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  1. Sorry, I should have been a bit clearer. The self employment will be a taxi driver, so when I am not working i will not be earning, that's why I would like to bank some holiday pay. But that leads me on to a further question. Obviously not all the money I take is profit. Do I estimate expenses for the monthly figure, based upon pro-rata for things like insurance that I will be payng annually. and vehicle depreciation, loan interest etc? Thanks again
  2. How do holiday periods work when self-employed and claiming UC? I'm not yet self employed but I understand that when I am I will complete and income and expenditure statement for each period rather than my entitlement being based upon my current annual salary. What I would like to do is to put money asid for "holiday" pay and then declare that as income in the period I am off. While this seems sensible, I worrythat I may be breaking rules. or is there any way that the total entitlement is adjusted over a longer period based upon an average income? Any advice is much appreciated. George
  3. Hi I'm just looking for a bit of guidance and highlight to possible pittfalls please My situation is that my partner (the mother of our kids but not married) and I have seperated and I will be moving out of the family home in due course. For practical reasons, the children (10 and 12) will also be living with me. I have legal parental responsibility for both and have always been the main carer and had the child benefit paid to me. My ex will not be making any claim for benefits and will remain in the mortgaged family home which she is the sole owner of and solely named on the mortgage. I have no legal right nor liability in relation to this property nor do I wish to contest this. I have never claimed benefits, other than child benefit in the past. I am working but have checked the turn2us benefit calculator and it appears that I am entitled to some financial assistance in the form of Universal Credit. it looks like it's a bit of a "chicken and egg" situation though as i will have to move out with the children before making this claim, but I think I can just about manage the up-front expenses. I would be pretty snookered though if my benefit application was rejeceted after I had signed a tenancy agreement. My question is what should I expect in trems of attitude toward this unuasual situation when making such a cliam, that is a father leaving with the children rather than the mother? Also will it make any difference that my ex partner is financially indpendent in terms of still being able to afford to stay in the family home and cover the bills? The issue of child maintenance is not in dispute between us. Thanks for any advice GB
  4. Thanks again. No, I have not been contacted by anybody. I saw it on my credit file and just wondered what impact it would have, or if there is any known strategy to get it removed. The dates are a year out, does that make any difference?
  5. Thanks for the reply but I'm still a bit unclear. Do you mean that it will not affect future credit applications? Here is the info on my equifax report: 6 late payments September 2006 to February 2007. (Incidentally this is inaccurate by a year, the first missed payment was September 2007) It then shows a 'U' in a grey box representing 'not updated ' for every month upto September 2010 then nothing after that. It also states: 'Default / Deliquent balance £***.** 'Start date xx/05/2007 (Again inaccurate) 'Date last deliquent' BLANK 'Default date' BLANK 'Date updated ' XX/08/2010 So what will this likely mean to potential future creditors? Will the six missed payments be visible to creditors? bearing in mind that they are now over six years ago. Thanks again George (Please do not make moral judgments, I would not about you and my circumstances are quite unique, and very personal)
  6. Hi, I have found some info on this question but can't really find a definitive answer. My situation is this:- I have a delinquent account showing on my credit file (both Equifax and Experian) from a Halifax personal unsecured loan I took out in 2007. I am reasonably satisfied that this loan is now statute barred as I have had no contact with them since late 2007. (I have not made any payments or acknowledged the debt since that time). However Halifax did have never registered a default with the CRAs and the account is showing as delinquent with the last update being August 2010. Both Experian and Equifax tell me that this will remain on my file until six years after they eventually decide to serve a default notice. I know that there is some vague guidance to lenders from the ICO regarding when defaults should be registered, but I wonder how much weight this carries. I would obviously like any default backdated to a reasonable date. If anyone has successfully challenged this sort of situation I would be grateful for your advice or possibly the letters used. Thanks George (Please do not make moral judgments, I would not about you and my circumstances are quite unique, and very personal)
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