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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Hello, I hope you're all well, I just wanted some advise on my debt situation. So currently my debt is a total of £17,000, 7k to Amex and 10k to TSB as a loan, now I have never missed a payment and I have always been on time but I have had some personal circumstances that mean I need my money and I cannot afford to pay these loans off for the time being. I'd need around 4/5 months and then ill be able to start making the payment again, I've been reading on the forum and I have seen many options but I'd like to know what the best option for me is. I don't want and IVA or DMP and nor do I want to go bankrupt. I've read about defaulting and minimum payments etc, Say if I didn't pay anything for 4 months or maybe paid bare minimum then once the 4 months is over I make up for the payments? Sorry If I sound stupid but I am just trying to figure out the best option before doing something stupid and going for an option that is more feasible. Thanks
    • lolerz
      Help understanding online HMRC account and National Insurance amounts

      By lolerz · Posted

      For NI it depends on how you pay. Pension Contributions come out via your gross pay as a deduction = You pay NI. Pension contributions come out via salary sacrifice = You don't pay NI. You wouldn't pay income tax on it either way.  
    • gerson
      Help understanding online HMRC account and National Insurance amounts

      By gerson · Posted

      Hi Isn't the pension contributions tax exempt - so take Gross - pension = taxable income?? Obviously the Tax Codes and Thresholds will play a part in the calcs as well G
    • jk2054
      Evri lost my Ebay parcel £844 - court claim issued

      By jk2054 · Posted

      Yea the counter is open 10-4 apparently but in reality if you go to the court and go to secuirty just refuse to go away and ask them to call the civil team they will eventually and they'll take the payment  
    • gerson
      Contact HMRC for Death of Family Member

      By gerson · Posted

      Update My insurance declined the claim since lung cancer was a 'pre-existing' condition at the time of booking Will try and ask BA to reconsider, otherwise I will lose several hundred pounds Probate (or rather the equivalent here in Malta) is completed and took 2 weeks from receiving the official death certificate Have now sent off all the necessary closure forms to Pension, Insurance, UK Bank, etc. Just need to visit the embassy to have her passport cancelled G

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Turned down for ESA, can't believe it !!!!

clairecmitch

By clairecmitch
in Benefits and HMRC

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clairecmitch

clairecmitch

Posted
Posted

My partner has just called the benefits peeps to chase up his ESA claim only to be told that there is a letter in the post with an appeal form on it's way to him as he has been turned down for ESA.I can't believe that they have come to this conclusion and fully intend to appeal and take it as high up as possible.My partner was born with no fingers on his left hand as a result of thalidomide. Being born with this he knew no different and lived a totally normal life, running his own businesses and never claiming a penny from the social.Sadly, due to him compensating by using his right hand more, he is now riddled with arthritis in his left hand side and is losing sensation in his right hand. This results in him dropping things and being unable to form a secure grip on anything.How the hell do they expect him to work like this !!!!!! Even our doctor told him that he should have stopped working years ago to prolong the use of his right hand.The benefit system in this country is so wrong and corrupt. I am totally disgusted and it's all I can do to stop myself calling the offices and tearing them a new a***hole !!!!!!!!Sorry for the rant but as his carer (without benefit) seeing him struggle every day is breaking my heart

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clairecmitch

clairecmitch

Posted
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Posted

He already gets £78 per month DLA. Sadly it doesn't go very far. We're just existing on my wage and I'm sure he's feeling very much emasculated at being unable to provide any income.I guess we'll have a look at how they came to their decission and take it from there. I just can't imagine for the life of me how they came to this conclusion ????

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RaeUK

RaeUK

Posted
Posted

claire, it's nothing new and nothing personal. The system is designed to ensure maximum failure. Welcome to the caring, sharing, UK, 2012 style. Best wishes with the appeal ...

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feelingsad

feelingsad

Posted
Posted

Sorry to hear this Claire, it is sad times right now. Definitely appeal. If successful and put in the WRAG he would be entitled to contributory ESA for one year if he has paid enough NI contributions of the right type, after which he would only get ESA if he qualified for income based ESA which would depend on your wage and incomings as a couple. Still, it is a year he would get and worth fighting for even if he was put into the WRAG. If he was placed in the support group he would qualify for contribution based ESA after a year if the right type of NI contributions were made in sufficient amounts.

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Nystagmite

Nystagmite

Posted
Posted
If he was placed in the support group he would qualify for contribution based ESA after a year if the right type of NI contributions were made in sufficient amounts.

 

eh? You don't get the right NI contributions on ESA to qualify for contributions based benefits - that goes towards your state pension.

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Astro1

Astro1

Posted
Posted
claire, it's nothing new and nothing personal. The system is designed to ensure maximum failure. Welcome to the caring, sharing, UK, 2012 style. Best wishes with the appeal ...

 

100% correct, the system is designed to for maximum failure rate.

If you google 44_fit_for_work_small you can read the report that set the latest wave in motion.

Some of the other sites that refer to this report also have some interesting content.

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worried33

worried33

Posted
Posted

he probably got turned down due to how the new asessment works.

 

eg. if they decide he can walk or use the phone (one hand to hold phone) then they see it as fit for work. Its stupid but its about what one can do now rather than what they cant do.

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poollie1

poollie1

Posted
Posted (edited)
Sorry to hear this Claire, it is sad times right now. Definitely appeal. If successful and put in the WRAG he would be entitled to contributory ESA for one year if he has paid enough NI contributions of the right type, after which he would only get ESA if he qualified for income based ESA which would depend on your wage and incomings as a couple. Still, it is a year he would get and worth fighting for even if he was put into the WRAG. If he was placed in the support group he would qualify for contribution based ESA after a year if the right type of NI contributions were made in sufficient amounts.

 

He will only get CB ESA for one year if he qualifies for it for one year, what if the HCP decides he will be fit for work in say 3, 6 or 9 months??. Last November the prognosis on my medical report said, able to return to work in 6 Months, another ESA50 just dropped on my doormat end of February just posted it back, if I fail this time around I will have only qualified for at the most 5 months. So strictly speaking you only get 12 months ESA CB if you qualify for the full 12 months, after that you are not entitled to CB ESA regardless of how many National Insurance Stamps you have paid.

Edited by poollie1
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Nystagmite

Nystagmite

Posted
Posted
I don't understand what you are saying Nystagmite. I was talking about who qualifies to receive ESA and who doesn't, I wasn't talking about the stamp that is paid for you while you are on benefits.

 

You said if in the support group, he would qualify for the contributions based after one year - he won't.

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poollie1

poollie1

Posted
Posted (edited)
He would, see http://www.dwp.gov.uk/adviser/updates/changes-to-contribution/ contributory ESA only stops after one year for the WRAG not the support group.

 

Think what Nystagmite is trying to say is that Support Group has nothing to do with Contributions Based ESA. Sorry I"m getting confused now, its being in the Support Group that qualifies the claimant to continue after 12 months , not as you are implying that he would qualify for contribution based if he was in Support Group, all contibution based ceases after 12 months, the only way you would continue to receive ESA after the 12 months is if you qualify for IR based or you are placed into the Support Group.

Edited by poollie1
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feelingsad

feelingsad

Posted
Posted

I phoned DWP jobcentreplus and they said that contributory employment support allowance is not time limited for the support group but is time limited for the WRAG and it is contributory ESA that people can get for longer than a year for ESA if in the WRAG

 

This site wont let me put benefitsandwork links here but that site says clearly that is the case

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poollie1

poollie1

Posted
Posted
I phoned DWP jobcentreplus and they said that contributory employment support allowance is not time limited for the support group but is time limited for the WRAG and it is contributory ESA that people can get for longer than a year for ESA if in the WRAG

 

This site wont let me put benefitsandwork links here but that site says clearly that is the case

 

I am confused now, ESA is not time limited if in Support Group, that is correct, CB ESA is time limited to 365 days if placed into the WRAG group, that is correct, but then you go on to say, it is CB ESA that claimants can get for longer than a year if in the WRAG????, am I missing what you are trying to say?? or are you contridicting yourself, very confused now.

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worried33

worried33

Posted
Posted

what does this mean?

 

"to prevent any new claims for ESA on the grounds of youth "

 

also they scrapping the linking rule, is that what allowed someone to try work without risk of losing their benefit if it didnt work out?

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