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the tinkerman

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  1. So her lump sum from her works pension is classed as savings then n if it is above 6k she won't get any UC.
  2. Hi dx I was under the impression that she would have to declare her monthly regular payments as they are taxable, although doubt is she would pay any tax anyway on that as only going to be bout £450 per month, whereas her lump sump would not be taxable so she would not need to declare? Just going off what it states for ESA as follows: Your lump sum payment from your pension will not affect either your PIP or ESA. However, regular payments will affect your contribution-based ESA if they exceed £85 a week. If your gross pension payments exceed t
  3. Hi Was wondering if anyone could advise please, a friend of mine is due to finish work on ill health and as a result is going to get her occupational pension, she will be entitled to a 25% tax free lump sump followed by a further monthly payment, how would this effect her Universal Credit, would she have to declare both her 25% tax free lump sum and her monthly payment or is it just taxable income that she would have to declare. Tinks
  4. Hi Again Going off the second part of your answer, Could she pay her Mortgage off of about 16k with the Lump sum or would that be classed as running down her Capital/savings if she ever had to claim income based benefits.
  5. Hi I was wondering if anyone could advise for a freind of mine please, At the moment she is on New Style contribution ESA but she is due to take a lump sum of her Occ Pension about 26k in December, from my understanding of New Style contribution based ESA it is not means tested ie savings or imcome, but it also states: If you receive contribution-based ESA and have a gross pension income of more than £85 a week, the amount of benefit payable will be reduced by half of the excess. The excess is the difference between £85 and the actual pension income. For example, for a
  6. Hi Was wondering if anyone could answer this question for a friend of mine please, She was off work ill for 28 weeks so informed tax credits hence her WTC was stopped, but since she has now gone back to work and has been back approx 3 months but had to go off sick again, will she have to to inform tax credits again or not.
  7. Hi Can anyone please advised me on the subject of a Credit Card debt with a DCA, If they threaten to take you to court can they ask for the debt to be turned into a secured debt against your property as I am aware that they can successfully turn an unsecured loan into a secured loan against your property, so does the same rules apply to a Credit Card debt. Tinks
  8. What about the other loans I had with them that I paid in full and had ppi on them can I claim for them or will they try to off set them as well!
  9. Hi All I have an account with an outstanding balance still owing which is now status barred as it is 6 years since I last made a payment , I originally CCA the original solicitor for the bank whom stated they could not located the CCA so the account remained in dispute, about two years later they then sold it to a DCA to which I wrote to them stating that the account was still in dispute with the original solicitor for the bank as they could not locate my CCA and sent the DCA copies of the letters I'd sent to banks solicitor and their reply so I was a bit perplexed as to how th
  10. Hi Anyone any thought on the above please, if the worse come to the worse and I had to finish work on ill health grounds, could my wife work 16 h because I now get PIP to still get Family tax credit for the children or does the 16 h working rule only apply to myself, hence would my wife have to work 24 h per week for us to still get FTC. Tinks
  11. Hi Just a quick question at the moment I have had to reduce my working hours to 20 h a week due to my disability, my wife works 6 hours per week, now when I spoke to dwp they said that because I now received PIP that I could reduce my hours to 16 h per week and still get family tax credit but I said 20 h would be okay, My question being is if I had to finish work could my wife work 16 h because I get PIP to still get Family tax credit or does that only apply to myself, hence would she have to 24 h per week for us to still get FTC. Any clarification please.
  12. Got to take my meds now will be out of it shortly, I am sure I will be back on in a while once I have more info as to what my employer intends to do when I hopefully start back work, again thanks for your input. Tinks
  13. Thanks very much for the info you all have been very helpful, just a quick question at the moment I have reduced my hours to 20 h a week my wife works 6 hours per week, now when I spoke to dwp they said that because I now received PIP that I could reduce my hours to 16 h per week and still get family tax credit but I said 20 h would be okay, My question being is if I had to finish work could my wife work 16 h because I get PIP to still get Family tax credit or does that only apply to myself, hence would she have to 24 h per week for us to still get FTC. Tinks
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