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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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Housing Benefit Query


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Hello,

 

I work at a pre-school we are closed for all LEA holidays and I do not get paid for them except for four weeks which are covered by set holiday pay paid from pre-school (i.e 1 week at Easter, 2 weeks before the big summer break and 1 week at Christmas). I work 3hrs a day, five days a week.

 

My rent at this time was £98.95 per week. I live with my daughter who is 22 pregnant but getting JSA because she is looking for work untill the baby is born. Nov 2007 my HB payment was £395.40 per month which covered my rent all but a few pence. Then at the end of Nov I had a letter saying there had been an over payment which they intended to recover. The details of the letter are as follows.

 

Housing Benefit

4 weeks at £3.96 per week = £15.84

5 weeks at £2.85 = £14.25

8 weeks at £14.11= £112.88

14 weeks at £22.20 = £310

 

 

Council tax benefit

3 weeks at 6 days at £3.66 per week = £4.70

5 weeks at 1 day at £0.88 = £4.52

8 weeks at £4.34 = £34.72

12 weeks at £6.83 = £81.96

 

My wage fluctuates each month depending on how many sessions/weeks fall into the month. When you work it weekly as they do, on paper it does look like I am over earning but I don't think it takes into account the 12 weeks I have without pay. For last year my wage was £4,185.00 ( I don't pay tax) if I divide this by 52 weeks of the year not the 40 weeks for which I'm paid, it for most months dramatically lowers my average wage. After disregard and Applicable rent is taken off and I'm still over by around £10 per week. Which is fine I don't have a problem paying something as long as the figure has been worked out fairly.

 

I am right in thinking that the wage earned should be averaged out over the whole year (as it has to support me for the whole year).

 

If the over payment stands can the council take it back so dramatically. Dec,Jan,Feb,Marchs HB payment dropped from £395.40 to £260.60.

 

Anyone any idea from the info (sorry I know it's a bit garbled) if I have a case to argue they haven't calculated my HB right.

 

Thanks

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I think what you also have remember as well as your earnings your daughter claims JSA. this is also counted when housing/council tax benefit is applied for. Even though it is not your money and is your daughters they count is a household income and therefore believe she should also contribute towards to some of the rent and council tax.

Ladidi

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Thank you for your all your replies

 

If I put my wage per month in to the calculator according to entitledto I should be entitled (although I know this not set in stone) to £84.40 per week of HB.

however

If I put my total annual wage into the calculator it says I should be entitled to £4,922.59 which is £94.41 per week. This illustrates what I am wondering. The difference being I think is the weekly wage calculation assumes I am getting that pay for 52 weeks of the year and therefore over estimates my income.

 

I realise my daughters JSA effects decision but she has only just moved home this month. These fidures are for April 07- March 08.

 

Yes, I am going to be contacting the HB dept tomorrow I just thought I'd get some opinions from the folks on here to. :)

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