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    • Ok just an update sent my DQ recorded delivery, received by court 18/07/24, nothing yet showing on mcol. Deadline is Monday 22/07/24. Hopefully shows on before
    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Is it really worth all the hassle? Any advice welcome.


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Hi,

 

Right, I don't really know where to start here, but let's have a go.

 

I went to the doctors the other day, just for an ear infection, but the doctor I saw was new and was reading through my notes. She noticed that I have very high blood pressure for my age, and wanted a chat about my life at the moment, here's what I basically told her:

 

Sleep

I lie in bed at night, instead of drifting off to sleep, I am hit with massive waves of tension and anxiety. I take the days worries to bed with me, and end up crying myself to sleep. I've tried writing my worries down, but it hasn't helped. Not only do I find it hard to fall asleep at night, but I also wake up feeling more tired and less-refreshed than before I went to bed. That means I start my day off feeling tired, energyless and irritable.

 

Day to Day Life

In my day to day life, I feel tense, unable to relax; constantly tired, I have a lack of energy. I'm often anxious and in a bad mood - this has led to temper outbursts. I always seem to be the cause of argument in our house,. I used to be able to have a joke and laugh with people, now they may say something that's not aimed at me, or if it is it's just in a jokey sort of way - and I flip. Like I have hit my mum twice, I felt terrible after it and after a good ole' cry, we had a cuddle and she told me it would all be ok. Needless to say relationships with my family are strained. I get angry for no reason, I have depressing thoughts, and have lost interest in things which I used to enjoy. Just recently, I've found myself telling every I can't be dealing with life no more. I feel like I'm constantly tied to job-searching to meet my JSA agreement, and forget to take time out for myself - if I do, I feel terribly guilt about it. I frequently suffer from headaches, back pain, and upset stomach.

 

Eating

I snack between meals and put on weight. I can't help it, but the slightest problem causes me to wolf down a box of biscuits, a bar of chocolate, or some other kind of sweets. Then I go back to what I was previously doing feeling guilty and rubbish due to my lack of will power.

 

She's came to the conclusion that I am stressed.

 

Now we've recently found out that I have one kidney, when I was a baby my parents got told I might have one, but never actually got it confirmed. I also have high blood pressure. Now my kidney is functioning fine, as I have had results back of a few tests at the beginning of the week, but despite the medication, my blood pressure is still above where it needs to be. I also have an extremely high pulse, it should be between 70-80, mine was 113 on my last visit. I feel my heart skipping beats alot, so they want to do an ECG on me, which I have to go back for whenever I'm ready.

 

I should be aiming for a blood pressure of 120/80. But mine is in the region of 140/100. My doctor said this is dangerously high for my age, and it's also no good for my kidney. High blood pressure, can damage the kidneys! Obviously for people with two kidneys if one gets damaged, they can have it removed and live fine with one, but if mine gets damaged, I don't have another one to fall back on. They may need to up my BP medication a bit, but also they said they need to work on helping me cope with my stress.

 

Now here's the problem. My doctor has said he wants to sign me off sick, I've no idea how long for but he does, but not for a long time, maybe a month or something. He said it's to give me some time to relax and hopefully remove the stress. Plus get my BP more under control.

 

They think it would be good. Personally, I don't think it's worth all the hassle. Mainly because I'm on JSA. That'd mean having to change my benefit over to ESA for a month, and then there's the added thing of the horrible medical examination you have to go through, which I've read people get failed on quite alot. It's just more stress and worry, I think, as I'm not even sure I'd qualify for it. But then, what do I know?

 

Just thought I'd come in here for a bit of advice.

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If it's only for a month you wouldn't get to the medical bit, that only happens at week 13.

 

I would get the sick note from your GP and get transferred to ESA, take a break and sort your health out, especially if it's the job searching that's causing or contributing to your stress.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi, so you don't think there would be any problem? What would happen during the month i'm on ESA? It is the job searching that's contributing to it, I think. It's all I've done since finishing college in 2008, and it just gets on top of you. I just need a break from it I think. Then come back to it with a positive frame of mind.

 

One thing I forgot to mention in the previous post is that I get chest pains. They are linked to stress and quite worrying. I think that may be why they've requested I have an ECG.

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I am absolutely not an expert and I've never claimed ESA, but for the first 13 weeks you're on the assessment rate and all you need to do is send in 'fit notes' from your GP. As to how smooth the transition from JSA to ESA would be, I don't know but I would personally be prepared for some payment 'hiccups' just in case.

 

I can understand how frustrating constant job searching is - my daughter has been unemployed since finishing Uni 18 months ago and it really gets her down, especially the ones that don't even bother to reply with a no thanks.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Reallymadwoman more or less has it. It's not technically correct to say that the medical exam is done at 13 weeks - the idea is that it's done at some point within the first 13 weeks. In practice, there is a backlog and it often takes longer. It would be very unusual for a medical to be done within the first 4 weeks of a claim. So Reallymadwoman is correct - for a short claim, the medical likely won't be an issue.

 

So when there's no medical, all you need is a med cert from your doctor. The transition from one benefit to the other won't be all that smooth, necessarily - your JSA claim would need to be closed before the computer system would allow an ESA claim to be opened and processed. That could cause a break in your payments - you shouldn't lose money in the long term, but it does take time for the DWP office to process the change, so expect that some payments may not be made as you expect. That's a euphemism: I really mean, you might end up without benefit for a week or two.

 

As to what would happen during the month you're on ESA, well, nothing much. You need to provide med certs from your GP or other doctor, and to avoid hassle those certs should cover every single day of your ESA claim. ESA claimants don't need to sign on.

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What you need to dio is go into your local JCP office tomorrow (Monday) and sign off JSA with the last day of looking for work as today (Sunday) and then make your claim for ESA from tomorrow. That way there will be no break in your claim and any outstanding JSA payments will be released as quicky as the customer service team are able to close your claim via the JCP office which is on average anything up to 2 working days following the receipt of handing in the ES40 booklet (or ES40S the form you can complete in the JCP office if you don't have your ES40 booklet).

You are highly unlikely to be called in for a medical prior to 13 weeks due to the backlog already in the system unless you were previously claiming ESA for exactly the same reason.

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