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    • Page 33 general conditions  "Your duties You must contact us as soon as reasonably possible and provide all the information,  documents, evidence and help we need to settle your claim or pursue a recovery." Some policy wordings are more specific than others. But even in this policy example, this Insurer may decide not to offer renewal, if they are not informed of a potential claim, if they find out from third party first. It is your risk to take. Do nothing and you may never hear anything further or the third party armed with your registration number makes a claim and your Insurers are contacted. Then your Insurers see you as someone who is careless.  
    • Good evening, The court date for this is 3rd June and I've decided I will defend in court. Following some very interesting happenings in my other claim at court the other day (thread will be updated after this one) I am certain I want to defend this not because I'm confident of it's success, but rather I want to experience the day and press on my belief (I know it's only a belief) that a copy of DN and NOA's themselves, is not proof of serving, which MUST have taken place. Much better evidence of serving, would just be proof of postage or signature of recipient with the correct date, even without the letter copies themselves. Their evidence in exhibits is not strict proof. Law of Property Act 196(4) "Any notice required or authorised by this Act to be served shall also be sufficiently served, if it is sent by post in a registered letter........." Isn't a 'registered letter' proof of postage/receipt (signature)? It might not have mileage, but its my first claim and I will be levelled up for experiencing it and trying. Meaning I can make more informed decisions on the numerous others pending within months. including claim #2 Thank you for helping me get this far, I've learned so much already and already making better decisions on accounts I don't have a thread for. I welcome discussion, thanks  
    • thats a good point. I've attached the policy but can't see anything about reporting accidents being mandatory. Unless I'm missing something?  this is only the policy document. But I can't see it being in any of the others (list below)?  Schedule & IPBY Shows the details you gave us when you bought your policy. Includes main and additional driver details, add-ons and excesses. Insurance Certificate Proof of your vehicle insurance. It shows who's covered, your vehicle use, and any cover exclusions. Insurance Policy Explains the terms and conditions of your cover. Credit agreement Outlines the terms, payments, and interest of your credit agreement. Important Information Document Outlines fees and charges, how your data is used, and how to ask for documents in different formats. Insurance Product Information Document Details of your cover and exclusions. Direct debit information Details of your Direct Debit, such as your collection, bank details, payment amount and your Direct Debit Guarantee Pre contract credit information Outlines the key features, costs, and legal details of your credit agreement. Adequate Explanations Details of your credit agreement. About our insurance services to you Details about our vehicle insurance, service standards, and regulatory status (and the status of any intermediaries)   insurancepolicy.PDF
    • I've never thought they were reliable enough and stories like this just confirm what I thought. Tesla owner says car in ‘full self-driving mode’ failed to detect a moving train WWW.AOL.CO.UK The close-shave in Camden, Ohio, was captured from multiple angles by the car’s cameras  
    • Hi,  I had a look through the credit agreement again, despite the signature looking legit I've noticed the below and wondered if they'd work as part of my defence, a)    The document headed ‘Your Personal Details’ has an office stamp which is unreadable. b)    On the above mentioned document under section ‘What to do next’ it states turn to agreement form on page 3 however 2 pages are provided. c)    The above mentioned document is unsigned & dated on behalf of Halifax PLC. d)    Two sets of documents headed ‘Credit Card Agreement Regulated By The Consumer Credit Act 1974’ was received containing dissimilar information. Under Parties to this agreement, both papers contain different name / address of the banking institute as well as Defendants address. This document is not on letter headed paper, the layouts are different, paragraph numbers differ as does the document content. Thanks again for any help.
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LWRCA and travelling abroad?


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Hello, I have been looking for specific details for this information but haven't found one anywhere.

 

Normally, you would be able to travel up to one month abroad while claiming UC benefits (or extended up to another month or 6 months if you meet specific, urgent criteria). But what about those who have a limited capability work and no responsibilies? 

 

Do they have the same requirement? Seeing as the "one month" rule is mostly in place to ensure the person is still meeting their responsibilities. Can someone with LWRCA go for longer than a month?

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Limit is one month even if LCWRA award is on the claim.

 

If a person wants to leave the country for longer than one month, they will need to inform DWP and advise the reasons for being outside of the UK for longer. If the absence is not for one of the reasons allowed, the claim will close, and UC will have to be reclaimed when they returned to the UK.  The LCWRA award would be lost when the reclaim is made and a new Work Capability Assessment process will be required.

 

From the Advice for decision Makers guidance that is published online.

 

One Month

C1986

For the purposes of deciding whether a person is “in GB” a temporary absence is disregarded provided that

1 1. the person was entitled to UC immediately before the temporary absence started and 2. the absence2 2.1 is not expected to exceed and 2.2 does not exceed one month.

 

1 UC Regs, reg 11(1) ;2 reg 11(1)(b)(i)

 

Extension to One Month disregard

C1987

Where the temporary absence is 1. in connection with the death of

1.1 a partner, or

1.2 a child or qualifying young person1 for whom the person is responsible or

1.3 a close relative of the person, his partner or a child or qualifying young person1 for whom the person or their partner is responsible and

 

2. the Secretary of State considers that it would be unreasonable to expect the person concerned to return to GB within the frst month the one month disregard described in paragraph C1986 may be extended by up to one further month2 . Note: for guidance on the meaning of qualifying young person see ADM Chapter E2.

 

1 UC Regs, reg 2 & 5; 2 reg 11(2)

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Thank you for the response. 

 

I thought the claim would simply restart when the person returns to the UK without needing to start a new claim. The article at https://www.liverpoolecho.co.uk/news/uk-world-news/dwp-rules-you-can-go-25375766 states that "UC will not be stopped altogether, so you won't have to start a new claim all over again - waiting five weeks before payment. But you will not receive a payment covering the period you've been away."

 

I made the mistake of not properly notifying DWP when I was gone for further than a month, but simply because I was originally meant to be abroad for one month. Unepected extenuating circumstances forced me stay there longer. It was a very stressful time and dealing with UC has been the very last thing on my mind. I am now very worried about legal consequences, as I returned in October but have been eventually paid for October and November.

 

I am now asking can they track my flight details? Or will they be able to tell when I have been abroad?

And after I give them specifics what happens after? Do I have to return those payments and will the benefits terminate altogether?

 

Edited by dovereny
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If a claim is closed, within a 6-month period, then a claimant can log into their account and make a reclaim. They would then retain the same assessment period dates. This can depend on reasons for closure and the accounts homepage would show whether a reclaim was possible.

 

In a situation where DWP/UC was not aware of a person being abroad for more than a month, if that person later admitted that they had been outside of the UK for more than one month, they would mostly likely face owing a debt (repayment of UC for the relevant assessment periods).

 

Doubt that DWP will be able to check flight or border control records and cross reference to UC claimants. Government departments due to Data Protection and information sharing rules are limited to what can be automatically shared.  

 

 

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