
Warning to anyone claiming key benefit as simple mistake could see your benefit STOPPED
HOUSEHOLDS claiming a key government benefit could risk payments being stopped over a simple mistake.
Attendance Allowance is paid to state pensioners suffering from a long-term physical or mental condition or disability.
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It is paid at two different weekly rates depending on your level of need - £73.90 and £110.40.
However, if your personal circumstances change you must tell the Department for Work and Pensions (DWP) as it means your entitlement to the benefit could go up or down.
If you don't report any change, you could have your payments stopped, have to pay a penalty or even be taken to court.
The types of changes you have to report include if you plan to leave the UK for longer than four weeks or you go to prison.
You also have to report if you change your name, address or bank details and if your immigration status changes.
You need to contact the Attendance Allowance helpline straight away if:
the level of help you need or your condition changes - you'll need to provide details like if the amount of times you need help each day has changed
you go into hospital or a care home - you'll need to provide the address, the dates you've been there for, and how your stay is paid for
a medical professional has said you might have 12 more or less to live (you could get Attendance Allowance at a higher rate under "special rules for end of life")
you plan to leave the country for more than 4 weeks
you go into prison
you change your name, address or bank details
you want to stop receiving your benefit
your doctor's details change
You can contact the AA helpline on 0800 731 0122 Monday to Friday 8am to 6pm.
What happens if you don't report a change in circumstances
If you've not reported a change in circumstances and have been overpaid, you'll have to pay it back.
You should get a letter from DWP Debt Management explaining how to repay and manage any benefit money you owe.
Three key benefits that YOU could be missing out on, and one even gives you a free TV Licence
You can pay back the overpayment in full or set up regular monthly payments.
If you need help managing repayments, you can contact the DWP Debt Management contact centre on 0800 916 0647.
If you are found to have been overpaid due to your own negligence or error you may also have to pay a £50 penalty.
If you're suspected to have committed benefit fraud, you'll be contacted by the DWP, HMRC, the Defence Business Services or your local authority.
If you are found to have committed benefit fraud, one or more of the following may happen:
you'll be told to pay back the overpaid money
you may be taken to court or asked to pay a penalty (between £350 and £5,000)
your benefits may be reduced or stopped
More information on this can be found via www.gov.uk/benefit-fraud.
How do you report a change in circumstances for other benefits?
The rules around reporting a change in circumstances vary depending on the benefit.
Who you need to contact about reporting a change in circumstances varies based on the benefit as well.
Here is how to report a change for the main benefits:
Universal Credit - Report changes using your Universal Credit online account if you have one or contact the Universal Credit helpline on 0800 328 5644.
Pension Credit - Call the Pension Service helpline on 0800 731 0469 or report changes by post. The address is on the letters you get about your Pension Credit.
Disability benefits - Call the Disability Service Centre to report changes if you get Disability Living Allowance (DLA) or PIP. The number to call is 0800 121 4433.
Carer's Allowance - Report a change online or call the Carer's Allowance Unit on 0800 731 0297.
Housing Benefit - Tell your local council about changes if you get Housing Benefit. You can find what local council area you fall under via www.gov.uk/find-local-council.
Child Benefit - Report changes using the Child Benefit online service or call on 0300 200 3100.
All other benefits - Call Jobcentre Plus to report changes. You need to have your National Insurance number when you call. You can find your nearest centre via find-your-nearest-jobcentre.dwp.gov.uk.
Are you missing out on benefits?
YOU can use a benefits calculator to help check that you are not missing out on money you are entitled to
Charity Turn2Us' benefits calculator works out what you could get.
Entitledto's free calculator determines whether you qualify for various benefits, tax credit and Universal Credit.
MoneySavingExpert.com and charity StepChange both have benefits tools powered by Entitledto's data.
You can use Policy in Practice's calculator to determine which benefits you could receive and how much cash you'll have left over each month after paying for housing costs.
Your exact entitlement will only be clear when you make a claim, but calculators can indicate what you might be eligible for.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
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35 minutes ago
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‘A fire ruined our home and LV left us in limbo for over a year'
Sixteen months have passed since Kaja and Dean Cordwell were forced to leave their home after their washing machine burst into flames, destroying their kitchen and leaving their eldest child's training cups covered in ink-black soot. A then-pregnant Kaja, 31, envisaged they would be back home before the birth of their second child – after all, they had building and contents cover with Liverpool Victoria (LV). But more than a year later, their newborn has yet to see the family home. The couple is still living in a rented flat, their belongings are still in a storage facility and their home is still scarred by smoke and water damage. Now, LV is allegedly threatening to stop paying their rent. The insurer claims the couple has reached the limits of its cover for temporary accommodation, while a loss surveyor representing Kaja and Dean argues that LV only has itself to blame for delays. For the Cordwells, a seemingly simple insurance scheme has unravelled into a long nightmare. 'I was due to give birth and LV tried to put us in a room above a pub' It all started with a washing machine, bought in 2021 when Kaja and Dean together with their first child moved from Bristol to Chepstow, Wales. Twice in the run-up to Christmas 2023, the machine 'started making weird noises', Kaja recalls. An engineer was dispatched both times and the machine was repaired. But the third time the machine malfunctioned, in January 2024, it tripped the fuse and caught fire. 'The fire was not severe,' Kaja says. 'Obviously we called the fire brigade straight away.' Firefighters stormed through the property, forcing open doors to let the smoke out. 'The damage to the house was mainly from the fire brigade,' admits Kaja. 'Water was everywhere, and the smoke travelled upstairs, staining the ceilings.' 'We kind of walked out in our socks, with the baby and the dog,' says Kaja. Much of the couple's belongings, including their toddler's training cups, were blackened with soot. Kaja and Dean contacted their insurer, LV, and spent two nights with a neighbour while they waited for a loss adjuster. Two days later, a representative from Woodgate & Clark appeared, cheerily informing them that the repairs would take around three months. For Kaja, who was heavily pregnant, the sense of relief faded once LV started suggesting temporary accommodation options. 'I was due to give birth in two weeks, and they were suggesting a room above a service station, or a pub,' she recalls. The couple's insurance policy covered them for up to £50,000 in accommodation costs, so Kaja and Dean decided to spend a week in an Airbnb and invoice LV for the cost instead. During that week, Kaja found a family home for rent in Caldicot via Facebook Marketplace. 'We had Woodgate & Clark's blessing, and I guess it saved them a job,' she says. 'We were still working under the assumption this would only be for three months.' Two weeks after the fire, Kaja gave birth. There were complications with her daughter, who was born with a genetic condition called facial asymmetry, which saw Kaja 'in and out of the hospital for two months'. At the time, the Cordwells still had faith in their insurers to restore their house, but something was off. It took six weeks for a cleaning crew to attend the property, by which time the water damage left by the fire brigade had worsened. 'Our neighbours did as much as they could to mop it up, but there's only so much you can do,' Kaja says. The Cordwells' possessions were removed and put into storage, and to this day, the family has had no access to them. They had to re-buy many essentials as weeks stretched into months. 'We kind of live in this crazy nowhere land, like when you're camping, you think you're going to make do,' Kaja says. 'Because there's no point in investing in new cutlery if you're going to be home any day now.' A breakdown in relations Two months after the fire, contractors visited the home to talk to the family about the repairs, but LV's approach had already begun to unravel. 'The cleaning company hadn't done a cleaning certificate to confirm the property was dry and able to be worked on,' says Dean. 'It took them until August to get this moisture reading.' Meanwhile, Dean, who runs his own consultancy company, was scouting suppliers suggested by LV to choose a new kitchen. But the builders soon walked out after a breakdown in relations. A spokesman for LV admitted that the delays were due 'to a variety of factors', but primarily blamed the couple's dispute with contractors on their desire for additional works, which included remodelling a bathroom, installing fitted wardrobes, attic hatch alterations and bespoke bunk beds. Kaja and Dean maintain that the quality and extent of the work were simply inadequate, and in September, they appointed an independent loss assessor from Morgan Clark. 'It is accurate that the client had mentioned to them a wish to make the best of a bad situation by incorporating some fairly minor changes within the like-for-like reinstatement works that the insurer was due to fund,' says Matt Rawliingson, of the firm. 'But I can assure you that these types of changes – things like re-working the layout of the kitchen units, for example – are things that routinely happen on insurance claims as most people will want to make improvements as the works progress.' The couple's already-strained relationship with LV and Woodgate & Clark deteriorated further after Rawliingson entered the frame. Kaja and Dean claim representatives from either company were hard to contact, and describe five-person email chains between contractors, claims managers and loss adjusters. LV denies they were incommunicative, however, the couple claim that in 16 months there was just one meeting over Teams. 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'It's an interesting tactic, but where it sits in terms of Consumer Duty, promoting good customer outcomes and avoiding sludge practices, is hard to see.' After more than a year at loggerheads with claims managers, loss adjusters and contractors, Kaja and Dean are exhausted. The ordeal has strained their marriage. 'We are battered and bruised here,' says Kaja. 'We will probably have to go through therapy to find ourselves again.' A spokesman for Allianz, LV's parent company, said: 'We understand the distress a family experiences when their home is damaged by fire, and we do all we can to settle claims and repair damage as quickly as possible. ' Home insurance policies are typically designed to repair damage on a like-for-like basis, so any private work or enhancements to what was previously there can sometimes lead to delays in repair work being completed. 'We have conducted a thorough investigation of this case and are satisfied that the delays were caused by disputes with contractors over additional work that was outside the scope of this claim. In addition, the introduction of a loss assessing firm that engaged their own contractors to quote for the reinstatement works resulted in further delays. 'A payment was issued for the settlement on the buildings reinstatement due to the policyholder not accepting our offer to use LV= General Insurance contractors to reinstate the property.'


Telegraph
41 minutes ago
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‘I accidentally printed thousands of photos of my colleagues': The most embarrassing office stories
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I would often entertain my housemates with stories about some of the eccentric people that worked in my office, and they begged me to show them what they looked like. This was before the days when everyone had a social media profile to stalk, so one day I logged on to the company intranet, and tried to print a couple of headshots of my colleagues. But I must have pressed the wrong button because I ended up printing out the pictures of everyone in the entire company. Thousands of people's faces were flying out of the printer in the middle of the office, with no way of stopping it. I was madly panicking, trying to get rid of them all, but the printing job was linked to my email. My boss came over to my desk and said 'Why are you printing out everyone's photos?' I couldn't think of a single reason why someone would do this, so I very meekly said 'To show my friends?' 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The Sun
an hour ago
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GHD Helios Hair Dryer review: Dried my hair in record time
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Combined with my trusty GHD Natural Bristle Radial Brush Size 1, a must-use for anyone with long, fine hair looking to create volume like me, it's a guaranteed start to a Good Hair Day. For more tried-and-tested options from the same brand, read Sun Shopping's best GHD hair straighteners article. Pros Super-fast drying speed Lightweight and ergonomic Smooth and shiny results Gives a good amount of volume when used with mousse Quieter than other hair dryers I've tried Cons Takes a while to cool down after use Expensive Overall rating: 9/10 How I tested the GHD Helios Having spent some time over the years putting the latest hair dryers on blast, I like to think of myself as a bit of an expert in the DIY blow-dry department - whether you're looking to keep things smooth or wanting to pump up the volume. For both results, I began with freshly washed hair and applied a heat protection spray to avoid damaging my hair before starting the blow-dry process. 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There's temperature and power control, with a cool-shot feature to help set styles in place. Plus, blow-dry at any time thanks to the low sound levels. What's included with the GHD Helios Hair Dryer? Each hair dryer comes with a bespoke contour nozzle for controlled, concentrated heat to help create your best blow-dry ever. Who's the GHD Helios Hair Dryer best for? Anyone looking to achieve a salon-style blowout from the comfort of your own home. What we loved: Temperature and power control makes it customisable to your hair's needs. Ergonomic, lightweight design means this hair dryer won't leave your arms aching. What we didn't: To be honest... not a lot. The price is a little eye-watering, but well worth the invest for anyone regularly doing DIY blow-dries as the performance speaks for itself. GHD Helios review: The Nitty Gritty First impressions GHD's packaging is one I will always love. The brand keeps things classy and simple at a time when every hairdryer seems to come with multiple heads and a short novel of a user manual. The hair dryer's core colours consist of black (which I went for) as well as white, plum, ink blue. The new mystic aqua is currently available on the GHD website, Sephora and John Lewis, as well as a limited-edition Icy Blue Gift Set on the brand site. Champagne gold and the pink edition are still listed with selected beauty retailers. All retail for £179 except Mystic Aqua And Pink (£189) and Champagne Gold (£199). Selected models are currently on sale for £139 on the GHD website, Boots, Amazon and John Lewis. Performance review From the first step, I knew I was dealing with elite drying technology. The GHD Helios was instantly a major upgrade on my previous hair dryer, with the GHD Natural Bristle Radial Brush Size 1 the perfect pairing for big volume and a smooth blowout. GHD Natural Bristle Radial Brush Size 1, £20.95 BUY FROM GHD Using my old hair dryer, it would take about 20 minutes to get it to 80% dry. Now, I was looking at less than 10 minutes to reach the same level. I've managed to cut my drying time in half, which is a huge perk if, like me, you favour a morning shower. At this point, it was time to incorporate the round brush, keeping the contoured nozzle close to the brush, I lifted and shaped my hair to add volume and movement. With my previous hairdryer, my arms would start to tire a few minutes in because it was so heavy, but with Helios, the lightweight design meant I could make it through the entire routine without feeling like I'd hit the gym. Usually, giving myself a blowout is a tedious labour of love, but the Helios helped me get a shinier, healthier-looking finish with lots of volume in a fraction of the time. Does it deliver? If anything, the Helios over-delivered on its promise to cut down drying time. I was expecting to shave off a couple of minutes, but the time difference has changed my getting-ready routine for the better (and given me some extra time in bed!). How much is GHD Helios Hair Dryer? Whilst it retails from £179, the dryer can currently be found on sale for £139 on the GHD website and selected retailers, including Amazon and John Lewis Where to buy: The benefit of GHD being such a huge brand is that you can shop at pretty much every beauty retailer you can think of, including: What is the difference between GHD Air and Helios? The GHD Air is slightly heavier and better suited for salon use, while the Helios is lighter, faster, and engineered for more controlled home hairstyling. The Helios also includes newer tech for smoother finishes. Dyson Supersonic vs GHD Helios? Whilst the Dyson wins on the attachment front, the Helios offers a more traditional feel and can often be quicker for a full blow-dry. If the Dyson Supersonic's £300 price tag is putting you off, the Helios is a great alternative. Is GHD Helios good for fine hair? Yes - being able to control the heat and power meant I could prevent frizz and control my fine hair without causing excessive damage to my hair.