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Hi everyone (apologies in advance for length), I finished a fixed term contract on Tuesday, and the next day put in a claim for Universal Credit. This is my first time on UC and I have my initial meeting this Monday. I last claimed in April when it was still a case of JSA/separate housing benefit, so having it in one lump sum monthly will definitely be more convenient. However, I do have a couple of minor concerns about what may or may not have changed since UC came into effect. 1) When I was on JSA, one or two members of staff tried to put pressure on me to give access to my Universal Jobmatch account. I wasn't happy to do this for the same reasons as lots of other people - I'm an adult who can and should be trusted to do my own jobsearch and don't appreciate being monitored like a naughty child, so it's mainly out of principle. Also, although I have an account and don't have anything against the site per se, it is not the only method of jobsearching and so wouldn't reflect the full amount of jobhunting I had actually done. Therefore, I prefer to write it all down on paper and was able to quote the necessary lines from the Toolkit to back up my right not to allow access. 2) Again, while on JSA, a different advisor threatened to "take action against me" if I did not lay my jobsearch out in the exact format ("What I will do", "what I did") in the A4 booklet. I preferred to do it like a diary, as this gave me more room to write down every employer I had applied to, whereas he wanted me to cram a week's worth into half a page (it did say to be as specific as possible!). Basically I'd have been writing the same thing twice every week but in different tenses, which is plain stupid. Anyway, I spoke to the Jobcentre manager (again quoting the bit from their Toolkit where it says they can't specify to jobseekers what form their evidence takes) and the manager confirmed that as long I was keeping a record, that was fine and that they do allow flexibility. Now, to my concerns regarding Universal Credit. I notice in my confirmation email about Monday's meeting, it says: "Please make sure you've registered with Universal Jobmatch on GOV.UK and bring your login details with you to the meeting." I'm fuming at this! Even the most militant advisor/coach under JSA never asked me for these! What I want to know is, can I still use those nuggets from Chapter 3 of the Toolkit to defend my right to privacy? I notice they all say "We cannot mandate/specify to a JSA claimant..." I don't want to be caught out by semantics. I know it would be illegal under Data Protection law to do this, but I also know that wouldn't bother some DWP staff. I can't find any evidence this has changed, but can anyone confirm that those quoted sections from the Toolkit are still valid under Universal Credit? I have written them down to take with me on Monday in case anyone gives me a hard time, but need to make sure it's still correct. Thanks in advance. -
Hi there, I have been out of work (Self employed) due to a knee injury. I am currently receiving 74.90 a week from ESA and that is ALL I am receiving. I live at home with my parents who I rent from. So going from Earning over 500 a week to 74.00 is making my life a nightmare. IS there anything else I can claim? All of my bills are racking up and going to start receiving late payments etc!
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Hi all, yet again i need your help. I have acted foolish, earlier this year i applied for and was suprised to be offered a loan of £950 by Sunny.co.uk, so i took the loan, then 4 days later paid it back, now according to their website you have a 5 day cooling off period where no interest is charged, although can only use this once every 12 months, i paid back and was charged £40+ extra in charges as i recall..... a few days after this i decided hmmm £950, that would come in handy for this and that, maybe my credit is getting a little better, applied again, was offered £950 again, took it, again....... i know, shame on me. Now the problem starts, i thought i would be paying back monthly over 10 months, but it turns out then wanted weekly, i went on the defensive and pulled the plug, running with the £950 essentially, fast forward 6 months, the total amount owing is £1450 odd from a initial £950 borrowed, on CR it is being marked as late payment NOT as a default, not yet anyway. I figure i want to enter in to negotiations to pay this back before it hits as default on CR, can i do this, are they likely to listen. I could maybe afford £50 per month for the next 6 months then maybe £80 per month. I know this will take forever for it to clear but better than getting a default... .. or not. Thanks in advance. -
Hi, I searched out this forum with a specific issue in mind. I have ordered a new garage door, made to measure, all steel insulated, secure locking etc. I paid 50% deposit on confirming the order, the total value of which is approx £1650. The company are demanding that I pay the balance before they will come and fit the door. I have baulked at this as it leaves me with no bargaining power should the installation or goods be below standard, but I have stated that I will pay immediately the fitting is complete to my satisfaction. They just keep repeating the mantra of 'our standard terms and conditions', and have cancelled the fitting which was scheduled for tomorrow. Just a few points: the only notification of these terms I recieved was by post after I paid the deposit. They stated that it was on the surveyors order form, but he just recited the tech specs and asked me to sign it to say they were correct. I believe that in legal terms any contract has to be judged as 'fair' to both parties. As their imposed terms leave them holding the money and the goods, I don't think that this principle is being upheld in this case. One hears numerous cases of consumers being let down or worse after 'paying up front' and although I may be able to fall back on the legal system, I think it is far more prudent to be wary prior to parting with the money. I have showd my good will and commitment to the contract by paying the deposit but it would appear the other party want to have things all their own way. Any thoughts, advice or suggestions from an experienced and knowledgeable audience would be appreciated -Thanks
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Hello and thanks for reading, im new to the forum so please bare with me. My mum died in 2008 when i was only 15. She had a mortgage through hallifax and had a loan secured on her house through swift. The loan was taken out on 20.10.2006 for £19,133 (I believe this was the amount with interest added on, i think she only received about £15,000. At the time she died her estate was handed to my aunty to deal with as i was too young. The market wasn't great for selling so my aunt thought it would be in my interest to keep the house on and have a tenant living there in the mean time until there would be a profit from the house sale so this is what she's done. While the tenant was there (the last 8 years) she's been paying the mortgage and the loan with swift. However we have now decided to sell the house. I had a look at some paperwork and my aunts been paying £280 a month, but they've added monthly interest of £300 so the debt is getting £20 worse a month, which I don't understand. We thought it would be straight forward as when the house sells we can pay off the remainder of the mortgage and the loan and bobs your uncle. However after doing some research on here of swift it doesn't look like that's the case. Is it true they will add a huge sum on the original loan amount for a settlement figure? how best to proceed from now? i really do thank you for your time reading this and hope someone can help because im at a loss -
I've received the following letter from DCBL Certificated Bailiffs & High Court Enforcement saying that my overdue debt of £180 to New Generation Parking Management (NGPM) has been assigned to them to recover. The letter is printed on really poor paper and looks like it's been printed on a teenagers printer in their bedroom where the ink is almost running out. The letter is titled "Notice of Debt Assignment" :- I have this letter on my Flickr account but this website won't let me put links in any posts. This was for a parking charge notice (PCN) from back in early summer 2014. I ignored the first ever letter saying I had to pay this and I never received anymore letters. Then over 18 months later, today this letter in the link above arrived on my doorstep. So now what do I do? I read other posts etc. And they all seem to say that once it gets to the debt collectors stage to totally ignore everything and not to contact them in any way. But is this at that stage now? Or further on. Is this a further scare tactic or actually serious? Their website on this new letter shows that they were on the TV program "don't pay, we take it away". Any advice would be great appreciated. -
Hi folks. I was wondering, out of interest, if someone could use the LIBOR scandal as a way of getting a default removed from their credit file? I've seen some responses from banks, when asked to remove a default, that they would not because they believed it was correct to place the default on the customer's credit file because it was "a true and accurate reflection of the customer's financial situation at the time", but surely it wasn't, if the banks had been fiddling LIBOR, as this affects credit card interest rates, loan interest rates, etc? Thanks for reading, ML
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Hi Guys hoping you can help me in some way. Ive returned home today from a week away and had 2 letters from dcbl one is a notice of debt assignment saying I have an overdue amount for £180.00 due to new generation parking management and has now been assigned to dcbl certificated bailiffs & high court enforcement to recover. the second is a notice of enforcement saying I now owe £340.00 and if I dont pay or agree a payment arrangement by the 7th November 2015 they will visit and charge me an additional £265.00. I had completely forgotten about this ticket, at the time I had it I was advised by family and friends to just ignore it. What do I do now, any advice? ticket was dated 29/03/2014 according to enforcement details -
Hi All I have an account with an outstanding balance still owing which is now status barred as it is 6 years since I last made a payment , I originally CCA the original solicitor for the bank whom stated they could not located the CCA so the account remained in dispute, about two years later they then sold it to a DCA to which I wrote to them stating that the account was still in dispute with the original solicitor for the bank as they could not locate my CCA and sent the DCA copies of the letters I'd sent to banks solicitor and their reply so I was a bit perplexed as to how they could sell it on when it was still in dispute. another two years pasts by and then out of the blue I received another letter from the DCA stating they now owned the debt and asking for my proposals for payment, again I sent them the same reply as before as regards the account being in dispute or to provide a cca to which I have heard nothing since. Question is I know full well that I had a good amount of PPI attached to this loan but would I be implicating myself by putting in a claim for PPI or does the status barred scenario only take into account when the last payment was made and therefore not implicate me for applying for PPI on the account I also had allot more loans with this bank with ppi which I paid up in full, but I don't want to rock the boat if this will null and void the status barred ruling on the account that was still outstanding and leave the door open for the DCA to be able to reopen the case as I have heard that if you contact the bank regarding PPI if any of the accounts have been sold to a DCA they contact them! Any thoughts please. Tinks -
This one from Scoop regarding increase in bailiff referrals by councils http://www.spaldingtoday.co.uk/news/opinion/campaigns/how-the-cost-of-paying-up-is-sending-bailiffs-diaries-wild-1-6962592 -
Hi I hoped I'd never need advice like this, but here it goes. I bought a new car in Dec 2013, on PCP. Total amount payable is £20,264.48 and I still have £15260.36 left to pay (according to their latest email) The first car was replaced under warranty for software/electrical issues, the car arrived in March 2014, and I had about a weeks use of my own car in this time. The second car was delivered with faults, which two dealers have failed to fix so far, VWFS refused my rejection over this and it is with the ombudsman for a final decision. However, they wrote to me on 5th Sept 2015 indicating I owe £1061.48. This is three months instalment and one unpaid instalment from a previous agreement, which I was told I had paid previously! I followed up the letter on the 11th Sept 2015, due to the fact I had been in hospital with my 5 week premature son on NICU. I was told that the previous formal complaint I had about the payments not being taken properly for this agreement on arrears , had been closed and no reason given. When I asked why they had not contacted me sooner over missed payments, I was told they don't contact people who have complaints open. I currently have no complaints open. I also asked for a statement of my account, which I was told today when I rang had not been sent. I was made to take a financial review this morning, in which I pre-empted by sending a budget, showing how I could afford the repayments plus an amount to cover the arrears (£95pcm). They refused this, not due to it not being enough, but because they claim I can no longer afford the finance agreement. They've apparently issued a default notice and I now have 19days to pay. I asked for my options to end the agreement and all that was sent was a settlement figure. I have made them aware that I was unaware these payments had not been paid, they had not informed me, and it was due to a combination of my poor health at the time, and my vehicle being in for constant repairs, with the loan vehicles not being suitable (for example, I do 400miles a week, I drive a diesel saloon, and they gave me a petrol automatic mum wagon!) Upon trawling through my agreement contract, I also came across a receipt made out to the dealer for £579, which is listed on the receipt as for "final payment" and the reference of my registration given. VWFS today confirmed that this was NOT taken off the amount owed, and they are "looking into it" The woman at VWFS has also sent another statement, which I won't hold my breath for! I think that this is everything, but as I have not slept in two weeks, and have only just been taken off nightly deliveries of milk to my sons NICU ward, as he has been put on a low dependency ward with his mother, my brain isn't really functioning 100%. Thanks in advance, -iD -
I'm not sure if I should be posting this here or in the debt forum, if I'm in the wrong place then please accept my apologies. I have a debt of £1500 to HMRC (my own fault I have the debt but I'm working hard to settle it). I was paying £10 a week to HMRC through my online banking, it's all I can afford. I'm self employed at the moment but my business is dying away, I have no way of recovering my business. I have been looking for full time work and there's no work available, I have however had an offer of full time permanent work from a company I used to work for but the job start date isn't until January. About 2 weeks ago HMRC passed the debt to a debt collection agency called Apex Credit Management who have since demanded the debt to be settled in full, I have no savings and my only asset is a car (which I need), I don't know the exact value of my car but it's not a lot, I bought it 4 year ago for a £1000. I wrote to Apex with an offer of £10 per week token payment but they refused as it's not a high enough offer, the letter said something about HMRC policy to have the account settled within 12 months. If I couldn't raise the token payment then they would hand the account back to HMRC for further enforcement. £10 a week is all I can genuinely afford, if I start this job in January I could have the remaining balance settled by about March. If I was to continue with the token payments, is it likely that HMRC would take further action while payments are being paid? What is the chance that they would automatically bankrupt me? I have a couple of other debts (1 priority and 1 non priority - both larger amounts than HMRC) who have all accepted the same token payment without any problems.
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as the above says. I'm posting this on behalf of my neighbour who has just got back from tameside magistrates regarding her housing benefit, in 2014 I helped her fill out the form HBCT1 and that was sent off, nothing was heard for several months, then after those months passed, still nothing, so I contacted them on her behalf, needless to say she had to fill out another HBCT1 form and was awarded housing benefit. New Charter had said that she owes them a total of £3000 she was taken to court today and ordered to pay £70 every monday, Bearing in mind that she gets £62 carers allowance and her income support. so out of her benefits she has to pay £270 every month. Because she had already applied but there was no acknowledgement from the revenues sector, is there any way to claim a backdate for that period that they say she owes them... Any help and advice would sincerely be appreciated.
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Equality Act, and lack of capacity, used to annul bankruptcy order. I will add more in a moment... Not sure where to post this argument here on this thread or the other one in the bailiff section so have decided here and to link to this thread for further discussions... I think this is an important to add here due to the thread and other things so your thoughts please... See below for the link... http://blogs.lexisnexis.co.uk/randi/...cial-receiver/ The link to a case referred to in the above can be found here http://www.mentalhealthlaw.co.uk/Haw...1)_EWHC_36_(Ch) Although this case is significant in as much was for bankruptcy it can easily be used for all levels of debt and with that in mind this info could be of use for many.... -
If I have 2 defaults on my credit record dating back to 2012 they show on credit checks left alone I'm guessing they will go statute barred in 3 yrs time However IF I paid the debts off in full when does the defaults go off the credit record? in 3 yrs time or in 6 yrs time? -
Hello, I'm new to this site and can't find where I need to search or post regarding an issue I have Thanks -
Hi Long story but the short version is. I owned a Cockatoo (Parrot) Had to rehome him as my dog had terminal cancer and needed constant care. Finally decided on a small sanctuary that had a small enclosure of animals. Sanctuary was owned by a couple that owned/run a pub/restaurant in a quiet part of the world. Have a contract drawn up by them that states if Cockatoo ever needs to be rehomed we would have first refusal and would be contacted to discuss. Have just found out today that the couple sold the pub in April and all animals rehomed to another sanctuary, one that allows large scale visitors and is open daily to the public. Sanctuary is not a charity. No contact was made with me to discuss this or my Cockatoo, he was just passed on without my knowledge. I am not happy with him being at this sanctuary and id prefer to have him back here, as stated in the contract. This contract was the only reason I parted with him in the first place, as I wanted him to have a secure home where he wouldn't be passed around to others, and in the event that they could no longer look after him, I wanted him back here with me. I have contacted the new sanctuary, but no response as yet. Do I have any rights? Thank you. -
Hi and thanks in advance. I wondered if anyone could tell me if I am being, or have been, treated fairly with regards to a debt i have been paying off for some time now. I originally took a personal loan of £15k to buy into a business. It wasn't secured on the house I own, as at the time I was quite credit worthy and didn't expect there to be any problems. This was just before the recession. The business that we had worked hard to build up failed. Sadly my marriage did also. I started to fall behind on my payments and tried to negotiate with Tesco, but was given short shrift. The people I spoke to made no secret of the fact that they would proceed with a view of repossesing the property I own with my ex wife, if their demands were not met. The loan agreement was approx £170 per month, but they were demanding over £300 per month at a time when I simply couldn't afford it. They then placed a charging order on the property. Work for me at the time was sporadic, I am a builder and very little work was taking place at that time. I was staying on friends couches etc and paying them everything I could afford. I have religiously made these payment (on average £100 per month) for nearly a decade, and assumed that the debt would have been reduced significantly. I was informed that the debt had been frozen when I defaulted and it was passed to a debt handling company. Over the last couple of years I have worked 7 days a week to build a company up and things have gone well. I am now in the position to be able to face some of the demons of the past and so requested a breakdown of whatever debt was still outstanding from Tesco. You can probably guess the next bit. They have been charging interest ( I think at 5.9% PA) for the entire duration since I defaulted. I was staggered. I assumed that it would have been down to a nominal figure. I haven't spoken to anyone including Tesco, or the various companies that have pursued the debt on their behalf. I wanted to find out as much as I could before I did so. I am hoping I have some form of case here. The irony is now I can actually afford to pay the figure off in full immediately. It's just that they categorically informed me that the debt had been frozen when the account went into arrears. I am happy to supply as much information as I have if needed. Any help with this would be greatly appreciated. I have used CAG in the past to help a friend who was threatened with having her home repossessed. The outcome was.......She is still happily living there! Thanks for reading. Gary
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My car was hit by another driver today before and they proceeded to drive away, my neighbour heard the collision and luckily got the car registration and make and model. The damage to my car is only probably a few hundred pounds. I have called the police and I have an appointment with them tomorrow. What is the best way to proceed with this? I feel I have two options, go through my insurance and pay my excess (£250) and lose my my ncb. I can't help but feel a little bit hard done to here, I was hit by a possible uninsured driver and may possibly have to pay for the same as well as us all paying extra in our premiums. Any advice? Any chance the askmib site is incorrect? If I do pay for this out if my own pocket I will try and have the police take it as far as possible. -
Hello all, I have been claiming JSA and have been referred to Ingeus just recently so far i have avoided signing any paper work as to not fall into their trap. luckily enough i have now found a job that i am due to start so i need to stop my JSA claim however as i will be paid monthly i would really need the housing benefit 4 week run on for help with rent and c.tax. what is the best route for me to go as i really do not want INGEUS contacting my new employer as it is rather annoying plus i haven't signed anything so dont feel it is fair if they did. can i tell the job centre that i have simply just found a job without giving them the actual details? and give the local council details of my job in order to get the run on or will the council tell the job centre my details and they then pass it on to ingeus? any help is much appreciated. thank you. Dean -
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If there is a dispute regarding goods that may have been seized by bailiffs and the debtor considers that those goods should not have been taken as they were considered (for one reason or another) to be exempt, then the regulations provide that there is a proper and FREE procedure that should be made under section 85 of the Civil Procedure Rules. Unfortunately, it would seem that debtors are wrongly making application to the County Court for injunctions and so far, we have yet to see one succesful case. Instead, there are many cases now being reported where debtors are having substantial cost orders made against them (in one case last week a debtor was ordered to pay the local authorities costs of £3,200. Details can be read here: http://www.consumeractiongroup.co.uk/forum/showthread.php?445251-Goods-on-HP-a-Judge-says-they-can-be-sold(8-Viewing)-nbsp Today, I have received details of yet another failed injunction but most importantly, the Judgment makes very clear (yet again) that the wrong procedure was used and the claim has instead been transferred to a District Judge at another court pursuant to CPR 85.7(5) for further directions. Details will follow in a moment.... PS: It should be noted that in this particular case, it would also seem that the wrong party had issued the proceedings. -
Hi all, rather a strange post so please bear with me. Today I had a 3 hour long final assessment as an admin assistant and got offered the job after my 1 on 1 interview at the end. I was called away to the interview when I was inbetween filling in all the forms. When I finished the forms, the another lady who worked there (not the one who interview me) looked through my forms and said I need to provide proof of the last 3 years of my benefits. I was a carer for my Gran up until Sept 2014 but was getting Carers Allowance up until August 2012. The Carers Allowance stopped due to my Gran being in hospital so much but I still carried on being her carer even though I was claiming JSA. In April 2014 I started to claim ESA as my Grans health began to deteriorate and she was in and out of hospital again but I was still her carer. My Gran passed in Sept 2014 and am signing off ESA now as this job offer has really given me the boost I needed and that I never thought Id get. My question is, why do I need to provide this information? How do I go about providing this information? From the DWP? I didnt even know I could get this info. -
Hi All, I had was involved in a RTA back in January; happy to say not serious and not my fault. Third Party admitted liability, so I made a direct claim to their insurers, who promptly arranged for repairs to my car, arranged a hire car, and paid out a sum to my passenger in injury compensation. I didn’t make a personal injury claim at the time as I didn’t experience any effects that I could attribute to the accident. However just about a week later I did experience a stiff neck and shoulder pain, also pain down my arm, I knew that it must’ve been as a direct result of the accident, but I was under the impression that I would be out of time to make a claim, so I put it down to experience and forgot all about it. I had a call recently from an accident claims specialist who said that the insurers put aside an amount for injury compensation, I did explain that I thought it would be too late, however the guy was very persistent, so I agreed to make a claim through them. I was passed on to their legal team who took details. I then got this letter from them via email, however something appears to be “Not Quite Right” :- “Dear Mr Murphy Re Your Accident on 29th January 2015 Please note as requested, we have arranged After the Event legal expenses insurance to cover you throughout this case. On the information currently available to us, we believe, that a contract of insurance with AmTrust Europe Legal is appropriate to cover your opponent’s charges and your own disbursements in case you lose. What this means is that if your claim is unsuccessful, the insurance then takes effect to protect you, as previously discussed the premium amount is deferred and costs £350.00 which is payable by you upon conclusion of your claim as it is no longer recoverable from your opponent since the government changed the rules with effect from 1st April 2013. If you lose the premium is still not payable. Full details are contained in the insurance policy documents. It is generally this type of cover which we recommend; we do not have any financial interest in recommending to you AmTrust Europe Legal. We only select from a limited number of insurers for After the Event legal expense insurance contracts but we are not contractually obliged to conduct our business in this way. You can ask us for a list of the insurers that we use. Yours Faithfully” Shall I tell them to go do one, or do think it’s OK Thank for your help Ken -
I am the executor of my recently deceased uncle's esatate. He died without leaving a will and I am the only living blood relative. I applied for a grant of probate in order to be able to close bank accounts etc. DWP have now written to me asking for details of all bank accounts etc and have warned me that, as he was receiving benefits, they may have overpaid and will look to claim back any such overpayments. What powers do the DWP have if they start an investigation? Can they trace any/all bank or building society accounts by way of his name and NI no. which they obviously have? -
Hi all, I'll try and keep it brief and stick to the facts. Ordered a bed online via a company based in England, bed arrived, but was damaged and missing a bunch of parts I informed them of the damage and asked to return the bed, they offered to replace the missing and damaged parts, but I asked for a refund instead. They agreed, somewhat reluctantly and this is where I need advice, they told me to package up the bed and send it back myself. I Sent it back via Parcel2go (TNT express delivery), costing me around £37, they weren't in to sign for it, so the item was taken back to the delivery hub, they claim to have arranged delivery for a couple of days later, but TNT sent the bed back to me. Parcel2go won't give me a refund because the delivery was attempted It took nearly two weeks to get the 2nd part of the bed back from TNT and the parcel was basically wrecked, with gaping holes in it. I currently have a claim for damage with Parcel2go on that front So I sent the bed back AGAIN, via another courier and it was received (another £17) But, the bed company is only offering a refund of the bed and delivery cost (I've yet to see the refund(s) so far) My question is, shouln't they be liable for the costs of sending the bed back, for both occasions?
