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  1. Fascinatingly complex scenario when you make an effort. After being made unemployed in July I have been trying to do bits and bobs with casual work for three employers whilst I look after my ill mum and look for a more permanent position. I get a nice tax rebate with a pay packet of just one weeks work for one of the employers and therefore do not get any Universal Credit for October because the pay plus the rebate takes me over the threshold of income for that month because the DWP takes tax rebates as pay. Fair enough but they then go and tell my council that my Universal Credit claim has been cancelled so I have to go through all the rigmarole of sending pay slips, hours worked, bank balances and the like to the council re council tax benefit and the council interestingly "do not" class tax rebates as income or pay! Regardless having more than one employer on a casual basis is a nightmare with the council who don't seem to know how to handle it and I may well have full whack council tax one month and then have to reapply monthly depending on wage which is always low anyway! So I have now had to email UC to see if I need to reclaim because I might not earn anything from the three employers this month although another nice little confusion arrived in the form of a small pay check from one employer with yet another healthy tax rebate,,,, two in one month from different employers?!?!?! Transpires that rebate earlier this month may be an error but I won't find out until the end of the tax year when I might, or might not have to pay it back!!! Either work full time or not at all seems to be the easiest way to avoid mega confusion on all counts as three mini employers is a logistical nightmare!!
  2. So I've seen numerous posts about Harlands and the problems people have had with them. This one may be more on me though. I went to my gym's (Simply Gym) website to see how to initiate cancellation and it simply said to cancel the direct debit with my bank. I did this, then a week later (28th February 2017) I received a letter from Harlands saying that I owe them £14.99 plus £25.00 admin charge. I then proceeded to look up my membership and it turns out that I am on a 12 month contract and the website states that they will expect every payment in this membership. I should say that the reason I cancelled was due to being a student and wanting to save a bit extra money each month. As I say, I understand that in this instance I may have breached T's & C's so if I have to restart the DD to continue the monthly payments, I would understand but I'm obviously hesitant to pay the £25 charge. Any advice would be greatly appreciated.
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