Jump to content


  • Tweets

  • Posts

    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
  • Recommended Topics

  • Our picks

    • 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
      • 161 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
        • Like
  • Recommended Topics

Pregnanat and ESA appeal dismissed


Reptilekeeper
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4503 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all

 

i am 26 weeks pregnant with a 3 year old girl. i received a letter today to let me know my esa appeal has been dismissed and i am no longer going to get money. i applied due to bad back problems, severe anxiety and clinical depression. i fell pregnant in that time also.

 

i am now worried as apparantly a jsa claim is going to take at least 2 weeks and i cant get a crisis loan due to the amount i owe them.

i owe £60 on my council rent, if i dont pay it i will be evicted. i am in emergency on gas and electric, with only sausages and fishfingers in the freezer. family cant help either.

 

please can i have some advice. i cant stop crying as i dont know what im going to do

Link to post
Share on other sites

Ok, now wev just found out our freezer didnt freeze the food proper and the fishfingers and sausages are off. luckily my daughter is at my mams but me and my partner havnt got anything apart from beans and bread.

 

i cant handle this. just feel like curling up and dying!

Link to post
Share on other sites

Have they just notifiied you that your ESA was to cease?. With your payment being due tomorrow and I presume you made your claim to JSA today, could ypu try ringing the JobCente tomorrow and ask for backdating of JSA for two weeks, that should mean to the last day of your entitlement to ESA.

Then they could make a payment if the backdating is accepted and they have your form

 

" Your JSA claim can only be backdated for a maximum of 3 months even if you meet the above conditions.

However, you may also receive backdated JSA for a maximum of 1 month if you can show that you had "good cause" for delaying your claim for one of the following reasons (SS (C&P) Regs, reg 19(6)&(7)):

• the ES office where you "would be expected to make a claim was closed and alternative arrangements were not available"

• you could not attend "the appropriate office due to difficulties with [your] normal mode of transport and there was no reasonable alternative available"

• there "were adverse postal conditions"

• you were in receipt of another benefit before claiming JSA and the "notification of expiry of entitlement to that benefit was not sent to [you] before the date that [your] entitlement expired"

• you had claimed JSA in your own right within a month of separating from your partner

• a close relative (i.e. partner, parent, son, daughter, brother or sister) died in the month before your claim was made.

 

 

Maybe the fourth one down applies to you, its not your fault ESA let you know the day before payday your entitlement was to end....

 

If they cant backdate then I think you have may have chance of a crisis loan. You cant live on nothing

What about your child tax credit and child benefit?

Edited by MIKEY DABODEE
Link to post
Share on other sites

we do get ctc and cb, its £58 ctc on fridays and £20 on a tues.

i am going to try my hardest for a crisis loan tomorrow. i am anemic(sp?) so need to take iron tablets with food. also, social services are involved with my 3 year old (messy house, long story). if we dont get gas, leccy, food etc, shel probably be taken.

Link to post
Share on other sites

Hopefully Crisis loan will not refuse you a loan, try asking for JSA backdating you have nothing to lose, social fund will ring JSA and ask them if there is any benefit due to you if you have a new claim in, if you are not due any JSA as it stands they should pay you

Good luck and I hope you sort something out tomorrow

Link to post
Share on other sites

Again good luck with everything. When you are 39 weeks pregnant you could then make a claim to Income Support, this can be claimed untill your new baby is fifteen weeks..

 

Unless your partner has made the new claim to JSA then you can both stay on JSA, or close the claim and you then yo

at 39 weeks can claim I.S for the both of you..

Link to post
Share on other sites

Again good luck with everything. When you are 39 weeks pregnant you could then make a claim to Income Support, this can be claimed untill your new baby is fifteen weeks..

 

Unless your partner has made the new claim to JSA then you can both stay on JSA, or close the claim and you then yo

at 39 weeks can claim I.S for the both of you..

 

I might be thinking of something else; but I'm sure there was something about IS and 29 weeks pregnant?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...