioned he would be free to start on 1st July 20 as had no work booked in for that period.  I explained that I am disabled with a variety of consitions included limited mobility. I run a business from home from my loft office and wanted the leanto so I could have a dedicated space downstairs to work from hen needed. He sent me a quote via email. The quote was in a Ltd company name, but had no address on it and had a start date of 1st July 20.  I agreed in the end to this start date as he said he was free. Total quoted for all works was £10,720 with a deposit of £4390 to be paid immediately for materials to start on 01/07/20.  He sent me some pictures of garden rooms he had recently completed, and I liked the idea of having UPVC cladding for minimal maintenance and asked how much more this would be, and was advised £1730, so I paid a deposit of £6120 on 01/09/20.  The bank account details I was provided to pay the deposit was the builders wifes account.  he said the company was new.  He sent me an email on 30/06/20 saying he was collecting ALL the materials on 01/07/20 and would start on 02/07/20, then he was delayed as was let down by some suppliers. Work did not actually start until 17/07/20 after I requetsed a refund due to breach of contract. They arrived and took town the old decking. there has been constant delays, excuses and outright lies and I again requested a cancellation of the contract and refund as of part of my money as they would turn up one day, then nothing, citing, supply issues, workers being sick, his child being sick, etc.  As he had assured us everything would be ready befoe 15/08/20 we booked a small gathering for a barbecue for my stepdaughters 21st and made the builder aware. We requested a full schedule of the works to be done each day and a completion date, which he gave in writing as 13/08/20, stating that the perspecx roof would be fitted on 11/08/20. Needless to say this did not happen, he claims there were supply issues with the perspex sheets and he ended up putting up a gazebo in the half completed frame of the building on the morning of 15/08/20 as no roof was on and I was concerned for rain, and confirming that the sheets for the roof would be dleivered the following week.  Well the builder went on holiday on 20/08/20, 2 workrs came on 20/08/20 and 21/08/20 to put up tarpaulin as still no roof had arrived, no cladding had arrived and a list of other works ahd not been done. On the morning of 22/08/20 we discovered we had a leak as thay had damaged a pipe when putting up the tarpaulin. I called and sent a text message to the worker and also texted the builder who gave me his plumbers number, who never came to fix the leak. on 27/08/20 I text builder again as still not heard anything form anyone and he said he was back in the country the next day and would come and see what still needed to be done and get things sorted.  He never arrived. On 01/09/20 I texted the builder who said he was at work the next day and my job would be on.  I asked him to explain exactly what that meant as I needed the work done as a priority,  He said, plumber coming today, cladding fitting tomorrow, roof panels Thursday.  No plumber arrived that day.  I contacted builder the next day, he said they were not coming as team member was sick, but he would get plumber there today.  i told him if no one came today, we would get someone else in to do works as I was getting bitten by mosquites from the stagnnant water.  No one came that day or the next.  I decided I would put the remaming works on a bulder site to get estimates to do the remaining works and then would give the builder a deadline which I did.  I spoke to the builder on 08/09/20 when he called to let me know thta he had again chased the roof panels, but he wanted me to sign a waiver about the roof.  I told him no, he had told me on numberous occassions that he had ALL the supplies, he know what was need from the start, and he had lied on previous occassions as he now admitted he had only ordered the roof panels on 21/08/20. he was however saying he had ordered bespoke panels to fit the roof, which were not necessary, discussed or agreed with me.  I told him that he had 1 week to complete all the remaining works or I would give the job to someone else and would reques a refund of monies as by now I had paid a total of £9655. All payments to his wifes account.   The builder called me on 15/09/20 to let me know he had been assured the roof panels were being delivred on that Thursday 17/09/20. I told him that was too late. he knew today was the dealine, he had not even bothered to acknowledge my email and as he clearly was not in a position to complete ALL the works by the end of that day, I would be employing alternate builders to start the next day 16/09/20, which I did.   Sorry the post is so long, but I wanted to give the history.   I have sent a letter guaranteed delivery addressed to the builder, his wife and the company  to their home address asking for a reund of £4500 withing 7 day.   I plan to take legal proceedings against ALL 3.  Although the quote had the company name on it there is no address or contact information on it, all communication came from his personal email address, he requested that the money be paid into his wife's account.   His wife is not a director of the company, she did become a company secretary on 22/06/20, so I believe I rightfully can request she repay the money as she had to right to it.   He has refused to send a breakdown of materials actually used, which is all I am prepared to pay for.  He has said I am not due a refund as he has paid for the materials. He has not fitted the cladding, or done any of the other works, which could have been completed whilst waiting for the roof panels.   Incidentally, the new builders saterted on 16/09/20, and obtained the same roof panels that morning and by Friday 18/09/20 had fitted the roof, cladded one side of the building, fitted,  UPVC doors to leant and brick shed, fitted and 2 UPVC wndows to  leanto.   Your advice regarding the status of the wife would be most helpful
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
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      I’ve also contacted their customer service too
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      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
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Spending review: Disabled people dread impact of cuts


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By Heather Sharp BBC News

Anne Novis says she is 'terrified' for her future

Marcus Bradford, 43, left paralysed on his right side by a stroke, says his social life outside his care home will all but end.

Paul Corbett, 56, who is waiting for heart surgery, fears he could lose his home.

Anne Novis, 54, in constant pain from a spinal injury, worries she could lose some of the funding for the carers who wash and dress her.

They are among hundreds of thousands of long-term sick and disabled people likely to feel the effects of Wednesday's spending review, announced as the government tries to tackle the national deficit.

 

 

Benefit reductions, cuts to local authority budgets and continuing reforms of the old incapacity benefits system have left many facing uncertainty.

'Sometimes suicidal'

Marcus relies on £49.50 a week - the "mobility component" of the Disability Living Allowance - to travel beyond the vicinity of his Essex care home.

 

Marcus Bradford worries he would not be able to visit his mother if his mobility allowance was cut

But from October 2012, this will be axed for all care home residents.

He says without it, he will have just £18 a week left over from the benefits that pay for the home, and that barely covers his toiletries and clothing.

He says he won't be able to afford to visit his ailing 75-year-old mother 30 miles away, or to travel eight miles into nearby Clacton-on-Sea.

Some days, he already feels deeply depressed - "sometimes suicidal" - about his condition.

"We won't be able to do anything, we're going to be resigned to staying in the care home, 365 days a year," he says.

The government says care homes should provide for such visits, and that people in residential care will get the financial help they need.

'Savings gone' The spending review also included changes to the Employment and Support Allowance, brought in by Labour to replace incapacity benefit, for people too ill or disabled to work.

A new qualifying test has been introduced. Unless claimants are severely disabled or terminally ill, they are expected to try, with support, to develop their capacity for "work-related activity" and start to look for jobs.

But on Wednesday it was announced that, from April 2012, these claimants will be given a year to find work - after which only the poorest will continue to receive ESA.

It could mean I'll have to give the house up - and then I'll have to ask for social housing, which is basically defeating what the government wants to do!”

End Quote Paul Corbett ESA claimant and former coach driver

Anyone who has not found work, whose partner earns more than £90 a week, or who has more than £16,000 assets, will lose the benefit.

For Paul Corbett, who had to give up his job as a coach driver when he developed heart problems, this would mean losing about £300 a month, though it can be more for some claimants.

Paul's wife is paid £6.58 an hour for working at McDonalds near their home in Talbot Green, Rhondda Cynon Taff, which would push them over the threshold.

After four failed angioplasty operations, he hopes another attempt - or open heart surgery - will eventually get him back to work.

But if he has to wait too long, he fears his ESA will be taken away.

Paul may still be eligible for other benefits, but he has already used up all his savings.

"It could mean I'll have to give the house up - and then I'll have to ask for social housing, which is basically defeating what the government wants to do!"

'Human tragedy' There are 200,000 people on ESA, classed in the "work-related activity group", that the changes are likely to affect.

But another 1.5 million people on incapacity benefit will be re-assessed and transferred to the new system over the next three years.

Work and Pensions Secretary Iain Duncan Smith has said the reforms are "not about forcing sick and disabled people who cannot work into employment".

"I've been like this for 20 years, I'm not going to be able to get a job… it's like la la land”

End Quote Anne Novis Former community worker now on disability benefits

He believes nearly one in four people on incapacity benefits are actually fit for work.

Mr Duncan Smith says he wants to end the "human tragedy" of the "lost potential of so many people who have been dumped to languish at the bottom end of society".

But Anne Novis, a former community worker who has fostered 23 children, says she'll feel "sick to the stomach" when the letter arrives inviting her to an assessment of her incapacity benefit status.

She knows of people with disabilities more severe than her spinal condition, who have been considered able to try to seek work.

While she is highly articulate, and can perform tasks like sending e-mails, she says she could do no more than spend an hour or two per day working online or on the phone, from her bed or reclining chair.

"But that won't earn enough to live on," she says.

"I've been like this for 20 years, my condition is deteriorating, I'm not going to be able to get a job… it's like la la land."

 

The government has pledged to "protect the vulnerable"

Disability campaigners say the new tests are flawed, pointing out that 40% of appeals against decisions are upheld.

But the Department for Work and Pensions says it is "unfair to suggest the system isn't working" and points out that only 5% of all cases are overturned, although it has commissioned a review of the test.

Anne also fears a change in her incapacity benefit status would affect other disability benefits which are tied to it.

One of these funds half of the 70 hours a week of personal care on which she relies.

"I am personally terrified for myself," she says. "I feel that I won't have a life, that I would just be a burden on my family."

Social care 'crisis' She also fears for the local authority funding that covers the rest of her care.

David Congdon, head of campaigns and policy at the learning disability charity Mencap, says there is already an "enormous funding crisis" in social care as the population ages.

And local authorities now face 26% cuts to their budgets over the next four years.

The Treasury has transferred an extra £2bn from the health budget, but Mr Congdon says this "won't really bridge the gap".

The government promises to "protect the vulnerable". But many disabled people have serious doubts.

 

Heard it all before PROTECT the poor don't make me laugh..............

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In essence we cannot blame the current government for imposing such harsh cuts as it was the Labout government that got us into theis mess in the first place, however I do think that the cuts are a bit over the top. I am not sure how it is going ti impact us but then I am over 60 and the wife is 59.

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The CSR may well turn out to be "the last straw" catalyst and have the effect of spurring into mass action under a single united banner all the many interested separate groups and sites for the ill, the disabled and their carers.

 

In Thursday's guardian Rhydian James (who is a frequently published feature writer supporting our rights in the guardian and himself disabled) wrote a call to action type article which I recommend. http://www.guardian.co.uk/commentisfree/2010/oct/21/disability-welfare-cuts-impact

 

Building on the massive response to his article yesterday Rhydian has decided to launch a Disability Rights group - a sort of sister group to carerwatch for disabled people.

 

What do you lot think? I think it's a great idea. Rhydian already writes great articles and if they can get some talking heads for radio and television then at long last disabled people might get some real representation instead of those feeble wet charities who always seem to be on the government side.

Edited by loan_ranger
yesterday changed to Thurs

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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Building on the massive response to his article yesterday Rhydian has decided to launch a Disability Rights group - a sort of sister group to carerwatch for disabled people.

 

What do you lot think? I think it's a great idea. Rhydian already writes great articles and if they can get some talking heads for radio and television then at long last disabled people might get some real representation instead of those feeble wet charities who always seem to be on the government side.

 

Hi Lone,

 

I think it's about time to fight back well done to that fella for posting some hope we must move quick in this quest.

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Hi Lone,

 

I think it's about time to fight back well done to that fella for posting some hope we must move quick in this quest.

Thanks for your comment. Over the past year I've seen many ppl on the forums setting up yet another web site or FB group (i.e. splintering) when what is really needed is consolidation and a figurehead who has media clout and contacts, I was forlornly hoping for someone famous to come along who could raise our media profile (e.g. like "comely" Ms. Lumley did for the Gurkhas), I think Rhydian might be the one.

I was pleased to note the very many commentators after the article who were offering to come along to street protests, for this is what is needed - we cannot allow ourselves to be simply "brushed under the carpet", which is what has been happening so far for decades with the charities who purport to represent us (e.g. Mind and Disability Alliance "consultations" with HMG regards welfare reform and the introduction of ESA) being in the government's pocket in order to protect their state grants and their own jobs. HMG used these "consultations" to provide a veneer of respectability (i.e. a pretence of "fairness") to some of the most iniquitous laws since the poll tax. We have had our backs pushed against the wall and with the June Spending Review and this month's CSR this has become much worse and blatantly obvious to those affected by the cuts that the con/dems are waging ideologial war against the sick and disabled, therefore it's time we followed the example of the French in order to get the message home to those who are ("by the grace of god") as yet unaffected and tell them that they may one day need some state help and the safety net won't be there for them because their silence allowed this to happen.

They came first for the Communists,

and I didn't speak up because I wasn't a Communist.

 

Then they came for the trade unionists,

and I didn't speak up because I wasn't a trade unionist.

 

Then they came for the Jews,

and I didn't speak up because I wasn't a Jew.

 

Then they came for me

and by that time no one was left to speak up.

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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The Guardian article is very well written and the comments are mostly in support of the vulnerable groups :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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