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    • Thank you all for your replies  I am obviuously over thinking things best to continue to ignore  onlymeagain  
    • As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.
    • I booked several rooms with FABHOTELS.COM - I have made sure the rooms were cancellable    due to the condition in India regarding Covid becoming very bad I cancelled the rooms and my visit to India and will not be travelling for the foreseeable future, I then checked my account and they have stated there can be no refund back to my card but I have to accept their room credits to the value of £478 valid for 12 months when they will then expire if I do not use them by that date,   I have contacted them on several telephone numbers and via email, they have refused to issue a refund : stating it is their policy to issue only rooms credits and these will expire in 12 months, they have advised they have the right to do this under the contract and under Indian law,   I have raised a SEC 75 claim, via the credit card company however they have not advised what the above means and stated it will take 11 weeks for a response,   I am concerned that a refund has been provided and the cancellation has been approved as such as a refundable cancellation, albeit they have stated no refund to the credit card can be made. I have sent the following to them and their response has been - we are unable to assist further - I have now concern how they can do this when the law does not allow this to be possible? The issue that I have experienced was:   Disgraceful behaviour by Fab hotels in holding cancelled bookings in an expiring account when cancelled fully - NO REFUND ISSUED? Please can you refund the full amount to my credit card as due to the Covid restrictions there is no guarantee I will be in India in next twenty four months I await your refund back to my with the Credit card Company as I am not able to use the Credits expiring in 12 Months, I have been in touch with the credit card Company and they have confirmed they will be looking to FabHotels to refund back to the Original card as part of the Sec 75 Laws where a cancellation has been made and the payment has to be refunded back to the Original payment card. I have not been able to confirm I will be using the credits and therefore in order to safeguard my funds these needs to be back into my, If this is not accepted then I reserve the right to take the matter further for a investigation and chargeback as I have not authorised the payment and the reservations have been cancelled. Please can this be escalated to a senior manager and a refund issued back to the Visa card. If this is the Customer experience I have to endure then I will make it quite clear that this i not acceptable that you take money and put it into a expiring account and then ask me to contact you to get the extension,   this is not customer service, I am deeply distressed by your action as there are no other Booking agents who are doing this to their customers, especially considering the hotels have been accepted as cancelled and a refund issued but held in expiring account.
    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
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      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.
       
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jack1966

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hello, ive got to go 'sign' on today and im very worried. i finished my employment last friday, my husband claims benefits but is only entitled to his stamp. when i called to make my initial claim over the phone i said i would claim for both of us.

 

i had a call from jobcenter yesterday to say when i go in to claim this morning that my husband should be with me and for him to claim for me.

 

does it make any difference, i was told on my phone interview that i was entitled to JSA.

 

i beleive that im only entitled to approx £65 a week :?:, how can a household manage on that ? i wouldnt get housing or council tax benefit as my sons work and i have been told they have to cover those costs basically

 

please advise asap as my appointment is early this morning.

 

thankyou

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strnge

 

both you and your hubby would have two seperate claims and signing on times

 

you cant do a claim for him

 

he has to sign

 

not you

 

in the nicest poss way

 

him claiming has nothing to do with your claim

 

you just have to answer all there questions about partner etc

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no, i meant me claim for both of us -

 

does it make a difference who claims regarding the amount of benefits recieved?

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I am as old as the hills, so what I am saying *may* be outdated, but I have not found anything in the guidance notes to make this wrong... but check!

 

Yes, it can make a difference.

 

If you are on income based JSA, then it will probably not make a difference, the income calculation is for the household.

 

If you are claiming contribution based JSA, then it goes on your contributions, not your husbands, and that can mean that you can get benefit and he can't, or vice versa.

 

However, he can't claim in his own right if you are claiming for him - so if he is signing on for his stamp, then he can't be on your contribution based claim.

 

So it really depends on what sort of JSA you will be getting, whether your husband would get income based JSA, whether you would be better off with you claiming for him and buying him voluntary NI contributions - you probably need to get help working out how you will be best off (or go and play with one of the online benefits calculators, at least you can try all the variations on those!)

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