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I spoke to the CAB on her behalf today. Before she can appeal the IB decision, she has to write to them saying why she thinks their decision is wrong. I've done the letter for her today. If they refuse it again, then she goes to the appeal process.
She was refused DLA and didn't tell me about it until it was too late to appeal (1 month). I've phoned the benefits people and she is now going to reapply. I've also dragged her to the building society to explain why she can't pay her mortgage and they're giving her a payment break.
I'm going to her house tomorrow morning and we'll tackle the Child Tax credit issue then.
She feels slightly more hopeful (and less depressed) today, simply because I've taken action. i couldn't have done this without the help of all you lovely, kind people who took the trouble to answer and share your experiences.
Many, many thanks.
I'll keep you posted.