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Found 148 results

  1. If you have had a success against any of the PPC's then post a link to your thread here.
  2. I am struggling with the local letting agencies, I am disabled and I do not wish to divulge this fact to the letting agency, this is my own personal right and I shouldn't have to let this fact be known to anyone should I so chose but I am facing discrimination and other problems due to their policies. I already know that I will fail a credit and employment check, but I have through some luck managed to borrow enough money to pay for an entire six months tenancy, including letting agency fees and the landlords deposit in advance, this means they will be at zero financial risk. I am polite and approachable, I have good character references and landlord references. However, the excuses have started, I am being told things like, couldn't I go to a different agency? This isn't the way we usually like to do things and even excuses like, I've heard that we could be taken to court for doing this kind of thing, at this stage I have simply made some inquiry's and been well mannered but they are already refusing to correspond with me by e-mail. These agencies are literally creating our country's homeless problem, deciding who they chose to rent too and who gets to have to ruff it in a sleeping bag in a shop doorway, they should be held accountable and I should have legal rights, I need to know what those rights are. I realize I can file complaints and disputes and even take court action however these are lengthy procedures and I need to find somewhere to live now and I am facing homelessness yet again. Do I have any legal rights here? What reasons do they have to decline me? Don't I have rights as a consumer? Please Help.
  3. My OH has a repayment plan with this lot and continues to get reduced offer request letters on a monthly basis. a recent payment was missed due to a banking error she received an e-mail (they do not have our phone details as refused this in writing) from 1st Credit advising and that she was to contact them to reset payment plan. She made an on-line payment and sent an e-mail advising this and that all will be in order going forward. Today she has received another e-mail confirming that arrangement as been reset and she will receive a letter to confirm this. They are now also requesting a financial statement, proof of income, payslips to support the repayment offer. Now my questions are, is she obliged to do this or is there a template letter to respond to their request ? Should she also be requesting, CCA details, a notice of assignment details and copy of statements to check that payments are being deducted from the outstanding balance ? If so in which order ? It now transpires that the card was originally opened in 1991 transferred to another in 1995 then to the current account number in 1996. The account was then defaulted in March 2006 due to financial issues. Thank you
  4. 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
  5. So due to the news that has came out about the DWP underpaying claimants it looks I have been identified as one of these people and got a letter last week from the DWP. This letter required me to fill in a ESA3 form, and I have as a result of that information had to send in bank statements for the entire 4 years identified but I was told over the phone if I Cannot do for the full 4 years just to send what I can, since I feel they only need to see from the point I got my DLA lump sum, I sent from the few weeks before that to the end of the period so from 2014 to 2016, but the period covered is from 2012 to 2016. I have looked here at some information. https://www.gov.uk/disability-premiums-income-support/what-youll-get and https://www.gov.uk/disability-premiums-income-support/eligibility From 2012 to 2016 I got no disability premiums at all and I was in the SG on contribution based ESA. I had no other income and savings below £6000 It looks like they are preparing to qualify me for backdated IR topups, which would add enhanced disability premium, for most of the 4 years, I think there would be a few weeks where I wouldnt qualify because I got a backdated DLA award which took me over £6000 for a few weeks. However there is also a normal disability premium, the qualifying criteria is stated as getting some form of DLA and not been on IR ESA. This is where my questions are focused. So 1 - If I was backdated DLA for a period of 2 years, am I counted as been on DLA for those 2 years? or just from the date I was given the backdated lumpsum? 2 - If I am counted as been on CB ESA but with IR ESA topups, how does that work for the normal disability premium, when it states not been on IR ESA I am assuming it means you must be on CB esa, which I was, but its confusing as it might mean if you on CB ESA with a IR topup you still dont qualify. I want to know as it may mean I am owed more money than originally seemed, obviously I appreciate any advice on this matter.
  6. Apologies if this is the wrong area. I'm having difficulties with my mobile phone provider. I was on one of the major operators and have moved to another provider because they told me they piggyback onto that provider so the service would be the same and can save me some money as a new customer. The problem is its really shoddy and now the company I've moved to wont let me out of the agreement without paying up until the end of the agreement. Every time I complain about the service and say its not as good as it was when I was with the main provider they come up with the new excuse and say their service is the same as the main provider because they piggyback on them. We go round and round in circles. I called consumer direct and they said I need to build a case by gathering evidence of the differences in the two services. Saying it and providing it is proving difficult. My question is ; what technical questions can I ask the piggyback provider about their service? I plan to then go to the main provider and ask the same questions so I will have comparative answers to then go back to the piggy back service and show them the differences at a technical level why the service must be different.
  7. My husband passed away about 2mnts ago trying hard to deal with this. He had a rbs credit card with less than 2 k outstanding ive had an assets and liability form to fill wanting to know if he had any vehicles owned his own home life assurance jewelry ect and the value of each it also asked how much I paid for the funeral ect and requests for copy's of bank statements funeral bill and all other outstanding loans or credit card debt im finding this a bit intrusive do I really need to tell them and prove how much I paid for his funeral ect thanks
  8. Hi Guys, Firstly, great site and specifically great advice within the MoneyBarn section. I currently have a 60 month agreement with them on a 2012 Insignia. I have been given the option to have a company car and intend to accept this. However it leaves me with the issue of getting out of the Moneybarn finance agreement. I have spoken to them today and they have informed me that I have two options; - Early Settlement - £6,720.09 to pay and I'll own the car - Voluntary Termination - £2,237.20 to pay + any extra's them deem to be outside of general W&T etc. Having read through a few threads on here I understand they cannot charge certain things, however my issue is surrounding the following; - V5 Document (Never received it) - Service Records As highlighted above, I have never received the V5, however I can send off for a replacement at a cost of £25 which I assume is less than what they will charge but will take 2-3 weeks I imagine? Can anyone clarify this? Service Records, I have not had the card serviced by a garage since I have owned it. I have replaced oil and filters etc myself. I assume this will incur and additional fee as there is nothing recorded within the Service book. Can they actually charge me for this? Finally, the car requires replacement rear discs and pads, would it be wise to get these replaced now as they are noticeably fading in performance. I can get these done at a cost of £160.00, however I assume the cost from Moneybarn or their agents will be much more? Basically i am asking if the above specified points can be charged by Moneybarn? Or if these are the points that many people on the site are saying are not enforceable. Look forward to hearing back, thanks in advance.
  9. Hi, I have loads of questions about employment tribunals as I am representing myself in one for discrimination. Can anyone help with my first (and certainly not last) question? If I represent myself, am I obliged to be cross-examined by the respondent? If not, what are the pros and cons?
  10. My husband passed away a few week ago not done anything financial except cancel a few direct debits His yearly pension forecast came today so I phoned them they asked who I banked with they then offered to inform the Halifax on my behalf as they were part of the same company (I said no) The Halifax account is a joint account I am the Main Account holder Will they freeze /close the account when i inform them this is my main account ? My husband has 2 halifax credit cards both up to date with payment dont want to stop payment incase they take the money i have in the bank (offset) can they do this ? Can they offset the credit card debt against his pension ? Thanks for reading any gidance would be helpfull
  11. Hi, Just a couple of questions regarding capability hearings, as currently employer has implemented a stage 1 meeting. 1, They have to give two working days notice, when does it start? For example, I receive a letter on Saturday which was dated on the Friday for a meeting on Tuesday, is that right, if 2 working days surely the meeting would be Wednesday at the earliest or is it not full working days? 2, If signed off during week where meeting is can employer demand you attend the meeting? Thanks.
  12. Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year. As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from. I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint" Now all I have done is check to see if I had PPI, I haven't made an actual complaint yet. Is this text just what they send out when they are checking if you even had PPI or does it look like they have found PPI on my old account and have auto opened a complaint? Also I have heard that Banks may phone you up to ask you questions about your claim. I have Dyspraxia and would feel more comfortable being able to read questions carefully and think about my answers and put them in writing. Would I be within my rights to request any questions be put in writing?
  13. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  14. Hello Just a few questions please if somebody is able to help. 1. What are the rules around Income? is there a maximum amount of income that if you are earning you cannot claim Universal Credit? 2. what does subject to immigration control mean? how or who do i check that with? can someone please explain "habitual residence" and "right to reside" in basic english 3. what happens to benefits like esa or housing benefit or tax credits when i claim universal credit? do they stop as soon as i make the claim or am i sent a letter telling me when they will stop and they continue until i get my first universal credit payment? 4. what happens if i am claiming esa and dwp stop it and i have to claim universal credit as i have no other income but i still want to appeal the esa decision? if the esa decision is given in my favour would i then go off universal credit and back onto my old benefits? would appreciate help with these from someone in the know - thank you so much
  15. hello all - need a bit of advice before proceeding This might seem more complex than it actually is, so please bear with me. after a long haul, I have had my PPI complaint upheld by the RBS. So far, so good. They have made me an offer and then gone on to explain that I won't be getting some of it due to a succesful claim made against the PPI. Then it gets a little complicated. I have all my DSAR documentation, and have been going through it prior and post claim. The copy statments show insurance amounts hitting the account to cover the loan payments, but they are sporadic and do not make sense - eg. there are 9 insurance payments being credited to the account on the same day? And I distinctly remember prior to these payments trying to make a claim on the insurance due to redundancy but the claim was delayed and not upheld. I never received any notification from the bank or the insurance company that succesful payments were being made and the account went into arrears, being passed round various DCA's before being sent to CMS telford Theirs and my offer calculations are nearly the same. What is confusing me is that they have sent me copy statements going back to when I opened the account in 1995, listing every detail and transaction etc. but then the statments stop in 2010. The account has been in dispute since 2008 and has been statute barred since 2014. My questions are as follows: how do I find out if the account is still active? there has been no activity on the account for at least 9 years and I have had no "you owe us" letters for about 7 years are CMS a part of the bank or a DCA? I presume that any amount I receive will be offset against the statute barred debt? when I cca'd and DSAR'd the bank they could provide no evidence of any credit agreement existing between us I think i've explained it pretty much, so any comments/suggestions/questions are welcome
  16. There is an interesting article in The Times Business section today about a possible debt bubble within the Debt Collection Agencies. Seems ironic! Search, using your favourite search engine, - The Times with "Questions are growing about a possible bubble in the debt industry" It claims financial experts are worried about the expansion of the debt purchasing industry is creating a bubble that will soon burst. They say that most of these 'toxic' debts have scant paperwork; time barred or belong to the poorest sections of our society. Therefore, they will find realising these potential assets will not work. That is they will have difficulty getting the money. Since these DCAs have borrowed heavily to purchase their port folios they will soon run into financial trouble. It goes on to say that these companies have become more aggressive ( and in a lot of cases illegal) in their activities to collect on these debts. They list some of the complaints inc. spitting in envelopes sent out to people. Yuck! Cabot, Lidorff, Intrum, Arrow, Hoist, Lowell are amongst some of the names mentioned as having unstable business models. Hedge fund managers are worried a lot of these companies will go bust. I wonder what will happen to all the debts purchased? sidley
  17. Hello, I wondered if any other poster on the Barclaycard forum has been able to obtain copies of their original application form and statements dated before 1996 using the DSAR method? Did you have to take as it as far as small claims court or the ICO to get the info? Also, does anyone know if Barclaycard used a shorter 9 digit account number in the early 1980's before they extended it to 16 digits? Thanks very much to anyone who can help
  18. I bought a sink from an online retailer who told me that it would be delivered direct from the manufacturer, not a problem. The sink was received on the 17th May was opened and checked on the 18th. On close inspection there were scratches on it that would have noticed so emailed the retailer on the 18th May to reject it as damaged. 19th may they asked whether I wanted a refund or replacement - in the middle of a kitchen fit so had to but a replacement locally - said I wanted a refund. 20th May - images of damage requested. These were sent and acknowledged on the 22nd May. 23rd May told by retailer that the manufacturer were going to collect and would contact me in next few days. 29th May - I contacted the retailer to inform that no one had contacted me. 31st May - retailer confirms that the manufacturer are chasing the courier re collection 2nd June - I contacted retailer with the following - This is getting ridiculous now. It is over a week since you told me that Rangemaster were going to arrange collection. This is something that should take a couple of days at most. As the retailer my contract is with you so, not Rangemaster (the fact it was delivered direct is irrelevant) so can you arrange collection forthwith. I will give you a further 3 working days (until 7th June) to do this or I will look to take this further. 5th June - email from retailer to say that they only seem to have this problem with the particular manufacturer and have chased it again. 5th June - email from retailer to confirm that they have spoken to the manufacturer and collection is confirmed for the 19th June. 5th June - I emailed - Thanks for the update however I must say that I cannot believe that they could not get it collected prior to the 19th June. That is nearly a month since I reported the damage to you. I could get this packaged and dispatched the next day so can't see why they are taking so long. This is large item taking up space which we are constantly having to move to get to other things. I will also need to know the time of the collection as I cannot wait in all day due to work commitments. 6th June - reply form retailer - Good morning, I know it’s ridiculous! We have spoken to rep about this to see if they can make this any better. 8th June - voice mail from manufacturer asking to contact them. 9th June - called manufacturer who confirmed that collection would be on the 19th June to which I asked why so long and pointed out I could get it collected today - they did not have an answer and told me to contact the retailer. I told them it is a major inconvenience as I am having a lot of work done at the moment and the box is constantly having to be moved as it in the way. I know my contract is with the retailer but I think it is a joke that it will be over a month since rejection to collection and I would guess another week or 2 for the refund to be processed - probably have to argue about the P&P fees as well!! What are my options or my next course of action.
  19. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amount. They told me the default would be settled and closed. In October, wrote a letter and called the CU several times. They told me it would be marked as settled by November over the phone, no formal response. In November took to the FOS, couldn't do anything without a final response letter, until 8 weeks had past, and my letter was ignored by the CU. In December contacted the FOS and they sent a letter to the CU. In Jan, followed up with the FOS. Their letter had been ignored. They called called the CU. In Feb, they finally respond to the FOS stating the default was sorted and the FOS sided with them. I responded with a copy of my credit file and told them this was not the case (felt bad for the Girl totally deconstructed her email with DPA legislation etc, she clearly was worried in her response to me). The FOS, as part of the closure, say the default was fair to be recorded after 4 years.. .. guidance from the ICO states 3 - 6 months. I also complained to the ICO. However, the FOS reopened the case because the CU hadn't sorted the default. In March / Apr, Information gathering by myself, the FOS and Experian. In late April, FOS sides with me and awards compensation. ICO finally assign a case advisor. In May, wait two weeks for the response, then the CU say not happy with that, escalate within the FOS and I need to wait for an Ombudsman to be assigned.. .. as it was an investigator who made this decision. Today, ICO respond saying that they can't uphold the complaint as they deal with the org and not the individual, but are willing to be communicated further information. Email in progress.... but they also notify me that CU's aren't regulated under the CCA. So my questions really is... the distress this has caused has been over 9 months. I can't get a new car (which I could lose my job over), I need to sort out the Mortgage for my current residence (which means I could lose my home) and in all honesty I've spent hours on this. What can I do? The FOS is saying it now may take the ombudsman a while to respond. Bringing this whole incident to 10, possibly 11 months. The other thing I'm unsure of is if the CU isn't regulated by the CCA, what can actually be done? How can this be fair processing of consumer data? Thanks in advance and sorry for the long post!
  20. I'm hoping you guys can help as you have done in the past. I received a parking ticket after falling asleep in a motorway services station from ParkingEye. I followed general advice and ignored the ticket (the car is actually registered in my wife's name). They are now pursuing me (my wife) via the courts and I'd like to ask a few questions. I had initially intended to file a defence as many threads suggested that these cases are often thrown out with a robust defence. I received the service on March 28. The letter said that the date of service was deemed to be 5 days after the 28th. On April 10 I filed an acknowledgement of service. can someone check my maths? I have 28 days from April 2nd to file my defence - which would be May 1?? Is that right and if so, how does the bank holiday affect it? I've now decided that as much as I would love to file a defence - because these guys are the spawn of satin - I don't have the time or the energy to file anything near as robust as it would appear I need to. I'm thinking it would be better to just write off the £175 and chalk it up to a bad experience. But when I click on the Admission instructions using MCOL it says: If you are admitting all of the claim and wish to pay it now you should take or send the money, including any interest and costs, to the claimant. You should act quickly to ensure that the claimant receives the money within 14 days of the date you received the claim (the date of service). If payment does not reach the claimant within this time they may ask for judgment to be entered against you and this may affect your future ability to get credit. This implies that because it is now past 14 days, if I DON"T file a defence and instead make the payment in full, a judgement could still be made against my wife?? Being so close to the deadline, and beyond the 14 days, am I better off filing a weak defence? Any prompt help would be greatly appreciated
  21. Hi guys. After scanning through a few similar posts I thought it would be clearer to understand if I posted my own thread hi-lighting my own concerns specifically. Hope that's ok? I'll give an explanation of my situation then submit my questions. About 7 years ago I had a few outstanding debts on various overdrafts and c/cards etc. My wife and I owed around £4'500 in total. Nothing to get to worked up about. My wife and I seperated though and after a clean and simple divorce I was left trying to float the home finances alone. Living on half of our former income, things quickly started to spiral out of control. In the end I went to citizens advice who spoke to all the creditors and asked them to freeze all my overdrafts and cards etc and also freeze any interest charges. We arranged affordable repayment plans for each of them and all has worked well since then. One of the accounts was with Barclaycard. I owed around £1'500 and they kindly agreed a repayment plan of £12.00 per month. I set up a direct debit and all has been going great. I've never defaulted on a payment and I've watched the debt steadily fall. Just a few weeks ago I called them and asked if I could up the payments from £12.00 to £24.00 per month in order to clear the debt more quickly, as it was now down to a balance of just £429.00 I was told by the representative on the phone that it would be easier to leave the account as it is for a while as Barclaycard were in the process of transfering some accounts to another company who would be taking over the management of these accounts and collecting the remaining debts. I said I was not happy with this as my debt was with Barclaycard and it was them that I was in a contract. I explained to her that I could not see why it was ok for Barclaycard to suddenly change the contract. She tried to reassure me it was all ok but I insisted that I speak to her supervisor. After a minute or two another voice came on the line and told me not to worry and that it would be fine to up my repayments. If I wasn't happy to switch company's then no switch would be made. I hung up satisfied with the outcome. Then a week or so later I recieved a letter from Barclaycard dated the 10th Oct 2016 informing me that they have, and I quote... "closed and transfered your Barclaycard account to a company called Assett Link Capital (No.5) Limited. They've appointed Link Financial Outsourcing Limited to act on their behalf so they'll be looking after your account from now on" On the same day I also recieved a letter from Assett Link Capital confirming that Barclaycard had "Assigned" the account to themselves and that they in turn had appointed Link Financial Outsourcing Limited to service the account on their behalf. Included were contact and bank details to arrange payments with Link Financial. With all this looking so official and above board and not wanting to once again incur charges against the account, I went ahead and visited Link Financial's website and filled out the online direct debit form. I then recieved an email thanking me for my completing the Direct Debit set up form and that my information had been received and they would begin setting up my Direct Debit shortly. Although I wasn't happy at being forced into accepting this change I felt it was more important to stay on top of repayments rather than damage my now recovering credit score. I have since seen some online articles which have caused me to have concerns. So the questions I've been asking myself are as follows. 1) Am I in any danger of being defrauded by a fake company who have access to my personal banking information? 2) Are Barclaycard in breach of contract by handing my debt on to another debt recovery agency? 3) Barclaycard say they've "Closed" the account where as Assett link say Barclaycard have "Assigned" the account to them. Is this the same thing or are these companies being clever with their wording? 4) Now I have filled out the online direct debit form with Link Financial have I obligated myself to repay the outstanding sum to them. 5) If I have not obligated myself to make repayments to these other agencies and do try and challenge paying back the debt, will this have a damaging effect on my credit score? I appreciate your taking the time to read this, much longer than anticipated post, and look forward to any help and advice you good people may be able to offer. Thanks and regards. Skinz72
  22. Last week I informed the dwp that I had moved in with my partner. they sent me an ESA3 10/14 form to fillout which I think just assesses financial eligability for the benefit. I know that due to my partners income and savings I will lose all benefit. The form is a bit confusing and I cannot get through to the DWP to speak to them as they are always busy even if I wait an hour on the phone. My queries are these: 1. It asks me if my partner agrees to my making this claim? My partner knows he has to give his details but isn't happy about giving his savings information and so on. He says he is not making any claim, which he isn't. 2. As I have just moved I am currently in the process of switching doctors, this will take a few weeks to do but I have to send the form back asap. Should I just put the name of my old GP or the name of the new surgery I will be going to even though I don't have a doctor there yet? 3. The form asks about work my partner has done since I made my first claim. My partner has always worked since 2002 and earned a good wage (he also has savings in excess of £30,000) however we were not partners then and I only moved in together last week. I am worried that by filling this in the DWP will say he should have been supporting me for the past 5 years even though we haven't been together that long and were only just living together now? 4. The form says they will tell me if I am not entitled to ESA they will write and tell me. I expect to not get any money but I am not better at all and would still like to have my stamp covered by being on the benefit, will this be ok? Thank you for your help!
  23. 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?
  24. I think this is probably a general question but in my case it applies some very expensive private dentistry work I had done. The treatment finished in April 2016 and is covered by a 12 month "aftercare" or guarantee. Since then I have had to go back to the dentist to re-insert a loose crown and bridgework which he fitted. This was done free of charge. The twelve month period is coming to an end and again I have problems with the same two teeth - a crown fallen off and a loose bridge. Unfortunately the company I used (a larger cosmetic surgery company) no longer offers dentistry and have passed any remedial work out to another dentist. I have an appointment for three weeks hence but I'm now thinking they are trying to wait out the twelve month period so that my cover expires as this is a very long wait. What I am wondering is whether the twelve month period is just that or whether it is extended to cover any remedial work they have done for a further twelve months? It seems that otherwise they might fix the problem again short term now, knowing they will have no responsibility after April. I've looked online and can't find anything on this.
  25. Hey guys, just after some advice. After nearly a year on Universal Credit, I finally got a job as I started working for Warburtons in Burnley through this agency called (The Best Connection) and I started on Tuesday (December 6) and my shifts are Tuesday to Friday, 9am - 8pm and my wage is £7.20 an hour and I get paid every Friday. Just wondering if you could answer these questions for me: 1. Going from my wage, will I get any help towards my rent or council tax? 2. If the work doesn't last and the worst comes to the worst and I will have to start claiming Universal Credit again, how long will it take to get my 1st payment? 3. I normally get paid on the 19th of every month and I got told that it won't affect this month's payment, but it will in January for last payment, is this correct? Also, the agency said Warburtons might keep me on, but they not sure just yet. I hope they keep me on as I am enjoing it. Any advice would be great, thank you.
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