Just looking for some advice, recently I asked my work coach at my Job Centre if the worst comes and I do face a sanction in the future while I am on Universal Credit, will my housing element be affected as well, and he said yes, is this true? I thought housing element won't be affected while on a sanction, or his he wrong? I just hope I don't end up on UC for too long, I am aiming to get into work ASAP.

Hi. I have recently fallen into rent arrears with my housing association I have a long term tenancy, have been here since 2010. I have a long term illness that has got progressively worse and in the past 2 years, I have been totally disabled. Without going into a load of irrelevant details, I spend am average of 18 hours everyday in a lot of pain, and have been hospitalized more times than I can count. I have recently been told I will never get any better as the bulk of the pain is because of scar tissue from a series of operations in a short space of time. Our rent payments made have been quite erratic, in all honesty for a while now due to being very low income and prioritising food and heating over rent, as we knew we could catch up on the rent at a later date. We always did catch up in maybe a couple of months. We have had housing benefit for a while also, so even when we fell behind, it was not actually by much. However, with my illness getting worse and (7 months back now) the DWP curing me of my illness (I am appealing and my consultant says I should absolutely win and most likely go from standard to higher ontop of this, and get everything backdated) and removing a large chunk of our income, things have not been so great. Our housing association just switched hands a couple of months ago, and almost immediately I was threatened with a notice of seeking posession. At the time I owed 200 pounds in total in arrears. I missed one payment recently and was planning on making it up the next ESA payment, but I received a notice seeking posession a week after this. Since then I have kept making payments and still plan to, but this is quite scary as we have nowhere we could go if we were evicted. My questions are 1. From looking around on the internet, apparently I have to owe 2 months rent before a notice can be issued. I do not owe 2 months rent. 2. Is housing benefit supposed to be taken into account for this? I owe £160 in arrears (I confirmed this with an adviser, got her to take off HB owed. I also worked it out myself from previous bank statements crossed with recent rent statement), however the letter I recieved said I owe £360. This is likely because the housing benefit owed has not been calculated. The 2 months rent, would this be the 2 months worth of topup I am meant to pay? Which would make the total I am supposed to owe to make it 8 weeks £200. Or is it meant to be 2 months total rent, which would make the total I was supposed to owe £800 Or is the 2 month figure false altogether? If the 2 month figure is correct, then I do not owe enough for this action surely? If it is only supposed to be the topup I pay that counts for this, then the housing benefit owed should be taken off the total they are saying I owe, so it would be £160, not the £200 it would be of it was 8 weeks behind.. I suspect by the time I appear in court, there won't actually be any arrears at all, or they will be extremely low (people I have spoke to say that these are already extremely low at £160, but I mean low as in under 100). Or if I have had my tribunal and have had the backdated PIP then I will actually be way in credit on my rent account. Will any of this make a difference? And what actually are the chances of a judge evicting us? I hope this message makes sense, I am a little emotional right now.

https://www.nationaldebtline.org/EW/factsheets/Pages/bailiff-reform/our-campaign.aspx Back in May, National Debtline launched a campaign for a reform of enforcement practices. Perhaps we should encourage people to take part in this excercise that ND are organising. EC's do need to be properly regulated.

I've been on a DMP now for over 7 years and am looking into what I should be doing now. There are 6 accounts remaining on the DMP, 2 of which have been reassigned and are wtih Debt Colletion Agencies, the other 4 are with the original creditors. Default Notices were served on all these accounts and my credit file is no longer affected by them. I've had a look through some of the threads on here and it seems that I should be issuing CCA requests to the DCAs at least to see if the debts are enforceable. Just wondering what the position is regarding accounts still with the original creditors. I have a few concerns about doing this though as the DMP is running smoothly and I am planning on applying for a mortgage soon so am worried that by issuing CCA requests, the creditors may be triggered in to starting court action. just wondering if it is worth doing it now or waiting until I have a mortgage. Any advice would be appreciated.

I recently fell behind with some rent payments, which I'm now paying back. My Landlord issued a claim for possession through the courts and the hearing date is in April, however, today I received a form 6a from the Landlord and I'm really confused! Does this go hand in hand with the Court hearing? It appears tactics have changed. How do I stand with a 6a as it states 'no fault possession. The Court claim says it's due to rent arrears. Please could anyone shed some light on it for me?

Hi, I am seeking some advice and will try not to rattle on or confuse. My story: Had mortgage with the woolwich, and handed keys back in 1996, they sold house on at a huge loss in 1997. Parents received one letter for me which they 'signed for',then realised it was in my name so sent it back. I had moved away. 2002 bought a house. 2004 changed mortgage provider. 2006 changed mortgage provider. 2009 sold up and now back in rented. So for the past 20 years since i defauted on mortgage i've been self-employed, had 3 mortgages, a bank account, mobile phone account, car insurance, council tax, utility bills. I am now for the first time about to go on the electoral register. Twice in the past i have paid £2 for my credit report and never saw a ccj, so i presume i've never had one. i am wondering if i never received a ccj, if going on the electoral register will change things or, as its been 20 years without any obvious attempts to find me that, there are no dca's seeking me? Thanks in advance.

I am currently trying to get information from Hillesden regarding a HP agreement I took out in 2001 with Associates Capital for a car. This agreement was taken over by Welcome Finance. Prior to this change I contacted Associates and told them I could no longer afford the car due to personal circumstances at the time, and asked them to collect as I had the car for 2 years which was half the HP agreement timescale. They never collected the car. I contacted Welcome after the change and told them the same, that I could no longer afford the car and to collect. Again they did not but wanted me to take out a new agreement with them to re-finance the car. I refused to do this. After checking my credit report, Hillesden Securities now 'own' this alleged debt. I checked my credit report last month and this account was defaulted as an HP agreement. This month, however, they have defaulted me for the same amount and changed the type of default to a loan account. Can they do this? Anyone? The information is lodged with Callcredit reference agency, on two other reference agency files it shows as a HP agreement. Please let me know what you think before I write to Callcredit and Hillesden

With over 3.5 million Liability Orders being issued each year for arrears of council tax, this new thread is of huge importance as the following proposal from the government will affect many thousands of council tax payers. For this reason I would hope that the moderators will allow this thread to remain on the main section of the forum for a few days before transferring it to the new 'bailiff discussion' section. Today the Department for Communities and Local Government (DCLG) announced that they have issued a Consultation paper regarding proposals to extend the data sharing facility with HMRC to enable them to share data pertaining to higher income debtors. The purpose of which is to enable the local authority to make an attachment of earnings order against the debtors employer.

I need an urgent advice please. I originally lived in Hampshire a few months a go I moved to Birmingham for a new temporary job, rent a place there and failed to update the address on my car insurance. Even though I was fully insured with the option to drive other vehicles the police invalidated my insurance on the spot and seized my car. The policeman advised that the MIB cancelled the insurance. I now received a letter where I need to choose between guilty (£300 fine and 6 points) or not guilty and go to court. They treat me like someone who had no insurance at all. I called the MIB on 01908 830001 and they said that they have no power to cancel an insurance policy so I am confused about the whole situation and the right steps I need to take from here. Any advise would be very helpful please.

I currently have been served a Notice Seeking Possession by my HA as i have rent arrears, I have a full/assured tenancy and to cut a long story short i did have over 7k worth of priority debt in the form of Council Tax Arrears, Rent Arrears and Overpayment Arrears (which at the time i knew nothing about, which the council verbally admitted but not in writing) anway, i have been served a NSP every year for the last 3 years, but it has never been actioned as i have always paid something each week to clear the arrears. My current NSP expires at the end of February and i am due to clear all arrears by the end of May, so i will be served another NSP, My question is, once the arrears are clear (in May) does the NSP become invalid and if i was ever to slip in to arrears again they would need to issue a new one, or does it stay live and active until February 2017 even though the arrears will be clear in May 2016 Thanks P.S as a side note, please everyone take priority debt seriously, 7k i was in, and finally, come May 2016 every single penny of that would have been paid back in full, I feel i have done well and can see a light at the end of that dark long tunnel.

Hi all, first post but have been doing some reading so hopefully we have a bit of an idea what we need to do and hopefully this post is in the correct place, if not, please feel free to move it! Back in 2008 due to family health and work issues, we ran into severe financial difficulties. We had several credit cards and came with to agreements with all but one to pay a full and final settlement. This all took us several stressful months to sort. We had defaults issued against us and began to manage our finances alot better. The one credit card company eventually moved our debt to a DCA but at no point did we respond to their letters or frequent phone calls. It now appears the old DCA has moved our debt on to a company called Cabot financial. It looks to be a fairly standard letter asking for the payment or for us to contact them to sort our an arrangement. Upon checking our credit files, I see all of our defaults are now gone and there is no mention of the outstanding debt. Do we simply contact the company using the following template? Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years If not, any advice as to what steps we need to take would be greatfully accepted. Thank you in advance.

Good afternoon, I have been tagged at the MOTO Birch West services from 05/05/15 12:02 to 05/05/15 14:54. The letter states that the 'free parking period' is 2 hours, of which i extended from this. This has never happened to me before and i was totally unaware this was even possible, especially when spending money within the establishment. I had arranged a business meeting at the services, bought 3 coffees in total (which i have receipts for) and stayed for the duration in a business meeting. Total fine: £60... extending to £100 if not paid within 28 days. For me, i had absolutely no idea there were charges applicable and if i had seen signage, this would not have been a problem to pay as it would have gone on my expenses for work. I find this absolutely disgraceful that this has now extended to my personal finance and would appreciate all support in hitting back at these bullies. Any other details required, please let me know. Regards

Hello, I am new to this forum - in fact I've never joined a forum before so it's a first for me I've seen a few of the posts which are on here and the help/advice offered is amazing, after all a problem shared is a problem halved... Take care all

Hi all, I hope I have posted in the correct forum. I am seeking advice on behalf of my dad, who lives in Edinburgh. Yesterday afternoon, when he tried to open one of the kitchen windows---PVC double glazing may be about 20 years old---he heard a mechanical crack and the top panel could no longer be pulled up and close. He called the insurance company, but was told that it would be considered as normal wear-and-tear, given the age of the window, and they won't cover the damage. He then called a local double glazing company to come and have a look, and a chap came and upon (according to my dad) a very brief examination said that the spring had snapped. He said that he cannot replace the springs on the day as it is a two men job, but will be able to close the window for my dad by removing the springs, and he can come back the next day to replace the springs. According to my dad, the tradesman then used what appears to be quite a lot of brute force to dislodge and break up the springs. At that time my dad was a bit worried that he might damage the frame, but did not say anything as he is no expert. Anyway, after some effort, the springs were broken into several pieces and removed, and the guy lifted the window up and tried to lock the panel up. However, may be due to age, the lock does not seem to be working fully, but he managed to get the panel locked in position---for the moment. Shortly after he came down the window panel crashed down too. This completely destroyed the frame and the panel. A new window is now required. The guy then said that he won't be charging the call out fee (90 pounds), but will charge another 60 pounds if he is asked to board up the window. Obviously my dad was quite upset, and did not want him to do more work. He also told my dad to call home building insurance as they should cover the damage, and then left. My dad called his insurance company again, but was told that they won't cover any damaged caused by workmen, and it should be the workmen's insurance who pays for the damage. Today, my dad called the guy again explaining the situation, but it appeared that the guy was trying to deny responsibility---claiming the window is old, and that my dad had forced him to do a two-men's job (which is completely untrue). In the end, he said that he is going to call his boss, and the boss will call back in a few days. They seem to be a very small company, with a rudimentary website. My dad has already called for an emergency repair from another company, and they managed to lift the broken panel up again, and temporally lodged it in place. But the window no longer seals, and wind blows in easily. My dad is anxious to get the window replaced as soon as possible, but is unsure if he will be able to get any money back without prior agreement with the trader's insurance company. And he is also unsure what to do if the company starts to play avoids contact, pass on the blame etc. I have advised him to instead of calling the company, write to them and keep all the paper records of correspondence from now on. And I would really appreciate any advice from fellow CAGers on what is the best way of dealing with this case, and if my dad would be able to get at least some compensation. He is happy to pay for the cost of a spring change, but replacing the entire window is totally unexpected, and of course a lot more expensive. Thank you very much for your help in advance. Any suggestions are welcome. WTLH

I am learning about this new Universal Credit. It replaces JSA and is a one monthly payment to include income support and housing benefit payment. One is given a 'Work Coach' for life, who will be the same even upon moving to a different part of the country. Can I ask how are people finding it? My friend is required to seek work 35 hours each week. I can not understand this as it seems like an impossible request to me. Does it all have to be done via the computer? I can see one glaring problem is that they do not have internet access. They of course will use the library but they only grant up to 2 hours a day. That is only 10 hours a week. Thanks

Over the past couple of months our company has been sending out a marketing campaign in the form of a box of goodies. Can't specify the exact contents on a public forum, but we send these out to prospective clients (other businesses) to give them an idea of what services we provide. We've sent out 54 of these boxes so far (not including the ones we give to clients face-to-face) and so far only 50 have arrived. Essentially, 7.40% of the parcels we have sent have gone missing. Each one has been sent using Royal Mail 2nd Class Signed-for, at £3.70 a pop. We naturally use a signed-for service to ensure the box has been delivered. Two of the missing boxes have only just gone over their 15 working day window, but the other two had claims submitted back in November. We received a cheque for about £9 for one of the claims, covering the contents of the box and the postage paid. All well and good. However the other (essentially identical) claim has essentially been rejected. Royal Mail acknowledge the tracking number shows no delivery or signature. But they state that, as they have written to the intended recipient requesting confirmation of whether or not the item arrived, and received no reply, they are therefore assuming the item has been delivered and have closed the case. Surely this can't be right, especially for a service specifically purchased to show delivery confirmation?

Hi Everyone , This site helped me massively before and Thank everyone here . Recently I set up a Ltd company with a colleague from my old employment. He had the funds and I had the contacts and he spent about 2 K the company failed. I resigned last week well was partly forced to as he wanted money. Basically he was not committed to it threw some money in and went on holiday . Came back when it was not looking good he just continually give out negatives and every time I thought I ad a chance he would shoot it down. The issue is this. When we set up the business he purchased 2 laptops indicated he had about 10K in savings and would do everything possible to make it work. He paid the set up fee about £75 also the accountant and some business cards and some other expenses. I did purchases too paying for website etc and probably spent a similar amount overall. When he purchased the laptops I agreed we would pay him back for these as the business generated an income. Last week before I resigned he was asking me to pay him some of the company costs and the laptop and he would have the business approx. £600. Then he said if I would take the business off him ( we were both 50% directors) he would accept £2K . He knew when we started the business I had only enough funds for living expenses for approx 2 months as a result I resigned from the company. Then he has emailed me stating I said I would pay for the laptop in May and he is giving me 45 days . I do not have the funds to pay him and offered to return the laptop . He is emailing from his personal email and states he rejected the offer as the laptop is now 4 months old and he will extend to 60 days time to pay. We also had agreed we would be employed by the business but as no income of course we have not been paid . I am now on benefits and do not have the means to pay him . The letters are structured to try to paint a picture that is inaccurate and is designed to get at me as I resigned the business and he cannot operate without my contacts. Some of the emails came from his business email as a director then the last 2 emails from his personal email and without the older emails attached as they showed he was seeking personal payment for a limited company expenses. Any advice on what to do next would be great.

Hi, I was previously told by my adviser screenshots of my mailbox are required to prove that I am actively looking for works. For months there were never any problems with my job search. However now I am given some forms called Actively seeking employment (with questions like what did you do, when did you do it, job details etc) by the JC staff, she told me to fill it in and then show it to her tomorrow. I really do not know why this happened as she obviously cannot be bothered to explain it to me. It somehow makes me feel that she did not trust the evidences I provided at all (she's photocopied the screenshots I provided). I'd basically just like to ask if it is normal for the JC advisor to ask the claimant to fill out this form, when the claimant already provided screenshots of the mailbox?? I personally really do not know how to answer some of the questions listed. For examples: which JC did you use to look for jobs and on what date(s) did you visit/contact them? Can I simply say that I went to JC only to sign on??... Just noticed that there are questions like "why do you feel that the steps you have taken to find work in the week in question give you your best prospects of getting a job？ Why did you not take all those steps to find work that you had agreed to on your agreement? (WHAT?!!) etc" Very tricky questions I have to say!! Thanks.

hello everyone, i am trying to help out a family member in a situation with BA and thought that i might be able to get some help here 1. family member (FM) comes from the UK but is based in Australia. 2. FM buys a non-refundable return ticket to the UK through BA to visit her family, this is dated for march 2014 3. FM's mother is diagnosed with cancer and she buys a ticket through BA to the UK for early january 2014 4. FM is forced to cancel the ticket. I believe she had to cancel both legs or none, although she told me 'it was all a blur' so I am not certain of this 5. FM was refunded her tax only, essentially the cancellation cost her $1490 or 830 pounds 6. FM sent a letter explaining the details and was told 'sorry it is non refundable' 7. FM's Mum had a happy-enough ending after some surgery, and FM returned home on singapore airlines, not wanting to give BA any money I am now trying to write the second letter to BA Can anyone help? Although I understand their hesitancy to refund due to the personal emergency, (especially since we can't really prove it in their text based online forms) it seems to be that the crux of the matter is that 1) FM still flew there with BA, they still 'got their money' from the flight 2) Also, my limited knowledge of contract law is that they can only penalise for the losses they have taken. If they sold her ticket in the two months they were able to, surely we have the right to a refund 3) Lastly if FM was correct that she had to cancel both legs, that seems unfair since the second leg could have been of use. Which brings me to my next question - is this going to be based off Australian Consumer Law or UK Consumer Law? Any insight to this would be appreciated. edit: don't think this is relevant, but the original letter said that getting a credit with BA instead of a refund would have been acceptable, due the frequency that FM flies back and forth.

Hello I recently moved out of the flat i lived in for two years on the 10th of Jan 2014. The letting agent was closed when i was moving out but the landlord came over to do an inventory. We both agreed on the costs for damages and he removed it from my deposit and gave me the balance. Today i received an email from the letting agent with some other damages and replacement of beds, sofa etc. Things we did not agree during the final checks. I am worried they will apply for a CCJ under my name. All i have is a text from the landlord that says how much damages he was going to remove from my deposit. I have been trying to talk to them all day but have not heard back. Any advise will be welcome. Thank you.

Hi everyone, New to all of this so don't understand too much of the jargon as of yet, but hope someone can offer some advice for my situation as I am clueless! My situation: 21 year old University student Debts: £2200 - Nationwide credit card £500 - HSBC overdraft unpaid £500 - HSBC credit card £1400 - Co op overdraft unpaid So I'm consistently receiving letters to my parents house threatening court action however I now live at university where they don't have my address and I have completely ignored contact with all of them. These debts were all 1 - 3 years ago when I really was a silly young boy with a terrible spending habit, a gambling addiction and a desire to not work. I also did lie on some of these application forms to obtain credit (not all but on some saying I had an income when I didn't) Not pleasant I know. But I really have changed things around tho, I'm at university studying a course I love, focused on being successful in my future career now, budgeting the money I do have, never gamble, infact rarely buy anything I don't need and Now I'm wondering the best plan of action is for my debts. With the small amount I do get from my student loan and Saturday job I would still have nowhere near enough to even be able to consider making minimum repayments to these debt collectors. At this moment in time with 5 days a week at university, 1 day a week working I simply think adding an extra day of working to make small insignificant payments to these collectors could jeopardise my potential for being successful at University. Does anyone know roughly how long I can expect until I'm issued a CCJ from one of these companies? What I'm really concerned about Is that to all these companies I always put down my address as the one at the time, being my parents house, can this affect them in any way? If I wasn't to keep up repayments could they take assets from my parents house? This is my worst nightmare tbh! Would anyone have any advice for the best course of action now?

Hi , Im new to these forums and really need some guidance on were to go with this matter. In 2010 i took out a mobile phone contract with orange the contract was for a iphone as far as im aware , after a few problems i returned the handset was within the 7 day period, i then tried 2 more handsets and couldnt settle and returned these, as far as i remember the contract would have been a 18 month contract at £35.00. My problem is after returning these handsets i moved 2 months later . had mail redirected for 28 days and in this time dont remember recieving anything inregards to this. Anyway the debt as now been passed over to bryan carter and court documents have been recieved. i want to defend this debt. Bryan carter are telling me a payment was recieved for £89 ( i think this may be a credit actually from orange on to the account for the delivery fees - and the partial months - How do i find out if this is the case? . Also bryan carter are telling me the debt was sold to lowell in 2011, its now 2013? . If id taken out a contract for 18 months - The balance would be £630 , If it was 24 months £840. this doesnt include termination fees and there others fees?? The balance is £276.19 - without court fees. This doesnt make sense? Even if i add the £89 theyve recieved were does this amout come from? (£365.19) . Can anyone offer any advice on how i procede with this. All correspondence recieved so far is also for my new address (been here nearly 3 years) . No one as ever mention my previous address . I moved here january 2011 . Really stuck at what to do but dont wanna end up paying for something im sure i returned. Thank You in advance

Hi all I have had a CCJ issued by BC for a capital one credit card (£6570 original debt £6003). The court accepted my financial circumstances and accepted the payment offer of £1 per month. Now obviously I am never going to pay this off as it will take me 500+ years. Is there anyway of getting this debt wiped out? I also owe another £25K (on nine accounts) which I am trying to sort out, the other creditors have been more sympathetic to my current position and I am managing to hold off more CCJ's at the moment. Although I am only paying the others £1 per month. TIA

Hi all I'm looking for some advice here as I'm having no end of problems with my letting agent, Your Move. I have found their standard of service and communication to be appalling whilst being charged extortionate fees. They have carried out repairs without first obtaining quotes, not returned calls, not paid money into my account on the date that they assured me they would and generally been downright rude. If my tenant only stays for six months I have calculated that I'll have paid them 60% of the rental income in fees, with their monthly management fee being 18.3%. I had to chase them to obtain an invoice for a repair that was carried out on a 9 year old washing machine and this showed a part which cost £55. In correspondence with one of their managers he revealed the part actually cost £53.88 but they allowed their contractors to round this up as he had to source the part, this was on top of a £40 job charge which I assumed would include sourcing parts. I was also forwarded an email from the contractor which had been sent to Your Move in which he admitted that the machine was old and anything could go wrong at that age. Had I been contacted prior to the original repair I'd just have bought a newer second hand machine in the first place and saved myself some money. On top of that I had to chase Your Move in order to have them chase the tenant for late paid rent despite me paying for a fully managed service. I was told they give the tenants 10 days after the rent due date before they even begin chasing it, which was never once explained to me prior to this incident. I'm now past the point where there is less than two months left on the tenancy so I cannot serve notice, although with the exception of the late paid rent which was a simple oversight on the tenants part and rectified within an hour of it being brought to their attention, they have been good tenants and I do not want to evict them for no reason other than a poor standard of service from the letting agent. My contract states that if I cancel the agreement with the tenants in place or move to another agent with the tenant still in place I'll owe Your Move one month's rent plus VAT. However there is a clause that states if either party breaches contract and a satisfactory resolution cannot be reached and the agent is at fault I can cancel my contract with Your Move without any penalty. My question therefore is whether or not the above issues, which is just scraping the surface of a downright joke of a service, will constitute a breach of contract on Your Move's part? As far as I'm concerned I'm paying them for a service which I am not receiving and do not think they are complying with their duties as agents, I have sent a letter to their customer relations department and have been assured of a response sometime next week but any additional advice is very much appreciated. I realise I should never have signed a contract with such extortionate fees but I found myself with a vacant property at very short notice and very little time to get it all sorted out and stupidly assumed a company the size of Your Move would be professional and fee competitively.

Hello, I recently became unemployed in December. Since then I managed to get back into work on a Zero Hour Contract. Anything to be free from the dole was a bonus in my mind. The problem I have now is that this job never lets me have any work. If I phone they apologise and say there isn't any work, if I wait I don't receive a phonecall or text so what can I do? It's an awful situation to be in. As I was desperate to leave the Job Centre and for the first few weeks I got some decent shifts out of it. I was warned when I started work that there might be quiet periods and was then later told by a different member of staff they rely on you for a few weeks to fill the quota and then you are just added to a never ending list full of names. When it's really busy you are required. When it's quiet which is most of the year they will pick a select number who have worked for a while and are able to work each and every shift. What I did then in mid March was decide to reapply for Job Seekers Allowance. The forms seemed to go on forever seeing as I had recently took up employment. Still employed just not received any work since. Got all the information sorted, signed on, had to wait a week or two to get the forms sorted. I have been told by the Job Centre that I must use a site called Universal Job Match. I was made aware of this site before I signed off in February. As I had a start date due and it wasn't mandatory until April the 2nd I think I never bothered signing up to site as it wasn't compulsory. I had also heard the site was shocking and amateurish. I have since signed upto the site and started using it frequently as that is what the advisors required. What I am having trouble with though is the fact that this site is much worse than any other. The first time I signed on I was told to stick with Universal Jobmatch. I did that and I found that every job I apply for the status says received and not one has been viewed for over a month of applying. So what is better about this site over any other than what they can do to track what you are doing? It doesn't seem to be very popular, companies are not flooding in from all angles and the site is truly dreadful. Yet I keep being told to use the site as they are not happy with me applying for jobs on Indeed, Totaljobs and Reed my personal favourites. So limiting my choices is not helping me in the slightest. As I'm 23 years old I applied for a few apprenticeships as it was part of my Job Seeking Agreement when I first signed on when I was aged 21. Not many Apprenticeships around in the sector I was looking at back then. As I was employed I was earning over £400 a week so I wasn't necessarily going to drop down to £70 and travel long distances on public transport as most of the apprenticeships are quite a travel and for what you get paid it would leave me in a lot of trouble. Then funnily enough I received a phonecall saying am I still interested? 2 months after I first applied for this apprenticeship position. I had no idea who the company was, who the learning provider was and what the actual job was. She explained quickly. With what was going through my mind I just decided to say no as a two year course which would only fund me until 24 years old, the travel and the wage wouldn't cover much and I'd find myself out of pocket. I was just wondering if I had applied for this job myself will I be sanctioned? As I've been thretting over it for the past week. Not received anything else. Universal which I feel restricted to don't bother looking at the CV's. The only other phonecall I have had from an unknown number is a survey team and as my number was new then I'm guessing some of these job advertisements are fakes. Still classed as employed just in a bad situation.