Nothing happens following these type of letters. Nothing to do with credit records, as that relates to some form of credit account with a company.

Yes agree that Age UK are best to advise on this. I think Mums money( including savings) that is available would have to be available towards the care costs of her husband, but exactly how much she would have to contribute, would have to be subject to a proper financial assessment of means by the Councils social services.

Agree that Trade Union or employment expert advice is required ( ACAS are good at offering information on employment rights, if you speak to them) You need to start putting together a folder of evidence. Get hold of your contract of employment documents, if you don't have them. Also get hold of all records related to your performance against the targets you were set. Start to record all interactions with your managers and HR. Insist that all meetings have minutes taken and agreed. If you end up being dismissed due to failure to meet the performance level expected by your employers, you need arm yourself with as much evidence as you can obtain, just in case you wanted to take it to employment tribunal.

Yes you need to contact the Council and find out current position with this. Sounds like the Council obtained a liability order through magistrates court, because you did not respond to Court summons. And now Newlyn are looking to seize goods to sell to cover the amount that is owed, if the amount owed is not paid. The Council will be able to confirm if they have instructed Newlyn to collect the debt.

Have you lived in same area as the address this debt relates to ? Or is the address similar to an address where you have lived at ? Unfortunately, identity theft and fake tenancy agreements have been used for some to gain money from benefit services, as well as free access to utility services. You need to check your records starting with credit records. And send Data Protection SAR requests to Utliita and UK Search.

Latest on election, is that Sunak may not call election until late in 2024. From what I am seeing on the ground and I speak to dozens of people running and working in businesses every week, the UK is heading into a recession. With interest rates increasing and costs of living already difficult to manage, the next year is going to be a challenge for so many across the country.

Submit a complaint to Go Skippy as advised above. That is your next step. Because Go Skippy would have to pay a fee to the FOS, if you continued the complaint to the FOS, you may find that Go Skippy will reduce or remove the cancellation fee.

Go Skippy have a poor reputation for customer service and should be avoided. When the policy was arranged, it is standard for the Insurers to go through process of checking the information and when they asked for the additional drivers licence summary, they would have allowed 14 days for this to be provided or they would cancel the policy. Whilst some Insurers might have allowed some time in addition to the 14 days, Go Skippy are not a customer focused business that would have done this, as they would no doubt be thinking that they would make more money by sticking to the 14 days and then cancelling. And they will pass the £145 cancellation fee if not paid to a debt collection company to write to you chasing for payment. Answering your question, yes it is legal. When you signed up to the Insurance contract, you agreed to provide any information to Go Skippy within the time limits advised. If you are not happy, then submit a complaint to Go Skippy and advise that you want to refer the complaint to the FOS, so can they issue their final response as soon as possible. Whilst your complaint is ongoing, Go Skippy should put chasing the debt on hold.

Agency worker regulations. After 12 weeks in the same job: The equal treatment entitlements relate to pay and other basic working conditions (annual leave, rest breaks etc) and come into effect after an agency worker completes a 12 week qualifying period in the same job with the same hirer. After completing the qualifying period, pregnant agency workers will now be allowed to take paid time off for ante-natal appointments during an assignment. Think for this case, you should have asked for disclosure from the agency about their awareness of other sexual assaults that have happened at the factory previously. The agency is your employer and they have a duty of care. So if the agency were aware of anything which might cause harm to their employees, then they should have taken appropriate safeguarding actions.

So if no offence was committed then ask for Magistrates hearing, where you can put your case forward. On your phone, you should be able to get the activity history for evidence. If Magistrates decide you did commit the offence, you may have more to pay, as the Police will no doubt add their cost amount.

Previous thread unlocked and new post added

So stop self employed work and claim New Style ESA. Presuming you don't have Children under 19 in your household that you are parent of ? See if you can use online benefit calculator such as Turn2us to check which benefit is best.

So you have paid enough National Insurance contributions (class 1 or class2) during the previous two tax years ?

UC would ignore the savings over £15999 for 12 months. And then in 12 months time, if you still had savings of £16000 or more, the UC claim would be closed. The only ESA that is available is New Style ESA, but you would need to have paid enough National Insurance during the last 2 tax years. The old ESA has been replaced by UC, so is not available. New Style Employment and Support Allowance - GOV.UK (www.gov.uk) Do you currently claim any Housing Benefit from your local Council to help with rent ?

There is only one type of fit note and Doctors will issue it for a relevant period of time. Tell them it is required purely to enable a DWP capability for work assessment process.

A fit note from Doctors lasts as long as the Doctor is willing to issue one for. If you explain it is required as part of Universal Credit work capability assessment process which could take at least 3 months, they might issue for several months. But usually they are issued for 1 month and you have to continue getting them. If you are not earning much from self employment and think your health is getting worse, speak to your Doctors. They might suggest that you stop.

LCWRA not automatic. They only ensure you are not worse off. When you claim UC, make sure you get a fit note, as previously explained.

No, the UC statement will be issued with any transitional amount, so you are not worse off following the move. As far as I know the only current ways to get LCWRA are if someone qualifies for this following a WCA assessment or when there is a new claim for a mixed age couple (one below state pension age and one of state pension age) , where the older state age pension member of the couple has a PIP award so they are then allowed LCWRA without a WCA. There has been some talk that Government may be looking at making changes to the WCA process and that those with a PIP award may not have to go through WCA. But as far as I know this has not been subject to any legislation. And I have not read that anyone with a PIP award going through TC to UC transfer, is going to be allowed LCWRA without having to go through WCA process. If you have read that this is the case, can you please provide a link to any website where this is stated.

Daz When you make the UC claim, you will add details about your health conditions. You won't get the LCWRA element straight away, because you would need to have a Work Capability Assessment (WCA) under UC. So you can have the WCA, you will need to get a fit note from your Doctors and record the details on the UC claim. The fit note does not need to say you are not capable of any work as there is an option about work restrictions, so the Doctors can note the limitations in the work hours and/or type of work you are able to complete. Some Doctors do not like issuing fit notes in this situation, so just explain it is required by DWP under Universal Credit legislation for the assessment process. The alternative to the fit note, is a Doctors letter, but that would take longer for the Doctor to issue. When you report the fit note details on the UC claim, it will just ask you to record the start date/end date of the note and the Doctors details. So if it notes any restrictions to work, take the note into the Job Centre or record details in the UC journal. The minimum income floor would not apply for 12 months after starting a UC claim. And if you provide a fit note, the Job Centre are likely to find you not gainfully self-employed, meaning that they won't treat the self-employment as an employment type where you are able to take steps to maximise the amount you can earn, so that in the future you are not reliant on UC. The WCA process will take about 3 months or so and you will need to supply fit notes up to at least the date of the assessment. I am presuming you are not claiming ESA as you have not mentioned it. ( presumably this would be because you are working too many hours). If you supply fit notes, you don't have too much to be concerned about. If you have severe disability element under TC and have enhanced PIP, then it appears likely that you will be awarded LCWRA after the assessment. It is just not an automatic process.

In regard to income based benefits such as ESA and Housing Benefit, any share of the equity in the house, would not become available to you until widow dies and relevant legal process have been followed. So at the moment, you would not need to advise either ESA or Housing Benefit, as the equity in the house is not in your name yet. It is held in a trust arrangement with nothing in your name in regard to land registry registration of the property. The point where you would need to tell ESA and Housing Benefit is when you get a letter through the post probably from Solicitors telling you that following the death of the widow, the person acting for the trust has taken steps to transfer the relevant share of the property to you. Most likely, the house would then be put up for sale and when it sells you would receive amount due. I have pretty much ruled out possibility of widow being removed due to disrepair as that would be unlikely. Legal costs and family being asked for funds to repair might be a barrier. The problem is more likely the person goes into a care home and the property becomes empty for years. Then the family have a house to look after.

I have a previous Insurance background and yes hidden water leaks or damage that is gradually occurring is an issue that people/Insurers confront on a regular basis. Many Home Insurances have 'trace and access' cover, but they cannot keep taking apart a house while they try to find where a leak is. And it might not even be a water pipe, it might be drainage under the house. A number of times, I have recommended that the drainage system is subject to camera investigation surveys and these have found that there was damage to drains, that if left to continue causing the damage, could lead to subsidence. And the drains have then been subject to relevant works, stopping any further damage from occurring. The camera investigation is where they put a camera through the drainage system on a wire and they record the footage. The Insurers may not pay for this and usually it is up to the home owner. The home buyers survey issues you mention are pretty standard. If the surveyor thought there were any significant issues affecting either Insurance or the value of a house, they would note these. I don't think I would even mention the home buyers report, as 3 years on, I doubt what was noted has anything to do with what has been happening to your property. LV have had a reputation in the past of trying to refuse claims at the time of first reporting and then to frustrate the process.

Orely, if you have been mislead into agreeing credit hire, then you should ask Easi-drive for a copy of the terms and conditions you agreed to, regarding liability for the hire costs. At some point, there will have been an agreement, but if the person contacting you regarding this, did not tell you clearly, then if you can get evidence of this, perhaps by submitting a data protection subject access request, then you might be able to get out the agreement.

Orley, unfortunately, you have no choice in this instance, but of course can raise a complaint with the Insurers and Easi-drive. When you need a hire car, the Insurers will refer you to a credit hire company/claims management company, who will provide a very expensive hire option, subject to you signing the credit hire document. In the credit hire document, it will make you responsible for helping Easi-drive to recover the costs from the third party. And it will state that if you don't help them, this may then lead to them seeking to recover the full cost from you. Even if you did not help Easi-drive, if they could not recover the full cost from the third party and the deal was for the third party Insurers to pay say 50% of the total hire cost, you could end up being chased by Easi-drive for the 50% they were not able to recover. Have a good read of the credit hire document you signed and you will see that Easi-drive have got you sign an agreement, that they did not fully explain.

This is all standard stuff for CTB. Either provide what they are asking for or withdraw the claim. The councils are required to check all financial records to ensure that people qualify. Don't redact anything. All council and benefit offices are quite used to seeing embarrassing purchase items. ( not suggesting that you have anything to hide). The Council want to see all account entries.

Andys post no #10 regarding joint debt applies. If your ex has made continual payments since the original CCJ and has a new agreement to continue, then if the ex stopped paying, they can chase you. But issuing any Court claim against you does seem doubtful. Did you ever enter into any legal agreements as part of the divorce process through Courts in regards to debts shared with your ex ? Any insolvency process either yourself or your ex ?