Success stories

Success stories

A client was in receipt of ESA and PIP when their PIP was taken away following a reassessment. This resulted in them not only losing their PIP payments but also their disability premiums for ESA - a loss of £166.30 per week. We were able to get the PIP decision overturned at appeal and the payments were reassessed. Sadly this is a very long process and meant that the client was on reduced payments for 10 months, during which time he was reliant on friends to help support him but also ran up debts. The total owed to him once the appeal was successful was £6,910.

September 27, 2018

Consumer Case Study (2)

In one case involving a substantial prepayment to a foreign legal firm offering a supposed route to a refund of time share fees we advised immediate cancellation and clients were then able to follow our advice and secure a refund of 3400 euros from their credit card company.

Regrettably we are not able to satisfactorily resolve all consumer problems and the ever increasing availability of the internet makes it all too easy to fall victim to scams of all sorts. Best advice is not to respond to unsolicited emails and never to give your bank details

December 6, 2017

Consumer Case Study (1)

As in previous years we have found that clients paying for goods or services in cash can often lead to problems or make any problem more difficult to resolve.

In one case an elderly lady living in sheltered housing paid in cash some £1100 for a second hand mobility scooter from a mobility products company. The buyer knew exactly what she wanted and ordered but regrettably the scooter supplied was not the one described or bought and was too large for the property where the lady lived. Fortunately the buyer had granddaughters who contacted us for help after the company refused a refund. When we contacted the company and explained the circumstances a collection and full refund was immediately agreed and carried out within two weeks.

We often advise clients to pay by credit card if possible.

December 6, 2017

Money (2)

Our client was at a loss with £48K of debt due to a business failure and the possibility of making herself ill working so many hours after taking on numerous jobs with little or no effect on her debts. She was working so many jobs she had a time table of where to be and when and was physically exhausted. Her husband had full time work and was contractually prevented from taking out any further work to help with the debts. We arranged an appointment with an IVA specialist who has successfully arranged an IVA with a regular monthly repayment without the need to work so many extra jobs. The client and her husband will be debt free in 6 years and the strain on their marriage and wellbeing has lessened.

November 29, 2017

Money (1)

The couple approached us for help as debts had become such a strain that client A had been signed off work with depression. It fell to client B to keep the household going but there wasn't enough money coming in to do this and pay any of the debts off which had accrued due to previous ill health and relationship breakdown. Client A was feeling stressed and questioning his relationship. They approached us for advice resulting in Client A having a DRO successfully submitted and becoming well enough to go back to work and client B successfully petitioning for bankruptcy. With the debts gone they were able to reconnect as a couple and work together to keep the household running.

November 29, 2017

Housing

Our client is disabled and was recently diagnosed with cancer. He was sharing a three bedroomed property with his ex-partner and their four children, one of whom is also disabled. This resulted in him occasionally sofa surfing at friends whilst undergoing and recuperating from cancer treatment. The local authority gave the client a low priority as they said he had a joint tenancy with his ex-partner. Citizens Advice successfully argued that it was not reasonable for the client to continue living with his ex-partner. His banding was re-assessed to band A, which means he can now access appropriate housing.

November 29, 2017