Hi I have been receiving ESA since beginning of august (after losing my job due to illness) We get £200 per fortnight ESA, £350 per month housing benefit and my hubby gets £75 per week from work (after losing his main income) so this is all we have coming in. I have applied for a budgeting loan but have now read you need to be on ESA for 26 weeks to be entitled? We are currently paying £500 rent per month but moving soon so that will help but until then we are struggling with rent and bills etc? Any advice greatly appreciated Thanks x

1.Law of Mechanical Repair - After your hands become coated with grease, your nose will begin to itch and you'll have to pee. 2.Law of Gravity - Any tool, nut, bolt, screw, when dropped, will roll to the least accessible place in the universe. 3.Law of Probability - The probability of being watched is directly proportional to the stupidity of your act. 4.Law of Random Numbers - If you dial a wrong number, you never get a busy signal - and someone always answers. 6.Variation Law - If you change lines (or traffic lanes), the one you were in will always move faster than the one you are in now (works every time). 7.Law of the Bath - When the body is fully immersed in water, the telephone rings. 8.Law of Close Encounters - The probability of meeting someone you know INCREASES dramatically when you are with someone you don't want to be seen with. 9.Law of the Result - When you try to prove to someone that a machine won't work, IT WILL!!! 10.Law of Bio-Mechanics - The severity of the itch is inversely proportional to the reach. 11.Law of the Theatre & Hockey Arena- At any event, the people whose seats are furthest from the aisle, always arrive last. They are the ones who will leave their seats several times to go for food, beer, or the toilet and who leave early before the end of the performance or the game is over. The folks in the aisle seats come early, never move once, have long gangly legs or big bellies and stay to the bitter end of the performance. The aisle people also are very surly folk. 12.The Coffee Law- As soon as you sit down to a cup of hot coffee, your boss will ask you to do something which will last until the coffee is cold. 13.Murphy's Law of Lockers- If there are only 2 people in a locker room, they will have adjacent lockers. 14.Law of Physical Surfaces - The chances of an open-faced jam sandwich landing face down on a floor, are directly correlated to the newness and cost of the carpet or rug. 15.Law of Logical Argument - Anything is possible IF you don't know what you are talking about. 16.Brown'sLaw of Physical Appearance - If the clothes fit, they're ugly. 17.Oliver’s Law of Public Speaking -- A CLOSED MOUTH GATHERS NO FEET!!! 18.Wilson's Law of Commercial Marketing Strategy - As soon as you find a product that you really like, they will stop making it. 19.Doctors' Law - If you don't feel well, make an appointment to go to the doctor, by the time you get there you'll feel better.. But don't make an appointment, and you'll stay sick.

Hi If you work part time do you have to tell your employer that you have a second job? Thank you.

On JSA, just finished a sanction but told i can't get crisis loan until after first payment after sanction, won't get money now till next Friday. Electricity will run out today. Do i have any option left, just to top up elec. Also can't get hardship unless your on a sanction. I can get food from food bank, but i will be living in dark at night, which will be a bit of a pain and i won't be able to cook anything.

Hi, I am a IT consultant and was employed by IT firm on a permanent basis with good pay but due to the fact that I was on bench for quite some time and bit worried about my career I was looking around for other opportunities. I got an permanent offer from other IT firm who promised me a good work as they won recently a bid, but after few phases of project the project went on hold and my customer was not quite interested from the beginning to implement my solution as they were lacking of budget and infrastructure and my company didn't do any ground work and took me on board and 2 months later they asked me to look out for other opportunities. I was shocked as I left my permanent job where I worked for more than year and quite safe and joined this organization only on the grounds of good work they promised and I even didn't even bothered about money also. Buggers played with my career. They just issued a letter leaving the company and given a week notice as I am in my probation. I pray to god this situation never come to anyone.

Hi all, First of all, thanks for this useful website. It´s really appreciable to have website like this one, where consumers can access to information about their rights. Thanks! My problem is the following: I rented a car in Enterprise recently, The renting was just for one day. I consider myself a sensible driver, fortunately, I have never had an accident so I took the basic insurance. Unfortunately, that day, I was hit by other driver when I was getting home. Enterprise car was lightly damaged, it was not too much, the other car did not damaged even. The other driver blamed me of the guilt, but I think that it was her fault, therefore it was her words against mine. , so after giving us each other our personal details (Name, address, telephone number, etc ..) each one carried on its ways. Next day , I returned the car, I let them know about the incident, and gave them the details of the other driver, I make a statement and drawing of happened. That junction is recorded by cameras of Council so I told Enterprise that they could ask for the images. The thing is that Enterprise has not refunded my deposit (£200), after claiming for it, I have been said this: ****************************************************************************** Hi Oscar As mentioned when in the office, I was going to collect the £600 excess while we process the claim. I will check again for you later today and see how the claim is coming along, these things normally take time when dealing with multiple insurance companies. I have retained the £200 as your card declined for the remaining £400. We take this excess as this is the proportion of the repair which you are responsible for, you will receive a refund once the claim has been resolved and the third party has taken full responsibility. If you would like to call the DRU yourself you can do on number below; 08456042881 Thanks *********************************************************************************** I truly consider that it was not my fault, I was hit by the other car, my worry is that Enterprise insurance does not worry in defending my position, and maybe the easiest thing is assume the guilt and don´t refund the deposit, or even claiming me more money. What do you think? What can I do to defend my rights here? Does anybody happened this? Thanks all in advance. Regards Oscar

Hey Everybody, Been reading threads on this site for the last few weeks and have got to say you all give some really great advice and know your stuff so was wondering if you could advise on this. I have been attempting to clear my debts myself trying to reducing payments etc with mixed results, with some creditors agreeing to freeze interest and charges and others not. I am in a situation now where i have 4 creditors who i owe around £100 each which i could clear off in one months payment (paying about £390 a month to creditors) but this would mean that other creditors (I have 13 in total) would'nt receive anything for that month but i would then be able to increase my monthly amounts (I hope this makes sense). So basically i was wondering if anybody thought this would be a good idea or if there are some implications i am not seeing? Regards Carl1983