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  • David
27 Jun 2025 16:06
Replied by David on topic UC and JC appointments

UC and JC appointments

Category: ESA, PIP, UC and DLA Queries and Results

Hi abc8512

That is correct. The Jobcentre staff are intermediaries for the Universal Credit Service Centre which may be in Wales or Scotland. If you have an interview at the Jobcentre about savings it will be with a Compliance officer.
You are unlucky if you are continually being invited to the Jobcentre. Other people get a To Do on their account with a link to upload bank statements.

David
  • David
17 Jun 2025 09:29
Replied by David on topic Bank accounts & informing DWP

Bank accounts & informing DWP

Category: ESA, PIP, UC and DLA Queries and Results

Hi Johnscott

You need to inform them of the existence of the account or else you risk an invitation to the local Jobcentre in the future for a Compliance interview.


David
  • David
14 Jun 2025 09:55
Replied by David on topic Worried I’m committing benefit fraud

Worried I’m committing benefit fraud

Category: ESA, PIP, UC and DLA Queries and Results

Hi chickon007

This definitely does not fall within the remit of DWP Fraud known as CFIS.
It may be a DWP Compliance issue but not if it's the fault of a DWP official.
Here is some relevant information from Scope--
www.scope.org.uk/advice-and-support/livi...e-disability-premium

Let me know how you get on.
David
  • David
12 Jun 2025 14:26
Replied by David on topic ESA to universal credit.

ESA to universal credit.

Category: ESA, PIP, UC and DLA Queries and Results

Hi Ms.Basset

When capital/savings goes over £6000 then your Benefit is reduced according to the Tariff income rules.
The government is proposing to link the banks to the DWP automated information system which will flag when savings go about £6000. The bad news is that they may use this as a reason for a Compliance interview at the Jobcentre.

David
  • David
10 Jun 2025 12:59

Bank accounts information in Universal Credit.

Category: ESA, PIP, UC and DLA Queries and Results

Hi Dottie@76

Yes you do. Some people have been caught out in the past by this and have had to go to a Compliance interview at their local Jobcentre.

David
  • BIS
05 Jun 2025 15:08

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Hi TJ

They are not medical experts. Only you can decide what to say, but I would try and get a letter from your GP saying that you are currently too unwell to participate in this process to the timescale they are proposing. One week is ridiculous. You can say that it is not because you are unwilling, but you are currently unable to. You have severe communication problems and there is supposed to be a team who supports vulnerable claimants and I would put a note in your journal asking to be referred to that team. In my view you should absolutely push that you have cancer, ADHD and depression and make it clear they are pushing you to the edge.

I don't have any better suggestions other than to file a formal complaint.

BIS
  • TJ
05 Jun 2025 12:44

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Hello - this is a follow on from the last post and I took the compliance interview having done a risk assessment and had my carer there and per last message from David I did post in the journal all the problems with my communication capacity.

They have come back - in a day -- with a list of requests for detailed letters from my pension firms (I have worked since the 70s, contracted out - even I can't track down the pensions and those that I have take years to reply, literally in the case of Aviva).

That's bad. I have been trying to get the paperwork together myself for a few years and health things along with DWP things take up all my efforts. I reckon if I am well enough - but even today I've got referred for more tests, most of my days taken just with the NHS appointments - I can get the paperwork in a year. That's doing well. I actually think the pensions firms won't do a letter for DWP with info on given dates and statement that I cannot access anything. They refer all queries when I ask to Moneywise or an advisor. DWP look to be asking for something that is unreasonable. And they want it in a week.


The request and the timing are so unreasonable (extreme) I still can't believe its real.

I have held back from doing anything stupid or rash - what is the sensible thing to do?

I don't want to overdo the cancer side as it plays down the fact I am not on meds for the ADHD and my depression is already kicking in with this stress and it makes me very ill if it takes hold - I have GP support and a plan but the reality is I am not strong enough to handle DWP, paperwork and the health challenges.

I can do a bit on each fronts each day - if I take it carefully. I don't think I can just say all that to them can I? It's the complete picture. Is there a better way to say it? Is there a better way to proceed?

I have engaged my MP and DWP complaints already as it's taken 18 months to get paid and the assessments were grim. As they can be for many I know. I don't know any more avenues.

Apologies for this being so long.

With thanks


TJ
  • David
03 Jun 2025 10:49

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Hi TJ

Yes it would be a good idea to give them a summary of your condition and how it affects communication.

Let me know how you get on.
David
  • TJ
02 Jun 2025 23:24

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Super - that's so good to know as I go into the next phase of all this.


So - shall I do a brief note in the Journal saying that I can only do my best in a phone meeting, I have explained so many times how it affects me, I refer to anxiety rather than Tourette's but its not good all round if I can't handle the pressure of a call, and then I do the call and have my risk plan in place to handle it .... and if it isn't going well I will end it and we circle back to reasonable adjustments? They seem wilfully to turn the other way no matter how many medical reports they get covering this and how the adjustments are so much better for them and me!

Thank in advance


TJ
  • David
02 Jun 2025 20:07

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Hi TJ

Good to hear from you. I will gladly advise you on any issues you have with Benefits going forward.

David
  • TJ
02 Jun 2025 18:57

backpay of servre disablement premium and UC

Category: ESA, PIP, UC and DLA Queries and Results

I am new so apologies if not OK to jump in and ask something as I am in similar position in that just had a back payment and I don't know how to check it. I see you refer to a letter being sent so I will ask for that.


The follow up point is something I have asked in the forum today in a new post - as soon as I got the backpayment (and before I have even started to get to paying off my huge debts) I got a journal entry saying I had a compliance interview from an officer at another branch. I assumed this happens sort of automatically when there is a back payment for a long period of time. I won't repeat that question here.

I will ask for the letter in my journal setting out what the catch up payment covers as this is not clear. I can check the Payments tab to see what I get each month though its so ie you don't know one month to the next I may ask for confimation to be added into the letter what the run rate or usual monthly payment will be if nothing changes. That way it can be checked and I we know where we are a bit more.


With thanks


TJ
  • TJ
02 Jun 2025 14:46

UC/incapacity unreasonable hurdles- stick with it and then can we help more?

Category: ESA, PIP, UC and DLA Queries and Results

Hello - I joined recently and want to thank you. Even being here means I can face the next challenges. I can't be alone in taking like years (yes) to be able to get well enough to do a claim let alone deal with the obstacles,, let alone get enough to pay the bills at the end of it. Well. - I have made it. This week is the first time in 3 years I can not worry about paying the bills and move on to dealing with the backlog of health things (cancer biopsy, bipolar, adhd and more - all in various stages of NHS treatment, in the long queues but at last I am getting treatment and I have money to pay bills.). so that's the good news - for anyone who like me thought they could never get treatment or the support to get you through this period you can do it and I am hoping that I am going to do more than just survive from now on.

Bad news - I go in for the biopsy and the same day there is a message in my journal about a compliance interview. Leaving aside how bad phone calls are for me and lots of people with stammers and a bad signal, the timing could not be worse really. So - I have a risk plan in place this year, been in touch with GP, got a carer as back up and feel ready for the next challenges re health and dwp which seems to do the most it can to get in the way of helping me get better. It costs the NHS a lot and DWP just makes it harder and costlier.

So - question: there are lots of arguments against the phone interview but one reason for ie it gets it over with and if it is quick and I do it with my carer so I don't have a melt down and he can help me if my stammer gets too bad and help me after etc should I just go ahead tomorrow and get it done or can I put it off till a better time? In fact I have huge debts I need to sort out and HMRC but one thing at a time given I don't want my health to tank badly while I am managing OK so far this year.

Wrinkle - I have asked for reasonable adjustments etc x number of times and I haven't got far with DWP. I have it in mind that like a lot of others and certainly my mother, they can't claim or face the DWP hurdles so while I have the voice and chance I really should put a note in the journal to cover the point as otherwise I feel I am at worse endorsing the process that just isn't fair.


Thanks so much for being here - it's a bit of light in what has as is a long dark tunnel. Very much appreciated.

This is my first posting so I hope I am doing this OK.


Tj
  • David
28 May 2025 13:13
Replied by David on topic Universal Credit overpayment

Universal Credit overpayment

Category: ESA, PIP, UC and DLA Queries and Results

Hi Anisty

Just one thought....you would not be under a Fraud investigation. DWP fraud is investigated by a separate department called CFIS. They look at premeditated attempts to defraud the DWP.
Your situation from what you have said so far falls under the remit of DWP Compliance where claimants neglect to inform the DWP of something. For instance all the Carers who are in the headlines for earning more than the Carer's Allowance limit and are having to return £000s to the DWP.

David
  • Anisty
22 May 2025 17:58
Replied by Anisty on topic Cost of Living disregard

Cost of Living disregard

Category: ESA, PIP, UC and DLA Queries and Results

I suppose on a positive note, they have done something!!
This might be the start of them about to correct the full claim.

Going to be slow though if they only correct it one month at a time.


They never applied COL and say my son's capital was £17302 in December 24.

And - at this stage - they don't know i spent that money on energy.

They just have not deducted it off the capital there at all, despite both my MR and letter in response to civic penalty UCD 68 advising them that £1850 COL was received.

Deduct that and it's under 16k.


Whatever they have done - it's wrong.


But if this is the end of the matter, that is a small overpayment compared to what is actually owed (£2.5k ish)

At least my prompt payment shows compliance which will be helpful if i do get a compliance interview i suppose
  • Maximeow
20 May 2025 11:53

UC Migration. local Job Centre repeatedly ignoring complex needs requests!

Category: ESA, PIP, UC and DLA Queries and Results

Hi everyone, I’m new here – apologies if this isn’t the right place to post.

I’m a carer for someone who recently migrated to Universal Credit from PIP and ESA (he is in the ESA support group). We completed the process last Monday over the phone with support from Citizens Advice.

Since then, the local Jobcentre (Matlock) has insisted on a face-to-face ID check, despite the fact that his GP has marked him as housebound. We've requested a biographical interview over the phone, and with Citizens Advice, we've asked three times for a Complex Needs Alert to be added. He has multiple health conditions including severe sleep apnea, Autism, ADHD, is in a wheelchair, and has a compromised immune system.

Despite all this being noted in his file, the Jobcentre keeps reverting the appointment to an in-person one. They've also repeatedly called us, pressuring us to agree to a home visit, saying they don’t work for DWP and implying that non-compliance could delay the claim.

Citizens Advice advised me to wait for a caseworker to call (expected today), and also to submit a formal complaint. The appointment has now been cancelled (I have this in writing) pending that caseworker contact. My concern is whether he might be sanctioned due to the cancellation, as the local Job Centre has not sent any acknowledgement of the cancelled appoitment. The DWP helpline handler suggested to cancel the appoitment as I'm going to speak to a DWP case worker today. The appoitment was at 10:30 this morning. I’ve confirmed the cancellation was logged with a reason in his UC journal. I haven’t had any follow-up from the Jobcentre until today at 11:50 saying that I need to contact UC or there could be problems with the claim.

Citizens advise also suggested to put in an offical complaint, but I don't know the name of the area manager.

Any help on how to deal with this is greatly appreciated. The person I'm caring for has been claiming benefits for 13 years now. Surely his ID check can be done over the phone. All this stress is making him very Ill and agitated.

Many thanks!

Metin
  • David
15 May 2025 16:22
Replied by David on topic Migration to UC and spare bedroom

Migration to UC and spare bedroom

Category: ESA, PIP, UC and DLA Queries and Results

Hi blueshouter

Firstly when the DWP are informed about a partner staying over night this will generate a UC agent To Do ---Record compliance outcome (living together). So you need to be prepared for this as if you are deemed to be living together your UC claim would be closed if your partner owns a property.
Here are the rules regarding the spare bedroom exemption for which you may qualify.

Additional room where renter requires overnight care
12.—(1) A renter who is a single person is entitled to one additional bedroom if the renter requires overnight care.

(2) Joint renters are entitled to one additional bedroom if one or both of them requires overnight care.

(3) A renter requires overnight care if the first and second conditions are met.

(4) The first condition is that the renter is in receipt of—

(a)the care component of disability living allowance at the middle or highest rate;

(b)attendance allowance; or

(c)the daily living component of personal independence payment.

(5) The second condition is that—

(a)one or more persons who do not live in the renter’s accommodation are engaged to provide overnight care for the renter and to stay overnight at the accommodation on a regular basis; and

(b)overnight care is provided under arrangements entered into for that purpose.

David
  • B&W Forum
13 May 2025 13:28

Renting a flat to our son - UC credit paying rent?

Category: ESA, PIP, UC and DLA Queries and Results

The short answer is "Yes" - yes your son can rent a flat from you and have his rent paid by the housing element of UC.

It is a common misconception that this is not possible, and you/he may initially be told "No". One person I know had to bring a court case to challenge the refusal - they won, because families cannot be expected to (and often cannot afford) to provide free accommodation to their relatives for life, no matter how much they love and care for them.

What you will need to ensure - so your son can get his rent paid by the housing element of UC - is that you have proper proof that it is a legitimate rental arrangement. If you are initially turned down, challenge it.

1. Formal tenancy agreement:

You will both need to sign a formal agreement outlining the terms of the tenancy - such as rent, duration, and responsibilities. The agreement must be legally enforceable in order to show that your son is legally liable to pay rent.

2. Commercial arrangement:

Your son will need to show to the DWP that the arrangement is not contrived solely for his family to gain access to benefits. This means you should act as a genuine landlord, taking on the usual responsibilities, such as maintenance and repairs, as set out in the tenancy agreement.

3. Regular rent payments:

Your son must make regular rent payments, as they would with any landlord - and you must be prepared to say to the DWP that you would evict him for non-payment.

4. Separate residences:

The tenancy must be for a separate property or a self-contained part of your home - one that could be rented out to strangers.

5. Proof of tenancy:

Your son will be asked to provide evidence to the DWP demonstrating the commercial nature of the tenancy, such as a copy of the tenancy agreement and rent receipts (eg entries on his bank statement).

6. Compliance with regulations:

As a landlord, you must comply with all relevant regulations, such as those related to safety (gas safety certificate, energy performance certificate).

Further sources of info:

* england.shelter.org.uk/housing_advice/be...you_rent_from_family
* commonslibrary.parliament.uk/benefit-sup...ting-from-relatives/
* www.haart.co.uk/landlords/landlord-advic...y-to-family-members/

Good luck!
  • Source44
08 May 2025 12:58
Replied by Source44 on topic Writing to my MP - LIZ KENDALL

Writing to my MP - LIZ KENDALL

Category: ESA, PIP, UC and DLA Queries and Results

MY FURTHER REPLY AWAITING RESPONSE



Dear Liz Kendall MP,

Thank you for responding to my previous 20-page letter regarding Labour’s Pathways to Work Green Paper. I recognise the time pressures that come with your role and appreciate that you took time to respond. However, I must express that your reply failed to meaningfully address the most pressing concerns, facts, and questions raised in my letter.

What you provided was a reiteration of government talking points - vague assurances, selective policy highlights, and political framing. What it did not include were any direct answers to the five specific questions I clearly laid out at the end of my long letter to you. Those questions were based on evidence, lived experience, and public accountability.

This email serves as a formal follow-up, and I respectfully ask that you or your office respond to each point in full.

1. Economic Priorities: Why Target Disabled People Over the Wealthiest?

Your letter offered no response to my question about alternative funding sources. Instead, you endorsed cost-cutting welfare reforms without acknowledging the broader fiscal context. I find this deeply troubling as will millions of others in our country.

The facts:

£90 billion is lost annually in tax avoidance (Tax Justice UK, 2023)

A 1% wealth tax on those with assets over £10 million could raise £50 billion per year (Wealth Tax Commission, LSE, 2024)

Closing tax loopholes and ending non-dom status could raise a further £14 billion annually (IPPR, 2023)

Meanwhile, the proposed disability reforms aim to save £3-5 billion over five years (OBR estimate)

These reforms are not fiscally necessary. They are a political choice - one that asks disabled people, carers, and those on low incomes to pay a price that billionaires, multinationals, and landlords are not asked to contribute.

You say Labour is “the party of the welfare state.” How does targeting the sick, while protecting extreme wealth, reflect that legacy?



2. Employer Accountability: Why Is There No Legal Enforcement for Disability Discrimination?

Your response failed to mention one of the central themes in my letter: that disabled people are routinely excluded from meaningful employment, not because of incapacity, but because of unchecked discrimination and non-compliance with existing laws.

70% of disabled employees report not receiving necessary adjustments when requested (TUC, 2023)

1 in 3 disabled workers have experienced harassment or bullying at work (EHRC, 2023)

52% of disabled people are in work, compared to 82% of non-disabled people (ONS, 2024)

My own experience includes being dismissed during training, forced out of jobs after requesting adjustments, and being silenced by NDAs after employer failures. This isn’t a rare story - it’s the norm.



Where is Labour’s policy to:

Introduce legal penalties for employers who fail to comply with the Equality Act 2010?

Reform Access to Work to reduce waiting times (currently up to 13 months - NAO, 2023)?

Require employers to publish disability pay gaps or inclusion metrics?

Expand legal aid for disabled workers pursuing discrimination claims?

Labour cannot talk about “getting disabled people into work” without enforcing employer accountability. Otherwise, these reforms simply funnel people into exploitative, short-term, or hostile workplaces — with no recourse.



3. Assessment Reform: Why Expand PIP When It Is Statistically Broken?

You referenced Labour’s plan to scrap the WCA and move to a PIP-based eligibility model. However, you failed to acknowledge the severe flaws in the PIP system that would be inherited under this plan.

54% of PIP appeals succeed — the most common reason being assessors ignored medical evidence (Ministry of Justice, 2024)

Face-to-face assessments have the lowest success rates: 44% in 2024 compared to 57% for telephone/video assessments (DWP, 2024)

Informal observations (e.g. how someone walks into the room) continue to trump clinical reports — an issue tribunal judges frequently criticise



Labour plans to increase face-to-face assessments in 2025, despite knowing they are the least accurate and most traumatic format for many claimants. You also failed to respond to my point about PIP changes being implemented without full consultation - particularly the proposed 4-point minimum for daily living eligibility, which was not part of the consultation questions.

This is not reform. It is cost-cutting by stealth.

How will you:

Guarantee medical evidence is prioritised?

Prevent face-to-face formats from being used punitively?

Ensure people with fluctuating, hidden, or neurodevelopmental conditions are not systematically excluded?



4. Real-Term Cuts Disguised as “Rebalancing”

Your response celebrated the upcoming £775 per year increase to the standard Universal Credit allowance by 2029/30. But let’s break this down in real terms:

£775 per year is £14.90 per week

Spread over five years, this means less than £3 per week extra, per year

Meanwhile, the LCWRA component - worth £390.06 per month or £90 per week - will be frozen, losing value each year due to inflation

This is not a net benefit for disabled people - it is a redistribution from needs-based support to generalised allowances. And from 2026, new claimants will receive reduced health top-ups, effectively penalising those who become disabled in the future.

Will Labour:

Reverse or pause this freeze until benefits rise in line with inflation?

Commit to inflation-linking the LCWRA element, as well as PIP and other health-related support?



5. NHS Crisis and Mental Health Delays: Ignored Barriers to Work

You acknowledged NHS underfunding but did not respond to my question: how can people engage with work-focused benefits when they are still waiting for treatment or diagnosis?

An estimated 7.6 million people are on NHS waiting lists (NHS England, 2024)

2 in 5 disability benefit recipients are currently waiting for medical treatment (DWP, 2025)

Waiting lists for therapy and surgery exceed 12–24 months in many areas (Mind, 2024). Private treatments a therapies costs from £80 into thousands per hour, leaving many like me with no option but to wait years for NHS treatment.

Conditions like endometriosis, menopause, Crohn’s, fibromyalgia and ADHD routinely go undiagnosed or misdiagnosed for years. The NHS often also has no cure, or way to manage these condition's, leaving people with no hope or positive outlook for their future.

People are being failed by a healthcare system that is already at breaking point. Until treatment is accessible, benefit reform that assumes work-readiness is premature, unrealistic, and dangerous.



How will Labour:

Delay benefit conditionality reforms until NHS access is improved?

Integrate NHS evidence directly into DWP systems to avoid repetitive assessments and delays?

Provide automatic benefit extensions for those awaiting treatment or diagnosis?



6. Unemployment Insurance: Why Create a Two-Tier Safety Net?

You referenced a new unemployment insurance model being considered by Labour. This raises several red flags. We already pay National Insurance and income tax to fund a public safety net - Universal Credit exists to serve that purpose.

Creating a elparallel, contributory insurance scheme risks mimicking US-style, income-based systems, where people must “buy in” to deserve support

This would disproportionately exclude carers, disabled people, gig economy workers, and others with unstable employment patterns



Key questions that remain unanswered:

Will this scheme be optional or mandatory?

Will those who cannot contribute due to illness or care duties be penalised or excluded?

Will this model lead to a lower base rate of UC for others in future - creating a two-tier welfare system?



Why is Labour proposing a system that shifts responsibility from the state to the individual - and implicitly blames those unable to work for their own poverty?



7. The Measures You Highlighted Raise More Concerns Than Confidence

Each of the “protective” measures referenced in your response - including the “Right to Try” policy, the new UC premium for those who will “never work,” and cash protections for existing claimants - sound superficially reassuring but lack any real substance, clarity, and/or safeguards.

The “Right to Try”

What legal protections will exist to guarantee automatic reinstatement of previous awards if the person’s health deteriorates or the job fails?

Will people have to go through reassessment again, or will their prior status be preserved?

How long is the “right to try” window - is it 1 month, 6 months, or more?

What support will exist if someone is dismissed due to disability-related performance issues?

Without detailed guarantees, this policy risks becoming a backdoor reassessment regime, punishing those who take a risk on work.



The New UC Premium for People Who Will “Never Work”

Who defines “never able to work”? Will this be based on PIP, which is already deeply flawed?

How will Labour protect those with fluctuating, degenerative, or invisible conditions from being excluded?

What reassessment protections exist for people wrongly excluded from this new category?

Will people be able to appeal or requalify - and what evidence will be accepted?

Categorising people into “always able” vs “never able” to work is reductive and risks harming those who don’t fit neatly into either label.



Cash Protections for Existing Claimants

If the health top-up is frozen while prices rise, this is a real-terms cut.

Why isn’t it being indexed, like the UC standard allowance?

What poverty monitoring will be in place to review this decision - and will Labour reverse course if financial hardship increases?



Final Request for Direct Clarification

I am again requesting full and direct written responses to the points raised above, and clarify with the following questions:

Will Labour commit to taxing the ultra-wealthy and closing loopholes before targeting disabled people for cost savings?

Will Labour introduce legal accountability for employers who fail to accommodate disabled workers, including penalties for Equality Act breaches?

Will Labour halt or revise plans to shift from WCA to PIP-based assessments, given the proven failures of both models?

Will Labour ensure that all disability-related benefits { including LCWRA } rise with inflation, and are protected from stealth cuts via freezes?

Will Labour pause all work-focused conditionality reforms until NHS waiting times and access to diagnosis and treatment are significantly improved?

Will the proposed unemployment insurance scheme be optional, universal, and inclusive of carers, disabled people, and insecure workers ~ or will it introduce a two-tier system that increases inequality?

What legal safeguards, appeal mechanisms, and reassessment protections will be built into the “Right to Try” and “Never Able to Work” categories, to ensure these systems are protective and empowering ~ not punitive or exclusionary?

These questions go beyond party politics, they are about policy integrity, human dignity, and the survival of people like me. We need and deserve definitive answers, not more vague reassurances.

This is your policy. This is your leadership. This is your time to be “The Change.”

I would appreciate a full written response within 28 working days.



Yours faithfully,
  • David
24 Apr 2025 17:47
Replied by David on topic Compliance Interview etc

Compliance Interview etc

Category: ESA, PIP, UC and DLA Queries and Results

Hi Greeny1210

You definitely don't need a solicitor for capital under £16000 in your situation.

David
  • Greeny1210
24 Apr 2025 17:39
Replied by Greeny1210 on topic Compliance Interview etc

Compliance Interview etc

Category: ESA, PIP, UC and DLA Queries and Results

Hi David

Thanks for your reply, yeah, I figured as much, bit worried I got close when my old man helped out (which has ended up being the opposite)
I was trying to be sensible with money for the first time in my life as I woke up paralysed with £10 to my name and swore I'd never let myself end up like that again, but when you never leave the house and feel too knackered to get the stuff you should get/need to get it is easy to lose track, stuff like new sofas, fridges, wardrobes would have dented it but I just don;t have the energy anymore?

shouldn't need some specialised advice, then you don't think?
I will add a note explaining the above but not sure they will care given my experience.

cheers pal
G
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