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My sister in law is in the process of getting Housing benefit.
The council have agreed to pay for a private rental for her and are paying the bond however she has been told that she has to find the first months rent as 2 months rent are due upfront and doesnt have the money.
The council are saying they cant help and we are not in the position to help financially either as we are moving house and area next week.
What can she do about this otherwise will be homeless
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
Thanks Rooster.... am hoping that it turns out that they should pay it anyhow.
Thanks
Me A&L - Overdraft / Charges On Hold £300
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
As she has only been claiming benefits for a limited time she isnt entitled to an emergency loan from DWP. The housing side have given her an emergency loan for the Bond however this doesnt take in to effect that she has to put two months up front and she doesnt have the money.
Is there anything she can do as we are moving house and area and we need to ensure that she and baby arent homeless.......anyone
Me A&L - Overdraft / Charges On Hold £300
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
If I were her I'd go and speak to the CAB....they will probably have more of an idea of what she might be entitled to and might even be able to help her claim for it.
I'm surprised that she cant get help from the DWP....they have several different loans/grants from the social fund and I would have thought she'd be entitled to one of them!
The only other option might be to try and find a place where they only require one months rent up front.
good luck
Halifax
S.A.R - (Subject Access Request) sent - 30/1/2007
Prelim letter sent asking for total of 1571.52 - 15/3/2007
LBA sent 30/3/2007
court papers filed
Offer letter received - £1495.13
Cheers M A A B, we've tried CAB and they havent been much help to be honest.
She has had an emergency loan which the council has secured for the bond on the rent and then the other problem is we live in a really small town and the only agents in our area which are taking on DSS are the ones she is using and they asked for 2 months upfront on all their properties.
The other issue is we move out week after next (over 100 miles away) and its taken her 2 month to find this property which the council would pay the whole amount on.
We're just at a dead end and really do need help on this, I cant understand how the council cant help further as surely they must have cases like this all the time.
Thanks
Me A&L - Overdraft / Charges On Hold £300
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
Shame that the CAB weren't much use I dont know what else she could do really...is there anyone else, friends/family that could lend her the money? I'm guessing not
They have a phone number for their helpline on the website and you can email them....lots on info on the site as well...maybe they can help (finger crossed)
Halifax
S.A.R - (Subject Access Request) sent - 30/1/2007
Prelim letter sent asking for total of 1571.52 - 15/3/2007
LBA sent 30/3/2007
court papers filed
Offer letter received - £1495.13
We tried that too... the council have no spare places and waiting list will be 6 months.
We will try Shelter though see if they know of anyway round it, we even tried the estate agent to see if they could ask to do just one months rent and said no. Thanks for that.
We're not in a position to lend any money as we are moving house and all that expense with it, parents have just recently bought a house which they are doing up so no spare cash from them either as both no longer work.
Cheers
Me A&L - Overdraft / Charges On Hold £300
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
hopefully shelter might have some ideas for you...good luck with it and let us know how you get on
Halifax
S.A.R - (Subject Access Request) sent - 30/1/2007
Prelim letter sent asking for total of 1571.52 - 15/3/2007
LBA sent 30/3/2007
court papers filed
Offer letter received - £1495.13
Hello Keeksta,
you have been misadvised. You are allowed to apply for a crisis loan in this situation. You can apply for a crisis loan even if you work, and there is no qualifying period. After all, you cant ask a crisis to come back in 2 weeks when you hit the qualifying quota. Go to the Jobcentre Plus website at Jobcentre Plus and click on a-z of benefits, then crisis loans to get the forms. Many of my clients have qualified for help this way. Have a look at this : Crisis Loans
What are they?
Crisis Loans are interest-free loans you have to pay back. They may be available to anyone, whether or not they get any benefit, who need help to meet expenses in an emergency or as a consequence of a disaster. Are they for me?
If you are aged 16 or over and cannot pay your basic living costs (or some other essential cost), and this could put the health and safety of you or your family at risk, you may be able to get a Crisis Loan.
Any savings will usually affect how much you can get.
Cheers M A A B, we've tried CAB and they havent been much help to be honest.
She has had an emergency loan which the council has secured for the bond on the rent and then the other problem is we live in a really small town and the only agents in our area which are taking on DSS are the ones she is using and they asked for 2 months upfront on all their properties.
The other issue is we move out week after next (over 100 miles away) and its taken her 2 month to find this property which the council would pay the whole amount on.
We're just at a dead end and really do need help on this, I cant understand how the council cant help further as surely they must have cases like this all the time.
Thanks
Were was this CAB office,as they should have explained about the crisis loan criteria as my fellow scouser MCBIRNIE25 has posted,if they never mentioned the crisis loan criteria,then once this has been sorted.... then put a complaint in to this CAB office.
Ron
My understanding was that they have given her a crisis loan for her Bond and that was all she was allowed but thanks for this I will get onto her about this now.
Thanks for that
Me A&L - Overdraft / Charges On Hold £300
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
My sister in law is in the process of getting Housing benefit.
The council have agreed to pay for a private rental for her and are paying the bond however she has been told that she has to find the first months rent as 2 months rent are due upfront and doesnt have the money.
The council are saying they cant help and we are not in the position to help financially either as we are moving house and area next week.
What can she do about this otherwise will be homeless
you can apply to the Social Fund on a Crisis Loan for Items for Rent in advance (Normaly 1 month will be awarded but can be 2 months) you will need a tennancy agrement from your landlord.
Mum v's the DCA NatWest. No CCA - For around 6 months no DCA has chased for this amount MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims Lloyds TSB. Overdraft / Charges On Hold Waiting for test case
Sister Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent M&S - Have CCA. Nothing for 2 years from anyone?! Argos - No CCA or DCA involved for over 2 years now Next - No CCA or DCA involved for over 2 years now
4 x Others accepting token payments of £1 as CCA in place.
I have recently just finished university and I am now applying for job seekers allowance. I have an interview on tuesday at the job centre about my claim but I was told to bring my P45, as I have never had a job because of studying I dont own a P45. Will the job centre be ok with this or will this be a problem. Your advice would be greatly appreciated. Thanks