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    • can you please refrain from using any hosting sites now please   read our upload guide carefully (esp about using pdfreducer websites) and pop the PDF up here.   can you also rotate the images!!   thank you
    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
    • have you not been reading up here since you came here... cag is self help too!!   it's imperative you understand what to do as the claim progresses and what's to come and how to react.   100's of like threads here    use our search top right    PCN claimform     
    • Hi Yes salary sacrifice at 20% of our monthly salary for 3 months and then paid back in full in December  Thanks again Ian
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Disabled mum considering working from home..


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Hello one and all :)

 

I am a disabled mum of a disabled little boy, and my husband is both our full time carers.

 

I have M.E. and severe anxiety problems. I was on incapacity benefit since 2007 and recently changed over to contribution based ESA in April, placed in the WRAG group. I have my first work focused interview later this month.

 

I can't think of any job that I could actually do if I was employed - I don't know how I'm going to feel from one day to the next. I suffer with severe fatigue and muscular pain and some days it takes my husband an hour to get me dressed.

 

I was thinking of maybe starting to work from home doing something like selling breastfeeding bras and breast pumps, or Hiring out baby slings etc but I worry that this may cause more stress than it's worth.

 

How would this affect my benefits and would I need to get insurance or do yearly tax returns? I ran a small market stall in 2004 when I was in my early 20's and I know the ins and outs of running a small business but since then I have obviously got ill and my health is not going to get any better.

 

I need to be at home for my little boy too as he is still breastfed and needs a lot of help and constant reassurance from me. He is 3 years old next week (please no negative comments about breastfeeding).

 

Any advice I would be grateful for. Thanks.

Edited by Conniff

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You said that you have a work focused interview later this month. It might be worth asking them. What other benefits do you receive? if you're on contribution based ESA, your ESA won't be affected. If you receive income based benefits, such as housing benefit and council tax benefit, they might be affected.

 

Good luck with whatever you choose.

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As Nystagmite mentioned, the Permitted Work Scheme may be the way to go. Off the top of my head, you can earn up to a maximum of £95 per week on top of your ESA and still retain full HB and CTB. And just as importantly, prescriptions etc! You can work up to a maximum of 16 hours per week. It covers self-employed and working from home. For self-employed, remember the £95 is earnings not turnover :) Your advisor at your WFI should be able to answer your questions and help ...

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Guest amianne

As you are on contribution based ESA, this will run out after 365 days from when you were put in the work group. Is your husband working? If not, I presume that he is claiming a means tested benefit which will be reduced by the ESA you are getting.

 

I was going to mention that maybe he started up the business and provided that he could prove it was a viable entity and that he worked the required hours, he may be able to claim WTC's. He would of course lose his benefits. It will be something that you should play around with by looking at various scenarios using one of the many benefit (better off) websites.

 

Have you not thought about trying to up your DLA - has your child received a DLA award?

 

Having said all of that DLA will be closed down from next April and you will eventually have to be re-assessed under the much stricter tests of PIP. They are expecting that those on the low rates of DLA will lose out altogether and even those on the higher rates will drop down to the new low rates, with those on High mobility losing out completely if they are not confined to a wheelchair or don't have severe mental health issues.

Also Universal Credit will start next year which will replace ESA, JSA etc again with much stricter criteria.

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