Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

+ Reply to Thread
Results 1 to 17 of 17
  1. #1
    Basic Account Holder lancsgirl1 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2009
    Posts
    11

    Default Applying for a budgeting loan

    please help! I've become a single parent of three 16,15 and 16 months, I have to move out of my home to one closer to the older childrens school and college as my ex took the family car and I just can't get them there! I'm on income support, and I get caters allowance as my youngest sons has ADHD, I am going to see the new house this Sunday and its a strong possibility it will be suitable, now the difficult part, I need 675 deposit and 675 rent for when I move in, I've been advised to apply for a budgeting loan so I've called for the form today, I'm just worried as I don't know how to fill forms in! Do I make my situation seem worse? Because to be honest it's bad anyway! I'd need help with moving too as I now don't have. Car to move the smaller stuff in! I really need someone who is clues up on this because I just don't know how I'm going to manage to fill it in properly, if someone can help I would be most grateful! I must add that my ex also took the fridge freezer the washing machine and the tumble dryer! What a gent! So for the last four weeks I have had to live with three children like someone out of the middle ages not buying much food as it would go off quickly! Really need some advice!

    Follows
    0
    Following
    0

  2. #2
    Basic Account Holder stuggling Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2010
    Posts
    696

    Default Re: Applying for a budgeting loan

    We had to do this a while back and they said they would not pay the rent on the house or even deposit!! i would go CAB with it and get them to help you with the form


  3. #3
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    I am in
    teramnian!!
    Posts
    6,366

    Default Re: Applying for a budgeting loan

    No you don't need to make your situation sound worse. Budgeting loans in general are awarded if there is sufficient funds in the budget and you satisfy the criteria and Social fund debt is under the limit. As a family unit, the maximum you will get is 812.00. It's cut and dry with a budgeting loan, they do not take into account the urgency of your need or health issues of you and your family. It will be repaid by making deductions from your benefit.

    They cannot help with a deposit, but they can help with rent in advance. There are deposit schemes out there run by local councils - you should enquire about those for the deposit.

    If you answer some questions for me, I can advise you.
    How long have you been claiming income support, more than 6 months or less than 6 months?
    Do you currently owe any money to the Social Fund (budgeting loan, Crisis loan)? If so, how much?
    Do you have any other debts or arrears that you pay out on a regular basis? - you don't need to give me details, just yes or no is sufficient.

    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)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






    download the CAG toolbar

    Follows
    0
    Following
    0

  4. #4
    Basic Account Holder lancsgirl1 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2009
    Posts
    11

    Default Re: Applying for a budgeting loan

    I have been on is since 10th nov 2010
    I don't owe any money as I've never claimed any benefits before this.
    I have debts yes x

    I will go and see the council about help with rent in advance on Monday I didn't know about this x


  5. #5
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2007
    I am in
    uk
    Posts
    1,966

    Default Re: Applying for a budgeting loan

    Budgeting loan

    Who is eligible?

    You may be able to get a Budgeting Loan if you or your partner have been claiming or getting payment of one of the following benefits for at least 26 weeks:
    • Income Support
    • income-related Employment and Support Allowance
    • income-based Jobseeker's Allowance
    • Pension Credit

    and you need help to pay for any of the following:
    • furniture or household equipment
    • clothing or footwear
    • advance rent or removal expenses for a new home
    • travelling expenses
    • things to help you look for or start work
    • improving, maintaining or securing your home
    • repaying hire purchase or other debts you took out to pay for any of the above
    How much do you get?

    You can apply to borrow between 100 and 1,500. The final amount of Budgeting Loan you get will depend on:
    • whether you are single
    • whether you are a couple
    • whether you are single or a couple, with children
    • any existing money you owe to the Social Fund
    • your ability to repay the loan
    • your savings - your award will usually be reduced by the amount of any savings you or your partner or civil partner have above 1,000 (or 2,000 if one or both of you is over 60)

    The following can't be taken into account:
    • the urgency of your need
    • any health problems you or your family might have
    Who is eligible?

    You can apply for a Community Care Grant if you are either:
    • already getting Income Support, income-related Employment and Support Allowance, income-based Jobseeker's Allowance, Pension Credit, or payment on account of one of these benefits
    • likely to start getting one of these benefits within the next six weeks because you're moving out of care

    and any one of the following applies:
    • you're moving out of residential or institutional care to live independently
    • you're moving to a new home which will be more suitable for you following an unsettled period in your life and are being resettled by an organisation like a local council or voluntary organisation
    • you need help to stay in your home and not go into residential care or hospital
    • you need help because you and your family face exceptional pressure, such as family breakdown or because one of you has a long-term illness
    • you look after someone who is ill or disabled, or has been released from custody on temporary licence
    • you need help with expenses such as visiting someone who is ill, or to attend a relative's funeralicon
    How much do you get?

    The amount you might get depends on your circumstances.
    Effect of savings on awards

    The amount of Community Care Grant you may get is reduced if you have savings of:
    • over 500 where you and your partner are aged under 60
    • over 1,000 where you and/or your partner are aged over 60
    Crisis Loan – who can apply

    You can apply for a Crisis Loan if you:
    • are aged 16 or over
    • don't have enough money to meet your (or your family's) immediate short term needs in an emergency or as the result of a disaster
    • think there will be serious damage or risk to your (or your family's) health or safety without the loan
    A Crisis Loan can help cover the following short term needs:
    • meeting daily living expenses
    • rent in advance
    • board/lodging charges
    • residential charges for a hostel
    • pre-paid meter fuel debt
    • travel expenses if you are stranded away from home
    A Crisis Loan can also help if either of the following applies:
    • you have suffered a disaster like a fire or flood that has caused a lot of damage and you need help to meet other expenses like replacing household items and clothing
    • you have been awarded a Community Care Grant and you're moving out of institutional or residential accommodation and don't have enough money to pay advance rent to a non-local authority landlord
    How much do you get?

    There is no set amount for a Crisis Loan. The amount you may be able to borrow will depend on:
    • your individual circumstances
    • any savings you have
    • whether or not you have any outstanding loans from the Social Fund
    These were taken from the direct gov website.

    A budgeting loan is highly unlikely to cover you request for the deposit and rent in advance. You would be more likely to get help throuh a crisis loan for that and you must have been in receipt of a means tested benefit for a minimum of 26 weeks without even a break of 1 day (this can include if you were a partner on someone elses claim).


  6. #6
    Basic Account Holder lancsgirl1 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2009
    Posts
    11

    Default Re: Applying for a budgeting loan

    Can I apply for more than one of the above ?


  7. #7
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2007
    I am in
    uk
    Posts
    1,966

    Default Re: Applying for a budgeting loan

    Yes you can apply for all 3 but the award of them will be based on your individual entitlement.


  8. #8
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    I am in
    teramnian!!
    Posts
    6,366

    Default Re: Applying for a budgeting loan

    A budgeting loan will cover the rent in advance. It's one of the tick boxes on the form. It will also help with removal expenses. It won't cover a deposit, neither will a Crisis Loan or a Community Care Grant - both CCG's and CL's were overhauled last month. For a Crisis Loan, there has to have been a disaster or an emergency to pay for rent in advance. For a Community Care Grant, there needs to be a need for community care. You apply for a Crisis Loan and a Community Care Grant on the same form now. The budgeting loan in a stand alone application.

    You've been on IS for long enough to qualify (26 weeks). You have no current social fund debt. That means you will be eligible for 812 on a budgeting loan, and you are likely to get it. (I'm assuming you have no savings!).

    It is extremely important that you tell them on the form about your debts. The reason they ask this is because if a person has other debts to pay, they will reduce the repayment rate of your budgeting loan, so that you will be paying it back at a lower cost each week (and spread over a longer period) than if you had no debt. Where you have no debt, they will apply the highest deduction to your benefit.

    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)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






    download the CAG toolbar

    Follows
    0
    Following
    0

  9. #9
    Basic Account Holder lancsgirl1 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2009
    Posts
    11

    Default Re: Applying for a budgeting loan

    That's right I have no savings, I'm so grateful for your help, my sister has just called and I've told her what's happening, I've not told anyone how bad its got and not wanted them to see how bad it's got, she's paid for my internet and telephone to be put back on, taken our clothes to be washed and been and got me a small pug in cool box so I can buy milk ECt ECt, I will tell them about the debts.
    Im just printing off the forms, I wonder if the fact I've been left with no fridge ECt ECt and I'm having to move nearer to my sister for support and help will help with the ccg or cl? If I am eligible for the bl then I'm happy! Feels like there's a little bit of light at the end of this nightmare! You don't know how much you have all helped I'm so grateful and can sleep a little easier this evening xxx
    I will let you know how I get on xx


  10. #10
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    I am in
    teramnian!!
    Posts
    6,366

    Default Re: Applying for a budgeting loan

    On its own, no. A fridge tends to be classified as non essential (extremely hard to get an award for a fridge, unless you are an insulin dependent diabetic). I even had a case once where the person was an insulin dependent diabetic and he was refused an award for a fridge on the grounds that he used his neighbours fridge, and there was no reason that arrangement could not continue. It went all the way to the IRS and was still unsucessful. You would also need to be able to demonstrate an emergency or a disaster (such as a flood) for a Crisis Loan, or demonstrate that you had a need for community care for a community care grant.

    You can still apply though - the worst that will happen is they will turn you down. With the BL, these are rarely turned down when you meet the criteria.

    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)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






    download the CAG toolbar

    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder stuggling Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2010
    Posts
    696

    Default Re: Applying for a budgeting loan

    deffo worth tryin for fridge thoe as when we did last yr when hubby was made unemployed ours packed in and couldnt get another we explained it to them and got a crisi loan to help get a new one so worth a try, good luck to you and like above be honest about debts and who get what and how much it helps with the repayment decision xx


  12. #12
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    I am in
    teramnian!!
    Posts
    6,366

    Default Re: Applying for a budgeting loan

    A crisis loan don't help with household items anymore unless there is a disaster. They stopped Crisis loans for all household items in April of this year, but there is an exception in the events disaster, such as a flood etc.

    Still - the worst they can say is no - so always worth a shot.

    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)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






    download the CAG toolbar

    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder lancsgirl1 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2009
    Posts
    11

    Default Re: Applying for a budgeting loan

    Hi people! Update from me, I went to see the house and took it straight away! It was too good an opportunity to miss, and the landlady said she could wait a month for the deposit. So I heard back from social fund today, crisis loan peeps said thanks but NO thanks! But I was expecting that anyway, so I called the budgeting loan people and it was done today and they have offered me 812"!!!! Can't believe it I'm so thrilled! I've just got to wait for the offer to come through and sighn the papers and then it will go into my account, thanks so much to all of you who offered advice I couldn't have done it without you! I thanks you and my family thanks you!!! Xx x x x


  14. #14
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2009
    I am in
    Pixie land.
    Posts
    29,042

    Default Re: Applying for a budgeting loan

    Excellent news, well done you for persisting. I hope it goes well for you from now on.

    HB x

    Illegitimi non carborundum.

    Please consider making a small donation to help keep this site running
    Click here to donate through PayPal (opens in a new window)

    If you are asked to deal with any matter via private message, PLEASE report it.

    IB/ESA Tribunal template successes [that I know about]:
    honeybee13 April 2008; brighton gal January 2010 ; cbbc May 2010 lee100 September 2010 HadEnough October 2010 nitelite February 2011 Pritti March 2011
    Nottingham1989 [with leemack] June 2011
    Follows
    0
    Following
    0

  15. #15
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP Authoritative ErikaPNP's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    I am in
    teramnian!!
    Posts
    6,366

    Default Re: Applying for a budgeting loan

    There you are, see! Your funds will credit into your account within 3 days of them receiving back the signed offer letter.

    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)


    If my advice has been helpful, please show your gratitude by taking a moment to click on the star icon on the bottom strip of my post






    download the CAG toolbar

    Follows
    0
    Following
    0

  16. #16
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976 Authoritative flumps1976's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2007
    I am in
    uk
    Posts
    1,966

    Default Re: Applying for a budgeting loan

    It is highly likely that the reply envelope will be a second class reply so if you need to get the declaration to them quickly you can call the social fund department to ask them for a fax number and a n appointment with a custoner service person at the JCP office so that it can be faxed over for you.


  17. #17
    Basic Account Holder hevvanoz Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jul 2011
    I am in
    liverpool
    Posts
    45

    Default Re: Applying for a budgeting loan

    Quote Originally Posted by flumps1976 View Post
    Budgeting loan

    Who is eligible?

    You may be able to get a Budgeting Loan if you or your partner have been claiming or getting payment of one of the following benefits for at least 26 weeks:
    • Income Support
    • income-related Employment and Support Allowance
    • income-based Jobseeker's Allowance
    • Pension Credit

    and you need help to pay for any of the following:
    • furniture or household equipment
    • clothing or footwear
    • advance rent or removal expenses for a new home
    • travelling expenses
    • things to help you look for or start work
    • improving, maintaining or securing your home
    • repaying hire purchase or other debts you took out to pay for any of the above
    How much do you get?

    You can apply to borrow between 100 and 1,500. The final amount of Budgeting Loan you get will depend on:
    • whether you are single
    • whether you are a couple
    • whether you are single or a couple, with children
    • any existing money you owe to the Social Fund
    • your ability to repay the loan
    • your savings - your award will usually be reduced by the amount of any savings you or your partner or civil partner have above 1,000 (or 2,000 if one or both of you is over 60)

    The following can't be taken into account:
    • the urgency of your need
    • any health problems you or your family might have
    Who is eligible?

    You can apply for a Community Care Grant if you are either:
    • already getting Income Support, income-related Employment and Support Allowance, income-based Jobseeker's Allowance, Pension Credit, or payment on account of one of these benefits
    • likely to start getting one of these benefits within the next six weeks because you're moving out of care

    and any one of the following applies:
    • you're moving out of residential or institutional care to live independently
    • you're moving to a new home which will be more suitable for you following an unsettled period in your life and are being resettled by an organisation like a local council or voluntary organisation
    • you need help to stay in your home and not go into residential care or hospital
    • you need help because you and your family face exceptional pressure, such as family breakdown or because one of you has a long-term illness
    • you look after someone who is ill or disabled, or has been released from custody on temporary licence
    • you need help with expenses such as visiting someone who is ill, or to attend a relative's funeralicon
    How much do you get?

    The amount you might get depends on your circumstances.
    Effect of savings on awards

    The amount of Community Care Grant you may get is reduced if you have savings of:
    • over 500 where you and your partner are aged under 60
    • over 1,000 where you and/or your partner are aged over 60
    Crisis Loan who can apply

    You can apply for a Crisis Loan if you:
    • are aged 16 or over
    • don't have enough money to meet your (or your family's) immediate short term needs in an emergency or as the result of a disaster
    • think there will be serious damage or risk to your (or your family's) health or safety without the loan
    A Crisis Loan can help cover the following short term needs:
    • meeting daily living expenses
    • rent in advance
    • board/lodging charges
    • residential charges for a hostel
    • pre-paid meter fuel debt
    • travel expenses if you are stranded away from home
    A Crisis Loan can also help if either of the following applies:
    • you have suffered a disaster like a fire or flood that has caused a lot of damage and you need help to meet other expenses like replacing household items and clothing
    • you have been awarded a Community Care Grant and you're moving out of institutional or residential accommodation and don't have enough money to pay advance rent to a non-local authority landlord
    How much do you get?

    There is no set amount for a Crisis Loan. The amount you may be able to borrow will depend on:
    • your individual circumstances
    • any savings you have
    • whether or not you have any outstanding loans from the Social Fund
    These were taken from the direct gov website.

    A budgeting loan is highly unlikely to cover you request for the deposit and rent in advance. You would be more likely to get help throuh a crisis loan for that and you must have been in receipt of a means tested benefit for a minimum of 26 weeks without even a break of 1 day (this can include if you were a partner on someone elses claim).
    I thought the maximum allowed break between qualifying benefits was no more than 28 days..Am I wrong in thinking this?



Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE