Does not make sense.

The only way to remove LCWRA is for a new decision following a new work capability assessment.

So a UC review team cannot remove LCWRA.

Sounds like a security issue, where WhatsApp have had to remove messages ? But will the Inquiry be able to find out exactly what happened? If national security interests are involved, we may never find out.

If this issue continues to cause you problems, keep hold of a number of the communications and think about contacting Police to see what help they can offer.

If the communications contain registration number and the Police believe the vehicle could be being used to commit crimes, then they might be willing to flag up the registration on national database for a stop to be made to check drivers details.

The Police of course may not be willing to do this, unless you have enough communications to show that this is not just someone having made an admin error with address.

But the Government may say that due to volumes of PPE, it was better to have increased number of suppliers and not to rely on smaller number of specialist suppliers who may rely on existing crowded markets for the supplies ?

If you have a Government caught out by a pandemic with insufficient supplies of essentials, inviting anyone to offer quotes with fast track decision making for VIP's, then it is no surprise that some of contracts agreed ended up being poor value for money.

Governments who throw money around in an attempt to resolve problems they partly caused, are seen as fools to make money out of.

I predict that most of the current investigations into alleged crimes will eventually be dropped, on the basis that the Government agreed the terms of contracts.

Yes only one claim event. When you add details to comparison sites or Insurers sites and note claims, you would enter the date of the claim event. So if it asked to list Buildings and Contents claims separately, because you entered the same date, it would be recognised as one claim.

But as already suggested, you should not just use online quotes, as you need to speak to Insurers, to ensure your quote is accurate for one claim event. And you should also contact local Insurance Brokers to obtain quotes.

Hastings not quoting at renewal time is not refusing or cancelling Insurance. It is simply declining to quote and therefore not something you need to disclose to other Insurers. It could be that Hastings purely for underwriting reasons do not offer Insurance quotes in your postcode area, where there has been a burglary claim. So it may have nothing to do with your complaint. I managed House Insurance underwriting teams years ago and we would get regular criteria lists of risks that we no longer wanted to cover or where we would need to apply terms/conditions to renewal quotes. So it is not unusual for Insurers to not offer renewal quotes.

I would suggest you elevate your complaint to the FOS.

LV/Their LA's are in breach of FCA ICOBS claim handling rules. Link below.

Yes he can still pursue EDF for billing errors after leaving them.

I think the issue is down to estimated readings.

Some energy companies now rarely send out meter readers. Instead they send out an email each month asking customers for a meter reading to be provided within 5 days. And if you don't enter meter readings, they enter an estimated reading for working out usage. And some of the usage worked out, particularly for Winter can be extreme.

For a house with the number of people, I am not surprised by a monthly amount of £377. From what I hear, this would be what people are paying for 4 to 5 bed homes, where they are not being extremely careful with usage.

Yes you could do that, just claim Carers Allowance.

For a UC claim, with deductions for pension, I am doubtful you would be entitled to much anyway.

Carers Allowance would need information about employment hours and earnings, as this may affect how much you would receive.

Yes you have to claim UC.

When you claim UC, you and your wife will  need to claim UC, linking the claims to form a couple claim.  Where one person is of state pension age and the other below state pension age, this is known as mixed age couple claim.

I would advise that you claim first and as part of the process, you will be given a linking code. When your wife claims, as part of the process she will asked to enter the linking code that you give her from your claim to link the two claims into a couple claim.

When you complete the claim information, you will be asked whether you have any caring responsibilities and whether the person you care for is in receipt of a disability benefit. You will of course answer yes.

You can be considered a carer for your wife, if she is in receipt of the care element for DLA and there is no other carer noted.  You do not need to claim Carers Allowance.  UC as part of the new claim process will check available records to see if they can verify you as a carer.

  If you are verified as carer, you will be entered into a 'no work related requirements' category.  And if you are entered into the category, you cannot be considered gainfully self employed and therefore the minimum income floor would not be applied.  You will still need to report self employment income and expenses, but only your net profit would be used to calculate UC awards.

As your wife is of state pension age, she would also be in 'no work related requirements' so would not have regular job centre appointments and nor will you. But you may both need to attend to verify information at the start of the claims.

Yes send the SAR's

If you have complained before and had no resolution, why not contact the FOS to continue the complaint to see whether this may help gain responses. The alternative is to start legal actions, but this may be expensive and take a long time. So trying FOS first is probably best option.

What is the assessment of what has caused the damage ? This is the most important thing to establish. It sounds like LV are looking at a poorly built house argument and that the damage does not relate to insured perils.

Fake I think, as DWP would not mention payment via Paypal.

Contact DWP Debt Management directly

Telephone: 0800 916 0647

DWP Debt Management customer service standards - GOV.UK

WWW.GOV.UK

@peakson

You also mention support group presumably LCWRA on UC claim so that gives exception from benefit cap. The link above notes the exemption.

"get Universal Credit because of a disability or health condition that stops you from working (this is called ‘limited capability for work and work-related activity’)"

Yes ESA and Carers Allowance amounts you receive separately are deducted from Universal Credit awards, because they count as benefit income. As dx says PIP/DLA do not affect UC award directly.

You should not have benefit cap applied, as noted on Gov.uk website.

Benefit cap: When you're not affected - GOV.UK

WWW.GOV.UK

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There is a limit on the total amount of benefit that most people aged 16 to under State Pension age can get - benefits affected, benefit cap amount.

As soon as UC is claimed, a stop notice is sent to TC to close the claim.  So contact HMRC about any TC that is owed.

Your choice in regard to UC. Do you provide evidence of self-employment being able to earn you a living in the next 12 months, by providing details of your plans to develop your business ? Or do you accept having to become an employee searching/applying for enough jobs to keep the Job Centre happy ?

Ask yourself the question as to whether your health currently equips yourself in dealing with this ? If not, go to your Doctors and ask about a fit note. If you went to an interview for a job, how would you present to any employer? Stressed and not functioning?

Just make a claim to your Insurance company, which you have to do so anyway, as it is a condition of the Insurance to notify of all accidents.  Just explain the reasons for not collecting too many details.  The Insurers will be used to having few details collected on some occasions.

Yes, the Council will update the account to note that payment is in full, so whatever amount outstanding will be requested.

Sometimes you have to go and see the Council face to face to resolve.  Local Citizens Advice have often got direct contact channels with those in the Council who can resolve, if you need assistance. 

I see nothing wrong with what the person from HR has stated.

Your actions outside of work hours can be breach of your employment contract.

If you are member of a Union ask for help.  If not, you may wish to ask a colleague you trust to attend the disciplinary hearing, so they can take notes.

If your feel that your health would prevent you from attending this disciplinary hearing, then ask your GP for letter or fit note, stating that you should not attend such meetings for a period.  

Care issue will not affect UC.

Not 100% sure about DLA being used for care costs. Don't see why not.

You need to accept commitments or claim is closed. You can appeal the Job Centre decision as already stated.

You need to tell job centre about your current homeless status.

Job Centre only have to take into account current risk of you becoming homeless.

For now you have to accept commitment, otherwise the claim will be closed, if not accepted by date in your to do list. And you need to attend the appointment booked or a Decision Maker (not Job Centre) can apply a sanction.

The journal message from Job Centre if worded as you have said, is not following correct process. The process is that for self employment gainful or non gainful decisions, claimants can appeal these first with the Job Centre, by asking to see another self employed Work Coach. Then if a different Work Coach makes the same decision, Mandatory Reconsideration can then be requested where a Decision Maker independent from the Job Centre reviews the last decision by Work Coach.

Challenge a benefit decision (mandatory reconsideration): Eligibility - GOV.UK

WWW.GOV.UK

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Challenge a benefit decision - how to ask for a mandatory reconsideration, evidence you'll need, deadlines and what happens next.

You need to cooperate with the Job Centre for now, but you can appeal decisions made and you can also make a complaint using the DWP Complaints process. Just Google DWP complaints procedure. But complaint here is the Job Centre not following process regarding allowing you to appeal decision, by booking in new self employed Work Coach appointment. And the Job Centre should never say they will sanction you, as that is a decision for Decision Makers independent of the Job Centre.

Your legal battles have nothing to do with Job Centre unless they were going to prevent you becoming homeless, as DWP has a duty under law to prevent homelessness.

In this situation, if the repair is £600 it appears logical to get the work done at your expense, as you have a tenant to look after.

Then you look into the issues with the property, in regard responsibilities, so you understand what actions you can take now and in the future.

These leak issues are a recurring nightmare with flats and in most cases the flat owner below is left with costs to pay which they never recover. Whilst I agree that upstairs flat owner took too long to fix leak issue, it is the time and expense in trying to seek recovery. As advised, you have rights to obtain information, so you can try to pursue.

No harm in writing to them.

You just write, 

My residential address for all communications is ..................................................................................