Jump to content


  • Tweets

  • Posts

    • Well, it's isn't a premium car, it's a Golf TDI in pretty good condition with 100k on the clock. I just thought I'd ask the question, but I accept that there's probably nothing that can be done in this case. 
    • Change the rules now, and set a precedent for ever.
    • 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
  • Our picks

    • 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.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      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
        • Like
      • 0 replies
id665310

ESA medical this week - soliciting views and so on from my fellow assailed parties

style="text-align:center;"> Please note that this topic has not had any new posts for the last 928 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have got my second assessment for ESA on Thursday, presumably with Maximus this time unless they too have been sacked? I had been away for four months from the flat I've lived in for 21 years and feel a bit panicked to learn of this appointment being so near ( and this time it's due so early in the day that the train fare will be double). This is in part because I am severely stressed out because I already have another concurrent fight on my hands with the local council over its handling of a violent and antisocial neighbour (documented on another subforum here). When I was coerced back to the flats by the council I began to get heart pains of the same kind I'd got when my neighbour threatened me for making complaints. The initial period of pain died down after thirty hours but has begun again. I will go to my GP about this but I'm not happy to be reporting a more or less new health issue within a few days of an assessment, because of how it might be viewed with suspicion. Having had something very like a heart attack at 29 as a side effect of antidepressants I'm seriously concerned about this heart issue, though a visit to A&E last week showed nothing up. I am vividly aware as I type though that something is not right. There is pressure in my heart or a feeling of a knot. It's actual and not merely chemical/ psychological even if aggravated by an emotional state I'm trying to combat with breathing.

 

But I'm more concerned about whether I have the energy for another fight over all this. I am half angry, half exhausted. I believe that if I still allowed myself to risk the involvement of professionals I would have been diagnosed with bipolar disorder by now because of the extremity of the swings but it is some bind when you are utterly exhausted part of the time and full of rage the rest of it.

 

We could say that having been through one of these assessments I know the lie of the land - and it certainly is a lie and not a lay - but I read that for example that some symptoms/sentiments that arise from mental health issues (which I've learned I cannot discuss here, which I accept) which six months ago were cause for assessors and DWP staff to treat an individual with caution, are now indiciators that an indivisual should be pushed firmly towards the workplace, despite an apparent overall impression given in the media that there should have been a moving away from the aggression of these asessments experienced from 2011-2015.

 

I am going to ring to assert that I will be recording my assessment as last year's assessor lied repeatedly in her report, which I was going to use at the tribunal. A leaflet tells me I can use my equipment and that's how it's going to be as I have no reason to trust these people.

 

I was put in the Support Group last year but only short term. I had applied to go to tribunal but this was cancelled without my say-so when the one year Support Group was decided upon. Someone senior in the Dispute Resolutions team actually rang me, and even by coincidence had agreed with a colleague on calling the dogs off on my birthday. I want to ask to speak to him tomorrow or am considering writing a letter to ask for this to be viewed in conjunction with Thursday's assessment. I do not have room for manouevre financially for any ESA cut. I have thirty quid in the bank to last nine days and no savings. I have nothing left to sell because the other business with the council led to me selling everything to pay to keep a roof over my head somewhere safe over the last four months, though I slept outside sometimes too.

 

Last year as I was under attack by the DWP and my neighbour's behaviour at once I developed for the first time in my life a period of binge-drinking. In the second half of my 30s I didn't touch alcohol, and for most of my adult life I could take or leave it and went for weeks without a pint. For several months last year I was losing my memory about three times a week, falling over, having to bin clothes that became scuffed and torn. I was shocked out of it once a friendly waitress saw me staggering around, and then when a stranger approached me who'd guided me home. I'm not ashamed but it's pretty horrifying to be pushed into uncharacteristic behaviour without personal precedent, and I resent this period. I hadn't slipped back into this until Thursday just gone, and hope that was only a blip and not new stresses.

 

Additionally, being angered by this new medical I have decided to stop being a mug over something that happened around twelve years ago. Before the advent of ATOS and the like I had a medical in the same building when I was on SDA. The doctor who did it carried out an act of aborted sexual abuse. I don't know if you can understand but at the time I could hardly believe it, and then felt fearful of rocking the boat due to my need for my benefits. Now though, feeling harrassed and angry I want to go to the police and pursue things. If a celebrity's abuse form forty years ago can be pursued then so can this. I would have no trouble identifying this person because I remember his manner vividly. At present I'm intending to go to the police station on Tuesday, will explain what happened and then ask if there are records of other complaints having been made with reference to the same building. I am not going to back out of this now but I suppose need to prepare myself. There are no doubts in my mind regarding what happened - it was nothing whatsoever to do with the medical and a clear assertion of power. I am absolutely aware that people do worse as one family member suffered horrifically and so did someone I was engaged to, but as this person has or had a position of power which has continuity with the comparatively respectable veneer of Maximus's power I want him dealt with.

 

I will soak up anything helpful anyone wants to say here but at times I feel like walking off the grid altogether nowadays. I have thought of turning myself in to a hospital but fear losing autonomy regarding diet and medication. I spent a weekend in a particular creed's monastery a decade ago and remember they had a 'lay monk' there, a man who basically mucked in but had not adopted the garb, and who seemed to have retreated from comparable aggravation in the regular world. I've considered going there but do not really have the conviction of that creed despite sharing some agreement with it.

 

Sick enough also, despite being aware of what I'd been put through last year several people in my family voted Conservative and didn't hide the fact. Sometimes sitting down with them and acting like they hadn't put a cross in box that could have a very dramatic consequence you do feel that family life has become farcical.

 

Thanks for your time.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...