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 9 of 9
  1. #1
    Basic Account Holder tedted Novitiate tedted's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    I am in
    Gateshead
    Posts
    22

    Unhappy Lloyds TSB and Cretin Comes To Mind

    Wondering if someone can give me some advice...

    I am currently a part time LLB student and became unemployed just before xmas - so I'm signing on,
    but JSA money hasn't started to come through yet for various reasons relating to my student status.

    Before I was a p/t time student I was a full time student and had a student overdrafticon
    - which is now a graduate account and my main banking account with Lloydsicon TSB.

    About a year ago I got myself a mobile phone contract and because I have not been able to afford to pay it my overdraft has been mounting up and is now 300 past what is allowed.

    for the past few weeks I have been getting phone callsicon from Lloyds (01273743574) everyday demanding the 300 back.

    At one point one guy said they were going to give me a month to wait for the jobseekers money to come through,
    then the next day it was like nothing happened and they were demanding the money again..

    It feels rather invasive and like harassment having them bothering me all the time when I have clearly explained my situation,
    that I cannot afford to pay until I get a job; or at least until the job centre pulls their finger out.

    Does anyone have any suggestions as to how to get lloyds off my back until such a time as when I can pay them?
    I.e. when the job centre comes through or when I get a job..

    Erm don't know whether it's relevant or not, but I lost my job due to having epileptic problems, which are now fine.

    Thanks.

    NSNO
    Follows
    0
    Following
    0

  2. #2
    Basic Account Holder tedted Novitiate tedted's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    I am in
    Gateshead
    Posts
    22

    Thumbs down JSA is a joke...

    I am a part time student and I am unemployed, so am signing on. In my first meeting at the jobcentre I was advised to apply for contributionicon Based JSA, as I had just left my previous job - but after almost two months of waiting to be paid they sent me a letter saying that I don't have enough NI contributions etc etc (I think this is because I had just done a full time degree and for the three years prior I was just doing temp work).

    Immediately after I got the letter, which was about three weeks ago, I arranged an appointment at the jobcentre to fill in a JSA3 form. I was advised to date it from the day that I first applied to sign on, a few months prior. The lady at the jobcentre checked through it and then sent it off. I received a phone callicon the next day saying that it had arrived at it's destination.

    I telephoned the jobcentre yesterday to find out what's taking so long and they phoned me back today saying they are having trouble locating the JSA3 form which I filled in. They explained that they don't know exactly when I will be getting JSA through. It was suggested that I get a crisis loan - which I understand is money that I have to pay back to them. Why would I want to get a loan off them when they owe me over 3 months of JSA, their logic is bizarre.

    To add to all of this, I have got myself in debt spending money that I haven't got. I wouldn't have got into debt if the JSA was coming through regularly. My bank is requesting that I pay all of the money back now - which I cant. My mobile phone has been cut off - orangeicon have been a tad more lenient and today agreed to give me a week to pay.

    It feels like they are taking the p*ss, it also feels like an uphill struggle trying to get a job. I have had a couple of interviews which I have had to turn down because I couldn't afford to get to them.

    As I understand it, the jobcentre don't deal with the payments - that is the job of the benefit delivery centre (or whatever it is called). Should I make a complaint to them, would that be the best course of action? If so, how? Can anyone think of anything else I can do to speed things up? I am completely clueless at the moment. Any advice will be appreciated, thanks.

    For the people who like to stereotype - I am not the type of person that wants to live off benefits, I enjoy working. I am studying to become a solicitor.

    NSNO
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder tedted Novitiate tedted's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    I am in
    Gateshead
    Posts
    22

    Question Unemployed, Overdrawn and mobile phone cut off...

    I am a part time student and I am unemployed, so am signing on. The for various reasons (outlined in my last thread) the jobcentre are not paying me, and they don't know exactly when they can pay me. As a result of this I have accrued some debt by spending money that I haven't got.

    I am overdrawn on my overdrafticon and am facing monthly charges, I am getting daily telephone callsicon from my bank asking for this to be rectified, which I cant do.

    My mobile phone has been cut off, and I owe three months for that - they have given me a week to pay, despite me saying that I don't have an income and am awaiting JSA.

    I also had a credit card and because I couldn't meet the minimum payments, the account was passed to a debt collectionicon agency. They seemed pretty understanding a month ago when I said I dont have an income - my girlfriend agrreed to pay a one off payment of 10.

    This will obviously to keep them at bay for long, so is there anyway to get these guys to stop charging me and wait until I have an income until I pay them? At the moment it seems as though everything I say is just being ignored. Any advice will be appreciated, thanks.

    NSNO
    Follows
    0
    Following
    0

  4. #4
    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: JSA is a joke...

    I work for JCP in the customer service side of the business, in the office that I work in te form is handed by the customer and it is placed in the courier post to be sent to te benefit centre.
    Once it hasleft the building either the same day as it was received or the following working day (dependingon the time of the day the form was handed in and the time that the courier is collected from the JCP) thee is no way of tracing that post.
    We frequently come accross cases I'm afraid where we know that information and post has been sent but the benefit centre deny that it has been received yet other post in the saqme envelope was received!
    If they are stating that they cannot locate the form all you will be able to do is to complete a duplicate form and at the same time you can write a letter of complaint requesting that consideration is given to repay any bank charges incurred are refunded. This will be considered once proof of charges are received but I cannot confirmif these cgarges would be reimbursed or not sorry as I am not a Decision Maker.


  5. #5
    Basic Account Holder DanscoCAB Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2012
    I am in
    North Yorkshire
    Posts
    83

    Default Re: Unemployed, Overdrawn and mobile phone cut off...

    I've not read your last thread but I suggest going to your local CAB or ring AdviceLine on 08444 111444. You need some help before you get buried.


  6. #6
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Gbarbm Highly informative Gbarbm Highly informative Gbarbm Highly informative Gbarbm Highly informative Gbarbm Highly informative Gbarbm Highly informative Gbarbm's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2011
    I am in
    deepest, darkest Cardiff
    Posts
    1,111

    Default Re: Unemployed, Overdrawn and mobile phone cut off...

    You could also ask jobcentre plus if you can apply for a loan from the social fund as you don't need to be in receipt of benefits to claim. You have to pay it back, but at least it will tide you over until you get sorted.


  7. #7
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    assisted blonde Highly informative assisted blonde Highly informative assisted blonde Highly informative assisted blonde Highly informative assisted blonde Highly informative assisted blonde Highly informative assisted blonde Highly informative assisted blonde's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2008
    I am in
    In the Country
    Posts
    2,164

    Default Re: JSA is a joke...

    If you are studying to be a solicitor I would be very careful about getting into debt as it can affect your job prospects, get a crisis loan if you are entitled to it, dont use your mobile get a cheap pay as you go.


  8. #8
    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: JSA is a joke...

    You can't get JSA3 online it has to either be collected in person from the JP or posted directly from DWP.


  9. #9
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
    Posts
    65,902

    Default Re: JSA is a joke...

    three threads merged

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
    Follows
    0
    Following
    0


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