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    • I think it is too difficult for any party leader to negotiate withdrawal from the EU on their own. It will always be a cross party task, unless there is a General Election and the country gave the the Tories a big majority. But at the moment that is very unlikely.
    • Can anyone help me. I am stuffed.    PayPal allowed me to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   I initially posted this in the wrong place and dx kindly offered some advice.    yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   I am not embarrassed to say that I don't understand how this works and the call to the bank is filling me with dread.    What do I need to say to the bank when requesting a charge back? Does this fall under unauthorised transactions?   PayPal aren't letting me remove the bank as a payment method atm.   Trying to not get my hopes up as this would be so huge for me and my family.    Truly grateful for any help.    Pierre  
    • Thank you so much for the reply and apologies for swearing. Will start a new topic.   Pierre
    • you need to create a new topic of your own please   hit create in the top red banner. please don't swear either..post above edited.   yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   dx  
    • Can anyone help me. I am stuffed because of this exact thing.   I was allowed to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   Nationwide are closed now I will call in the morning to cancel the CPA / DD.   Do I log a fraudulent payment claim against all of this? Or do I not have a leg to stand on now that I have paid? Should I contact the financial ombudsman?    Any advice would be appreciated.   I have payday loan repayments of £1,800 a month atm. and £4k would clear the majority of that debt... I have a 7 month old daughter and my Wife is on maternity etc. etc.   Suffice to say that the situation is dire.    Thanks if you read this far.   Pierre        
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
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      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Ragnbone

Results from Assessment 0 for everything

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I suffer with depression and social anxiety. I attended the appointment with my sister. I am on antidepressants a high dose, on beta blockers and waiting for CBT. I have suffered since a child and only started getting help in the last few years. I scored 0 on everything. How has this happened. We did record the interview knowing last time the interviewer lied about how I answered questions. I sorry for being blunt but feel like giving up on life with no hope everyday is so hard and this is just another worry. What am I meant to do, appealing is such a long stressful process and I don't think I could cope going through that again. It is so belittling. This is messing with my mental health. Please tell me what to do.

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I suffer with depression and social anxiety. I attended the appointment with my sister. I am on antidepressants a high dose, on beta blockers and waiting for CBT. I have suffered since a child and only started getting help in the last few years. I scored 0 on everything. How has this happened. We did record the interview knowing last time the interviewer lied about how I answered questions. I sorry for being blunt but feel like giving up on life with no hope everyday is so hard and this is just another worry. What am I meant to do, appealing is such a long stressful process and I don't think I could cope going through that again. It is so belittling. This is messing with my mental health. Please tell me what to do.

 

Speak to MIND about this. They probably come across this regularly and they should know the best way forward. It might be that you need to get your Doctors to write to DWP, so the decision maker has information available to assist them.


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Hello there.

 

You're doing your best, stay strong and hang on in there. :hug:

 

When was your assessment?

 

HB


Illegitimi non carborundum

 

 

 

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Zero points is the obligatory score for anyone suffering mental health issues, the WCA isn't designed to take into account any MH issues, deliberately so IMO.

 

It took me three years to fight the DWP, but the sense of relief and elation at the end of it when they were proved wrong on every aspect, was immense!

 

All I can say is to appeal straight away, AND get in touch with your local MP, especially if they belong to the self servatives (Tory)

 

Whilst it is still raw emotion for you now, I can't express how much you should focus on fighting them and highlighting their corrupt criminal

process, MIND is a great place to start, there is also Fightback you can find on facebook, although I do believe they have their own website now??

 

Yep here it is http://www.fightback4justice.co.uk/

 

DON'T give up! :boxing:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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So do you feel able to go through the appeal process using the template in the forum stikky here? I know it can be stressful, but I suspect your other option is JSA, which has other drawbacks. Or maybe MIND or Welfare Rights will help you?

 

I agree with BB, 0 points is the norm these days. And as he says, you have to appeal within a month, which is straightforward to do. The effort comes later when you start on the reasons.

 

HB


Illegitimi non carborundum

 

 

 

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Unfortunately, the system now means that you first have to request a mandatory reconsideration. during the time the dwp make their decision, if you require an income you will need to claim JSA. Once the mandatory recon decision comes through, if it is not in your favour, you can then appeal and receive appeal rate esa. It is important that you get as much help as possible to get you through this. If you can get evidence from your gp to support any of the mental health descriptors then this might mean an early decision change and not having to do a full appeal.


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

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Unfortunately, the system now means that you first have to request a mandatory reconsideration. during the time the dwp make their decision, if you require an income you will need to claim JSA.

 

And this is what makes my teeth itch! :-x

 

You won't get JSA if you're unfit for work! You try and claim JSA then they say you can't claim it because your not fit enough???

These crooks have got us over a barrel, absolutely criminal! Get your local MP involved ASAP.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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And this is what makes my teeth itch! :-x

 

 

I'm totally with you on that!


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

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I'm totally with you on that!

 

:thumb: Something I'm quite passionate about, I'd say angry, but I'll put it in a positive light, I can see another letter to my MP about this being sent....:madgrin:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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What would I say and ask my local MP if I was to contact them. How can they help me? Thank you everyone for your replies I am very grateful.

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Hi Ragnbone

 

I'm sorry you are stuck on the process that makes you feel (And a lot of others too) this bad.

 

As others have said, please contact MIND and other support groups. Also keep dialogue open with your Doctor. These things are better tackled when everyone works together.

 

Also Keep a diary from now on. Record things that reflect your life and the descriptors used to determine eligibility. "EG - had no energy as X wasnt available to help me prepare my food" or "Y could not take me to the shop today and I was to anxious to go out on my own, felt sick at the thought" This diary will help not only your appeal but also help you with your discussions with your GP and other medical practitioners.

 

Perhaps the most important thing is to keep your mental health as far in the right place for you as possible in order to make sure you can appeal. If you feel really down please talk to the Samaritans here http://www.samaritans.org/how-we-can-help-you/contact-us

 

Ultimately the medical professionals can help keep you in the right frame of mind to help fight this.

 

And as you have seen from the support here, we can help you with the process to try and end this horrid situation. You are not alone.

 

Kind regards

 

SS


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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What would I say and ask my local MP if I was to contact them. How can they help me?

 

They ''should'' help by raising this in the commons, depending on who your MP is and if they have a spine!

 

Tell them that the WCA is still flawed and unfit for purpose, that they still purposely score you zero points in order that you have to go through the deliberately lethargic biased and skewed appeals process in order that you will a) either give up entirely and not claim anything, b) die of old age or c) commit suicide.

It really is as blunt as that!

 

However, you're not going to do either of those things, what you should do is become such a pain in the backside to this whole corrupt system that the DWP has now become, hammer the hell out of them and complain complain complain.

 

It needs to change, it has to change, and the only way we will be able to get them to change is by highlighting the gross criminal corrupt errors that they commit on a daily basis.

 

I have just read of another claimant who on receiving the copy of his WCA, the HCP claimed that they had turned up on their own, when in actual fact they had their carer sat next to them the whole of the WCA, truly maddening!!!:-x

 

Tell them that now they (the MP) have allowed the system to become as vicious as it has, that you are now left with no income, and you can't claim JSA as you're unfit to work, yet the lethargic appeals process, which they (the MP) have allowed, means that you are left without any income until the MC is carried out, which will again be a whitewash as you already know the answer and they will maintain you're fit for work, so you will have to appeal the appeal (MC) and start the long slog of bureaucracy red tape and deliberately misleading misinformation that the DWP sits out.....

 

You can find your local MP here, and you can also contact them through this site too.

https://www.writetothem.com/

 

This might be of some other help to you as well?

https://www.turn2us.org.uk/


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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It might also help to remind yourself that none of this is personal. There are literally thousands of stories identical to yours where people score 0 on assessment then go on to be awarded benefit on appeal.

 

The sole purpose of ESA is to get as many people as possible off benefit altogether so you can either cave in, claim JSA and ultimately get sanctioned for not meeting the conditions (they should be waived or at least severely modified whilst you're waiting for a mandatory reconsideration on a fit for work decision) or you can sit it out until your appeal is heard and the decision is over turned.

 

Be aware that the decision maker may phone when you ask for a mandatory reconsideration, but you are not obliged to speak to them if you would be more comfortable not. I never admit my name until I know who is calling, and if they won't tell me then obviously it's not someone I need to speak to!


RMW

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

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Be aware that the decision maker may phone when you ask for a mandatory reconsideration, but you are not obliged to speak to them if you would be more comfortable not. I never admit my name until I know who is calling, and if they won't tell me then obviously it's not someone I need to speak to!

 

Very true indeed, good point!

 

Ooh, and what else is a very good point, is to fire off a SAR to the DWP, it's free, and will get everything they hold on file about you, so you can see

if they have any other evidence about you, that you can use to your advantage.

 

Personally I just like the idea of them having to go to all the trouble of trawling their archaic systems in order to comply with the SAR.

https://www.gov.uk/government/publications/dwp-request-for-personal-information just make sure you obtain ''proof of posting'' which is free from the PO counter.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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Please don't give up.

 

I have serious Mental health issues and nerve damage , disc (3) in my neck/back and other problems.

 

I was getting PIP, then had a Atos " assessor" at my door. Never knew he was coming.

 

He was not nice nor understanding. Because of his lies , I was taken off everything and I tried to end my life. I was a complete mess, serious depression, which I would wish on no-one.

 

I contacted my local C.A.B I was overwhelmed with the support and kindness from them.

 

I complained to Atos myself. I could not attend the Tribunal to reinstate my PIP, as I was having terrible panic attacks over it.

 

My C.A.B advisor helped me so much and I won my appeal ( written) and I ended up with the higher PIP rate.

 

My mental state was horrendous at the time, now, I feel so much better. You HAVE to fight them!

 

Look on youtube, type atos.

 

Please, if you need any help or support feel free to ask me anything. I know how you feel, and I PROMISE you, there is light at the end.

 

I wish you the best of luck.

Edited by honeybee13
Pejorative term removed.

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Forgot to add, the assessor denied everything, and of course they took his side. Always have someone with you at any assessment, and record it if you can.

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Oh and yes, MIND were fantastic and Disability rights were amazing too. I know this thread is a bit old, but people are still going through this ridiculous joke "test".

 

Also, the person assesing you, ask them if they are qualified to do that. A lot of concerns about accessing mental health at the moment.

 

A nurse assessed me. NO background at all about my mental health issues! I wouldn't go to a garage and tell them, they are putting the tyres on wrong!

 

In my report the misinformation he told was the catalyst for me. Thankfully the Tribunal looked at my notes properly.

 

Anyone please feel free to ask me anything. I would be more than happy to help.

Edited by honeybee13
Pejorative term removed.

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