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    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
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evule1

Overpayment of JSA

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I need some help with a JSA overpayment, please.

I am working. My partner is unemployed at the moment and as I don't earn enough money we have a JSA claim together. The claim is in my partner's name.

I changed an employer almost 3 months ago and we immediately informed the JCP. We always supply all the information in time and my partner is taking my payslips and the completed B7 form every time he signs on.

We were informed that it may take some time for the Benefit Centre to process our claim as there is a backlog of one month.

Two months later there was no answer so we called them. And not just once. We spent around £30 on phone calls to JCP Benefit Centre trying to tell them that if they don't sort it out soon they may overpay us.

JCP sent letters to my current employer asking her to fill in various forms about how much my partner earned there. We corrected them saying it was actually me who is working and they should know that. So my employer filled in all they wanted. Several weeks later, hours in phone calls and endless visits to our local JCP office we thought everything will be fine just in time for Christmas.

What a nice surprise when we received a letter on Saturday 27/12/12 dated 20/12/12 informing us of an overpayment of £290.60 for the period of 19/10/12 - 15/11/12 plus civil penalty amount of £50 totalling £340.60!!!

Aparently we did not inform JCP about the changes in time. And I had two jobs in that period. Neither of which is correct.

I calculated that there is an actual overpayment but only about £68. I am quite happy for JCP to take that back although it shouldn't occur in the first place. What I am not happy about is the maladministration.

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Hello and welcome to CAG.

 

I'll move your thread to the benefits forum, where people should be able to advise you. I'll leave a short term redirect on this forum.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Do you have any evidence of what you're saying with regards to the overpayment?

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I think I would ask them to take me to court for it and you will make a counter claim for the expenses their incompetence has forced on them.

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We have photocopies of some forms but not all as we did not expect this to happen so we were just supplying JCP with what they asked for and not thought anything of it.

About a month ago we were adviced to start taking copies. Just in case.

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You can send them a subject access request which gives them a statutory time limit on supplying you with everything they have on you including all correspondence. Max cost £10 so send a cheque for that amount.

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That's nice to know. They must get it in some other way as they will never be out of pocket.

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Who do I write to for this SAR, just the jobcentre?

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Who do I write to for this SAR, just the jobcentre?

 

Send it to the Benefit Centre that processes your claim, not to the Jobcentre where you sign on.

 

If you can prove what you say here (that you did inform them of the changes in your circumstances) then you have a good case that the overpayment is due to official error and therefore not recoverable.


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

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The address of the benefit delivery centre (BDC) should be on any letter you receive about your benefits.

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Appeal the overpayment immediately on grounds of official error. These overpayments are not recoverable under social security law - even the bit of the overpayment that is correct.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Thank you for advice to everybody who wrote.

 

We appealed, supplied the JCP and the Benefit Office with some more forms they required and put in another official complaint. We also wrote to our local MP.

So far we only had reply from him saying that he is looking into it. We had no replies from the JCP or the Benefit Office.

 

If anybody has any other valid comments or ideas, please write.

 

You were all most helpful. Thanks again.

 

evule1

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Hi everybody,

this is a little update on my last post.

Great thanks has to go to everyone who helped in any way. We had the decesion overturned and the overpayment wiped out. We also received a letter of apology from the Benefit centre manager.

It pays to fight for the right thing.

Thanks again

evule1 :)

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That's great, I'm so pleased. :)

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Excellent, and thanks for coming back to let us know. This will help future CAGgers with similar problems.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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

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We had the decesion overturned and the overpayment wiped out. We also received a letter of apology from the Benefit centre manager.

 

I had a similar experience a couple of years ago working part time temping. Each visit to the JCP, I would fill out the forms, watch the advisor complete the screen work, and then get copies of all the paperwork. After about two months, the working hours started to ramp up so I signed off and got an demand for overpayment a few months later. What narked me was the "because you haven't told us of..." statement. After a couple of strongly worded letters, the last including the line "If I am now expected to maintain records to cover for the institutional incompetence of your staff, kindly instruct your procurement department to contact me to discuss conditions and fees to access the data."

 

The "debt" was written off, but no apology was ever received, so I'm still annoyed with the muppets over at Cheltenham.


PLEASE HELP US TO KEEP THIS SITE RUNNING

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