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    • @BankFodder the police officer has contacted aviva her response below she has asked  them to hold on the money front      AVIVA have replied and i have requested to put the request for money on hold so fingers crossed this request is accepted.
    • damn!!   start another thread it's war i have an idea what has caused this then   can you copy and paste this text as your 1st post please (was post 1 from the old thread)   ....................................   I am a regular (many years)  P2G user and selected them to use Parcelforce 48 service to send a gazebo I sold on eBay.  Parcelforce 48 have an automatic max £100 compensation for lost items.   Parcelforce lost the item. P2G state the £100 compensation Parcelforce offer within their price, does not get reimbursed to them, so they can't reimburse it to me. However, it would have been reimbursed to me had I used Parcelforce 48 direct, rather than go through P2G.    It seems rather strange that when I pay P2G to buy Parcelforce 48 service on my behalf, they buy a different service which excludes the automatic compensation.   They also lost another £40 parcel (which I did not buy additional insurance for, because it was an excluded item).   They also broke an item prior to delivery (which the addressee rejected as it was clearly a damaged parcel). The thing is, if a parcel is rejected by the addressee, what should they do with the failed delivery?   In this case they threw away the parcel and 'broken' contents rather than return to sender and refuse to compensate me because I (again) did not buy the additional insurance.   I have escalated the rejected claims and they agreed as a gesture of goodwill to reimburse the postage costs for all three items. (I would have expected this as a matter of course) .    Clearly many will consider I should have bought the extra insurance. I often do, but feel the extra costs involved would be greater than the odd loss ( having never had a loss in a couple hundred sendings), I only pay extra on certain items.   I feel a summons coming on, so would be happy to receive any ideas. Even if P2G have a rock solid defence regarding my lack of buying insurance, I still fancy testing their resolve and seeing if they fancy a hearing.      After escalating my claims, they agreed to refund the postage costs only.   I have therefore issue a Notice Before Action for the value of the lost items £180.   Notice Before Action Dear Sir/madam You have lost the following items. 1)      1 2)      2 3)      3   I understand you eventually accepted liability for these lost items and have agreed to reimburse the postage costs but not the values.   You suggest this is due to my failing to take out additional insurance.   I am not prepared to accept your position and shall be issuing a summons on 18th August for £180, should you choose not to reimburse the values allocated to the items you have lost.   In particular: Item 1) This parcel was damaged by your courier and rejected by the addressee. It appears rather than return the parcel and contents to me, your courier decided to throw the item away. Thus the item has become lost, and therefore (due to my not paying extra for insurance against loss), you have chosen not to compensate. Do you seriously expect to ‘lose’ an item on purpose by throwing it away, and then claim it has been lost and therefore not covered?   Item 2) This parcel was lost and I made a claim. During the period of claim, the parcel was found and began to track. Ultimately being delivered (according to an email to the addressee, at 1.41 am 19 July 2020). Clearly the parcel was not delivered at such a time.   You have subsequently suggested delivery was at a different time. Despite these suggestions of proper delivery, you have been unable to prove delivery at all, the addressee has confirmed he has not received the item and you have accepted the item is lost.  I do not accept you can be so careless as to lose an item twice.   When I purchased this sending through P2G, I selected Parcelforce 48 as the courier. This service has a compensation value of up to £100 for loss. This is why I selected them.   It appears however, you chose not to purchase this service from Parcelforce, but an alternative service purporting to be Parcelforce 48, but excluding the standard compensation.  This is not what I had purchased. I do not accept your claim that I should have paid extra for insurance for you to insure, when I had already purchased a service which carried automatic insurance.   Further, the service was supposed to be a 48 hour service. The parcel was not collected within the 48 hour period, let alone delivered within it.  I consider the delays in ensuring delivery within the expected timeframe would have contributed to the loss of this item. I hold you responsible for the loss.   Item 3) This item was also subject to a claim for loss. During your investigations, this item was also found and started to track. Messages advising  "Enquiry resolved", "INT Hold" and "Out for delivery”, suggest the item had eventually been found.   I do not accept you can be so careless as to find a lost item and subsequently lose it again, regardless of whether I had purchased additional insured.   Indeed, the option to purchase such insurance was not available as the item appears to have been excluded from such insurance.   Yours faithfully      
    • Lowell? Payday Loans? Byekkkkkkkkkkkkkkkkkkk - Thats not been seen before...
    • Discover this Traineeship opportunity with Royal Mencap and #CreateYourFuture View the full article
    • posts copied over  try posting here now it's war.   dx  
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Job Seeker Allowance predicament


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Hi there I have just graduated from university and currently living with my girlfriend, who is still a full time student, in a privately rented one bedroom flat. I am currently looking for work, but due to lack of jobs and coming up to Christmas I filed a claim for jobseekers allowance at the beginning of September. I was advised to apply for a joint claim with my girlfriend as we are cohabiting, and thus she had to apply for an exemption as she is not applicable due to her studying. Nearly two months on, missing paperwork and dealing with uncaring, uninformed staff we finally received a response to inform us that we were not eligible for any allowance. We followed this up by calling the given 0845 number and were told by a particularly rude advisor this was due to the fact that my girlfriend’s student loan covered the government’s advised living allowance of £111.45 per week. I myself am in receipt of housing benefit, but my girlfriend doesn’t receive any other money, and her loan barely covers her share of rent and bills each term.

All things considered, could anybody help by answering a few questions I have:

Is this a valid reason for denying my application? Is there any point in disputing the denial?

Was a joint claim even the right claim for us to begin with?

Is there any other financial help that we could be eligible for?

What is the legal standing if I now changed my claim to a single claim despite us continuing to live together?

Other information which may be helpful is that we are both 22,have little to no savings and while we have both worked previously we have not saved up enough national insurance to be in receipt of the class 1 national insurance contribution allowance.

 

Any help or advice would be really appreciated as we are stuck with how to proceed.

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Whilst I'm no expert on JSA I do know that as you are living with your girlfriend you are obliged to make a claim as a couple and all household income, including your girlfriend's grants and loans, will be taken into account. Under no circumstances can you make a claim as a single person whilst living with your girlfriend and to attempt to do so is likely to get you in to trouble.

 

You say you get help with the rent - is that a joint claim as well, as it should be? Do you also get help with the council tax?

 

There is a website called 'entitled to' (sorry I don't have a link, but it might be in the forum stickies) where you can check if you may be entitled to any other benefits, but unless one of you is sick or disabled I think you're stuck.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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You should also be getting a single person (25%) council tax discount as your girlfriend is a full time student.

 

As for making a single claim - it would look a bit odd if you make a joint claim, get rejected and then try to make a single claim. Cag doesn't advocate fraud.

 

There might be some help from your girlfriends' university.

 

The website is http://www.entitleto.com RMW.

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Yes your partners student income is take into account so your income based JSA will be affected and reduced accordingly.

The joint claim wa the correct way of claiming as she is a student and therefore not able to sign so the exemption was correct it would only have been a couple claim if you have young children within your claim.

You cannot claim as a single person as you are not single you are part of a couple and a single claim would be fraudulent sorry.

 

The only other assistance will be in the form of help with housing costs via the local authority.

You can continue to attend the JCP for signing and the appointments which will keep your NI contribution record up to date you will then be able to access the support that is available via the JCP services (training courses, work experience etc)

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Be very wary about continuing to sign on just for NI contribution. Some training courses and work experience are compulsory and not always in an area that will help you find a job in your chosen sector. Then there is the dreaded Work Programme, which you may just be dumped on without a choice.

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