Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Benefit sanctions decrease as age increases


Recommended Posts

I have looked at a few graphs and charts that show this kind of information:

https://www.cabwiltshire.org.uk/images/sanctions_by_age_groups.png

https://www.gov.scot/binaries/content/gallery/publications/report/2018/10/2018-annual-report-welfare-reform-9781787812628/00541551.jpg

 

And the thing that I wonder about is, why do less benefit sanctions of any kind get applied to older people as opposed to the young?

 

My thinking is that the young should be encouraged to work after leaving education, and most of them have the support of their parents, so that's why sanctions are so high there. But as the age increases, the sanctions fall. Is this an acknowledgment by the UK GOV and DWP that older claimants are less likely to find work, and so the work coaches are more lenient on them? Or is it something else?

 

I've been looking up and down for an explanation for this, but Google either doesn't have it, or I'm not phrasing the search parameters correctly.

 

Link to post
Share on other sites

Could be a large number of reasons for differences.

 

Could it be that those younger are more likely to be transient, moving between different addresses and jobs, therefore they lose contact with Job Centre.  Whereas those older are generally more settled in an area, they may have a mortgage that needs to be paid and if they are not working,  they need the benefit money to at least pay some of their bills.  

 

In terms of the actual decisions made, I very much doubt age is a factor,  It is mostly a case of whether the claimant has met the terms of their claimant commitment or not.  One of the main reasons for sanctions, is failing to attend Job Centre appointments and then not providing good reason for failing to attend.

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

 

That's another thing that puzzles me. If an appointment letter comes from the JC, then that should be the highest priority to deal with, and the claimant should make a special effort to turn up early for the appointment and make sure they get there in plenty of time. I've heard countless times of people who turn up slightly too late - that's on them, to be honest, as they didn't consider it important enough.

 

Link to post
Share on other sites

Alright, since no-one is going to answer my last post, what is the biggest cause of benefit sanctions for over-50s? Or indeed, any age group? Missing appointments?

 

Link to post
Share on other sites

Do DWP publish such statistics ?

 

Have you looked for statistics on sanction reasons ?

 

Think Parliament ( House of commons committee)  may have published some information, but not sure whether it goes into the details you are looking for.

 

I would think main reason for sanction would be failing to attend appointments and therefore not meeting the claimant commitment. 

 

What reasons for sanctions do you think applied before Covid-19 ?

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

What information have you found which shows DWP had targets for sanctions ?   Can't remember seeing any report about this with any proof this has happened. 

 

Have seen reports saying that most sanctions are counter productive, as they do not lead to a change in behaviour of claimants i.e. they don't suddenly realise they have made a mistake in missing appointments or not bothering to search for work.  

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I don't have proof, just heard about claims made in articles I've read in the past, and that was for JSA. These articles would be from around 2012 to 2015 online.

Link to post
Share on other sites
6 minutes ago, Foebane72 said:

 

I don't have proof, just heard about claims made in articles I've read in the past, and that was for JSA. These articles would be from around 2012 to 2015 online.

 

See if you can find the articles and post a link.  Most good journalists normally state what the source evidence is that has been found to support the claims made in the article.

 

The JSA amounts are to cover very basis costs including food, so any sanction should be a last resort action, following warnings.   But with JSA, this relied on the claimant going into the Job Centre every two weeks to sign on, providing details of the last two weeks work search.  If they did not turn up for the appointment, then the signing on process may not be completed I would guess and therefore any benefit money would not be processed ?  Is that what happened ?

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

It is your thread and it is up to you to find the information that you want to include on the thread.

 

As you found that one in 15 seconds, no doubt you can find more online articles and perhaps after you have read them, you can offer some analysis.  

 

CAG is a self help forum.  It is not a forum, where you raise a debate and expect others to start doing the work for you 😀

 

 

 

 

  • Like 1

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...