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    • Correcting a prior post. Oliver at least got fed every day didn't he. Tories will see the kids go without food for a week or two wont they.      
    • It was because the last day fell on a weekend so they had until the end of yesterday to reply. No reply and I have Requested Judgement this morning, I have requested full payment by the 3rd November. I think a week to for the to resolve is reasonable. I don't hold much hope of them even responding to that so feel it will need to be taken further.   What is my next step if I don't receive the full refund by 3rd November?
    • I did see that but I haven't seen any announcement.
    • Dodo is just a scapegoat - and well rewarded at that.   So here we are about 8 weeks and approaching 2 months from: (during which failing to even collect 250 spit samples a day  @£500M)   BBC Breakfast - Matt Hancock on coronavirus testing (03Sept20).mp4
    • Good morning,   Thanks for the reply.  This gym involves Legacy Leisure, the gym I use is Rutland Sports Park, though my account is linked to Friesland Sports Centre as that’s where I initially signed up (they have 5 different sites all working as one in this area).  It was a council owned and run gym before they brought in this third party to do it for them (and reduced the quality, but that’s a story for another day).   As suggested I have cancelled the direct debit.  I received another email last night telling me that they would freeze my account for a further 6 months for an ‘admin fee’ of £5 per month.  I will be telling them that’s not good enough.   Apparently I owe them £25 for an admin error on their behalf from about a year or so ago (they mentioned this at the time but said they would look in to it, and never mentioned it again).  I’m happy to pay what I owe outside of this £26 28-days notice fee.   So: what should I do next?   Thanks again,   Sam
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      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

If I have been helpful in any way, please tip my scales :lol:

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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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