My vehicle broke down, i took it to a mainstream garage who diagnosed and repaired it. However, the same fault kept occurring and it kept breaking down, so i kept taking it back. They state they have now fixed the original problem, but my vehicle still isn’t repaired as they have now found another fault which is part of the original problem, but are refusing to fix the repair because it will take them too long too fix. They have told me to come and collect the car and take it to another garage. The garage have also given an employee my mobile number and they have called called me using their personnel mobile number whilst on their day off. I think that is a GDPR DPA 2018 breach.

The most important question here, is Have you moved since taking out the loan? I say this because Lowell love an easy target, and if you haven't kept them updated with your latest address in writing, you are one big bulls eye. Do not be fooled by receiving letters to your current address, you can guarantee that the actual Claimform will go to an old address, and next thing you know there is a CCJ in your name. Lowell's business model is to buy the cheapest, most unenforceable debts, for a few pence in the pound, secure in the knowledge that many of them will be an easy win, to an old address AKA Backdoor CCJ. The very good news is that for the price of a first class stamp writing to Lowell, you can insulate yourself with a simple statement ' I insert name, currently live at insert address. Then to double insulate yourself, send Lowell a CCA request, they never come up with the goods. Do not pay them anything or contact them in any way, unless you receive a claimform (highly unlikely if you do the above), then you post on here for advice. I have had 2 CCJ's from Lowell, learnt the hard way, went to an old address, but once I'd taken the advice here that never happened again.

ESA claim would have to be closed as soon as you start employment of 16 hours per week or more or earn more than £167 per week. And once ESA closed you would not have the ESA amount deducted from UC award. Universal credit would be adjusted to take into account employment earnings. So if you earned £35k per year which would be about £2300 take home per month, the monthly UC award, would be reduced by about £1050 taking into account work allowance and 55p per £1 deduction rate. LCWRA under UC would continue and be subject to reassessment when this is due. Returning back to work will not affect this before reassessment outcome, however the medical professional is bound to consider that you have proved capability to work. UC carer element can continue, as returning to work does not alter eligibility of your partner caring for you. With the PIP claim, as soon as you start the 12 month course with guaranteed employment at the end of it, you would need to contact them with all information to see if the grounds for claiming have changed. Have the health/disabilities impact on daily living and mobility changed since you were last assessed for the benefit? The employment does not directly affect PIP, as earnings are not relevant, but of course actual work activities could suggest a change to the circumstances that led to the PIP elements being awarded.