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Found 24 results

  1. Reading the advice about non-priority debts and what you should offer those creditors... it says, You cannot split your surplus, between credit cards, and then pay a loan.. (basically).. however, what do you do in the case of a joint loan?
  2. When I purchased my house I used the services of a financial advisor who also sold me health insurance policy to cover the mortgage at that time. Recently on speaking to a colleague at work, she has the same cover for a quarter of the price I am currently paying. I feel like Ive been pressured by the FA to take out a policy that was far more expensive than I needed to be paying. Is it possible to get my premiums refunded for this, or do I have to forfeit them if I cancel it and move to a cheaper product? Feeling really let down by someone I thought was giving me sound advice.
  3. Hi, I received an email from my work coach asking me to attend a job fair on 20th of April 2016, I received this email at 4pm on the 19th but did not know of the email til today at 3pm giving me no time to attend. Should I be worried about sanctions as I think this is unfair as if it was so important why did they not phone me as I have given them permission to phone about important matters. I see my work coach tomorrow morning and would like some advice on what to say because I feel this is some kind of tricky tactic to apply a sanction or am I paranoid? Thanks
  4. Went to see an IFA today.. and recieved some information which, i think , conflicts with what i've read on here.. (might be me making the mistake). He has said, that debts owed, are not wiped from your credit file, until 6 years, after satisfaction.. ie: they stay there.. and if you want a mortgage or something, they would still be considered, even after the 6 years. My CC;s are on 4 years. and i will need to change my mortage in the short.mid term.
  5. I started claiming UC in December and was sanctioned for 91 days and today there is 51 days left to run on it, this morning I went to an appointment with an advisor and she immediately was very grouchy picking up my blue card and shouting 'who is this' I responded and she was snotty. Anyway she called me over and said 'Yorker job search isn't really up to scratch' I responded politely 'I know,sorry it's because I have been sanctioned it's minimises my job search, Iv had interviews Iv been I haven't been able to go to because I havnt hardly any money to support it' she never said anything while
  6. Hi. I had a medical last month with ATOS, and got a letter recently putting me in 'work related activity group' . I then got an appointment with the job centre which I went to last week. It was basically a woman talking what to me, with what sounded like jibberish for 10 minutes before handing me a paper leaflet called 'work programme' , it didn't really have a lot of information on it. Yesterday I got a phone call from another lady from a company called 'prospects' we were on the phone for about half an hour whilst she reeled off bizarre questions which had no relevance to my situ
  7. Hi all, wondering if some-one can advise on this. Last year after a catalogue of errors and muddles with my pay and holidays etc, something happened and I had a melt down on the phone to some-one in HR (sheers frustration at being fobbed off and not listened to). It took me by surprise..didn't realize stress had been building up, so I finished conversation saying something like..I'm going to see my doctor and if I am ill you (my employer- public sector) have made me ill. T hat was on the 29th July 2014. I did go and see my doctor on the 1st August, (mainly to let them know the s
  8. I am writing this on behalf of my partner who is exasperated with the actions of his Benefits Advisor and does not know what else to do. He has been signing on as seeking employment for nearly a year now and during this time there has been issues with the online Jobsearch which only logs particular jobs that he has applied for and others he has to log in the Activity History. When attending the jobcentre this is a constant issue as his Advisor is always unable to access his Application History or Activity History through her own machine and accuses him on failing to se
  9. Hello Everyone Please accept my apology if this post is a bit lengthy. I'm on Credits Only JSA as I'm working part-time Mon to Fri. Recently, my JSA advisor had sent me to Mandatory Work Activity(MWA) when she learnt I was having holidays from work. She did that although she knew I did not fit the MWA selection criteria. The advisor, despite my objection, just handed me the referral letter to the MWA and said if I don't do it my NI credits will be stopped. Due to her pressure I complied and went and did the MWA for 4 weeks. When I completed the MWA and on my first mee
  10. Hey again. I'm in my last few weeks at ingeus, sentence is due to end on the 12th September. I received a text on the 28th August asking if I would be interested in a job in a sterile production line, I replied yes. I got a text back saying "I am holding a session next week and will give you more details. What is your surname" I replied with "Thanks. My surname is: ****" text back from ingeus said ""Thanks I will contact you shortly" Well almost a week has now passed, I have another real interview for a different factory job tomorrow at the ingeus office they called me to tell me a
  11. Long/short story. Got a new advisor, and she was awful. Putting me down, being rude so I complained. She also tried to sanction me because she said she didn't think I was trying hard enough. I have dyslexia and struggle with writing. And she said me written job search wasn't good enough. I'm not sure if I will lose my money or not. Anyway - after complaining to the manager, the manager wanted to sit in on the meeting. She did. Well because I have removed access to my universal job match they are not making me email every day showing what I am doing. Are they allowed to do thi
  12. just a quick question really after my recent seetec appointments (which as always are a pain) anyway im on ESA and i am just wondering with regards to disability advisers in these places what happens if they don't have one as is the case with seetec at the moment because the previous left, do i still need to attend even with my agoraphobia and anxiety being made worse because of the fact i never know which adviser i will be seeing or whether they will give me random appointments just because they can and don't know im on ESA rather than JSA?
  13. Hi, I'm on JSA and currently attending the Work Programme at Ingeus. My question is about my JSA Agreement, I looked through the site yesterday and the replies to a similar question just confused me as there were so many different answers. My JSA Agreement states I have to apply for 2 jobs per week. Yesterday my Advisor at the WP told me I had to apply for 8 jobs per week (3 more per week than I have currently been applying for - I was told to apply for 5 per week when joining the WP). As I live in one of the areas of the highest unemployment in the UK; applying
  14. Hello The Specialist Advisor at the education centre I go to has been non existant in supporting me. A snooty email or two and an email survey is all I got this academic year. She is the only one supposed to help me because of my condition. Can I request that somebody else less qualified support me instead who doesn't specialize in my condition? And can I request that she has no further input in my support? And that my profile be removed from her care? I hope this makes enough sense it's late and I'm getting tired now A little advice would be appreciated, thanks.
  15. Hi guys, I hope you can help me. I signed on for the first time a few days ago. I should have really signed on, a long time, due to not having enough regular work, but i remember how the advisors at the job centre, take pride in intimidation and decided that i would rather be broke than have to deal with their insultive mannerisms. i arrive for my 1st meeting with Advisor 1. She looked like she was very board to see me, the feeling was mutual. After getting me to sign what i had agreed in my online application form, she gave me no copy, she walked m
  16. I was signing on every 2 weeks with advisor phonecalls also every 2 weeks. I went to sign on today and she said i was going to have to sign on weekly So not happy. I am on contributions based JSA which they are only going to pay me until October regardless of me finding a job or not. Feels like they are doing their best to wind people up!
  17. In 2008 my wife and I were told that we had to have PPI for our mortgage. At the time I was self employed and told that I needed Legal and General's Mortgage Payment Protection Insurance as well Mortgage Payment Insurance which both had an 8% interest rate. The advisor and company are now not trading - does this mean I have no claim?
  18. I am currently on JSA and my advisor appointments are done by the phone. I have a few issues with my advisor as she doesn't call regularly (ie: 2 week intervals) or at set times. And she keeps accusing me of making my phone unavailable - definitely not - i have no reason to avoid her. I also spent the last call on the phone for 40 minutes. Is that normal? it feels excessive - if i was in the job centre would i be kept talking for 40 minutes in this manner? Can I cut the call shorter next time? She is calling at some point in the next 2 days and i want a little more control of it.
  19. I have advisor appointments over the phone - only they are never at set times and the advisor never calls when we agree a time. I have stupidly not gotten the confirmation in writing so i can't make a complaint about it. Its causing me stress because: 1) the calls are not at regular intervals 2) i am caught off guard, one time she called when i told her i was away at a wedding that day - she called me when i was out and was quite cross with me. 3) today she was meant to call and hasn't 4) she claims my phone has been unavailable - even to the point she could not reach my voicemail
  20. So I'm with the work programme and have been taking temp work with agencies for a few weeks here and there over the last few months. I sign off JSA, then do a rapid reclaim so that DWP know the situation. I don't always tell my Ingeus Advisor and over the last week he has been demanding to know all the work info which I didn't think was relevant for him to know. After bombarding me with phone calls and answer messages, he phoned one of the agencies and they gave him details of all the temp work I had done. I would just like to know where I stand. How much information do I have to give to Ing
  21. my daughter is on jobseekers, she has a son who was 5yrs old last year, and as a result she was removed from income support onto jobseekers, no problem with that, she has to find work for 20 hrs per week, to fit around school times and within realistic travel time for same reason. She is now single through no fault of her own, she part time cares for me as well as being single mum, neiher of us have tried to claim any carers allowance after the fuss of my IB with Atos, its just not worth the stress if we can get by. She job searches online daily, attends the jobcentre to sign on, this is
  22. Hi my name is Gerry and Im trying to turn my Welfare Advice Skills into a self supporting business.My idea is simple enough to run a Wefare Rights Advice service that will pay me and anyone who works for me a wage.Its not for profit Im just sick of doing mundane jobs Im not suitable to want to use my skills in the field they were designed for.So my problem is where if anywhere can I approach to help me set up such a business.The plan would be to provide advice on benefits and preparation of benefit appeals giving the client who has no understanding of the system the best chance of sucess at ap
  23. Delightful experience at the job centre today. The advisor I was seeing today went through some terms in my jobseeker's agreement. She asked me if I'd applied to an agency like I was asked to back in February. I told her that I hadn't as the list of agencies I was provided with requested personal information, including account details, without offering any terms and conditions as to both why they needed this information or what kind of payment they would be taking for their services. She then told me that she would be raising a sanction doubt as I hadn't adhered to the terms of my agreement. I
  24. Dear friends I am writing on behalf of my daughter. My daughter suffers from severe mental issues and when under pressure she blacks out and is unable to remember who she is or anything at all about her past. We are forever trying to find her after she has had some sort of pressure and wandered off. She is also in a lot of physical pain from internal scars. On 20 July she had to attend an ESA Personal Advisor Interview She was told at the interview that she has a year in which to find a job. At least I think that is what she was told as straight after the inter
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