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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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Carers allowance and severe disability premium


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Can anyone tell me if you can claim the £53 carers allowance at the same time as your parnter claims severe disability premium(also about £53)? As by some information I have seen is that carers allowance is taken out of your income support entitlement whereas SDP is paid aswell as your income support entitlement. I would like to know if you can claim both or if not which one makes you better off?

Many Thanks!

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the conditions for SDP are that you

1 you are receiving higher or middle rate care component of DLA

2 nobody is receiving Carers Allowance for looking after you

3 you have no non dependant adults living with you

4 if you have a partner, they are also in receipt of higher or middle rate care component of DLA (or are blind)

 

 

if you meet condition 4, you are normally better off not claiming carers allowance

if you do not meet contion 4, you are not entitled to the SDP, therefore you are normally better off claiming carers allowance

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I recieve DLA at middle rate for care and lower rate for mobility, i am living with my parnter, no other adults live here just our daughter who is 5. what amount should we recieve for income support as a couple because I'm not sure of that either!?

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Do you receive any disability benefits and if so what rate? Do you live with your partner? Do any other adults live with you?

I recieve DLA at middle rate for care and lower rate for mobility, i am living with my parnter, no other adults live here just our daughter who is 5. what amount should we recieve for income support as a couple because I'm not sure of that either!?

 

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  • 2 weeks later...
Does your partner also receive DLA? and do you have any other income - for instance pensions or contribution based benefits?

my partner does not recieve DLA only i do at the middle rate for care and lower for mobility. currently we get income support of £142 per week but out of that they take out £65 per week for my partner claiming carers allowance so in reality income support pay us £77 per week and my partner get £50 per week CA apart from my partner recieving child tax credit of £49 per week we don't recieve any thing else

so does this sound correct as i was living alone a few weeks ago and getting my SDP i seem to now be worse off living with a partner?

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With income support they should subtract the amount of carers allowance that your partner receives, but then add on an amount called a carers premium which I believe is around £30 a week. But no, you are not eligible for an SDP now.

 

You should get:

 

couple rate + carers premium minus carers allowance. which I make to be around £81.40 a week, plus the carers allowance and tax credits. (2011 rates)

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Carers Allowance is £55.55 per week and the premium is £31 per week.

 

Lee - they should receive the couples rate of the disability premium.

 

Entitled to says you should receive £122.50 IS.

So the £122.50 is that before or after they have deducted the £55 carers allowance??

also what do i need to do to rectify this as as far as i know i don't receive a carers premium. the letter i got back says i receive £102 income support for me and my partner plus £39.85 for being sick or disabled minus £65.45 for my partner equalling £77.15 a week. I feel like this office hasn't got a clue, I don't no why they are taking £65 for my partner as she doesn't get £65 for her carers allowance she receives the £55.55. My phone calls seem to be falling on deaf ears so i would appreciate any more help and advice you could give me!

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Yes it seems that income support are not aware of your the carers allowance claim. You need to contact them with the date carer's allowance was paid from. Normally what happens is that carers allowance contact income support before a claim is paid so that you are not overpaid income support. Not sure what the £65.45 is about for your partner - was your partner claiming another benefit before carers allowance? It sounds close to an amount for contribution based jobseekers allowance, or basic rate ESA.

 

Anyway, first step is to contact them by phone and inform them about the carers allowance and date of award, and why carers allowance haven't contacted them. Ask what the current deduction for your partner is for. Ask for a call back from the decision maker - they should then email the team who deal with your claim who call you back, and if you don't get anywhere after that ask to speak to a team leader. The person at the contact centre is often pretty clueless, and for any more than reporting a change of circumstances or basic info, they're often not too good.

 

If you don't get anywhere with phone calls, put your circumstances in writing and ask for your claim to be looked at again. Point out the number of times you've phoned and that if they don't get back to you in 14 days you'll put in a complaint.

Edited by leemack
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