Sorry, that last bit was supposed to say UNavailable for work!

Thanks for your reply. One of my friends has suggested I'd be better off saying I am ill as apparently that's allowed a couple of times, but having ill kids isn't unless you are single!??? I want to tell the truth but I don't want to get my allowance stopped for something completely beyond my control. If he's poorly for a few days, will they class me as I available for work and stop my money being paid? It's all such a minefield!

I'm really worried! I've just had it confirmed I have been awarded contribution based JSA. My first signing on appointment is on Friday but it looks like my son has chicken pox! This will mean I am unable to make my appointment as my partner is away this week and my family live over 2 hours away. I could ask a friend but I don't think she's had it and also has her own young children. What should I do? Will I be penalised for this?

Thanks ever so much to you both for the advice. I have written a letter and will let you know how it goes. TW

Hi I am hoping someone on here can advise me. We paid AXA commercial insurance for a couple of years for our 1 van business. Also allowed on the policy were our two family cars. In November 2011 - our employee had an accident in our van. The van was very badly damaged and took so long for this to be sorted out with the insurers that our business had to cease trading - which was a very difficult and stressful time for us. Because we had to cease trading AXA cancelled our insurance policy completely even though we were happy to continue paying the premiums for the rest of the year, as both of our family cars needed cover. Axa refused to transfer the policy to a more suitable one instead. At very short notice (2 days) we had to run around finding quotes and obtaining insurance for our family cars. I called AXA and was assured that there was nothing to pay on the policy as it was cancelled. Our AXA sales rep also advised us in an email to cancel our direct debit so ensure no more payments would be taken and that the matter was now being dealt with by the office. We heard nothing until yesterday when my husband received a phone call from a collections company chasing for over 2k that AXA wanted to cover the premiums for the rest of the year because a claim was made on the policy. I have looked through my policy documents and the small print and no where does it state that if the insurer cancel the policy then the full payment will need to be made. It does however say this is the case if we cancel the policy - which we did not. What I find frustrating is that we checked at the time that nothing was owed. No one has contacted us in the meantime. We were happy to continue paying our premiums until the end of the year if they had just provided cover for our 2 private vehicles. Can anyone offer any advise on if they are entitled to the rest of the policy payments considering they cancelled the policy? Thanks in advance. TW

Hello again, Ive bitten the bullet and rang for a claim pack, they just took a few details and said they will pop one in the post. No mention of old claims or anything so far. I will see how it goes - if they do start chasing me again for the overpayment I will have to start a dispute and keep going until its resolved as there is no way I am going to be able to afford it! I will let you know how it goes. xx

Hi Worried76 How did you get on? Did they say anything when you rang up? Xx

Good luck, I hope it's all ok. Let me know how you get on. I'm going to call on Monday. I'm so worried about it starting them off chasing for that old overpayment but like you I'm pretty desperate so need to bite the bullet! Fingers crossed for both of us xxxxx

Hi Worried 76 I'm in the same situation as you. Tax credits chased me for an overpayment but not heard anything in about 2 years. I now need to make a joint claim but am terrified that as soon as I give my NI number then they will get after me again! Just wondering if you called them and how you are getting on. Xxx

Hi I hope someone may be able to help me or offer me advise. Until recently I ran a mobile tyre fitting business that was not profitable and so I ceased trading. I had business insurance for my Van and as part of the policy the insurer added the family car to the policy - even though they were clear that it was not used for business. I recently contacted them to advise them that I was no longer trading and to ask that they remove the Employers liability, from the policy but explained we would be keeping the the Van and still required cover for the moment for the other car and so until further notice we would be happy to continue paying the monthly premium for the policy. This is the email response I have just received: As your policy provides cover for the business which has now ceased trading, this has the effect of rendering the policy in-valid as the business that it is protecting is no longer operating and consequently the policy cannot continue. I am aware that the policy is providing cover for your private vehicles and the van and regrettably these will now have to be insured elsewhere immediately as I am advised that AXA cannot continue and I am not able to provide cover for individual vehicles. Can they do this? With IMMEDIATE affect? I have gone through my policy documents and can find no reference to and clause regarding the cessation of trading, the only cancellation clause I can find that could apply to this situation is that any cancellation by AXA will be given with 21 days notice. I am concerned as my partner is currently out and effectively driving without insurance! Is anyone able to advise me?

Can anyone help?

Can anyone help/advise? SHould I post in a different forum? My post in Debt self help has no replies either.

Hi there - Ive posted this in the debt self help forum but thought someone here may know the answers as well.... I am thinking of starting a dmp with PayPlan but have a couple of questions. I have a couple of debts that are quite old now - just under 6 years and I am no longer being chased for payment on them. I understand that these debts are unenforcable after 6 years. So should I declare them as part of my dmp ? I also have a credit card that although is personal I use exclusively for business travel and pay it off when my expenses are paid - it is completely up to date. Do I need to declare this as part of my DMP? Any advise appreciated. TW

Hello I have a CCJ against me that is about a year old. So far it has not been enforced. I cannot afford to pay the full amount but may be able to pay some of it in part. Is it possible to offer a settlement figure and get the CCJ marked as satisfied? Or is it too late for this? Many thanks for your help.

Thanks again Silverfox