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Hi This morning I had to attend an interview with the Compliance Officer at the local Job Centre. I am the appointee and official carer for my daughter who is receipt of ESA (Support Group) and we went to a family wedding in Turkey for 7 days in June 2014. Apparently I am meant to inform them when my daughter goes on holiday for a week, firstly I would like to know if this is true as I thought it was longer than this. The second thing I would like to clarify is that since this holiday someone has informed the DWP that my daughter is living abroad in Turkey with a Turk which is totally untrue. After this holiday my daughter broke off her long term relationship with a boyfriend who she was not living with, they both had seperate properties and since then has moved back into my home with me due to harassment and other problems, my daughter has mental health problems. We attended a Compliance Interview this morning in which she showed her passport, I had to show some I.D. and I provided written confirmation that my daughter is living with me. The Compliance Officer used bullying tactics which were way over the top, it is a good job that I know the Benefits system quite well as I used to work at the Citizens Advice Bureau but that was a few years ago now. This officer was like a rabid dog with a bone and treated us both terribly. She has stated that my daughter is not even allowed to stay overnight anywhere with her new boyfriend nor he with her when she is in receipt of ESA, is this correct because if so then that would mean that nobody under the new system would be allowed to have a normal relationship. I did state I was very unhappy with the bullying tactics and that I was going to complain at a higher level. Can somebody on this site please enlighten me on the new rules in regard to ESA. I appreciate any help in this matter. My daughter is 26 years old.

With formal notice from Ofgem in relation to an investigation of BES, it is considered reasonable to make the following information public; It is with some satisfaction I can finally reveal that a major London law firm has now agreed to look into BES with the intention of starting a group action. At this stage, anyone reading this that has received a 'gagging order' in theory will still be able to bring their case to the group action as evidence - any attempt to stop you doing that will be taken very seriously, and is almost certainly perverting the course of justice, so please do contact the group action in confidence. I am unable to divulge who this law firm is at the moment, as there are a couple of loose ends and the QC wants to see the cases in more detail (and needs a few more to look at). However, rest assured that the person I have looking at BES is one of the best QC's in the UK. He is vastly experienced with over 30 years experience in litigation both representing and taking actions against banks, investment companies and even the Government over contracts worth billions of pounds. He is the man for the job! The lawyer is also concerned about any letters anyone may have received from a law firm acting on behalf of BES threatening defamation. This is clearly defended by True Comment, Honest Opinion, Public Interest and Fair Comment, which under the circumstances are entirely reasonable. Some concern has also been cited in relation to the apparent time scales in the letter in question, and in fact whether the law firm had been correctly instructed. The group action is bring organised by someone else, but I can advise you it will seek to; 1) Investigate and if possible prove an unlawful connection between BES and brokers . 2) Investigate and if possible prove that contracts had been miss sold via bullying, intimidation, harassment and unwanted pressured sales calls. 3) Investigate and if possible prove that the contracts in question should be voided and the Contractees awarded damages. 4) Investigate and if possible prove that a number of telephone calls have been edited to serve the purposes of winning a judicial process. 5) Investigate and if possible prove that BES and companies herein have colluded and conspired to decept a court of law in order to obtain warrants for bailiff action and/or supply disconnection. 6) Using the evidence provided show our findings to a judge before a court of law with the intention of proving that BES and companies herein have acted unlawfully, wrongly and unreasonably - and to award the victims damages. The QC has kindly offered to look at cases free of charge, with the intention to mount a case once he has in the region of 10 cases - which I think will be somewhat of an underestimate of what he will receive. Once the Ofgem investigation is complete, the QC will be leaning on them for evidence to support the claims set out above. If you feel that you would like your case to be looked at, please email besclassaction@gmail.com with your details, they will be passed on and you will receive a reply in the upcoming weeks. The review process will be free of charge, and you will be notified if the QC is prepared to take on your case.

Hi, Just wondered where I stand with a default from Home Retail Group (Argos card). I missed 2 payments in August 2010 and they registered a default in November 2010. I paid the debt of fully in May 2012. That is when Home retail group stopped reporting my account to the CRA. I called them last week about removing the default or account from the CRA's but they have no details of my account on their systems. I looked into this a little and believe that Home Retail Group updated their systems in 2013 and may have deleted my account as it was satisfied. Would this give me a case to call/write to them to get them to remove my default? As I think they have no info on it? Kind Regards

Hi - please can anyone advise. Came home tonight to find a hand delivered 'removal notice' from Marston Group (in my 22 year old daughter's name). When we phoned him all he would say is that it was for West Hampshire Court for vehicle offence of being without a valid licence. He couldn't give vehicle, or registration just said it was 14 June. The thing is my daughter was here in Kent on 14 june - she was at work am and the picked up us from the airport pm (Gatwick). Nowhere near West Hampshire! Also, this removal notice is the FIRST piece of correspondence we have had. No court papers, no summons, no notice of hearing, no paperwork at all from any creditor or any court and no previous correspondence from Marstons - bailiffs have to write first before turning up. We've had nothing. Just this removal notice out of the blue. I'm going to contact the court but what can we do about this bailiff firm harassing us in the meantime? The guy was just aggressive and rude and not interested. I'm really worried. Daughter has just finished Uni and doesn;t have any goods apart from her clothes and make up but the guy reckons he has a power of entry to come into my house and will take whatever she cannot prove is not hers! Please help. Thanks

Hi CAG, Wondering if I could get a little bit of advice here on what I should do and where to start. I've been claiming income related ESA since the 8th of April 2014 and on the 26th September 2014 I had my ATOS assessment. This week the DWP/ESA have decided and placed me in the Work Related Activity group (Yay - I think?). Well they have put me in the group from the 26th September 2014 and told me that I will be back paid from the 26th September not the 14th week of my ESA claim like it says on there website None of my circumstances have changed between the 8th of April and today so I see no reason why I should be penalised for the long wait time for my assessment. Thanks CAG...

Hi, hope admin don't mind but I am looking for others like myself who have been screwed over by Natwest/RBS. I moved some of my properties to them and took out a 5 year loan facility with them in 2007 on the understanding that they would renew the loan as long as I was a good customer & paid my dues. I did pay my dues & never missed a payment but after the banking crisis they decided they didn't want to have "buy to let properties" on their books any more & demanded all the money back, including the further loans that I had taken out over a 15 year term. As banks weren't lending at that time I was unable to repay the money so Natwest appointed LPA receivers. This never went to court as they use "the law of property act 1925" a very interesting read if you have time. I have been battling with Natwest ever since & have spent a small fortune on solicitors & barristers. Please see my other posts for the early part of my story. Unfortunately I cant post the rest of my story at the moment but I will as soon as I can. The main thing I need to do is find others like myself so please contact me, we may be able to help each other. Thanks in advance.

I took out a payday loan in 2012 for £100, i believe it has been that long, i can't remember. I got in to financial difficulty and ignored the loan, silly i know. Today i received the following letter : Client: BCW GROUP(Gothia) limited creditor: Wonga-purchased payday loans account BCWF Ref: ****** Client Ref : *********** Dear Mr * We have been instructed by BCW GROUP(Gothia) limited to recover an over dude debt of £319.48 on their behalf. Our client has informed us that they are unaware of any legitimate reason for non payment on your account. Whilst our client would still like to settle this matter amicably, fai;lure to contact us to discuss your account and arrange a suitable repayment plan could result in us recommending our client to consider possible legal action. You can prevent the above action being taken by contacting us immediately, to discuss a solution which we will take account of your current financial circumstances. I'm not disputing I owe the money I would like to know, how to go about sorting it out. I am on benefits as I have serious mental health issues, and it's starting to effect me mentally all ready with worry. Any help or guidance would be so appreciated, I know not to ring them.

Hi, I just wondered whether anybody can help me with this. I am in the Support Group of ESA and I am also in receipt of both the care component and mobility component of PIP. I received a letter today from my local job centre saying I have to attend a work-focused interview with a view to helping me back into employment. I telephoned them to ask what it was for and why I was being called in for a work-focused interview whilst in the Support Group and they said it is because there is a new advisor at the job centre and she is calling people in “for a chat, just to get to know them”. As far as I’m aware the DWP don’t call you in for a chat, just to get to know you. I’m really worried now that they’re going to try to force me into work or sanction me because I’m not capable of working. They said on the phone I had to attend or it will affect my benefits. Anybody any ideas why this might have happened and what I can do about it?

Just asking for my brother he has recently been put in the support group of ESA, I have advised him to try and claim PIP, but as of yet he hasn't. I have been reading a lot about Severe disability premium, and wanted to ask is this added automatically to your ESA if you are in the support group, or do you have to apply for it separately. Any advice would be very welcome, BTW, he lives on his own.

Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen. Only 1 fee of £20 for direct debit cancellation in may 2008. I want rid of this debt, feel I've paid enough, or in my calculations only now owe £111.01 minus any extra charges. What can I do. My next post will be about my car. AKTIV KAPITAL have not supplied my payments made but my balance is still £6163.23 Been paying this since January 2008. Went to step change in may 2010. I've looked closely at my credit agreement and there is shortfall extra insurance that I didn't ask for, and a whole array of confusing figures. The amount of credit for the goods was 7950. I've been conned and want to sort this out as lost my job, (but am fighting in employment tribunal) and need to clear up my debts as got loads of them totaling 15k. Please help

Hi all, I have been attending the Work Related Activity program for a couple a months now. All was going fine, chatted about what I'd like to do eventually and sorted out my C.V. etc. However, since last week, the lady who I see has entered me into the Universal Job Match website and insists that I look for work through that website. This confused me as I thought I was considered too ill to work at the moment but according to her, people on ESA are considered the same as people on JSA and should look for work on a regular basis. Is this true? I can't work because I lose consciousness sometimes two times a day making it impossible. I don't know why I am being forced to look for work if I can't. Also, on a side note, I have been staying at my in-laws for the past week and arrived home to two letters from them. One was for an appointment today to look through jobs vacancies (which I missed due to having no awareness of it) and one tomorrow to discuss what should have happened today, and to bring along any evidence of my efforts to look for work (what evidence though? There is none!) I don't know if the lady is getting mixed up between JSA and ESA or what, or if this is a cruel government scheme. And, what should I say to explain my absence of today's appointment, should I tell the truth or would this be detrimental to my benefits? Thank you! Edit: If I am indeed not expected to apply for jobs, is there any government websites which states this that I can show her?

Hi, Two years ago (2012) I was placed in the WRAG ESA group for a year then this time last year I received my ESA50 form for review......I filled it in with all evidence and details of docs, social workers, support worker etc and I was then moved into the support group (2013). It is coming up for the time of the year when I last received my ESA50 last year. Should I expect another one soon? I don't know if I can be faced with all the stress and hassle again especially as I have just moved to a different doctor............ Thanks

I found out today I have won my mandatory reconsideration and have been moved over to the support group. I was so shocked, happy, relived I burst out crying. Truly cannot believe it. The pressure release is amazing.

I am a 62 year old man,who has osteoarthritis in my cervical spine and most other joints.After a recent ATOS medical,I seemed to be cured of my incureable illness with a stroke of a pen and was placed on W.R.A.G. I then attended an interview in my local Job centre and was told to appeal as i was to Old and unreliable to get a job.I have appealed and they sent me another form to fill in since then nothing. Surely they should put an age limit on these ATOS medicals. I for one would dearly like to get back to work however i am a realist. If the Government want people of my age and condition to work then at least support us until we get work.

Is Consumer Action Group run by Marston Group? Apparently a Marc Gander was a founder of this site?

As you guys know ive been dealing with Lowell and I though i had finally go the bottom of it. But was i wrong... After checking my credit profile Lowell have 16 entries for searching in the last 2 years... Dates below; 09/12/2013 17/11/2013 16/11/2013 15/11/2013 11/11/2013 04/11/2013 04/11/2013 01/11/2013 01/11/2013 29/10/2013 07/10/2013 09/09/2013 27/08/2013 09/08/2013 01/08/2013 03/07/2013 To me? This seems excessive...What do i do?

Hi everyone. Heard great things about this forum and have been a lurker for a while but now I have joined the ranks of the many that are being harassed by TNC. I'll give a background on my situation. A few years ago my partner bought some collectible dolls off Bradford group. (I warned her not to but hey, who listens to me?) Anyway, all was fine the first few times she got stuff then she ordered a single collectible doll and we paid for it up front, as we'd done with the previous ones, however, shortly after it arrived, another two packages came (about a week later) We contacted Bradford Group by phone and told them we only ordered one thing but they claimed it was part of a set. I told them that at no time in their catalogue or website was that mentioned and that we didn't want the other items. They said it was part of a set and that we had to accept and pay for them. I asked to speak to a supervisor who agreed that seeing as we'd paid up front for the first doll, we could just send the others back and that would be that. She said they would even send out a freepost return slip and that it would be there in the next few days. Two weeks later and it hadn't arrived, I called them again, had to go through the whole thing again, it was the same outcome, send back unwanted dolls, case closed, wait for freepost return slips to arrive. Another week went by and I had to phone them again, had to through the whole thing AGAIN! This time I told them that I was just going to post the dolls back myself and consider the mater closed. They claimed that it couldn't be done that way as the processing address for returns was different and it wouldn't be acknowledged as being received. So, again, I agreed to wait for return slips BUT, I asked who I was speaking to and and asked for a reference number for my case. About a month went by without any word, I phoned again quoted the name and reference number, explained the situation and asked for a note to be put on my file that I had on 3/4 separate occasions, requested return slips/offered to send back dolls. I agreed, for the last time to wait on them sending out return slips, after I offered to send back the dolls, at my own cost, by special/recorded delivery to the correct address but they wouldn't give me the address. I told them that this would be the last time I contacted them and I now consider the matter closed. I asked for all this to be put in another note in my file. The agent agreed, said they'd speak to a supervisor and they had agreed that if no retun slips were sent out, the matter was closed. Forward on a year, I get letter from Bradford group telling me i owed them money for the dolls and that if they didn't receive it within 14 days, they would pass it out to creditors etc. I phoned them, told them the whole story, quoted names and references but the said they had no record of it. I again offered to send the dolls back and had to go through the whole thing ANOTHER time! 2 weeks went past and two letters came one after each other, one from BG another from their creditors I can't remember who it was at the time but by this stage, I was sick of it and just ignored it. Nothing happened for about two years or so, then I started getting letters from TNC recently, threatening all sorts of action. After getting advice from people I knew and off t'internet, I ignored the letters, maybe two or three in a few months but i got one a few days ago saying I had 7 days to settle the bill or they were instructing their solicitors to go to court. This one has me worried....should I ignore it? There is no way I'm paying £179 for two dolls that were only worth £50 and that I had tried to send back numerous times...but should I contact them and explain....or is this all just BS scare tactics in the hope that I might be frightened into paying up?

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