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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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Welfare to Work policy 'casts the disabled as cheats'

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increasing evidence that backs up these clams above.

 

http://thescotsman.scotsman.com/news/64000-on-sickness-benefit-39fit.6808226.jp

 

http://www.bbc.co.uk/news/business-14280849

 

http://www.mirror.co.uk/news/top-stories/2011/07/27/only-7-of-people-on-sickness-benefit-are-unable-to-work-115875-23299527/

 

http://www.independent.co.uk/news/uk/politics/charities-angry-over-ministers-crackdown-on-disability-benefits-2326481.html

 

sadly the comment left here typifies the discrimination those face with mental health problems are facing in applying for work.the real world.

 

 

And what of the mentally ill?

 

Physically they may be OK but do you really want dangerous and mad people working in sensitive environments just because the tests show they can pick a phone up or carry a sack of cement.

 

Maybe once one or two of these people have run amok in the workplace it might make ministers realise that its not just a wheelchair that makes people disabled.

Edited by seen this before

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And what of the mentally ill?

 

Physically they may be OK but do you really want dangerous and mad people working in sensitive environments just because the tests show they can pick a phone up or carry a sack of cement.

 

Maybe once one or two of these people have run amok in the workplace it might make ministers realise that its not just a wheelchair that makes people disabled.

 

it's been quite a while since i had the asessment to see if i was too ill to work.

asessing someone on wether that can pick up certain things...how do they walk...can they prepare a meal...can they dress themselves...can they get in/out of bed...can they wash themseves...none of it applies to mental illnesses.

at the time of the asessment i had had it was due to depression, self-harm, anxiety and anorexia.

could i prepare a meal...yes but anorexia obviously meant that i didn't.

could i wash myself, get in/out of bed, dress myself...yes but depression [and other mental illnesses] often mean you don't do those things cause you don't care about yourself.

could i walk, pick up stuff...of course i could...the only physical issues i had were mainly caused by the anorexia....such as fainting and being weak.

i went to a&e loads of times cause i fainted/collapsed and self-harm...they just send you home.

 

they even said i wasn't ill enough for DLA because i hadn't been admitted to the psych' ward!

people with ED's are only admitted to the psych' ward if thier weight is do low that they are force-fed...so it's not a common thing.

not to mention the fact i would have done anything to stay out of the ward. that's the last place i wanted to be!

 

like you said you don't have to be in a wheelchair to be disabled.

 

they need a separate set of questions for mental illnesses.

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they need a separate set of questions for mental illnesses.

 

They do

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well like i said above they didn't when i applied...although that was a while ago now.

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Even if they didn't, I found that most of the questions for DLA could be applied to mental health.

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Despite the Government campaign to label many disabled people as workshy, I think even PR man Cameron will have a job selling cancer patients with 'more than 6 months to live' as skivers. But then the Government's done a pretty good job labeling nurses, care workers and teachers as overpaid money-grabbers, so anything's possible.

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I found that most of the questions for DLA could be applied to mental health.

 

can you cook yourself a meal? wash yourself? dress yourself? yes. physically i'm obviously capable.

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I have just got DLA and ESA support group, yes I can cook for myself, wash myself, dress ect but it takes me hours to recover after! Plus being with large amounts of people is a danger for me...infection danger and physical danger! One nudge or bump to my abdomen could mean serious injury problems!

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I have just got DLA and ESA support group, yes I can cook for myself, wash myself, dress ect but it takes me hours to recover after! Plus being with large amounts of people is a danger for me...infection danger and physical danger! One nudge or bump to my abdomen could mean serious injury problems!

 

I have just been turned down for DLA im on ESA.....im not working and my wife is not working as she has to help me most of the time,

 

im about to appeal! and im going to give it to them big time......

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Don,t lose heart. I also got turned down the first time. I sent in more medical evidence and a long letter about their findings. The out come was a ATOS home visit and I won. I only received the mobility side, so I,m appealing for carers allowance. What does not stack up on their side is they agree i,m a cripple, but cant seem to see I need help with daily tasks. I think the DWP just throw hurdles at people to see if they stumble and back down.

Edited by OlafJensen
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It is truly appalling to come accross ill-informed; invidious and self-serving politicians, who little understand the concept of disability - let alone poverty. I have always worked and studied my way through life, until very recent times, and often taken jobs well below my skill set because I was over-qualified for some jobs here in the UK. I am currently pursuing a career in writing as an extremely gifted author, despite suffering long-term clinical depression; social anxiety and PTSD - I don't allow these terms of 'disability' to define me however, because of the holistic views I have regarding what constitutes a full-person and their individual capabilities.

 

 

We all have one disability of kind or another; regardless of what socioeconomic background someone is from. Who is deserving of social welfare assistance from time to time, is most definitely the responsibility of the state who have an allocated budget specifically for those out of work, for whatever reason. It is shocking how much foreign aid they pour into global anti-terrorist projects - buying political 'peace' because they have slashed their own military services, as well as lining their own pockets in the humungous tax-relief of their paid-for expenses claims.

 

 

In addition, what about the foreign penniless women, who come to live over here because they are married to wealthy partners - are they scroungers too?. I have met a few in my time, and they do not work, just live off their partner as well as claim child benefits. I could easily amass a huge list of what 'type' of scroungers that politicians readily refer to as 'work-shy'. I had forgotten to mention over-paid celebrities/footballers who deliver nothing more than the goods they are paid, and those that simply inherit an existence because the notion of work too much a a reality shock!.

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