fox
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Employment Support Allowance Contribution conditions
fox replied to fox's topic in Benefits and HMRC
Oh thank you for replying, I’m going to look into that I feel I should be able to get something even if it’s the low rate x- 7 replies
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Employment Support Allowance Contribution conditions
fox replied to fox's topic in Benefits and HMRC
Oh ok that’s a shame, thanks for your help- 7 replies
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Employment Support Allowance Contribution conditions
fox replied to fox's topic in Benefits and HMRC
Sorry should say ni conts not no conts- 7 replies
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Employment Support Allowance Contribution conditions
fox replied to fox's topic in Benefits and HMRC
Hi thank you for your reply, I was working in those years , I didn’t pay conts because I was below the threshold but had the option to pay no conts at the low earnings level so if I did this would they be class 2 conts , I’m very confused * x- 7 replies
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Did not pay NI conts in 14/15 and 15/16 as I was below lower earnings limit. I am now unable to work due to a health condition. If I opt to pay the contributions for both these tax years is it likely I will then satisfy both of the contribution conditions for an award (I know I am not entitled to income based as my partner works). The second condition is really confusing me!!! The guidance online says:- You qualify for contributory Employment and Support Allowance (ESA) if you have paid sufficient National Insurance contributions. There are two contribution conditions you must meet: First contribution condition - in one of the last two complete tax years, you must have paid Class 1 or 2 contributions on relevant earnings at the lower earnings limit for at least*26 weeks. This means you must have worked for at least 26 weeks of the last two complete tax years; and Second contribution condition - in both of the last two complete tax years, you must have paid or been credited with, Class 1 or 2 contributions to the value of 50 times the lower earnings limit. Anybody?? Please
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Maroonfox5 V Mortgage Express*Lost in court*
fox replied to maroonfox5's topic in Mortgage companies
Good luck with that MF - if Cobbets ticked small track then presumably they weren't expecting and did not claim costs - I hope you manage to get the costs cancelled mate I really do all the best x -
Hi how much was your claim for they have been dragging mine out since about August last year (£1700) x
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Hi if there is a class action or fighting fund I would be willing to join in as well
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Maroonfox5 V Mortgage Express*Lost in court*
fox replied to maroonfox5's topic in Mortgage companies
maroonfox i am so sorry I will also make a donation if you publish your paypal address - chin up mate x -
Please can someone help me witht he wording I need on a court form. I am claiming for part known amount and part unknown amount . I have sent Abbey the relevant letters I have only got some of my statements and they have used the microfiche argument to deprive me of the rest. I have already complained to the ICO and have sent Abbey the LBA and now their time is well past up and I want to file my claim without further delay in the hope I get some much needed money back before Xmas. I will be filing in person as I am exempt from the charges being a disabled single mum on benefits any help please with wording would be much appreciated as I dont want mess up at the last most important stage. Thanks in advance
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Thanks very much I will use this when I make my claim - a bit busy at the mo with a couple of bank penalty charges claims but when they are refunded I will start on the mortgage ERC - thanks again x
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nationwide have suggested I find alternative banking facilities
fox replied to fox's topic in Nationwide
Hi Got my refund plus interest and costs almost £1000 in total and guess what 30 days notice to close my account and if I try to use it after 30 days they will take court action against me for fraud - can you believe that the cheeky so and so's Am I bovvered - definitely not I have another accouint I can use and I am almost a grand richer so Nwide can get lost -
Hi I took action against Nationwide and got a couple of eltters warning me they woould close my account but yesterday got a letter saying they have refunded my charges and no mention of closing my account - I have checked my balance and they ghace so far paid my court costs and interest but niot the actual charges so will hopefully get them on Tuesday - just wondering if the letter to close my account is on its way - not really bothered as I have another account elsewhere that I can use
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I got exactly the same letters from co-op bank so I filed claim online after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon
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I got exactly the same letters from co-op bank so I filed after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon
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I have had the same from Nationwide but so far have not even had a response of any kind from 14day letter to NatWest - dont care either as long as they give me the money back I will take my business elsewhere - fine by me
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congrats I am taking on NatWest for my o/h £768 I sent 14 day letter on 14th August and have rec'd absolutely no response whatsoever (sent it special delivery so I know they have rec'd it). My o/h thought I was deluded when I started this but after winnig back over £1000 from co-op and £250 from Abbey he has changed his tune a bit and is now eagerly awaiting his money back
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nationwide have suggested I find alternative banking facilities
fox replied to fox's topic in Nationwide
I got the court document thro today telling me the claim has been served and N'wide intend to defend in full - not scared this is what co-op bank said when I claimed against them and 4 days later they settled in full inc interest and costs - bring it on Nationwide -
I took out a mortgage with Cheltenham and Gloucester in 2002 it was a 5 year term and the first 3 years were discounted. I paid it off after 3 and a bit years and had to pay an early redemption fee/penalty. I understand that the C and G will have lost out on interest that I would otherwise have paid if I kept the mortgage but I am sure they will have either invested the lump sum I paid back or lent it to someone else so I do not see how they could have suffered any actual loss or costs. Is it possible that this type of charge is a penalty and covered by the same rules as bank charges in which case could I claim it back and has anyone else claimed back this type of charge and won.
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nationwide have suggested I find alternative banking facilities
fox replied to fox's topic in Nationwide
hi yes I know they make me really angry and upset I got another letter from them today tellin me the same thing that they have investigated and their charges are fair transparent etc and if I cannot agree to their terms and conditions now is a good time to look for alternative banking facilities - the cheeky so and so's They have also sent me the banking ombudsmans leaflet Thing is I have already filed online claim (14th August) and they have acknowledged it so we will wait and see what happens next -
nationwide have suggested I find alternative banking facilities
fox replied to fox's topic in Nationwide
Thankyou for your reply, it is reassuring to know I will have a bit of time - I do have other accounts that I can use so I am not bothered other than the messing about changing everything over DDs salary etc -
Hi I am new to this particular but have been claiming penalty charges back with help from another similar site. I have recently sent a letter to Nationwide asking for my penalty charges to be refunded and they have said no their charges are in their terms and conditions and if I am not willing to accept their terms and conditions I should look for alternative banking facilities. I have filed a court claim (17th August) which they have acknowledged and I am just waiting now to see what happens. Having read through a few other threads it seems that they will close my account - but do they give any notice of this and give you time to sort alternative banking out
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I sent a SAR to Natwest for statements on 3 accounts. Statements for 2 of the accounts have turned up but the 3rd account hasn't. The 40 days is expired should I now report them to IC
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Well done I wrote to co-op bank on 8th June asking for a refund of almost £1000 in charges since last September. I have rec'd a letter today telling me they are investigating and will respond in 6 weeks - I feel like this is a delaying tactic and dont know whether to write back and tell them I am not willing to wait that long what does anyone think Thanks
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My bank have written to me in response to my initial claim for refund of charges and have said they need to investigate fully my claim and will respond within 6 weeks - they have already had 2 weeks - should I wait another 6 weeks or should I write back and say they can have another 14 days then I am going to court
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