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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
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    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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JSA advice needed.


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I have been out of work for 3 months and have decided to make a retorspective claim for JSA. I was told i could make a claim retrospectively by one of the telephone agents. I've filled out the form online and have had a call to attend an interview.

 

question i have is, ive just had news and been offered a job, which i have accepted, so can i still go ahead with the claim, obviously i'll tell them i've got a job, but can i still go ahead with the claim for the 3 months i was out of work?

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I have been out of work for 3 months and have decided to make a retorspective claim for JSA. I was told i could make a claim retrospectively by one of the telephone agents. I've filled out the form online and have had a call to attend an interview.

 

question i have is, ive just had news and been offered a job, which i have accepted, so can i still go ahead with the claim, obviously i'll tell them i've got a job, but can i still go ahead with the claim for the 3 months i was out of work?

 

Yes you can...PROVIDED that it was recorded as proof that you were indeed registered as unemployed at that time 3 months ago,otherwise you shall not be entitled to the retrospective claim..

 

All the best in your new Job Tauran and well done.

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what do you mean by "registered as unemployed"? is this something i should have done or the company that i worked for?

 

What I mean is can you SHOW or PROVE that 3 months ago you were unemployed.For example did you pop into the Jobcentre and make a claim on that date 3 months ago even though you received no money.Are the Jobcentre or Glasgow aware that you were unemployed 3 montns ago.

 

Or have you only NOW 3months later told them and is it ONLY NOW 3 months later that they are aware that you were unemployed 3 months ago.If this is the case then you will NOT be entitled to RETROSPECTIVE claiming.

 

M2ae:confused:

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the answer to that question is no, i did not inform anyone of my redundancy from work 3 months ago, but it is something my P45 can prove. i have been asked to bring along my p45 as well as details of my previous employer for them to contact and they may use these means to confirm this.

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You will be required to show "good cause" for failing to claim at the time.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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ok, i'll go along and answer their questions, and hopefully things go my way.

thanks for the help guys.

 

 

You have to show that in the period of your unemployment you had no 'proof of income'.

 

That is because they will wonder how you managed to support yourself..i.e cash in hand work...relatives...friends etc..unfortunately the burden is on you to prove that you were not being helped or did not fall into any of these categories.

 

Your P45 will only go to prove that you left/made redundant etc work on a particular day in addition to your tax details.

 

It does not give any information as to what or how you sustained yourself in the interim 3 months until you contacted telephone agent.

 

If you had spoken to that telephone agent 3 months before you actually did then that agent would have recorded the fact that you did make a claim on that date.In those circumstances you should be entitled to backdated claim.

 

Hope that helps

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well i just lived off my redundancy pay to be honest, its wasnt huge but it was enough, not sure what they'll look for but hopefully my bank statements will show enough activity for them to realise i did just live off my own money. there was no other money going into my bank account apart from moving money from my savings into my current account whenever needed.

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well i just lived off my redundancy pay to be honest, its wasnt huge but it was enough, not sure what they'll look for but hopefully my bank statements will show enough activity for them to realise i did just live off my own money. there was no other money going into my bank account apart from moving money from my savings into my current account whenever needed.

 

 

If you can demonstrate this then you may have done just enough to discharge the burden and be entitled to claim for backdated JSA...But then you must make sure that any savings do not reach the threshold that disentitle you to that backdated JSA.or from making a claim at all..but no doubt these questions would already have been put to you and it appears from the content of your answers that the only issue is as ERIKAPNP said ''good cause for not claiming''.

 

In other words if you can show and it does seem to show through your documentary evidence that you were being sustained through your earned income from previous work and any savings you had did not amount to the 'relevant amount' then you may be legally entitled to back-claim.Make sure you take absolutely all relevant paperwork with you to the interview otherwise it will be delayed.

 

rgds

 

m2ae

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