Money
How to challenge a DWP benefit decision if you think it’s wrong
APPLYING for benefits in the UK can be a tricky process with lots of hoops to jump through and confusing rules.
And even then, you can end up with a decision that you don’t agree with.
This could be because your claim is denied, you don’t get the level you expected, or you’re missing certain elements you think you qualify for.
Fortunately, the system allows you to challenge decisions that the Department for Work and Pensions (DWP) has made, and there’s evidence it’s well worth doing.
For instance, figures released by His Majesty’s Courts and Tribunals Service on 14 March show that 70% of all Personal Independence Payments appeals are won.
That means people are getting much-needed cash that they would have been denied if they hadn’t challenged the government’s decisions.
If you want to challenge a DWP decision, you usually need to apply for a mandatory reconsideration. But first, you need to understand why the benefits office made the decision it did, and gather evidence to show why they’ve got it wrong.
Getting an explanation
If your claim is denied or lower than expected, the first step should be to make sure you understand why. Sometimes, you’ll be sent the reasons in writing, for instance if you are rejected for a Personal Independence Payment claim.
If you haven’t been told why, you can ask the DWP to explain. Sometimes this can happen over the phone, or you can get a written statement of reasons. If you want the information in writing, you can request this and it must be provided.
Either way, you should move fast. There’s a time limit when it comes to asking for a mandatory reconciliation, so if you leave it too long, you might not be able to appeal.
To get the extra info, contact the DWP, HMRC or your local authority, depending on which benefit you’re trying to appeal. You should have the details on your decision letter.
It’s also worth speaking to them and explaining why you think the decision is wrong, sometimes it can be changed without launching a formal appeal.
For instance, if the decision was based on incorrect or missing information, the benefits office may be able to send you a new decision letter or it can explain what you can do next.
If your first language isn’t English, you can get an interpreter.
Turn2Us says that if you do telephone the benefit office, you should make a note of the time and date that you call, who you speak with and exactly what is said. This can be useful if you decide to formally challenge the decision.
If you’re still not happy with the outcome, the next step is usually to start the mandatory reconsideration process.
How long do I have to appeal the decision
Generally, you need to apply for a mandatory reconsideration within one month of your decision letter.
However, Turn2Us says that if you ask for written reasons within one month of the date on the decision letter, the time limit will be extended. The new limit will be:
- One month and 14 days from the decision date (if the written reasons are provided within one month of the decision date); otherwise
- 14 days from the date the written reasons are provided.
However, the charity cautions that this only applies if the reasons were not provided in the decision letter you received. It says: “If you are in any doubt, stick to the usual time limits.”
You can usually get an extension if you have a good reason, for instance, if you’re in hospital or if a member of your immediate family dies.
How to ask for a mandatory reconsideration
If you want a mandatory consideration, you should write to the DWP or other relevant department.
You need to ask for the decision to be reviewed, and include any evidence you have as to why it was wrong in the first place.
You should go into detail, and provide copies of supporting documents where possible, for instance medical reports, doctor’s records, and financial statements.
If you are challenging decisions to do with benefits such as PIP and ESA medical evidence can be extremely valuable, particularly if it contradicts your medical assessment report produced by DWP.
Send the letter by recorded delivery, so you know it arrives safely, and keep a record for yourself.
If you’re challenging a decision around Universal Credit, you can do so through your online journal.
A different person will look at the decision, and decide whether it should be overturned or changed.
Sometimes, the DWP will ask for more information or extra pieces of evidence. If this happens, you should send things through as quickly as possible.
If your mandatory reconsideration is successful, you’ll be sent a new decision letter. If the decision doesn’t change, you’ll also be told by post.
You can choose to appeal if you’re still not happy with the outcome you get.
How to take an appeal further
The next steps depend on which benefit you’re applying for. However, in almost all cases you need to act within a month.
We have explained what to do for each benefit below.
Budgeting loans
If you want to challenge a decision around a budgeting loan, you need to ask the Independent Case Examiner’s office to do a review. The ICE is an independent organisation that’s completely separate from the Department for Work and Pensions (DWP).
Contact the ICE office in writing asking it to look at the decision again. You need to include your:
- Name
- Contact details
- National insurance number
- Details of the benefits you applied for
- The date of the decision
- Information about why you disagree with the decision and evidence to back this up.
The ICE will decide whether the decision should be changed.
Employment and Support Allowance
If you’re making an appeal regarding ESA, you might want to skip the mandatory reconsideration process.
Turn2Us says this applies if you already getting the payment, you’re appealing a decision that says you are fit for work, and the decision is not based on you having failed to return your ESA50 questionnaire or attend an assessment.
It must also be either:
- The first time you have been found fit for work at an assessment, or
- You have been found fit for work at a previous assessment but since then had an assessment where you were found to have limited capacity for work.
The reason for going straight to appeal is that you can keep getting your benefits during the appeal, but you can’t when going through a mandatory reconsideration process.
If you’ve been through the mandatory reconsideration and aren’t happy with the outcome, you can still choose to appeal either online or by post.
You can appeal a decision online through GOV.UK, if you are in England, Scotland or Wales or through The Appeals Service, if you are in Northern Ireland.
You can also write to HM Courts and Tribunals Service at the following addresses:
- England and Wales: HMCTS SSCS Appeals Centre, PO Box 12626, Harlow, CM20 9QF
- Scotland: HMCTS SSCS Appeals Centre, PO Box 13150, Harlow, CM20 9TT .
- Northern Ireland: The Appeals Service, PO Box 2202, Belfast, BT1 9YJ.
The First Tier Tribunal will decide if you are entitled to a benefit and can change a decision. However, it’s worth knowing that its decision could leave you worse off so it is often best to seek advice first.
Universal Credit
If you believe the DWP has calculated your Universal Credit using the wrong income, you need to raise a Real Time Earnings (RTI) dispute. You can do this by leaving a note in your journal.
If your claim has been closed and you want to make a challenge, you should call the DWP helpline 0800 328 5644. You can also use the Challenge a decision made by the Department for Work and Pensions form.
Further appeals follow the same process as for an Employment and Support Allowance claim.
Personal Independence Payment
If you’ve tried a mandatory reconsideration for your PIP claim and you still aren’t happy, the next step is to go to a tribunal. You normally need to do this within a month.
In England, Wales and Scotland, use the SSCS1 appeal form or the online form on the Gov.uk website. In Northern Ireland, use the NOA1(SS) appeal form.
You need to explain which decision you’re challenging, what you think the outcome should have been, and why you disagree with the DWP’s decision.
PIP is awarded based on points, so you need to include information about how many points you think you should have been scored for each activity and medical evidence where possible to back up your claims.
Turn2Us says you can also apply for judicial review if the way a decision was made was wrong or very unfair.
Council tax support
If you’re challenging a decision on council tax support you need to send a letter or email to your local authority instead of DWP. You should include your council tax reference number, why you think the decision is wrong and any documents that back up your argument.
The next step is to make an appeal. This could focus on whether you are entitled to a reduction in your council tax, or how much you have been awarded under the local Council Tax Support scheme.
You can get a copy of the appeal form or complete it online from:
Child benefit
If you’re challenging a child benefit decision, you need to speak to HMRC not DWP, but the mandatory reconsideration process is the same.
If you’re still not happy with decision, you might be able to go to tribunal, although not all decisions can be appealed.
For instance, you cannot appeal against a decision about who gets child benefit if you and the other parent could not agree and had equal priority.
If you are appealing, you need to write directly to the Tribunal Service.
In England, Wales and Scotland, you use the appeal form SCS5 on the Gov.UK website. There are also SSCS5 guidance notes to help you fill the form. You need to include the mandatory reconsideration notice that you received from HMRC.
In Northern Ireland, y use appeal form NOA1 (HMRC)
Housing Benefit
Like with council tax challenges, appeals around housing benefit need to go through your local authority first, not DWP. However, the mandatory reconsideration process is the same.
If you then go on to appeal the decision, it will be looked at by an independent tribunal, which is separate from your local authority or the Housing Executive. You can appeal without having to ask for a reconsideration first.
The First Tier Tribunal will decide if you are legally entitled to a benefit and can change a decision if they think it is wrong.
Money
M&S shoppers clear shelves of ‘divine’ sweet and salty snack back on shelves NOW after ‘waiting all year’
Sweet treat shoppers have been clearing M&S shelves of this sweet and salty snack that has recently made a return to stores.
Described as ‘divine’ and on offer for just £2.50, the indulgent snack has been made available just in time for the run-up to Christmas.
Available in-store and online when shopping from Ocado, M&S have offered customers the chance to try out their Milk Chocolate Cinnamon Sugar Tortilla Rolls.
Perfect for the festive season, the crunchy snack has been dipped in creamy milk chocolate and has been listed as suitable for vegetarians and as gluten free.
Social media users have been quick to react to a post from one bargain buyer who spotted the delight and shared on Facebook.
The photo has since gained over 5k reactions with a further 5k Facebook users flocking to the comments section.
One user said: “I’ve waited all year for these beauties!!!”
Another wrote: “Oh I love these, I’ve been looking for them.”
Someone else put: “They are delicious xxx”
A fourth commented: “omg! Remember how many times I’ve eating these… so lovely.”
Someone else said: “the way I would eat a whole bag!”
Those hoping to head in-store to make their purchase may want to phone up ahead to avoid disappointment due to stock levels.
Whilst those heading online should consider the added delivery fees.
One bag has been advertised as weighing 175 grams and offers around five servings – if you’re feeling generous.
Party planners and sweet snackers have been offered far more than just the cinnamon treat with M&S revealing their Christmas range.
An incredible list of 450 new items has been unveiled, showcasing the supermarket giant’s finest festive food.
Other indulgent offerings include hot honey over halloumi in blankets, brie brulée and Turkey feast dip.
Shoppers hoping to bring the festive spirit into their home could even purchase a battery-powered snow globe or wind up biscuit tin.
M&S CLUB REWARDS
ALL M&S credit card holders can sign up for the retailer’s Club Reward scheme.
It costs £10 a month and currently offers the following benefits:
- Extra reward points: Customers receive two extra rewards points per £1 spent in M&S when using their card online and in-store on top of the rewards points you earn already
- Free next day deliver: Shoppers get free next day delivery at no extra cost on full-price clothing, home and beauty purchases at M&S.com. This means you’ll save £5.99 per order.
- Hot drinks vouchers: Members get 32 hot drink vouchers a year to spend on any sized hot drink M&S cafes. This leads to savings worth up to £88 a year.
- M&S vouchers: Shoppers get £65 worth of free M&S vouchers each year. They get three £15 vouchers and one £20 voucher to spend in clothing or home departments, in-store or online.
- Birthday treat: On your birthday, customers get a free £12 M&S food voucher.
- Extra points abroad: Shoppers spending abroad can get three reward points for every £1 spent on purchases made in the local currency.
Money
Four handy gadgets that can be used for so much more than just hot drinks
HOT chocolate season has officially arrived.
If you managed to grab Aldi’s Ambiano hot chocolate maker (a budget-friendly dupe of the pricey Hotel Chocolat velvetiser) you are in for a treat.
But these handy gadgets can do so much more . . .
MILKSHAKE MASTERPIECE: Turn your hot choc maker into a milkshake machine.
Whip up your drink as you normally would. While it’s blending, fill a chilled glass with ice and pour in 100ml of cold milk.
Once the hot chocolate is ready, pour it over the cold milk and ice. Use a straw to stir the mixture, creating a thick, creamy milkshake.
READ MORE MONEY SAVING TIPS
To take it to the next level, add a scoop of ice cream and a drizzle of chocolate syrup.
MARTINI MAGIC: Elevate your cocktail game with a decadent chocolate espresso martini — perfect for dinner parties.
Begin by making hot chocolate in your frother, then pour 50ml of it into a cocktail shaker filled with ice.
Add a shot of espresso, a shot of vodka and, for an extra touch of indulgence, a nice dash of Irish cream liqueur.
Shake vigorously until well mixed, then strain the cocktail into a martini glass. Dust the top with a little cocoa powder for a professional finish.
DELICIOUS DESSERT: Satisfy your sweet tooth with a rich, velvety chocolate mousse. Warm 100ml of whole milk in the frother, then add two servings of hot chocolate.
Pour the mixture into a dish and pop it in the fridge for a few hours to set. Once chilled, you will have a luxurious, fluffy mousse to feast on.
COOL COFFEE: Why pay for expensive lattes when you can make your own? Just froth up some cold milk while brewing a shot of espresso.
Pour the espresso into a large glass filled with ice, then top it with your frothy milk. You could also add a few spoons of caramel or chocolate syrup and a sprinkle of cinnamon for a tasty autumn twist.
The result? A smooth creamy iced latte, made in the comfort of your home for a fraction of the price.
- All prices on page correct at time of going to press. Deals and offers subject to availability.
Deal of the day
AT home for half-term? Pick up this 1,000-piece Clementoni Harry Potter puzzle, RRP £15.99, currently £6.99 at Home Bargains.
SAVE: £9
Cheap treat
CREATE the perfect autumn display with a cute munchkin pumpkin, usually 79p, now 49p at Asda.
SAVE: 30p
What’s new?
DOWNLOAD the All Bar One app to claim a free glass of Moet & Chandon champagne during October. If you have already got the app, you can still take advantage – just check the offers section.
Top swap
WISH you could splash out on the Bottega Veneta Hop tote bag, £3,670 from bottegaveneta.com?
Head to Marks & Spencer for its braided tote bag, for a much more reasonable £45.
SAVE: £3,625
Little helper
FOR an affordable half-term activity, check out the Pumpkin Carving event at various Cherry Lane garden centres.
Kids will also enjoy a creepy cookie and a zombie dance-off. Tickets are £6.99 per child, and two adults can join in for free.
Shop & save
SERVE up tea on these blue beautiful plates from Dunelm. The Hampton 12-piece dinner set was £30, now £15.
SAVE: £15
Hot right now
SHOP online at jdwilliams.co.uk and save 25 per cent when you use the code SPARK at checkout.
PLAY NOW TO WIN £200
JOIN thousands of readers taking part in The Sun Raffle.
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Every Sun Savers code entered equals one Raffle ticket.
The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!
Money
Dunelm slashes price of cosy autumn home decorations to just £1 in huge 75% off clearance
BARGAIN buyers have been legging it to their local Dunelm branch to get their hands on these latest autumn home essentials – and you won’t believe the price.
With a huge clearance sale on offer, savvy shoppers could be in store for a treat before Christmas or could nab the items to gift to their friends.
Online shoppers have been offered an incredible deal with five separate items now available to be delivered straight to their door.
Dunelm shoppers heading to the site should be as quick as they can before the items get snapped up by others.
Perfect for self-indulgence or a stocking filler for family, the Apple & Cinnamon crackle candle has been put on offer for 50% off the original price.
Boasting “hints of vanilla” and “golden spices”, the “cinnamon-dusted muscovado sugar” scent offers to burn up to 30 hours.
Available for home delivery and in your nearest store depending on stock levels, the candle which crackles as it burns has been reduced to a remarkable £1.50.
For just 25 pence more, avid Autumnal fans could nab a set of six Wax Melts too.
Shaped like leaves, the “Autumn Walks” offer an experience “reminiscent of walking through the woodlands”.
Others hoping to get hold of novelty shaped items could choose to purchase the on-the-go Pumpkin Air Freshener.
Reduced from £2 to £1 the item offers drivers the chance to catch a whiff of Autumn by infusing their car with the “delightful scent of pumpkin”.
Nature lovers and fans of decorative flair in their home could add Cinnamon Sticks to their basket.
Priced at just £2, the beautiful bowl filler has been left unscented so could be ideal for crafts.
Those hoping to splash the cash could even be tempted by the Pumpkin Glass Tealight Holder which offers buyers the chance to nab the item in two colour ways for just £4 each.
Available in emerald and orange, the clearance value now means customers could buy two for the price of one.
That is not all on offer at Dunelm, with a further 75% clearance sale on other items.
Anyone considering heading to their local Dunelm branch may want to phone up ahead to avoid disappointment due to stock levels.
Social media users have taken to posting the incredible clearance sale online to ensure others do not miss out.
One person commented: “I’m well overdue a visit”.
Whilst someone else said: “50% off I think a visit is needed.”
Those hoping to get hold of the best offer on hand should consider shopping in-store due to potential delivery fees when ordering online to their door.
How to compare prices to get the best deal
JUST because something is on offer, or is part of a sale, it doesn’t mean it’s always a good deal.
There are plenty of comparison websites out there that’ll check prices for you – so don’t be left paying more than you have to.
Most of them work by comparing the prices across hundreds of retailers.
Here are some that we recommend:
- Google Shopping is a tool that lets users search for and compare prices for products across the web. Simply type in keywords, or a product number, to bring up search results.
- Price Spy logs the history of how much something costs from over 3,000 different retailers, including Argos, Amazon, eBay and the supermarkets. Once you select an individual product you can quickly compare which stores have the best price and which have it in stock.
- Idealo is another website that lets you compare prices between retailers. All shoppers need to do is search for the item they need and the website will rank them from the cheapest to the most expensive one.
- CamelCamelCamel only works on goods being sold on Amazon. To use it, type in the URL of the product you want to check the price of.
Money
‘Need to get them!’, movie lovers raving over new M&M’s chocolate popcorn snack on shelves of major supermarket
SWEET lovers are raving over new M&M’s chocolate popcorn snacks which are being sold at a major supermarket.
A picture of the Candy Pop Popcorn M&M Minis was posted in the Food Finds UK Facebook group, which has nearly 500,000 members.
One user, Danielle Boot, asked where they were from.
Another user, Claire Louise Davies, said: “Seen these in food warehouse yesterday.”
Danielle replied: “Thank you so much.”
Another group participant, Caroline Scrase, said she got the “Twix one” at B&M.
Social media user Kayla Hecquet said: “I need to get these!”
Becca Louise Fearn, who had tagged Kayla, replied: “Me too!”
Online convenience store HJodies lists the 5.25oz bags for £5.99.
The internet retailer describes the Candy Pop Popcorn M&M Minis as “the perfect snack for any occasion”.
The product description reads: “This delicious treat is made with fresh, fluffy popcorn with pieces of M&M’s.
“This creates a delightful combination of crunchy and chewy textures.
“Open a bag of Candy Pop Popcorn M&M Minis, and smell the aroma of fresh popcorn and sweet candy.
“The crunchy texture of the popcorn and the chewy texture of the M&Ms create a satisfying mouthfeel that will leave you craving more.
“The flavours of the candy glaze and the mini M&Ms perfectly complement the buttery taste of the popcorn.”
It comes after B&M shoppers went wild after spotting a rare Cadbury chocolate bar with a twist on shelves.
Fans were left devastated when the chocolate giant discontinued Dream bars 20 years ago.
But discount chain B&M started selling a new version of the treat, also made by Cadbury, the Sun reported earlier this week.
It combined both Dream and Marvellous Creations to create a raspberry-flavoured white chocolate bar.
Posting on the Newfoodsuk Facebook page, admins shared a whole selection of new chocolates found in the store.
They said: “Loads of new bars of chocolate spotted at B&M Stores.”
Money
New curry ‘hotter than the gates of hell’ made with world’s hottest pepper on shelves of major supermarket
A NEW curry that’s “hotter than the gates of hell” is now available at a major UK supermarket.
The Pepper X Chicken Tikka Masala at Iceland claims to be “made with the world’s hottest chilli pepper” and has an age restriction to buy.
The curry was crafted by Smokin’ Ed Currie, creator of the notorious Carolina Reaper.
In Facebook group Food Finds UK, one contributor shared a snap of the box – which features an X Factor-style logo.
They wrote: “Pepper X is almost twice as hot as the Carolina Reaper on the Scoville scale, coming in at almost 3m scovilles. The curry is a f**king demon.
“Oh, they also do a mac and cheese with pepper X too. £4 Iceland.”
Commenters were quick to share their experiences with the curry.
One said: “My partner had this earlier this week…. his exact words were ‘hotter than the gates of hell’ and he loves spicy food.”
Another asked: “Do you get your milk free with it?”
One person added: “I’ve had a Madras before but this? This would be going to hell (literally, the Madras was basically nearly a bonfire but this curry would be diving into a volcano, although you’d be dead before you touch the magma, which’d be almost rock solid).”
Though many were more than up for the challenge.
One person boasted: “3m is for the lightweights. Last one (sauce) I tried was just over 15m.
“Don’t know which was worse, the sauce or death nuts I did a few days after.
“Silly silly heat, but once past the shock it becomes easier.”
AGE RESTRICTION
It comes after Iceland introduced an age restriction on meals in the Pepper X range – which also includes Chilli Mac & Cheese – due to the extreme levels of heat.
The searing products have Iceland staff geared up to check IDs at the tills, ensuring the measurably spicy meals are only sold to customers over 18, reports the Mirror.
Commenting on the new additions, Matthew Worsley, head development chef at Iceland Foods, said: “Our customers love spice, and they are always pushing us to turn up the heat.
“So, this time we have developed a range that will not disappoint.
“Our Pepper X range is unlike anything we’ve ever offered to our customers before. It’s intense, it’s fiery and it’s certainly not for the faint-hearted.
“With intense heat comes great responsibility, so to ensure only the most experienced spice enthusiasts can take on the challenge, we’ve decided to limit sales to customers aged 18 and over.”
The Pepper X chilli earned the title of the World’s Hottest Chilli from Guinness World Records in 2023.
The fiery meals arrived in select Iceland and The Food Warehouse stores from October 10, with a full rollout across all Iceland and The Food Warehouse stores, including online, by October 14.
Money
Discount chain with nearly 200 branches shuts ‘absolutely loved’ town centre shop for good
A DISCOUNT chain with nearly 200 branches has shut its “absolutely loved” town centre shop for good.
The shop, based in the village of Ben Rhydding in Bradford, West Yorkshire, closed its doors forever on October 19.
The Original Factory Shop, on the corner of the A65 and Wheatley Lanea was once a garage and car showroom, but sadly the fate of the building has both been revealed and approved.
In August, Bradford Council’s planning panel approved the demolition of the building to make way for a drive-thru coffee shop.
Despite much controversy and uproar surrounding this plan, it seems the plan will be going ahead.
According to Telegraph & Argus, over 160 people wrote to Bradford Council, begging them to drop the plans.
This was followed by another 61 people signing a petition against the application, put forward by The EG Group Ltd and Burley Developments Ltd.
The EG was founded by the billionaire Issa brothers who operates other sites such as Starbucks, Greggs and Krispy Kreme – indicating what could replace the building.
In a Facebook post, The Original Factory Shop shared the sad news with locals and pointed them to the nearest chain in Otley.
It said: “We take this opportunity to thank all of the local community and our store colleagues for their support throughout our time here in Ilkley.”
Many unhappy locals have since taken to Facebook to share their thoughts.
One person wrote: “Absolutely loved the factory shop.”
While a second took a guess at what could replace the building: “It’s being taken over by the company that owns Starbucks and Kristy Kreme, so most likely a Starbucks. Tesco have had the plans.”
In response to this comment, a person said: “Glad it isn’t krispy kreme, my diet would be out the window.”
As locals questioned what could be replacing the shop, one person voiced their thoughts: “Well let’s hope they improve the aesthetics and make the signage in keeping with the town.”
Originally founded in 1969, the discount chain even turned 35 Woolworths stores into The Original Factory Shop stores.
It was also close to having 200 stores in the UK, but unfortunately this closure won’t get it any where nearer to that mark.
Alas, this news comes amid a wave of store closures across the UK.
Retail woes
Other retailers, such as Homebase, Boots, and Clarks, have been reducing the number of their high-street branches.
Rising rents, energy bills, and the cost of living have also caused many retailers to fail.
Several big retailers have fallen into administration in the past year, including Wilko, Paperchase, and most recently, The Body Shop and Ted Baker.
The Body Shop collapsed into administration on February 13, putting its almost 198 branches at risk of closure.
Since then, it has closed down 82 locations.
Why are retailers closing shops?
EMPTY shops have become an eyesore on many British high streets and are often symbolic of a town centre’s decline.
The Sun’s business editor Ashley Armstrong explains why so many retailers are shutting their doors.
In many cases, retailers are shutting stores because they are no longer the money-makers they once were because of the rise of online shopping.
Falling store sales and rising staff costs have made it even more expensive for shops to stay open. In some cases, retailers are shutting a store and reopening a new shop at the other end of a high street to reflect how a town has changed.
The problem is that when a big shop closes, footfall falls across the local high street, which puts more shops at risk of closing.
Retail parks are increasingly popular with shoppers, who want to be able to get easy, free parking at a time when local councils have hiked parking charges in towns.
Many retailers including Next and Marks & Spencer have been shutting stores on the high street and taking bigger stores in better-performing retail parks instead.
Boss Stuart Machin recently said that when it relocated a tired store in Chesterfield to a new big store in a retail park half a mile away, its sales in the area rose by 103 per cent.
In some cases, stores have been shut when a retailer goes bust, as in the case of Wilko, Debenhams Topshop, Dorothy Perkins and Paperchase to name a few.
What’s increasingly common is when a chain goes bust a rival retailer or private equity firm snaps up the intellectual property rights so they can own the brand and sell it online.
They may go on to open a handful of stores if there is customer demand, but there are rarely ever as many stores or in the same places.
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