So her lump sum from her works pension is classed as savings then n if it is above 6k she won't get any UC.

Hi dx I was under the impression that she would have to declare her monthly regular payments as they are taxable, although doubt is she would pay any tax anyway on that as only going to be bout £450 per month, whereas her lump sump would not be taxable so she would not need to declare? Just going off what it states for ESA as follows: Your lump sum payment from your pension will not affect either your PIP or ESA. However, regular payments will affect your contribution-based ESA if they exceed £85 a week. If your gross pension payments exceed that amount, your ESA will be reduced by half the amount they exceed it by.

Hi Was wondering if anyone could advise please, a friend of mine is due to finish work on ill health and as a result is going to get her occupational pension, she will be entitled to a 25% tax free lump sump followed by a further monthly payment, how would this effect her Universal Credit, would she have to declare both her 25% tax free lump sum and her monthly payment or is it just taxable income that she would have to declare. Tinks

Hi Again Going off the second part of your answer, Could she pay her Mortgage off of about 16k with the Lump sum or would that be classed as running down her Capital/savings if she ever had to claim income based benefits.

Thanks for the quick reply.

Hi I was wondering if anyone could advise for a freind of mine please, At the moment she is on New Style contribution ESA but she is due to take a lump sum of her Occ Pension about 26k in December, from my understanding of New Style contribution based ESA it is not means tested ie savings or imcome, but it also states: If you receive contribution-based ESA and have a gross pension income of more than £85 a week, the amount of benefit payable will be reduced by half of the excess. The excess is the difference between £85 and the actual pension income. For example, for a pension income of £100, the excess is £15. The amount of ESA payable is reduced by half of that, which is £7.50 So how would this effect her New Style contribution ESA, would she then get nothing on reciving the lump sum.

Hi Was wondering if anyone could answer this question for a friend of mine please, She was off work ill for 28 weeks so informed tax credits hence her WTC was stopped, but since she has now gone back to work and has been back approx 3 months but had to go off sick again, will she have to to inform tax credits again or not.

Hi Can anyone please advised me on the subject of a Credit Card debt with a DCA, If they threaten to take you to court can they ask for the debt to be turned into a secured debt against your property as I am aware that they can successfully turn an unsecured loan into a secured loan against your property, so does the same rules apply to a Credit Card debt. Tinks

Thanks Guys!

What about the other loans I had with them that I paid in full and had ppi on them can I claim for them or will they try to off set them as well!

Hi All I have an account with an outstanding balance still owing which is now status barred as it is 6 years since I last made a payment , I originally CCA the original solicitor for the bank whom stated they could not located the CCA so the account remained in dispute, about two years later they then sold it to a DCA to which I wrote to them stating that the account was still in dispute with the original solicitor for the bank as they could not locate my CCA and sent the DCA copies of the letters I'd sent to banks solicitor and their reply so I was a bit perplexed as to how they could sell it on when it was still in dispute. another two years pasts by and then out of the blue I received another letter from the DCA stating they now owned the debt and asking for my proposals for payment, again I sent them the same reply as before as regards the account being in dispute or to provide a cca to which I have heard nothing since. Question is I know full well that I had a good amount of PPI attached to this loan but would I be implicating myself by putting in a claim for PPI or does the status barred scenario only take into account when the last payment was made and therefore not implicate me for applying for PPI on the account I also had allot more loans with this bank with ppi which I paid up in full, but I don't want to rock the boat if this will null and void the status barred ruling on the account that was still outstanding and leave the door open for the DCA to be able to reopen the case as I have heard that if you contact the bank regarding PPI if any of the accounts have been sold to a DCA they contact them! Any thoughts please. Tinks

Hi Anyone any thought on the above please, if the worse come to the worse and I had to finish work on ill health grounds, could my wife work 16 h because I now get PIP to still get Family tax credit for the children or does the 16 h working rule only apply to myself, hence would my wife have to work 24 h per week for us to still get FTC. Tinks

Hi Just a quick question at the moment I have had to reduce my working hours to 20 h a week due to my disability, my wife works 6 hours per week, now when I spoke to dwp they said that because I now received PIP that I could reduce my hours to 16 h per week and still get family tax credit but I said 20 h would be okay, My question being is if I had to finish work could my wife work 16 h because I get PIP to still get Family tax credit or does that only apply to myself, hence would she have to 24 h per week for us to still get FTC. Any clarification please.

Got to take my meds now will be out of it shortly, I am sure I will be back on in a while once I have more info as to what my employer intends to do when I hopefully start back work, again thanks for your input. Tinks

Thanks very much for the info you all have been very helpful, just a quick question at the moment I have reduced my hours to 20 h a week my wife works 6 hours per week, now when I spoke to dwp they said that because I now received PIP that I could reduce my hours to 16 h per week and still get family tax credit but I said 20 h would be okay, My question being is if I had to finish work could my wife work 16 h because I get PIP to still get Family tax credit or does that only apply to myself, hence would she have to 24 h per week for us to still get FTC. Tinks

It is one of the big six electric and gas suppliers, must admit they have made all the adjutants they can regarding my work station sitting and standing, but at the moment need help just even getting up, sitting down and walking feel about 93 not 53 but have my wife and 3 children to support! Occupational health has just stated with my condition I will probably have time off when MY condition flares up, but that didn't see to cut any Ice when I had my capability hearing!

Hi I have worked for the last 8 years or so with constant lower disc problems and constant back pain which has been diagnosed via a MRI as DDD, I recently plucked up the courage to go for a PIP assessment to which I have just received a letter back stating that I am entitled to pip payments so I have managed to reduce my hours at work, trouble is I have recently had to go off work again due to a trapped nerve and in agony, on diazepam, tramadol and co codamol and consultant said this will unfortunately keep happening as my back is so weak, all I did was cough in the shower and something in my top left buttock just went AGONY! trouble is already on a capability warning at work for time of in the past with back related problems and now off again, so I have no doubt I will now receive either a final warning or even worse get sacked! been their 15 years and never once been late, I want to work, I have literately crawled into work sometimes when I should have not been their, always done my job, but not in union, any advice please would be welcome. Tinks

Thanks Tinks

Hi when you contacted the Ombudsman did you do have to fill a form in. Tinks

Hi All Was wondering if you could shed some light on this for a friend of mine please. He had a accident and sickness policy cancelled by his insurer as they claim he did not inform them about the date he started back to work hence they stated that they had over paid him. He disputed this as originally he was told by one of their advisor's that if he went back to work on a phased return the claim would continue so long as he did below 16 hours per week which he did for a month, they stated he should still have informed them that he had gone back to work even if it was on a phase return, he explained that this was not done intentionally as he had nothing to gain by not informing them and it was just misjudgement on his behalf as did not think he needed to inform them based on what their advisor had previously told him and he only claimed for the month in which he was on phase return for under 16 hours and proved such. They then sent him a letter stating that his policy had been cancelled but nothing about owing any money, he decided to raise a complaint as he did not like the tone of their letter and what they were insinuating, it was as though it was the crime of the century or something and he said If needed he would take this up with the FOS. Next thing he know's he gets a letter from their complaint department stating that they have upheld their decision to cancel his policy and would be also asking for recourse for overpayment and would be in touch in due course ( he thought Funny how they did not mention anything about recourse for overpayment in their cancellation letter, but as soon as he raise a complaint and mentioned about going to the FOS) We are talking about a couple hundred quid here at the most which he said to the insurer just send him the bill and he will gladly pay it then he can take his case to the FOS, 5 months passed no bill arrived he rang the same person from complaints to ask in light of his letter why had he not received a bill, the advisor stuttered and said "oh its quite a long time ago and he would get in touch with the underwriter and would ring him back ASAP, couple of days went by no answer he rang back, the advisor he spoke to was apparently on leave, he was not happy about this as the clock was ticking for the 6 month period for him to complain to the FOS so after a-lot of he wont get off the phone until he speak's to a manager he finally got to speak to one. He explained the situation and low and behold he then gets a email from the manager the day after stating that they are not taking the matter any further?????? My personal opinion is that they just wanted shut of him because he had been diagnosed as having degenerative disc disease and they have tried their best to get off paying him in the first place as they know from his consultants report that it is only going to get worse to me this was a perfect opportunity to get rid so to speak, also I reckon they were waiting until the 6 month period had elapsed before they sent him a bill so he could not then complain to the ombudsman. What he would also like to know is does he now have to disclose this to other insurance companies now like Car Insurance or home insurance etc. Tinks

Thanks dx

Hi All Friend of mine had a loan with a balance outstanding that is now SB and was sold onto a DCA which had PPI on it. Can you still claim the PPI back on it or would the bank state that it has to be offset and pay the DCA and if she does put in a claim does that then mean that she is acknowledging the debt hence the DCA could then take legal action regardless of it being SB or is it the fact that you have had to to make a payment against the debt within the last 5 years only that can trigger legal action. Debt was from year 2000, assigned and sold 4 years ago to DCA and she has request a cca on numerous occasions but they stated 3 years ago cannot find at mo and still looking into, not heard from DCA since. Tinks

Again Exactly my point How can the FCA let Wonga dictate who benefits from this new ruling it is completely arse about face, it should be FCA who dictate's who should benefit and NOT Wonga, IMOO Wonga have just looked at their books and thought now what can we do to appease the FCA but at the same time not let it damage our profits to much. OH we'll CHERRY PICK which of our customers who as at 2 Oct 2014 are more than 30 days in arrears who should not have had a loan in the first place under the new ruling, we will therefore in turn write the whole debt/loan off, but Sod the customers who have also been affected by the same ruling and who's debts are now either with a DCA or whom have been on a payment plan in the past but paid it off in full before the 2 Oct 2014 or for that matter anyone who has had a loan with Wonga and has paid it off or is still paying it off, they to should be entitled to at least interest redress if they to were affected by the new ruling as well. No other word for it, it is discrimination and will be disgraceful if the FCA let them get away with this, it seems to me the FCA are no different than the FSA was just a name change and TOOTHLESS! Can you imaging the banks saying right okay anyone who's bank account is in arrears as at today we will write off, there would be a public outcry! you can't have one ruling for one and not for the other if they all fall under the same umbrella which they should do. Again IMOO if you are on Wonga's books you signed up to their T & Cs therefore any ruling changes ALL customer accounts should be affected by that ruling simple as.

Hi ba85 You need to be firm with the FOS don't let them fob you off to, if you fall under the criteria for the ruling and they don't write off your debt or give redress, ask them can they put into writing why not because it is the ruling and the ruling ONLY here that is the crux of the matter, you either fall under the ruling or you don't nothing else should matter.

Exactly my sentiments Croft79 That is what I have been trying to get through to people all along on this thread, shouldn't matter if your loan is now with the man on the moon as it is down to the criteria within the ruling to determine if your loan should or should not be written off, Wonga are just cherry picking and once again it looks as though the FCA is letting them get away with it, Wonga are basically taking the Pxxx!