Showing results for tags 'moving'.
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Hey all So I moved into a property on 29 July 2015 I payed £675 deposit and £675 one months rent advance We’ve just been excepted for social housing so have now given notice on this private property. As it’s 4 weeks notice from today this gives me until the 11/03/19 The question is about what is left to pay, am I right in thinking as it’s payed in advance that the £675 I payed on 31st January covers February’s rent until the 28th So I only have to pay the 11 days of March rent as I’ve already payed February’s Or Do I still have to pay February’s rent plus the 11 days of March -
Hi all, 1) With my last claim for JSA you didn'tt have to allow the DWP access to a UJM account. Is this still the case? 2) Does UC also replace HB? 3) Overall is the net money lower with UC (I'm guessing so). Thanks all, JB
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Hello all, I'm in the process of renting a flat through an established letting agent and they are taking a long time to send the tenancy agreement. I have signed a contact with the agency and made the initial payment for the first months rent 15 days ago, and should be moving in soon. Whats the course of action to take to ensure i get something in writing asap, as txt messages and phone calls do not work, it's always "will be with you soon". -
I have been on the waiting list for a hip replacement for 6 months now and have been told it could be another 5 or so months wait. My problem is I have sold my house and am moving out of the area. When i register with my new GP will they try and put me on the list at the nearest hospital (the bottom of the list) or keep me on the one I am on. i have looked on the NHS choices website but there is no information about this ,only that I can choose hospitals.
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Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel insurance at the flat as I won't be living there and can't transfer the insurance to my new property. However, they are still wanting to charge me an £35 early cancellation fee. Surely this isn't right, as they can no longer legally provide a service to me? Are they [causing problems] people like me out of £35? Many thanks in advance! -
I have recently (well still in the process of assessment) had to go on Universal Credit due to moving into an area where they have rolled it out in the past two months. I was on Income related ESA in the support group and was told when reporting my change of address that I would have to claim the new benefit. As mentioned I am still in the 4 weeks and 1 week assessment phase. The property I have moved into is incredibly small and it is affecting my condition due to feeling claustrophobic, consequently I am considering moving house again out of the area to another region where UC isn’t even running yet. Can anyone advise as to what happens if on UC and you wish to move please!. Even though I have only lived there 4 weeks my HA will require a months notice but the prospective HA will require rent payment at sign up. There is no mention of a benefit overlap of 4 weeks anywhere on UC (unlike the old Housing benefit system which had this four week overlap provision, were in effect both councils pay rent for up to a month). Can anyone advise on this housing issue please?. As a side note, I had a similar problem with the currently flat, I signed for it an the 10th July and obviously couldn’t move on viewing it, I moved in on 24th July and immediately claimed UC (no other option) the UC said they wouldn’t be paying rent from the sign up date only from UC claim commencement date. No mention of a benefit overlap what so ever, has anyone encountered this and got somewhere with them as I’m hitting brick walls
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Just a quickie folks - am moving back to the UK from Portugal after 9 years away can I check my credit file as per my old address to see what has be recorded against me since I left Nothing major left behind just 5 small debts for utilities and credit accounts etc also a council tax bill for about £430 on a liability order which Im sure will bite me on the ass after return:oops: How should I play my return? Advice appreciated:-) Paul -
I will do my best to ask my question without making it too complicated. I have 14 separate diagnosis. I live currently in the home I raised my children in, which was recently transferred from the council to a housing association. All my children have left home. I have carers coming in to help with personal care and domestic tasks and taking me out into the community, i.e. shopping, coffee out, for 7 hrs per week, the remainder of the time I am at home, in doors and extremely lonely. It is having a real impact on some of my diagnosis. I have a friend that is returning from outside the UK after 14 years and they are hoping to return to their home town in Yorkshire. I live in the south east and I would like to be able to share a 2 bedroom flat or house with him in Yorkshire for companionship. There is no relationship other than friends between myself and this person who happens to be male. We have known each other for 33 years. At home I feel as if I am just waiting for the inevitable....I have social services involvement but what I want to know is this....Is it possible to move to Yorkshire and move in with a friend that would for my benefit reduce the amount of care I would require, reduce and potentially stop some conditions from occurring and have a normal happy life as much as possible, without being accused as him being my partner? Thanks -
Hi, I am moving to Spain next year but I have around £18k worth of old loans/credit cards which the creditors keep pursuing with letters and phone calls, these debts are around 15 years old and have been pasted from one tinpot company to another. My question is when I go and not bother telling these companies will they chase me? I also plan on taking out some store cards now for various things I will need when I move and making the monthly payments and then just stop when I go.
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I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly direct debit ? I have read so many posts regarding their incorrect bills. I am going to call them today and send a SAR request and start the process from there. It is so unnecessary that we have to do this as when we pay every month and trust them to send correct bills. -
Hi All, I'm looking for some advice regarding my debts because frankly I'm an idiot and don't know where else to turn. My situation is so: I have £10k or so left on an unsecured Natwest Loan which I originally took out back in 2015 but have rescheduled a few times, I'm pretty sure it's supposed to run for at least another 4 years at around £300 a month. I also have £1900 on a 0% credit card which doesn't run out till September 2019. I will however pay £300 or so off this next month. I also have phone and tablet contracts which run to about £960. I move to Canada at the end of August to start a doctorate, they are giving me enough scholarships to cover my fees and have about £10k afterwards. I'm intending to look for a part time job over there and can work up to 20 hours a week during term or any amount of hours during the summer. I originally was in a job where I earned £26k pre-tax so going from that to £10k even living as a student will make it impossible to cover my debts. I want to find some way of paying my debts off and definitely want to avoid bankruptcy, an IVA or anything of the like as if I wanted to stay in Canada the immigration authorities would, from what I understand, take a very dim view of it. I've spoken to a debt charity who have said they probably could help but are only willing to speak to me properly after I've finished my job on the 20th of July. I would like to try and sort something out before then so I can stop worrying and beating myself about my idiotic credit habits! It'll also the last thing I need when added to the stress of having somewhere to live in Canada etc...etc... Many thanks in advance for any advice anyone can give me -
We received a letter from Npower recently, included was a "final" bill, saying we were £347 in credit. I have no idea why they have sent this now, considering we moved out of the propery 5 years ago ! I have also now received a cheque for the amount owed. Should i complain, do i have grounds for claiming for lost interest or any other reason. I remember they completely messed up our billing for about a year before we moved out, however i thought it had all been settled. -
My partner had been on ESA and PIP for a little over a year now and has just been offered the opportunity to become self employed. This would allow him to return to work in a way that he would be able to manage with his illness and we are both very keen to try and get this off the ground. He would be forming his own company rather than being a self-employed contractor so money obviously wont start coming in right away. My understanding is that PIP is unaffected by either working or self-employment, is that correct? If so its only ESA to worry about, obviously his ESA stops because he is going to be able to work (I am assuming this all goes well of course) So what do we do? Do we talk to ESA and tell them the plan, and what we hope will happen with regards to the business taking off and becoming profitable? I assume at that point he would lose his benefit? But that's a lot of money to us and if we lose it before he starts bringing money in we might have a problem. He wont be doing many hours and obviously wont make a lot of money to start with but my earnings take us over the tax credits threshold so there wouldn't be anything else we could claim. I guess what I want to know is what the steps are to coming off ESA to become self-employed and when we take each step.
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I have been on income related ESA in the Support Group for about 4 years now. All the time I have been on ESA I have lived with family members and recieved no other benefits such as housing benefit etc. At some point over the next month or so I will be moving in with a partner. My partner earns over the threshold I will lose all benefits once I move in with them. The house my partner has bought earlier this year is currently being renovated and due to my ill health I cannot move in until the work is complete which will hopefully be soon but I have no definate date. As far as I know I need to inform the DWP of my change in circumstances within 30 days of moving in with my partner is this correct? In addition I don't know what to expect when I tell them of my new situation when it happens. Will it trigger a new WCA for example. Do I just need to fill out a form about my change in circumstance or will they investigate i.e. come round to see if I am living in the new house? I am hoping it shouldn't really be an issue as my change or circumstances will mean I am no longer getting any benefits paid except my stamp as opposed to me asking for more money? Could anyone advise me on what to expect?
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Hi there, My mother currently lives in North Wales, she suffers from ill health (heart problems that are degenerative, and long term) she has a pace maker, and currently receives PIP and is entitled to ESA but has a part time job of 18 hours a week, and a partner in full time work. Her partner is useless. She spends all week in her caravan (closer to work) because he wont travel 20 minutes to drop her off or pick he up, the caravan she is in at the moment is suffering from damp and mould (this is not her caravan, its a rental, she has her own on another site but the season is over until March now) so it's not good for her. She works at a care home, it's not much in the way of manual labour like most though, as it's a care home for recovering addicts and most are just homeless and appreciative of somewhere to stay for a bit. But with the stress of her partner, and her health getting a bit worse, she wants to move back around family. She can stay at her aunts for a few months, as she is out of the country, which will be of use as she tries to set herself up but will then need her own home. Both me and my sister have no room, other than sleeping on the sofa, so she will need to find a home near us. She has signed up for local housing agencies, ideally to get somewhere close, and not one of the rougher areas that are further away. IF she moved here, what would she be able to get, immediately? would she be able to apply for ESA? (and hopefully get a 16 hour job for a year until she was comfortable to move the hours up) as I know they can be funny about moving to a new area and starting anew claim immediately, but she is moving for health and family support. With PIP until 2018, would housing benefit be a guarantee? again, just until she can get on her feet and extend her working hours? Will her owning a caravan have a large effect on her? the caravan is not worth much, maybe £1000 at the most. They bought it (its in her name only now) for £2000 3 years ago. It's on a site that does not allow the vans to be rented for income, so no holidays are taken in it. It's purely for her to get away when she can as being there is a great calming factor for her. But with it being a 9 month season, she has 13 weeks a year where she has upheaval. Using it as a place for a break 3-4 times a year will be better for her. The site fees are paid up for the year, so she has no bills there til 2018. It cant be sold unless its taken off site, which will cost enough that the sale would be for a neglible amount anyway. She really wants to keep it, as it's a place where she can go (occasionally with grandkids, but mostly on her own) to just have a break by the sea. But she does realise that once site fees become due at the end of next year, for 2018, she will likely have to give it up. Also, if she did move here and was requiring a place to stay for 2-3 weeks, whilst her home was sorted. How would that effect people in my household. My wife currently gets PIP, can 2 people in the same household claim PIP? or it 1 per household. Thanks for any help!
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Debt write off or IVA?
digger279 posted a topic in Debt Advice: – Debt management and Debt self-help
Hi, I am looking for advice please. At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis. Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA. I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement. I have a mortgage and a 2nd charge both on an interest only basis if I were to sell then there wouldn't be a great deal of equity left. At current property prices I would be lucky to come away with £8k which wouldn't make much of a dent in my credit card debt. This would leave me penniless as I have no savings and no personal life insurance. I had planned to pay off the mortgage by cashing in my stocks and shares but the banking crisis wiped these out and what was left was sold to service my credit card payments following me losing my job on top of everything else. I would like to sell up and go live in Spain where property rentals are very reasonable and I could manage quite well on my works pension and state pension. I am not one to shirk my responsibilities and would try to continue paying off what I can but I don't want to start afresh with absolutely nothing. If possible I would like to keep a £4k cushion out of the sale proceeds of my house for contingencies such as funeral costs as I can't expect my siblings to pay for this and I have no other family. Most of my debt has been sold to the likes of Arrow Global , Cabot etc. I reckon they only paid a small percentage for taking on the risk. Is there any point in me appealing to their better nature and asking them to write off my debts or should I go down the route of an IVA? If I go for an IVA can I sell my house during it and then go live in Spain and just continue with the payments or would it be best to sell now and then go for an IVA. Sorry for the lengthy dialogue but as I don't have much of a lifespan left I would like to spend it relatively at peace. -
Hi All, We are moving home at the end of next week and have begun the process of transferring utilities etc.. We have been customers of NPower for some 8 years and have always had a credit meter for both gas & electric which have been paid via monthly DD. Today we phoned NPower to notify them that we were moving and that we wished to remain customers of theirs. The property we have purchased is already supplied by NPower and presently has credit meters fitted so we expected no issues. NPower ran a credit check and have informed us that our only options are: a) Have prepayment meters fitted. b) Place a security deposit of £200 per fuel to be held for 12mths and continue to pay by direct debit. Admittedly our credit files are not squeaky clean (though clean enough to obtain a mortgage) but we do not see why after 8 years of customer loyalty we should have to either have prepayment meters fitted or pay a substantial security deposit. Although we could switch providers, we are concerned that the whole industry credit checks and we would essentially find ourselves in the same position. We are concerned that time is ticking fast as we are due to move into our new home next Friday, so we may not have time to sort prior to our move date, which raises another question.... This may sound stupid but we are first time buyers so please bear with us... the property we are moving into has working electricity and gas obviously not looking to defraud but is it the case that electricity/gas cannot be used until a provider is sorted? Any help/advice is greatly received. -
Hi, I recently moved out of a room I was renting in a shared flat. I gave what I thought was supposed to be one months notice about a week before my contract ended. After giving my notice my landlord informed me that it was supposed to be two months notice and I would have to pay rent until they found a replacement tenant for the second moth. I then told the landlord that I would stay for the two months. He said that I can't stay two months as he wouldn't be able to find a new tenant that close to Christmas. After I emailed him telling I would be staying for the months if there's a chance I would have to pay for it anyway he replied saying I was messing him around and I should move out immediately. After this I phoned him and we agreed that I would move out in two weeks. It has now been 10 days since I moved out. I have emailed him several times about my deposit and still haven't had any reply. Where do I stand with this? My contract does say that I should give two months notice but then he said I couldn't live there for the two months and to move out immediately. Is it worth using the ADR of the deposit protection scheme or should I just accept that I won't get my full deposit back? Thanks. -
Well, generally I am a supporter of sky, BUT alongside the £1 increase in line rental (heck they all are) sky are removing the included calls effectively reducing the worth of the package in addition to raising its cost. Now as if the double whammy there wasn't bad enough they are 'automatically' moving people on to an additionally charged calls package - as that gives the nearest call package to the free included ones you had. How are they notifying folk of this - buried in the detail of what superficially looks like just another rubbish mail shot. and to add further insult to injury, the link in the letter to tell them to get some sage, onion and breadcrumbs and apply ... doesn't work. AND of course the phone line are all blocked up with folk telling them to pull their sphincter over their head and whistle dixie. Surely automatically moving folk onto a charged add-on package is illegal - its certainly immoral. Ah well, positive side is many can use the changes to walk away from your contract with them and take up someone elses. Darned disgraceful. -
Hi, I have been a Virgin Media customer since February 2011 when I moved into my current address. I have made occasional changes to my package (e.g. added Sky Sports in May) but other than that my services have remained unchanged - TV, phone & broadband. I am moving house tomorrow and have just phoned them to ask how to go about transferring my services over and was told they (probably) can't service the new address and I will be subject to a £190 termination fee as I have 6 months remaining on my "contract". As far as I'm aware, I haven't signed or agreed to any new contract in the 4.5 years I've been with them. I did receive an email in May after adding Sky Sports thanking me for "agreeing my new contract with them". I then received an "update" email confirming the changes I had made to my package - the wording used in this email was "changes to your package", not new contract. So I am confused. I wasn't aware I even had a new contract, since all I did was add some channels. And surely it isn't my problem if they can't supply the new property with their services? Any advice would be much appreciated. I am being absolutely robbed in letting agents' fees and cannot afford an extra £200 for nothing!! Thanks, Anna -
i have a contract with a broadband provider for 8 more months. its 18.40/month, i've moved and they want me to pay £100.00+ moving fee and wait 27 days to connect it at my new address. the contract is for supply of broadband/phone so can i cancel it based on the fact that they have broken the contract ? and cancel all further payments? -
Hi I left the UK in 2012, paid off most debts but still had a couple outstanding.. I popped home in Nov 2015, opened some of my post and found a couple of CCJ court letters. I can't remember what they said but they were from the court, issuing proceedings. They were dated 2014. I am returning to the UK long term soon. I will be unemployed to start with as I need medical care. What should I do with the CCJS? Ignore or face them? Is it worth declaring myself bankrupt? Cheers PPP
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Ok this is one that affects me directly so guidance is needed. I work for a large retailer and as part of my job they can change my shifts / hours to "suit the needs of the company". Because of this my shifts have been changed on 3 occasions causing major upheaval and stress within the family as we try to juggle time. I originally started on days then was moved to nights then twilight then back to nights all to suit the needs of the company. However now they have decided that they are changing the way replenishment is done ( Not my roll ) however this means the closure of the night shift which I am on ( Not through choice ). I have been reliably informed that the roll I am doing is not being made redundant but is being moved to an earlier twilight shift which I am happy to move to. But now I am being told that as the roll is moving to twilight I will have to re apply for my own job ( To make it fair to others? ) what about fairness to me? A job I have done for 8 years I think they are doing this in order to force redundancies of over staff and possibly as a way to change my contract to remove my Sunday premium which makes up my wage. My argument against having to re apply is that the company have used the " needs of the business" speal to change my shifts on 3 previous occasions and I was never required to re apply but now they want to change the goal posts to push though their agenda which could ultimatum lead to my redundancy cos as a union rep I am sure I would be in the firing line as the new CEO Is anti union. I am getting ready to address the current situation through the consultation process but would like some guidance on recourse, questions to support my current concerns and ultimately highlight any areas to take further should the worse scenario play out. At 50 I know if I end up out of work I will probably never work again. I have worked almost continually since leaving school.and cant see myself unemployed. Advice please. Cheers Bill
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Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment for ESA and I have some questions. Firstly does anyone know how likely it is that after 4 years in the support group it will be that they can remove the benefit from me? My condition can in some cases improve but in my case it has not and I still attend the hospital regularly 2 or 3 times a year and I am awaiting a further referral. Surely it would be very difficult for the dwp to remove me from a benefit they previously agreed I was entitled to? Also if I am called to a face to face assessment I will not be able to take anyone with me I don't think which I have done in the past, I will be able to get a lift to and from the centre but nobody is free in the day anymore to come in with me. Will not having a companion at the wca be bad for my claim? My last question is on the new esa50 the say not to send any appointment letters. I feel I should send them copies of my appointment letters as it lets them see that I am still being seen regularly by the hospital and have been for some time. I don't have any reports to send and feel it is important to send something. What should I do?
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Hello and greetings to all at CAG, I moved eight doors down the same road (upsizing) and Hastings have upped my annual premium by £131.82. When I queried this I was told that the underwriter (Advantage) take into consideration additional risk factors, such as flood risk, proximity to main roads, crime levels etc, hence the increase. I consider this increase to be out of proportion because there is no difference risk-wise to the part of the road I previously parked in. The only difference is, in fact, one letter at the end of my postcode. I feel I have been stung by some generalised, presumably out-of-thin-air statistic generating at the hands of Advantage/Hastings Direct. My partner's car insurance premium (Aviva) did not increase at all so where does the 'increased risk statistics' come from exactly? I refute the increase entirely and don't see why I should be penalised for moving 62 yards, same side of the road, from xxxx 2AW to xxxx 2AN. I have written several emails to Hastings Direct and have escalated my query to a complaint; which has decidedly fallen of deaf ears because I received the same, generalised reply regarding risk-factors. Short of demanding a Hastings rep come to my road to see there is no difference re: risk between location of house A to location of house B, I've hit a brick wall. If anyone could tell me what else I could try I would be super grateful.
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