applying for financial products: how do i describe myself?

pedlar

mealone wrote: »

Your situation is not stable, no disabled persons situation is now stable because you/me/them are currently all getting reassessed for ESA (where many will lose their benefits after 12 months under the changes currently being approved by parlement) and the change to PIP is at present very very unclear who the winners and losers may be.

Retired is just that, retired from work and not unable to work unless you are officially retired like me (I got a pension for disability at 25) you really need to tick other and explain your situation unless there is a suitable box to tick, if their is no other box tell who ever you are applying to that their is no suitable box for you and explain it to them so they can decide where they think you fit.


Your right to be cautious about giving misleading information that can be used against you but your certainly not alone in being in the situation you are in so they must be used to dealing with people unabled to work due to disability and by raising the point that no box fits you they might eventually change the forms to include us as a group as a whole.

i am unaware of the changes to be put in place re benefits...if anybody has a link to info i would appreciate it...

can you explain about your pension for disability...how does it differ from DLA? my psychaitrist/gp does not sign me off, i am signed off for good...wondering what the difference is...

mealone

pedlar wrote: »

i am unaware of the changes to be put in place re benefits...if anybody has a link to info i would appreciate it...

can you explain about your pension for disability...how does it differ from DLA? my psychaitrist/gp does not sign me off, i am signed off for good...wondering what the difference is...

The changes are the hot topic on here (and every disabilty forum on the web, have a look at any for your particular illness and they are alive with it) and the benefit board, just click on one of the many of the threads, you are going to get a letter any day soon til 2013 to tell you about the transfer, then a phone call and then you will then get a questionare through the post and most people need a face to face medical after that unless you can provide enough proof of condition to go along with the questionare.

Many fail the medical, even those on long term sickness benefits and then you have to appeal so you really need to start collecting proof of your illness now incase you get your letter tomorrow, ask everyone you see about your illness to verify your condition and read up on the criteria for ESA to help you prepare for the change over.

Believe me you need this time and this warning if you knew nothing of the change over so its a good job you posted this thread as being prepared is a big help when your turn comes and some on IS for reason of incapsity have already been through the change over and more are getting the letters every day.

PIP which is going to replace DLA in 2013 is diffrent in that we dont know the criteria yet but some daft ones are cerculating, again read any forum for your disability and many people are very worried about the changes and the same is true no matter what the changes are:- start to gather information now to support your claim to PIP (personel independance payment)

I paid into a private pension from age 18, I was disabled at 23 and my private pension pay me as though I was 60 which were standard conditions of many private pensions, you get incapacity and DLA on top and that will be preserved under the terms of transfer to ESA unless I fail the initial WCA (work caperbility assessment which is anything but)

HTH

Richie-from-the-Boro

pedlar wrote: »

i detect a little bit of prejudice, if you don't mind me saying...

you are making a mountain out of a molehill...i was merely asking advice...your moralistic tone is ever so slightly offensive, presumptuous and pompous...

but i grant that if you wish to sound superior, then that is perfectly within your right:D

Prejudice .. .. what prejudice ? my reply in #2 was to your question, which I read as having three parts :

- legal
- moral
- income risk

My reply was to outline where you would stand legally if you were found to have lied in order to gain an advantage that the truth by your own admission had denied you. The fact that your intention was to steal the money [ that's what the law says, see :: below ] is immoral and I told you that also. I went on to tell you that there is a real risk looming in your near future that you will be re-assessed and that your income might change for the worse, at which point [ I sincerely hope it does not happen to you ] you would not be able to repay these loans and the truth behind your lies would come out !

As for you accusation of prejudice, it never occurred to me when I posted my answer in#2, in fact I had to re-read your original question to see where you were getting the idea from, but I do understand that accusing well intended people of having a bias against mental illness is a widely employed diversion practice by those who have a mental illness. Its the same a white person caught speeding is caught and a coloured person accuses the bobby of prejudice against those of coloured skin.

My reply to you was nothing to do with your specific type of illness / disability, I wish you well pedlar

:: Obtaining pecuniary advantage by deception- person who by any deception dishonestly obtains for himself or another any pecuniary advantage shall on conviction on indictment be liable to imprisonment for a term not exceeding five years.

Richie-from-the-Boro

pedlar wrote: »

i am unaware of the changes to be put in place re benefits...if anybody has a link to info i would appreciate it...

can you explain about your pension for disability...how does it differ from DLA? my psychaitrist/gp does not sign me off, i am signed off for good...wondering what the difference is...

- no one in this UK world is / was / signed off for good - look up the word on your sick note - it says indefinite my friend, it means "not definite; without fixed or specified limit" !

Brassedoff

Pedlar,

In a former life, had you completed the "omission", I would have nicked you and had you charged under the 2006 revision of the fraud act. I would have got you charged and prosecuted under section 16 or maybe 15(a) of the said act had.

Sorry, tell the truth, how on earth could you ever hope to repay any loan or service if on benefits?

Live within your means, whatever they be.

pedlar

mealone wrote: »

The changes are the hot topic on here (and every disabilty forum on the web, have a look at any for your particular illness and they are alive with it) and the benefit board, just click on one of the many of the threads, you are going to get a letter any day soon til 2013 to tell you about the transfer, then a phone call and then you will then get a questionare through the post and most people need a face to face medical after that unless you can provide enough proof of condition to go along with the questionare.

Many fail the medical, even those on long term sickness benefits and then you have to appeal so you really need to start collecting proof of your illness now incase you get your letter tomorrow, ask everyone you see about your illness to verify your condition and read up on the criteria for ESA to help you prepare for the change over.

Believe me you need this time and this warning if you knew nothing of the change over so its a good job you posted this thread as being prepared is a big help when your turn comes and some on IS for reason of incapsity have already been through the change over and more are getting the letters every day.

PIP which is going to replace DLA in 2013 is diffrent in that we dont know the criteria yet but some daft ones are cerculating, again read any forum for your disability and many people are very worried about the changes and the same is true no matter what the changes are:- start to gather information now to support your claim to PIP (personel independance payment)

I paid into a private pension from age 18, I was disabled at 23 and my private pension pay me as though I was 60 which were standard conditions of many private pensions, you get incapacity and DLA on top and that will be preserved under the terms of transfer to ESA unless I fail the initial WCA (work caperbility assessment which is anything but)

HTH

thanks for the info...hope u pass your tests! i didn't know anything about this...

have been through the system since taken ill..psychiatrists, pills, social workers, CPNs, counsellors, therapists, day centres etc...in other words hopefully that will "stand for something"

but will look into it, sounds like a real upheaval...

pedlar

Richie-from-the-Boro wrote: »

- no one in this UK world is / was / signed off for good - look up the word on your sick note - it says indefinite my friend, it means "not definite; without fixed or specified limit" !

i don't have the sick note! my GP did it 20 years ago...i don't know what he did with it!

i don't think i was really saying "forever"....i think i was trying to convey that my situation was settled, unlike someone who is officially "unemployed" and therefore has a less settled level of income...

pedlar

Brassedoff wrote: »

Pedlar,

In a former life, had you completed the "omission", I would have nicked you and had you charged under the 2006 revision of the fraud act. I would have got you charged and prosecuted under section 16 or maybe 15(a) of the said act had.

Sorry, tell the truth, how on earth could you ever hope to repay any loan or service if on benefits?

Live within your means, whatever they be.

no thanks, no quotes if you don't mind! no offence...

i do understand what you say about the legalities, that's really why i was asking, i wanted info...although completing an omission sounds
vaguely like an oxymoron...:cool:...without the use of foresight....:)

as regards paying my way whilst on benefits...you don't know what my income is....i could be getting high rates of DLA for example...i might add here i have taken out loans and cards before and never had problems with dealing with either...have to say your assumption i wouldn't cope financially because of my income situation sounds like a bit more of the prejudice given above...

oh well...i am starting to think i was only really looking for information...that i was never going to apply it to myself anyway! as in the more you know the better...

pedlar

Richie-from-the-Boro wrote: »

Prejudice .. .. what prejudice ? my reply in #2 was to your question, which I read as having three parts :

- legal
- moral
- income risk

My reply was to outline where you would stand legally if you were found to have lied in order to gain an advantage that the truth by your own admission had denied you. The fact that your intention was to steal the money [ that's what the law says, see :: below ] is immoral and I told you that also. I went on to tell you that there is a real risk looming in your near future that you will be re-assessed and that your income might change for the worse, at which point [ I sincerely hope it does not happen to you ] you would not be able to repay these loans and the truth behind your lies would come out !

As for you accusation of prejudice, it never occurred to me when I posted my answer in#2, in fact I had to re-read your original question to see where you were getting the idea from, but I do understand that accusing well intended people of having a bias against mental illness is a widely employed diversion practice by those who have a mental illness. Its the same a white person caught speeding is caught and a coloured person accuses the bobby of prejudice against those of coloured skin.

My reply to you was nothing to do with your specific type of illness / disability, I wish you well pedlar

:: Obtaining pecuniary advantage by deception- person who by any deception dishonestly obtains for himself or another any pecuniary advantage shall on conviction on indictment be liable to imprisonment for a term not exceeding five years.

well you toned down your language, and you wished me well, so thanks! i was only asking, because i wanted some opinions...i never said i would do it, which i think you were implying was more or less the case... as in the court case etc...

i do appreciate that i need to look into benefit changes and PIP so thank you too for that...

at the end of the day i would have gone ahead and applied as whatever i liked without asking here if i was really that oblivious to opinion or legality...

as regards the prejudice, i'm afraid i think you have compounded your initial outlay by what you have just said...and then compared it to the stereotypical issue of black people caught speeding, whilst using the term "coloured" which is 30 years out of date and now offensive, to some...

Brassedoff

You were trying to be clever, you thought you could commit fraud, you asked advice prior to committing the act from people on the boards. Those people, including myself, have more knowledge about whether you by changing something on an application would constitute committing an act.

If you are willing to commit fraud for the purpose of gaining an advantage from a financial institution, where will you stop? ESA, DLA, Blue Badge. To even ask suggests a certain lack of morals IMHO.