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    • Well done on standing up to these clowns  👏   Please update us when they cough up.
    • Hello all, also in the same boat as you with auxillis and car hire costs being disputed by the At-fault drivers insurance company (Aviva).  Husband received his court date this week. The court date is for early March 2021. So 5.5 months notice. The accident took place at Easter 2019.  it is quite nerve racking and although we have been assured that the policy means we are not liable for any costs should the court fail, it is still a worrying time. We have provided all the bank statements etc and because we had a small amount of money in the bank (couple of thousand) we are worried they will say that this was enough to spend on a replacement car. 
    • Well done Paul...delighted you have managed to resolve this.   Andy
    • It is usual policy to commence with a short tem lease, then when this ends to go onto a mothly renewable arrangement. As far as your safety is concerned it will be the same as it has been since the end of your short term tenancy. There is procedure to reclaim the property, but that is through what is called, the section 21 procedure, unless there is arrears, This gives you plenty of notice, talking months. If you are worried , the best thing to do is to talk to the new owners or their letting agents. It would be good to see the new contract the agents have given you.
    • Thank you.  Threads that point to success - or to mistakes - are very useful for motorists that will come on here in the future.   What you have done is utter insanity.  Despite being given on a plate two threads where motorists beat Athena in the same week as your case you've gone and handed over money to the fleecers.  It doesn't take much to work out that (a) not handing over money you don't owe to conmen is a better strategy than (b) handing over money you don't owe to conmen then trying to get it back.   The amount was never "going up" from £45 to £90 because it was never £45 in the first place.  It was always £0.  You were being charged for overstaying by eight seconds which is legally "de minimis" ("the law does not deal with trivialities").  You couldn't read Athena's signs anyway as the car park was pitch black!  Etc.  Etc.   Athena's position will be that you admitted the debt (otherwise why did you pay it?)  I hope chargeback goes well but often it's a battle to get banks to carry out chargeback and they will understandably be bemused as to why you paid this money if you thought you didn't owe it.  Bluntly you've just made life a million times harder for no reason.  It's like a football team manager who instructs the players to score two own goals in the first minute and then try to win the game.     That said, go for chargeback and good luck.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
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      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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Hi All,


My mum who is 74, and working full time for a big food retailer needs to retire. I have manged to convince her that she needs to quit her job, and move back near to me.


She called the HMRC to ask about her state pension, and apparently its only worth £44 per week! not sure how thats possible, but anyway, she can apply for Pension Credit to receive the minimum £163. still rubbish. but hey.


So the issue is around housing benefit. I have recently got a second property which is a 2 bed flat. I have convinced my mum to accept moving into this at a cheap rate. I could rent it privately for £875 a month, but, clearly i cant do that to my mum. I do need to clear £650 though to break even on my expense.


Anyway the question. She hasnt quit yet, will do this in the next couple of weeks, but i shall start the process to apply for pension credit as soon as she does, but what about housing benefit?


Is it better for her to declare the real rental value of the property £875 and hope she gets more benefit allowance which would help her or because she is on her own, and should not be in a big property she claims for the reduced amount that i happy to let it for to her at £650?


Because of pension credit will she get 100% cover or reduced because of 2 rooms. it does not seem clear. if she isnt going to get 100%, then it seems sensible to me to claim the higher amount so that any shortfall is closer to the £650 making it not reliant on her to use any of her meagre £163 pension to cover rent.


Id like to help her out and claim the higher amount so she has more, but am weary that a claim could be challenged

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Hello and welcome to CAG. People should be along later to advise you.


I think you need to check out the rules about renting a house to a relative before you go much further so that you don't have problems in the future.


Best, HB

Illegitimi non carborundum




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Housing Benefit: Renting from Relatives





How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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document above now working

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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Because of pension credit will she get 100% cover or reduced because of 2 rooms. it does not seem clear. if she isnt going to get 100%, then it seems sensible to me to claim the higher amount so that any shortfall is closer to the £650 making it not reliant on her to use any of her meagre £163 pension to cover rent.


Id like to help her out and claim the higher amount so she has more, but am weary that a claim could be challenged


As long as you would otherwise rent the property out on a commercial basis, there should be no issue with her claiming housing benefit. As it is a private rental, there will be no reduction in housing benefit for spare rooms, bedroom tax does not apply in the private sector but only for social housing.


In private rental, she will receive local housing allowance for the postcode which the property is in. She'll receive up to the maximum rate for a one bedroom property if she is entitled to the maximum rate of LHA.


You can calculate how much rent she will receive by using the one bedroom entitlement and entering the postcode here:




You should also check if she is entitled to the full LHA rate by entering her details here:




Depending on her LHA entitlement and the LHA rate for the property, it is possible that she won't even receive £650 per month.

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