Search the Community
Showing results for tags 'required'.
-
A little history first. Wife diagnosed with Diverticulitus over 25 years ago she is now just coming up to age 65. Had a really bad episode late December 2013. Went to GP first day open in January 2014. Saw Consultant at hospital jan 2014. Had MRI scan,saw consultant who stated it was now Complicated Diverticulitus plus a Hernia and surgery was required. Appointment with Surgeon who confirmed diagnosis and reffered wife to Stoma nurse. 27 Aug 2014 Sigmond Colostomy surgery by key hole was done ( This was past there own target of 18 weeks and took me ringing the surgeons secretary on a more than weekly basis to get anywhere.) Wife came to after op and no stoma. Surgeon stated he had been able to remove part of the bowel and reconnect with the other part of the bowel. Great!!!! We then had to wait till the 03Feb 2015 for the Hernia op this took even more chasing and it is quite soul destroying to see your wife in agony and myself having to push the hernia back into the abdomen. After the hernia op we thought great job done however my wife remained in pain which we put down to the hernia op as it had become so large and we in our naivety thought the area was taking a long time to recover. Last wednesday my wife collapsed with intense Bowel pain and I had to get an ambulance for her she was admitted had chest and abdomen x-rays and eventual an MRI the diagnosis is complicated diverticulitis and another hernia higher up in the bowel which would require more surgery and a stoma bag fitting. My wife was asked when her colostomy had been done as there is no Disc or notes on the op in her file. also told that not all of her diseased bowel had been removed. She was treated with morpine and intravenous anti-biotics we were told they would not operate at this time because of the infection and inflammation. She is at home now but hardly dares to eat anything and we are back where we were two years ago through no fault of our own. No doubt we start the merry go round again, do they now have another 18 weeks to fob us off too which they cannot keep to anyway. Why were we not told that the original op left a problem still in existence. That would have enabled us to at least go back to the Gp or hospital with the problem . Follow up appointments after surgery are a thing of the past all they are interested in is discharging you.
-
Received a rather unfortunate parking fine from UKPC after parking outside sports direct at a retail park in Aylesbury (I don't even live there hence why I didn't know about the pay and display rules). Walked up to car after a quick 20 minute visit, to find a ticket and the warden standing there I asked him why I had one. Not knowing about the need to have a ticket I tried to explain my innocence but he couldn't do anything. I read the sign after (my fault I know but I just didn't think I'd need a ticket) and it said parking free for two hours. I was there 20 mins and made a genuine mistake not knowing the car park rules. I appealed, and had an email saying if you don't hear back in 35 days to ring the number provided. It got to 35 days and no response. I rang them several times with no answer. I then received a letter today from debt collectors demanding £150! Original fine was 100 or 50 if I paid before 28 days. I rang the debt collectors and stated I had not received a response to my appeal, to which they said a letter was sent out on 2 Nov 15 - which is 5 days after my appeal. I have never received the letter. If I did I would've reacted there and then. They have said pay up or it goes to court effectively. Now I feel I am being harassed without my appeal being dealt with properly. I've heard the BPA or POPLA can assist? But as it stands I can see it only escalating and my mitigation does not seem to have been looked at fairly in my opinion. Has anybody got any advice? I am being fined for making a genuine mistake but the fact the parking was free for two hours and I was there for 20 mins seems extremely unfair if I can only have a common sense approach applied plus the fact my appeal rejection was never received by me must stand some ground? -
Good evening, I wondered if you could help me. I have received a county court claim form for a credit card debt. The credit card was capital one and the debt was passed to various solicitors over the years. The debt is now with Capquest and they have instructed Drydens Fairfax to manage the matter. This credit card was taken out over 6 years ago, however I believe the last payment made could be around the 5 or 6 year mark which if over 6 could make the debt statute barred. I have tried to find old paperwork to try and see when I last made payment but can't and I no longer bank with the particular bank from which the payments will have been made. I know I haven't made any payment since May 2010 and could be earlier. The issue date on the Claim a Form is 03 December 2015 and I know I have to comply with timescales. I cannot afford to have a CCJ registered against me as I am looking to purchase a house next year. I haven't received anything from anyone about this debt for around 4 years until a week or so ago when I got a letter from Drydens. They threatened legal action if I didn't contact them within 14 days. I contacted them within this period and emailed for more information. They emailed back to request a paragraph from me to confirm that I was happy to correspond via email I did this, received no further response apart from the Claim Form. I don't know what to do for the best. The debt is in excess of £2500. I also cannot find out when my last payment was. I don't know where to start. Do I acknowledge regardless? Do I attempt to defend with no evidence unless they can prove otherwise? I look forward to receiving your help Thank you -
I received a windscreen invoice from UKCPS after being parked illegal in a private car park. The background to the case was that my elderly mother who is diabetic was having a hypoglycaemic attack. It was medical emergency. My mother is a Blue Badge holder but there was not time to display the badge. I completely ignored UKCPS demands for payment after reading advice on forums. I have now received the attached letter from Miah Solicitors. They have sent me Practice Direct on Pre-Action Conduct. What would action would you all advise me to take? Should I now just pay it or continue to ignore it. Are they likely to take to court and would they like win they did so. I'm unable to provide evidence to support my case. Many thanks. -
Hi All, I received a NIP for a speeding offence (34 in a 30 zone). It turns out my wife was driving so we duly sent the NIP back to the camera office with the correct details. I was somewhat surprised to receive the revised NIP in which the speed in question had now increased to 35MPH. Whilst I acknowledge this is a minor increase, I am sure the camera office are not authorised to raise speeds after they have been officially recorded and issued? This has confused somewhat, and given me cause to query the offence. Any guidance gratefully received. Many thanks, Mutley
-
Hi Everyone My wife and I hit difficult times in 2008 like most people and we eventually faced the Grimm truth that we could not afford our debts in 2009. Two of these debts were with HSBC, credit cards, that we agreed a zero percent interest rate and a fixed monthly fee to pay them off. Our combined debt equated to nearly £14k. In 2010 we signed with Payment services Bureau so that we could avoid paying interest. We signed standing order mandates to 2018 for my wife and 2020 for me. Over the last few years we have never missed a payment and the standing orders continue to go out of our bank account every month without fail. I have never received any official letters from HSBC stating any re-assignment and the fact that the standing orders keep going out have made me suspicious of recent claims by Cabot that they can hassle me for the balance. Tonight I have returned home to see two letters from Reston Solicitors stating that they have been instructed to seek immediate payment of the outstanding monies. They have given me two weeks from the date of the letter to settle - is this legal?? First of all I've never signed anything with them. Second, I have never had a re-assignment letter on official HSBC paper. Third, I received the letter today (November 16th), how can they demand a response in just over a week? Fourth, the balance they have demanded between us is just under £6,500 so why the high pressure when we've already paid off over half the outstanding amount from 5 years ago? I am working away for a few days and this really limits my capacity to research these parasites. Could somebody help me please? I have attached the three letters - HSBC to confirm deal and freezing of interest Payment Bureau to agree repayment schedule and Reston threatening us We have almost two sets of identical documents, the names, dates and values are the only differences. Can somebody help me with the next steps I must take please? -
After a few requests from the secretary, asking for the bushes to be pruned, my wife pruned them a week last friday. sadly she got an infection in her right hand ,which spread to her right arm. She has been off sick for nearly a week now after the infection that started in her hand causing swelling quickly spread to her arm, causing that to swell too. As my wife is part time, she only earns around £76 from her employer so I am guessing she won't be eligible for SSP.Is this correct, as I believe an employee has to be earning at least £111.00? As the accident occured on her employers premises, is he therefore legally obliged to pay her full pay while she is off sick?, furthermore, can she also claim for loss of earnings from her second part time job? As the company only employs around 4 or 5 people, are the company obliged to have an accident book? .the law states that a small company are not obliged to do so, but what is interpreted as a "small Company"? Her employer did not provide my wife with any PPE. My wife provided her own gardening type gloves. Any help with the law and any implementations would be greatly appreciated. -
Hello I have two Student Loans dating from 1995 and 1996 that I took out whilst at Aberdeen University. For many years I deferred them with the SLC with no problems until 2011. In 2011 whilst self-employed they refused my deferral due to the chap that I was sub-contracting for not writing the letter regarding my income on headed notepaper. I probably had some communications from them which I ignored as this was during a spell of depression and ignoring my debts. Back to present time, and this week I have received a letter from a company called Thesis Servicing (only has the 1995 account number on the paperwork) advising me of there intention to register defaults for over £3800. (this must be both loans combined.) There is also a letter that appears to be a default notice. I am still on quite a low income, what shall I do? I was hoping that after 20 years the sums may be written off. I really don't want a CCJ, is it best to see if they will accept a low monthly payment? Many thanks in advance for any advice given.
-
As a regular Cagger I often look for new legislation and points of law to assist any and all posters. With this in mind I have been looking for ways to assist disabled people of all types and the use of mobility scooters/wheelchairs/power chairs in a public/enclosed public spaces finally tower/office blocks that have lifts and the like. Why would I do this? I myself am disabled and have often been shunned by Local Government and many more service providers. Today whilst drafting a formal letter of observation/s to my LA housing provider and their Arms length Management Organisation (ALMO) I came across this nice little piece of information. See here https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/441785/BR_PDF_AD_M1_2015.pdf PDF attached in case the link gets broken. The reason for my enquiry is as follows. 1. Is this now legislation? see the section marked (Main changes in the 2015 edition) page 2 2. Can it be used to defend the banning of mobility aids? 3. Can it force any LA/others to adapt their properties under this (Act?) if it is already an Act 3a. (It does state it comes under the buildings Act 2010 (Amended 2015?)) 4. What impact can this have on any type of "Premise" in the future? 5. What impact will/could this document have under Equality Act 2010? This is a thread of interest for many disabled persons and I think worthy of discussion, why since there have been significant cuts in services for those that are disabled I feel it is time to fight back and get the full protection of the law.... As always your thoughts please. Note to admin: If you can find a home for this thread in the correct forum please feel free to move it for me please....
-
OK guys, here we go. Made redundant from work in october 2000, long story short all my creditors went default before I got back into work. RBS particularly harsh, really dragged their heels concerning my PPI claim etc. When my personal loan and royalties account overfdraft went default, I got battered for charges. Been paying them back since may 2001, never missed a payment, always made the increases when asked. Over the years I've received letters from their CMS in telford and another company (whose name escapes me but I will dig it out) who appear to be a DCA acting on their behalf. Payments always made on time into my account at my local branch, using my account number and sort code. 2 months ago CMS telford wrote to me with instruction to now pay into a different account number and sort code. Have recently received another letter from CMS telford asking for an increase in payments that I just cannot meet. Not particularly scared about this as they simply cannot have what I haven't got. Question is, can I S.A.R - (Subject Access Request) them and claim back anything? -
I am so angry. bank holiday ruined by Welcome. My husband took a loan out with welcome in 2006, we borrowed a little more in 2008, however we paid this off about 3 or 4 months later, in full when we sold our car. We have recieved letters from IND and welcome saying they are chasing the money, following the letters i wrote to them asking why they hadnt marked an account as settled from 2008! We also wrote to them a year ago about PPI and they said he had none, there letters now say we did. They also said that there is copy agreeemnts and letters that we have apparantly sent in the mean time. none of which were included. i am not happy at all as we are trying to get a mortage through and they are claiming they are putting him in court. I cant beleieve that a company like welcome would regiser a default in 2009 and not chase until 2013. also i know this was paid off in 2008. but the credit files say default 2009. i am at a little loss, what do you do. Thank you all. x -
Hi All, I am in dire need of assistance! I have recently been applying for a Mortgage which has been declined last week due to a default being placed onto our credit files (Me & my wife) by Halifax for an old basic current account which we have not used since 2009. A brief timeline of the events so far.... 17/07/2015 - Applied for mortgage via broker, lender credit checked and issued DIP the same day. 31/07/2015 - Unknown to us until yesterday a new entry for "Halifax" added to both my Wife's and my credit files. 17/08/2015 - Formal mortgage application sent to lender. Lender conducts another credit check and obviously discovers that a default has been added on since the initial credit check they carried out in order to issue the DIP. We had already chosen the property, had the offer accepted etc. The solicitor has ordered the searches as well so we could be considerably out of pocket. I have not had an adverse mark placed on my credit file in over 4 years so to have a default placed 2 weeks before a formal mortgage application is just about the worst thing that could possibly happen timing wise!! What is even worse is that the default is for £39!! The entry on our credit files is as follows: [ATTACH=CONFIG]59110[/ATTACH] As above this account has not been used at all since 2009, we have zero communications from Halifax no statements, letters nothing whatsoever. I managed to find some old paperwork with the account number on it so called into a branch today to en quire as to what had happened to cause a default to be placed suddenly after so many years of inactivity. The chap I spoke to in branch trawled his computer to find the last transaction and issued me with a mini statement which reads as follows..... Sheet: 1 Of 1 Date Issued: 13/02/2010 Date Activity Paid Out Paid In Balance 13Feb10 0.00 13Feb10 CHG ACCOUNT CHARGE 15.00 0.00 15.00 DR TOTAL PAYMENTS/RECEIPTS: 15.00 So as you can see the balance on the account was zero, then for some unknown reason Halifax applied a charge of 15.00. Presumably this has been incurring interest for the past 5 and a bit years hence the default of £39.00. There are no other transactions recorded for this account after Feb 2010. I appreciate the correct approach to this would be a SAR etc.. however as explained above I have just had my mortgage declined. Our existing tenancy agreement terminates in October with no change to renew. And I dare say we will struggle passing the stringent credit checks carried out in the current rental market. So I need to fix this problem as quickly as possible, we also have an appeal in progress with the lender which I am pretty sure will not succeed whilst these marks remain on our file. In summary Halifax have put us into a dire position by registering defaults based solely on a single bank charge some 5 and a bit years down the line!! Without any notification whatsoever. Obviously I need to send a letter asap but my head is a shed at the moment and would appreciate someone giving me some starting points.. Many thanks in advance for any assistance offered. -
Will someone please copy and put up here the terms and condition of the insurance. Would you also let us know 'exactly' what was said to you in the description of the policy, what was covered and what personal questions were asked about you? -
We parked at Port Isaac car park and paid £5 for a full days parking. When we returned to the car 2 hours later we had got a PCN. It looks like we may of left a window slightly open and the ticket had overturned. After searching these posts I chose to ignore the PCN and wait for the NTK arrive. I sent an appeal with a copy of the ticket when the NTK arrived stating that they hadn't suffered a loss and that to provide me with a popla code. I've received a letter back today stating that my opportunity to formally appeal has been lost as it should of been done within 21 days of the PCN. It does also state at the bottom of the letter 'please note, we have reviewed your case and can confirm that the PCN was issued correctly, therefore any appeal would have been rejected in any case' Any advice on what to do next please, do I just ignore it or is this company likely to take it further. Also should they have issued me with a popla code.
-
Hi Before I speak to my local council tomorrow I wondered if you could help me with a question. I received a housing benefit review letter with two form. As a sole trader I have to fill in my expenditure form-no problem. The other form is an A/B/C form. Part of the form is asking me to send in 5 weeks pay slips or 1 month payslip. I don't have either as I am self employed and don't have pay slips. Thanks -
Hello all, as a newbie to the forum please bear with me. Here's the situation. In march 2015 I was issued with a parking ticket for parking outside the gates to my apartment complex. The reason I parked outside and not inside the gates in my private space was that the electronic gates were broken and it was nearly midnight. I parked in of the two visitor bays and went to move my car back in in the morning, by which time a ticket had been submitted and the gates were fixed. I appealed to the company but they told me my appeal arrived too late and that the matter would have to be passed on. Currently my fine is with a debt recovery firm who are now demanding 160.00 or I face court action. I spoke with the debt recovery firm but they told me the best they can do is take a reduction in the fine. I feel really aggrieved by this even though I know I am not without blame for appealing a little too late ( a few days ) but I am so annoyed that it was because of the broken electronic gates ( which are always breaking down ) that I must now face court action or a large fine . If there is any advice anyone can offer me I would be very grateful. Kind regards. -
Afternoon all I'm hoping someone can help me advise a friend with an issue he has at work My friend is employed as a civilian within the emergency services. Recently they have been under a review, this subsequently resulted in a re structure within the department. My friends job title has stayed the same but the name of the unit changed. They were told to sign new contracts or accept redundancy. This new contract was at a lower pay scale losing them a few hundred pounds per month. Contracts were signed to stay in employment but stated as accepting under protest. Their role profile had 3 duties added to it (things they don't do and have received no training for), in fact the role profile and summary of duties are 95% the same as before. Due to the restructure of the department the role was classed as a "new" role; due to it being classed as a new role (even tho the exact same duties are carried out as before) the review team and the HR department are saying there is NO right to appeal the decision. My friend is wanting to submit a fairness at work grievance as they have not been allowed to comment or input on the entire process (despite being told they could, their job has even been re-evaluated by people who do not understand the complexity of the job) Can anybody offer any guidance or advice as to the legalities surrounding this scenario and what route to take for a grievance against their employer Cheers Fore_right -
Hi, I have been a member of CAG for years and have used your excellent advice to claim back bank charges back in the day. unfortunately i have an issue which needs a little more tailoring. i have received a court claim dated 24th November from Drydensfairfax solicitors / Cabot Financial for a very old (July 2006) Premier Man account. If i remember correctly (need to dig out all the paperwork) but this was a small debt I must admit i should have dealt with this many years ago but i guess i hoped it would go away if ignored. i have kept all the paperwork but do not have a default notice or any correspondence from Premier Man of any intention to transfer the debt to a DCA. The POC reads:- The Claimants claim is for the sum of £16xx.xx under an agreement regulated by the consumer credit act 1974 between the defendant and Premier Man Account number Nxxxxxxx and assigned to the claimant on 13/01/2012, notice of which has been provided to the defendant the defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. and the claimant claims the sums of £16xx.xx together with costs i will be making a CCA and CPR 31.14 request tomorrow. any advice you can offer would be welcomed and appreciated. thanks in advance C22 -
I am in a huge mess financially and I lost my home last year due to the fact that I couldn't afford the Bedroom Tax - my son had moved out etc. I have moved into my Mum's house where my brother also lives. Several weeks ago I received a Bailiff letter from Bristow & Suitor (for Council Tax at my previous address approx £1000) and I paid him £50 over the phone (he had posted a letter through the door) I then arranged a temporary payment of £10 per week for 8 weeks after which a review would be conducted. I only work a few hours a week - and failed to make a payment due to not earning any money that week - because of this, they have removed the temporary arrangement and have said that I now have to wait for the Bailiff to call. I am worried that the Baliff may call whilst I am not in and my Mum being confronted by the Bailiff and/or him attempting to take her's or my brother's property. I use my computer to earn money - I do online Market Research after my Benefits were stopped a year or so ago and couldn't get a job - can he take my computer? Is there a possibility that he could take my Mum's or my brother's property? My Mum is getting on and wouldn't know how to deal with a Bailiff. I intend to carry on paying the £10 per week - even thought the arrangement has been withdrawn as at least I will be paying something. I am terrified I could end up in prison and I would really appreciate any advice. -
Citi-Opus-Cabot Court claim issued Acknowledged to Court and solicitors CPR 31.14 submitted to solicitor Agreed extension with solicitor Have had no further contact from Solicitor Would like help with submitting defence without any info -
Afternoon all having been a long time lurker on this forum I thought I'd post and ask for some of you experts on here to give some advice on a situation with K & Co (Shop Direct). The background to the situation is as follows. My mother in law opened an account with Great Universal some 20 years ago. They have now changed to K & Co and are part of the Shop Direct Group as you are all aware. The problem arose when a customer of my MIL (in fact my Sister in law) ordered a number of items on BNPL one of which was a note book computer type thing. My SIL states that the notebook was fully paid for within the interest free period, but despite this K&Co applied the full interest amount to the account balance (which i note from the statements I have they seem to do as a matter of course one month before they state the interest will be applied). This caused a dispute and my SIL refused to pay the interest amount therefore the minimum payments made were lower than K&CO requested on their statements. This started in April Last year. My SIL bless her has endeavoured to sort it out through telephone calls (eek!) to K&Co "Customer Excellence" and has as you can imagine been fobbed off at every pass. She has written to K&Co numerous times about this dispute and eventually escalated the compliant to the FO who were next to useless but in fairness having seen the letters I do not think enough info was provided by my SIL or enough evidence to back up her claim. As the minimum payments have been lower than requested my MIL has accrued a number of charges on her account. My MIL's position is that as my SIL was her "customer" and K&Co were fully aware of that fact then they should be pursuing my SIL for the notebook not my MIL. K&Co however deny all knowledge of my SIL as a customer of my MIL and therefore state that my MIL is liable for the entire debt. No-one is denying that money is owed, they simply dispute the amount and the validity of charges imposed when K&Co were fully aware that the balance amount was disputed. The matter has now been referred to NDR and my MIL has panicked and asked me to look into it. I have told her that NDR are just a trading company of Shop Direct and I have written to NDR (cc K&Co) explaining that my MIL will not be speaking to them on the telephone as the account is in dispute and that no payment arrangement other than the one currently in place (£84.00 pm) will be entered into until the dispute is resolved. Therefore my questions are: 1. K&Co final decision letter was written on 30 June last year. Can we still CCA and SAR them? 2. Is it worth sending a CCA as there obviously is an agreement in place (goods ordered/received etc) or is it best to go straight to SAR? 3. Does the fact that the FO was involved mean that no further action can be taken? FO involvement ended abruptly in Nov/Dec last year when MIL and SIL fell out over this. Any suggestions very much appreciated! -
Hello all, anyone know about second charge and Deed of entitlement? Interesting Case with IDEM Capital, advice required please Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the claim as they had said they would based on second hearing and paperwork etc beign wrong. What kind of solicitor can best give advice on this? (I.e Conveyencing, housing etc?) Given they cannot prove Deed of Entitlement can we challenge their charge at the land registry and have it removed? Again, your advice is most appreciated! -
I am just trying to get some information to help someone. Couple in their 60's sold their property on one of these sale and rent back schemes. They were told at the time that they could stay in the property for life. What they did not realise at the time was they signed an AST. They have now been issued with a section 21. Now the fun starts. The current owners have since confirmed in a text that they did say the tenants could stay for life, but then said that circumstances have now changed and they need to sell the property. - does this trump the Sect 21 The tenants have repeatedly requested a copy of the AST but the owners will not supply one. However tenants now found a copy that is not signed by the owners and the tenants signatures have not been witnessed. - is the AST valid When the tenants sold the property they did not get any legal advice so I assume that the purchasers may have used their own solicitor for everything - possible conflict of interest. The current owners have a mortgage on the property but I am aware that many BTL lenders do not allow a mortgage where the vendors stay in the property - possible mortgage fraud. Would a SAR to the owners/landlords force them to produce the AST they hold, they are not aware the tenants have found theirs. As usual all advice appreciated. -
I am sure this is being posted in the wrong place, but I have no idea if there is an area here for it, so please excuse me if its wrong. Just a question really. I have an uncle who is in his late 50's. He lives in a council property, but came into a bit of money about 7 years ago, which was enough to add a small conservatory to his home which he and his wife use. His problem is, the roof has started to leak, and he cannot afford to pay a company the cost to get it fully repaired. So, every time it rains, it leaks, and this is causing damp to grow out there. He and his wife are both disabled and on income based benefits. I think its income related ESA, plus he gets DLA med-high and she gets pip enhanced-standard. Would anyone know if there are charities or funds that could help them? Sadly they cannot go back to the person who built the conservatory, as it was an off the shelf sale on ebay, not a company and it was my dad and some others that built it for them, and my Dad cannot sort it out as he died last year, so I just wondered if there is any help they can get?
-
Hello I need some help regarding the above for my daughter-in-law. Facts first; Seperated from my son Claims ESA Support Group CB DLA Low Rate Care & Mobility Working and child tax credits Two children, 1 of which receives higher rate care and low mobility Registered as self employed - working 18 hours permitted work for £20 per week, cannot earn more than that due to ESA rules. Please do not judge, I am stating the facts as they exist and please note, DIL has been allowed to claim these benefits for a number of years but has recently found out that WTC rules due to be made this month, that WTC will need to see she is working for the NMW, which of course she cannot do, just earning £20 per week for self employment and also would need to provide details of her earnings - no records have been kept due to mental illness, just calculated at £20 per week over the year. Fills in self-asssessment every year, declaring her income and taxable ESA, totalling over £7K per year. So my questions are what can she do regarding these new rules, does she no longer claim ESA, should she stop the ESA claim now and lose approx £460 per 4 weeks? Or wait for HMRC to ask her to prove her income and hours worked, which she does not have? And then lose a large amount from WTC & CTC? A couple of years ago she had a compliance check and was totally honest about her living alone with just her 2 children, her work and her benefits allowance. At no point was she asked for records about her employment, she sent proof of bills, bank statements etc. She is now more mentally unstable and I am trying very hard to help her, but she has stated that if her WTC was to be cut, she would harm herself. She has an appointment with the GP on Wednesday. She has previously had care from a CPN. I don't know where my son is and neither does she. She is vunerable and I need some help please as I am not sure what best to advise her. Please don't judge, the system has allowed her to claim these benefits and I can personally vouch for her self employment, she is up all hours of the night doing her self employment, incuding the early hours of the morning as she just cannot sleep. She also cares for my grandson during the night as he has frequent 'accidents' whilst sleeping. I have tried to research these new rules, it stated somewhere that caring for another person can count as work, so she does that, but how would she say that as she is not getting paid for it. If she loses her WTC, she will lose her house and to be honest, I am scared what she will do.
