Jump to content


  • Tweets

  • Posts

    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Separation, renting house, benefits


emilyna
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3222 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All.

I am currently living with my son at his fathers house and my son has a disability (Receiving level 2 DLA). Relationships with his father always were difficult but we kind of tried to have some relationships sharing house on a part time basis (he used to work and live part time abroad, now he works In the UK but it takes 3 hours travel to work and he is staying near work part time (currently renting a flat).

 

Financially we had an agreement that I pay him part of the mortgage as a rent but with the time as expences for our disabled son increased I have stopped paying this part of mortgage (but was paying all was required for our son and other expences). Rent payment was not formalised and we had verbal agreement and in was captured in old email.

 

Now we are definitely going through separation on the basis of multiple adulteries and other problems. Sharing house with him becomes too difficult for me. My situation at work also become bit shaky and I am afraid I may loose it soon. Our son is autistic and changes are extremely difficult for him so from this point of view will be better if I and my son will stay in the house if possible.

 

The question is if we stay there would the rent agreement be legal and will it allow me to receive benefits? For the child's benefits we need to keep for him everything as consistent as possible, as few changes as possible. But if his father will stay in the house from time to time would it affect my benefits? Clearly for autistic child this will be too unsettling if he will have to be taken to other town regularly to see his father when we actually can at least try to keep this aspect of our life as it was.

Edited by antone
Formatting only - no content changed
Link to post
Share on other sites

Living with an ex partner can and does cause issues with benefits. The situation can be seen that you may be living together as a married couple, if so then the different agencies may not see this as a single claim.

 

 

Please have a read here http://www.advicenow.org.uk/articles/if-benefits-office-believe-you-are-living-together or read the attachment which is a PDF. Once you have read the link and attachment and have further questions please ask away...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

you would not be eligible for Housing Benefit, so it would be up to you to pay the rent out of whatever other income you have

 

do you receive maintenance from the father?

could you come to an agreement where by the father would provide the accommodation instead of maintenance?

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

Link to post
Share on other sites

Thank you mickeymack, very useful documents.

Looks like I will be able to claim tax credits but to claim housing benefits we need to move out.

 

I may receive accommodation instead of maintenance, but I will loose maintenance then. As I understand normally maintenance would not affect benefits.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...