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    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
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DLA award increases but payment starts after the award date


Winnie Wotsit
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I've not made myself clear. The DWP letter says you will get x amount from such a date, but the payment starts from the following Wednesday. Even if you got paid in arrears, when the payment does come through, you're not paid for the single days between the date on the letter and the payment date of the Wednesday.

 

Here is an earlier thread that gives a better example : http://www.consumeractiongroup.co.uk/forum/showthread.php?245512-DLA-first-payment-date.

Edited by Winnie Wotsit
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Still don't understand what you are getting at, I've always been paid odd days when benefits are changed, such as when I change my Motability car. That said I can't remember back to the start whether I lost a couple of days or not. It used to be that pensions where paid on Mondays, sickness related benefits on Wednesday and the dole on Thursdays. It has changed recently, and I got paid the odd days. My wifes gets her state pension and pension credits on Monday, her DLA on Tuesday, I get my DLA on Wednesday and my ESA on Thursday. I suppose in a way when it went from weekly to fortnightly I lost a weeks money and when it went to four weekly I lost out again. But there's not much one can do about it. My wife had the same problem when she was working went from weekly to monthly and had to make a weeks money last 4 weeks (we never recovered from that). If I was to lose any benefits I presume they would stop straight away, and not carry on for four weeks (although I may be wrong).

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Still don't understand what you are getting at

 

Simply put, the DWP dont pay those odd days. You lose them. If your claim was awarded on a Thursday, your payments dont start until the following Wednesday. Meaning you lose 6 days money. If the claim was for HRM and HRC on DLA it would work out at approx £17.80 per day or around £107.

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??????????? I just typed in pages of text in answer but it all disappeared. I can't say I ever noticed not being paid from start of claim. I know I got carers allowance from day one and I'm pretty sure my wifes DLA MRC was also from day she put claim in.

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I've now had it confirmed by the DWP, CAB and a brace of other welfare rights agencys that the claimant does lose payments for odd days.

 

I can't say I ever noticed not being paid from start of claim. I know I got carers allowance from day one and I'm pretty sure my wifes DLA MRC was also from day she put claim in.

 

I dont know about CA, IS or any of the other benefits. I know it is the case for DLA.

Edited by Winnie Wotsit
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I thought my wife's DLA was backdated to when they received the claim form, I just took their word for it when they said it was. To be honest I did not work out how much she should have got exactly, just that it was about right give or take. It may have been down a day or so, all I know is the 100s we got have been a real help. I don't know how we manage without it and we were so gratefully we did not check like you. I did check the carers allowance, so I know we go that backdated to when entitled (when she was awarded the middle rate care component of DLA). Had it been a few days out though, I probably would have let it go.

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I've already fallen foul of this rule before. But that was for a period of two days for MRC. So it was only a few pounds. This time it’s for 6 days at £107. I have just checked a CA award and after working it out, that was also not paid for odd days.

 

If after an appeal, you get a large sum, then most people won’tcheck (that’s the idea the government work on ;) ). But if your DLA changes, then it becomes very obvious when a letter says one thing and the actual payment is 6 days later.

 

Pounds to claimants, millions to the DWP.

 

More concerning is the amount of so called benefit advisors who work for large organisations, who are not even aware of this!

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