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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Hello

 

I'm new to the forum and wonder if anyone can give me some info.

 

I am 34, currently live with my parents and due to mental health problems have been in receipt of IB for several years. Today I received a letter telling me I will need to apply for ESA which I would rather not do as I know I will not get awarded any or enough points just for the mental health descriptors and I can't bear another ATOS interview.

 

My mum is in recipt of ESA (contribution I believe) she was paid off several years ago due to the need for several operations and she has numerous health problems. Her ESA is due to run out this month and as my father works I don't think she will be entitled to ESA again but she does receive DLA middle rate for care.

 

I am wondering if it would be possible, rather than apply for ESA, to apply for CA and IS? If it is possible, would I still have to attend interviews at the job centre etc even though I care for my mum for over 35 hours per week?

 

Thanks

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Hello and thank you for your reply.

 

Could my mum's benefits be affected if I receive IS & CA? Also, do you have any knowledge of what happens in terms of job centre interviews when in receipt of IS & CA? Would I still be expected to sign on every fortnight and go to job interviews?

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If you receive IS, you won't be required to sign on. If your mother receives a severe disability premium on her ESA, she would lose this.

 

As your mother is receiving contribution based ESA, she does not receive a severe disability premium, so there would be no effect if you apply for CA and IS

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One last question, is it better to apply for IS first or CA first or does it make no difference?

 

Thanks for your help.

 

I would suggest applying for both together

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I would suggest applying for both together

 

But you do need to make it clear that you are claiming carer's allowance when you claim income support. You won't be expected to attend interviews at the job centre, or at least my daughter hasn't had to.

RMW

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

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I have just looked at my letter again and it mentions that income support is being phased out so it's just CA I will be applying for, does that mean I will need to attend job interviews etc even though I care for my mum for over 35 hours a week?

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Income support can still be paid to carers and you will not have to look for work or sign on.

 

Income support is being phased out for those claiming on grounds of incapacity for work.

RMW

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

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On the income support form it asks if you are sick. I have mental health problems but I am not sure if this is what they mean by sick. If I tick Yes, I am sick will that put an end to my claim and if I tick No, I am not sick won't that look like I have been lying whilst claiming IB? It's rather confusing.

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I am going to apply for ESA but if I am told I need to go for a medical, which I don't want to go through again, do I tell the DWP I am withdrawing my claim then claim for IS & CA? Will withdrawing my ESA claim affect the new claims and how long do I need to wait from withdrawing my claim to applying for IS & CA?

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Is there any particular reason why you have chosen to claim ESA, given that you would appear to satisfy the requirements for IS and CA? It would seem to me that IS would be a lot less trouble, and since you are genuinely caring for your mother there's no moral or ethical problem either. It is highly likely that you will be referred for an ATOS assessment if you claim ESA.

 

In any case, if you do choose to claim ESA and are referred for an assessment, you could close your ESA claim and apply for IS. You don't need to wait - you can apply for IS from the day after the last day of your ESA claim.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Hello

 

I have read that IS for those age 25 and over is around £71 per week and CA is £58.45. I also read the following on Gov.uk -

 

 

 

If you get the following benefits you’ll get extra Carer’s Allowance, but these benefits are then reduced by that amount:

  • Income Support

I'm not sure what this means. Does it mean, if I am awarded IS & CA I would receive both of the above payments per week or reduced/no CA if I receive IS?

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threads merged

 

better to stick to ONE thread

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hello

 

I have read that IS for those age 25 and over is around £71 per week and CA is £58.45. I also read the following on Gov.uk -

 

 

 

If you get the following benefits you’ll get extra Carer’s Allowance, but these benefits are then reduced by that amount:

 

  • Income Support

I'm not sure what this means. Does it mean, if I am awarded IS & CA I would receive both of the above payments per week or reduced/no CA if I receive IS?

 

As a single person over 25, your basic weekly rate of IS would be £71. But because you are claiming on the basis of being a carer ("carer" is defined as a person in receipt of Carers' Allowance) you would also receive the IS Carer Premium of £32.60 per week. This would take your weekly applicable amount - that is, your basic payment of IS, to £103.60.

 

Then, of course, you would receive your weekly CA of £58.45, but this will be deducted from your IS. So in effect, you would be paid £103.60 per week as a combination of IS and CA.

 

The same basic rules apply to ESA - a carer premium is available and CA itself is deducted. In the initial stage of an ESA claim, you'd get the same amount of money as if you claimed IS. So:

 

Advantages of IS: No WCA. You maintain your entitlement as long as you are in receipt of CA, and your own health is not an issue.

 

Advantages of ESA: If (big "if") you are found to have limited capability for work at the WCA, you could get more money. However, you might also be required to participate in the Work Programme and you won't be able to avoid the WCA.

 

In the end, we can really only offer you options. You need to decide what's best for you.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Just mentioning that on applying for IS and CA there is usually one interview at the JCP to go through your form. There is no pressure - it's just a face tof ace checking procedure and is a one off.

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Hi.

 

My son claims CA as he is a carer for his dad who gets high rate care DLA component. He found out he was entitled to an IS top up 3 years ago and he has just had his IS claim reviewed but he has had no change to his circumstances so his claim has been renewed at the same rate. He also gets Carer's Credit which is simply a top up in credits towards his NI contributions. ( No money is paid to you for CC)

 

His total claim is £58.45 CA per week

 

IS top up ( I think) is about £54.30 per two weeks although it will be replaced under the Universal Credit system due to be introduced in 2014. Its going to be mayhem when it DOES come . The benefits system is going to go into meltdown. One bit of good news is that CA will NOT be integrated into the Universal Credit Benefit payments.It will remain seperate.

 

I would, if i were you Rapha, continue as you are. if you do go to claim, but be warned! It is tough to pass .You will need to know HOW to fill in the ESA50 form CORRECTLY to stand any chance of getting past the ATOS henchmen and women.

 

All the best to you

 

Kind Regards

Connie

:-)

Edited by ims21
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Thanks Connie :-)

 

I have just thought of something else. A few months ago my mum received a letter stating that her ESA (support group) contributions/stamp would run out on Nov 21st and as my father works full time she will not be entitled to any more ESA payments. She receives DLA middle rate care which was awarded indefinitely at a tribunal. I realise she will have to re apply when PIP starts. Could the DLA be stopped also because of the end of her ESA contributions?

 

Also do they give further notice, as in a letter stating her payments will stop in 1, 2, 3 weeks time for example?

 

Apart from her DLA, if it is not stopped, could my mum be entitled to any other benefit and if so would it affect me if I receive IS & CA?

Edited by Rapha
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If she is in the support group then her ESA should not be stopping. If she is in the WRAG and on contributory ESA then it stops after one year and if your Dad works full time she is very unlikely to qualify for income based ESA.

 

DLA is not contributory so won't stop just because the ESA has stopped.

 

If her ESA does stop then, again because your Dad works full time, she is unlikely to qualify for any other benefit. It won't affect you since your entitlement to carer's allowance is based upon her entitlement to DLA not ESA.

RMW

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

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Yes, my mum is in the support group. I read on either the dwp or gov site that there is no time limit in the support group but is that just the case if you have enough contributions left and get nothing once they have been used up even though you are still eligible to be in the support group?

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Time limiting does not apply to anyone in the support group regardless of whether it's contribution based or income based.

 

It wouldn't be the first time DWP have got this wrong. You need to contact them (or your Mum does) and sort this out before her benefits stop.

RMW

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

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