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    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Got my call last night 8.00pm for my medical later this month.


The call was very odd, almost silence on the other end of the line accept for this hesitant voice, then they left my hanging on for ages whilst they went to (book the medical) again no music, nothing - I thought she had hung up - when she came back to the phone, and said 'hello' it was if she did not expect me to still be there.


Really really unnerved me - the strangest call I have ever had.

No interaction at all.

When I put the phone down, I felt as if she was still there on the other end listening.


So, now I have weeks of worry



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Got directions to medical centre - why do they make it up 30 flights of stairs.

Sure, there is a lift (but I hate them) do they want to try and kill us off before we reach the top.

Also states in the case of a fire alarm lifts are out of bounds so who is/will help disabled people down.


Why don't they just gas all the ill people and be done with us.



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I have a friend who is on ESA she is selling her house but looking to move into rented.

A small bungalow not far from where is is living (less in rent than the help she is getting with SMI as she will not make much if any profit when her house is sold (there is a huge waiting list for Council properties).

Most rentals say NO DSS - do they mean ESA and the likes, as if so, she is looking scuppered.



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I think they may mean benefits, yes. DSS is what the DWP used to be called, but it's worth checking just in case.


Not all landlords refuse to take benefit claimants. You might ask the question on the rentals forum here and see if the guys there know.


My best, HB

Illegitimi non carborundum




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Thanks for those replies.

As my friend was very upset last week, one estate agents she registered with told her 'no out of work tenant's (she said she broke down and cried in their office)!

She is 49 worked most of her adult life and on ESA because of illness.

Non smoker - what the heck do they want.

How horrible some people are.



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And some say NO PETS,

and what have they got against cats :(


Some say no to everything.

Very hard it would seem if you have a pet, smoking is a no no, being on benefits, kids under a certain age.


More and more people are losing their homes, and then find rentals do not allow them to be a normal family any more.:sad:



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No DSS generally means no benefits so would include ESA however even people who state no DSS will discuss with you your situation. If they meet you and speak to you they may well make allowances, they have for me. Once they wanted a guarantor which I provided, but twice they took me on after talking so I wouldn't take a no DSS as written in stone. They just want to be able to say No if they don't feel they can trust you. Once you are in the first property and you pay your rent and look after the property then you will gain a good landlord reference which will be taken into account when you next rent.


I know several landlords and they say no pets, cats are possibly the worst as if not adequately treated with preventative treatment get fleas and then when the cats leave the property the fleas bite the humans who move in as there are no cats to eat off. Then the residents demand expensive whole property treatment plus compensation.

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means no department of social security aka benefits.


5 years back my experience was 99% of landlords advertised no DSS it was practically impossible to find one that accepted.


now with the economic situation it seems a few more accept but its still very hard to find one.


I Was working when I got my current landlord, my circumstances changed afterwards. He still thinks I work now.

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I have my medical on Monday (scared) but decided I can only tell the truth, and then wait. Expect to fail - will then appeal.


I am receiving counselling for my illness and they have suggested I turn my art work into some of activity (but I am worried that selling any thing will get my money stopped)

It is one thing my counsellor telling me that, but I know the DWP will view it different.

So I feel really torn and trapped, and this is making my illness worse.

I cannot afford to lose my money and the help I get with my mortgage and yet I do know putting my mind to some form of work might be beneficial.


Has anyone come across this hurdle.


I hardly go out so would only be making them at home and then trying to sell a few, no profits just getting some material costs back.



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You are allowed to do permitted work, but you will need to check with the DWP look here http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Illorinjured/DG_171909

I would have thought that as you have been advised to take up an activity as therapy recouping the costs of the activity would not be classed as employment as such, but I'm not an expert, no doubt others with more knowledge of this will chime in.


Corruptissima re publica plurimae leges


Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Lilly, I can really relate to what you are saying here. too have skills I could use to perhaps work from home or use in a volunteering situation once my health has improved but I really don't know how it works.


I am currently being assesed for ESA and like you I expect I will fail the medical and have to appeal. In my case I know from experiance that no employer is willing to take on someone like me with a varying health condition who would need to take time off weekly, it's just never going to happen especially in times like these. If I get put into WRAG I could perhaps if my condition improves and I am able to build up to self employment though permitted work then I would most likely be able to come off of benefits and work around my health condition. A lot of ifs I know but it's still a plan!


However if I fail and need to appeal I don't know where I stand. Can you still do premitted work while being assessed? If you do will that go against you when it comes to your appeal?


What you are suggesting sounds fine to me, but what with the whole Sun newspaper "Beat the Cheat" fever at the moment it is very difficult as you never know just who buys into that kind of thing. The best thing is just to keep your private business private as much as possible e.g. only my immediate family know I am claiming esa.


I think it is difficult and so few people you really can go to for help, in your case making your art sounds really important to you but art materials are expensive and to keep doing it you need to sell what you are making to reinvest in materials. The thing is while to me it sounds fine go ahead I don't know what the DWP would think, the only way you will know is if you get something in writing from them saying it's ok.


There was a case I read about recently about a girl who was signed off with depression who had been a glamour model. After about a year she started to do some part time exotic dancing again. She did fill out a form and send it off to the DWP but never go anything back she just assumed that she was ok to be earning what she was but she ended up getting done for benefit fraud, fined over £500 and made to pay back something like £10,000. I just don't think you can really take anything for granted.

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Zarbafi that is what worries me.

I fear that someone might say 'yes' that is allowed, and then weeks or months later your money is stopped whilst they investigate you - as common sense does not apply here does it.

Any break in the money I receive would finish me, as I have no friends or family to help - I totally live off the bit I get each week.


I am also worried that because you offer a few hours of your time for free to a charity or something, then they take this as being fit for work, which I am not at the moment - and like you, no one is going to employ me I am 55 not to mention my illness


All in all I feel trapped - I want to help myself but not sure the system allows this.


I have asked, but you do not get any clear answers every time you speak to someone they each tell you different.



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Hi Lilly.


I did voluntary work as recommended by my psychiatrist, as part of my rehabilitation. I asked the DWP first and I didn't have any problems at all.


I had a couple of nice 'jobs' locally, which I found through a disability adviser from the DWP [can't remember the title] and the local Volunteer Bureau who were quite careful about matching me with the right sort of thing.


You might find it helps your confidence a bit. Volunteers aren't pressured and the things I did were interesting.


HB x

Illegitimi non carborundum




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Thanks HB


At the moment I am afraid for all reasons.

Got my ESA medical on Monday (expecting to fail) will then appeal - so until then I have no idea how they will view me.

I am terrified (as is everyone I know) of being put back on JSA.

I can take meeting people and talking but only in short bursts, I get very tired and panic (the session with my councillor mentally and physically drains me) .


Just had a friend aged 57 with type 2 diabetes, Rhum Arthritis (hands deformed) lung impairment due to the RA get NO points on their medical.

So all in all I have no trust in anything.



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As has been advised, Lily, look into the permitted work scheme. This allows (iirc) a person on ESA to earn up to £90pw for a maximum 16hr week on top of benefits. Whilst HB and CTB shouldn't be affected it is always worth talking to them first. the scheme runs for a maximum of 1 year ...

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As has been advised, Lily, look into the permitted work scheme. This allows (iirc) a person on ESA to earn up to £90pw for a maximum 16hr week on top of benefits. Whilst HB and CTB shouldn't be affected it is always worth talking to them first. the scheme runs for a maximum of 1 year ...


Do you still get help with your mortgage.

Thanks for this - it could be a huge help money and health wise.

I will pop in and see someone on Monday.



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Got my medical on Mon and I am worried sick.

I have no one to go with me

Got to get up at 6.30 to catch the bus 7.30 (they are every two hours) for my 9.15 medical

takes about 45 mins on the bus.

I will be terrified as well as shattered and I get clumsy when like this - up several flights of stairs and wait for the dreaded.


I am off with depression so know I stand no chance.


After do I wait until I hear - but keep sending in sick notes then again whilst I appeal.


Got massive heart palpitations just thinking about it.



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It is quite likely you will fail with zero points as many other people do but just simply appeal. The decision makers a

might ignore a lot of ATOS's "report". Try not to worry :)

Work for my local CAB but my views and advice are my own. Try AdviceGuide or Adviceline (08444 111 444) for CAB help ;)

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Talk about a catch 22 situation. :(


If you don't turn up for medical then they stop your benefits,

if you do turn up, they will use that against you.


The mere fact that you showed up for the medical can't be used against you.


It is true, though, that everything you do from the moment you arrive at the ATOS medical centre can and will be observed.


To Lilly_Monroe: keep sending medical certificates until you hear the result of your medical and, if you intend to appeal, keep sending them after that as well.




The idea that all politicians lie is music to the ears of the most egregious liars.

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Thank you Antone.


When I get to the medical centre I have two choices climb up 26 flights of stairs or the lift (which I hate).

The fact I have climbed those stairs will go against me I know, but the lift well I just could not do it.

I can only give them answers to what they ask I know it will not be enough to win, so hope I get to appeal.

If they ask me if I can lift a box down (well yes I can) they will know I can walk - got there, and climbed the stairs.

What they cannot see is inside my mind and how I live (or do not live) the almost recluse, neither can they ever understand what Mondays medical will do to me mentally.


I can only be honest, and I know that does not get you anywhere today.



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