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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Moomoo11
      Lowell/Overdales Claimform - old Cap1 Debt

      By Moomoo11 · Posted

      Can someone please advise on how to upload picture.  I’ve taken a photo of the first page of claim form and converted to pdf but it saying file too big. It’s only one page
    • dx100uk
      Lowell/Overdales Claimform - old Cap1 Debt

      By dx100uk · Posted

      pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • dx100uk
      Solidworks - CJHC meeting and Resellers/Partners not helping

      By dx100uk · Posted

      you IGNORE THEM. stop being had blind nothing anyone can do to you. dx  
    • dx100uk
      Approaching Pension Maturity - have debts to DCA's - do i have to tell them?

      By dx100uk · Posted

      3 threads merged for complete history of your debts. i suggest you re read from post 1 again. what are you doing still blindly paying a DCA on a historic debt?  
    • Ecker
      Approaching Pension Maturity - have debts to DCA's - do i have to tell them?

      By Ecker · Posted

      Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

How much savings are you allowed when applying for JSA?

donnygreenjeans

By donnygreenjeans
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donnygreenjeans

donnygreenjeans

Posted
Posted (edited)

What is the amount you are allowed to have in savings and still be able to claim JSA? I have got an interview tomorrow at the job centre and i lost my job because of gross misconduct so i have to tell them why i lost my last job so i am 100% sure i will get sanctioned but i don't know for how many weeks. I have got £11,000 in savings but £3000 belongs to my parents! and the £11,000 is in 3 accounts all at the same building society, Will that amount affect me?

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ErikaPNP

ErikaPNP

Posted
Posted

Full time for the last 11 years as an employee, you are likely to qualify for contribution based JSA. This will not be affected by your savings, and is payable for a total of 26 weeks. Once contributions are exhausted, you my be eligible for income based JSA. The amount you receive wil be reduced by £1 per week for every £250 or part thereof of savings between £6000 and £16000.

 

A sanction for misconduct can last up to 26 weeks. The jobcentre will not be the people who decide on whether a sanction will be applied, they just gather information in relation to some JSA claims. The decision in regard to a sanction is made by the benefit delivery centre.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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donnygreenjeans

donnygreenjeans

Posted
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Posted

A sanction for misconduct can last up to 26 weeks. The jobcentre will not be the people who decide on whether a sanction will be applied, they just gather information in relation to some JSA claims. The decision in regard to a sanction is made by the benefit delivery centre.

 

I've read somewhere that i can apply for hardship payment? So am i right in saying that my £11,000 savings wont affect me? (sorry for sounding dumb) By the way i don't suppose you know (roughly) how long the decision will take to be decided by the benefit delivery centre regarding my sanction?

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ErikaPNP

ErikaPNP

Posted
Posted

I very much doubt that they will accept you are suffering hardship whilst you have £11000 in savings. Your savings will affect a claim for hardship as hardship is payable only when there is no other means and the claimant or their family will suffer hardship without payment of the benefit, as the name suggests. You can apply though, but the onus is on you to demonstrate you are suffering hardship.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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donnygreenjeans

donnygreenjeans

Posted
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I very much doubt that they will accept you are suffering hardship whilst you have £11000 in savings. Your savings will affect a claim for hardship as hardship is payable only when there is no other means and the claimant or their family will suffer hardship without payment of the benefit, as the name suggests. You can apply though, but the onus is on you to demonstrate you are suffering hardship.

 

Ok, i can see where they are coming from but it seems a bit unfair that people (like myself) who save money and don't waste it and get in debt get penalized? So i am right in saying that i will have to spend some of my savings until the sanctioned ends?

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ErikaPNP

ErikaPNP

Posted
Posted

Most likely. You are not being penalised as you have a means to survive. Hardship exists for people who would be placed at hardship, i.e; have no means to eat or to heat their homes. I've come across some very genuine hardship cases where people are sitting in the dark in their homes as they have no electricity, they are wrapped up in duvets as they have no means to heat their homes, they are becoming malnourished as they have no means to buy food and no means to cook it, and boy have these people had to fight for hardship payments - some unsuccessfully, and it is heartbreaking to deal with. With savings of £1100 you would not fall within the category of a person who would expericence hardship.

 

Not everyone is lucky enough to have the means to save. There are plenty of people on this forum who through disability are unable to work or are restricted in the work that they can do, meaning they cannot earn very much and have little left to spare to save.

 

Bad things happen to good people and many end up with nothing, and find themselves on benefit. I'm sure most of them would gladly swap places with you if it meant they could work and have no restriction on their abilities.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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ozzywizard

ozzywizard

Posted
Posted

Ok, i can see where they are coming from but it seems a bit unfair that people (like myself) who save money and don't waste it and get in debt get penalized? So i am right in saying that i will have to spend some of my savings until the sanctioned ends?

 

Jobseekers allowance is a benifit for people who need benifits whilst searching for work, for you to use your savings is not a penalization it is a statment of proof that at this time benifits are not nessercery as you have the meens to provide for yourself.

How on earth can you possibly expect to be claiming hardship with such savings ? I really do hope you are never in an hardship position as it is not a nice place to be.

 

 

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RaeUK

RaeUK

Posted
Posted

To put the question another way, is it right for the tax payer to provide for a person who has the means to provide for themselves? Donny, I don't want you to feel targeted but you raise an interesting point. When you were employed and paying taxes, in honesty, wouldn't you have said 'no' to the above question?

You have worked hard and saved hard, that's a credit to you. But your saving was for a rainy day. It may be about to rain. I hope not, but you get my giste.

Best wishes.

Rae.

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donnygreenjeans

donnygreenjeans

Posted
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Jobseekers allowance is a benifit for people who need benifits whilst searching for work, for you to use your savings is not a penalization it is a statment of proof that at this time benifits are not nessercery as you have the meens to provide for yourself.

How on earth can you possibly expect to be claiming hardship with such savings ? I really do hope you are never in an hardship position as it is not a nice place to be.

 

Dont judge me because i have got savings, it's not my fault that for the last 19 years i've been working and have paid taxes, ata young age i was educated to save money and not to waste it, how do you know that these people who are in hardship have squandered their money through their own fault?

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loopinlouie

loopinlouie

Posted
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The forum is not judging you but in fact praising you for your wise saving. The forum also does not judge others in a variety of situations, who are we or you to judge others. How do we know if someone squandered it or not, maybe they never were in the position to save as much as you.

 

Yes you are upset you need to utilise you hard earned savings but thats life and it does you no good comparing yourself to other possible situations we know no facts on.

 

Yes you hear horific cases in the news of fraud and what they get up to which a tax payer has a right to be furious at, but dont judge all people the same, I am sure the vast majority of claimants are genuine and would love to change postions with yourself.

 

i would love to have 11, ooo and support myself for a while, so the answer is sorry you will have to use a portion of your savings, its just life, take it as no insult.

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donnygreenjeans

donnygreenjeans

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The forum is not judging you but in fact praising you for your wise saving. The forum also does not judge others in a variety of situations, who are we or you to judge others. How do we know if someone squandered it or not, maybe they never were in the position to save as much as you.

 

Yes you are upset you need to utilise you hard earned savings but thats life and it does you no good comparing yourself to other possible situations we know no facts on.

 

Yes you hear horific cases in the news of fraud and what they get up to which a tax payer has a right to be furious at, but dont judge all people the same, I am sure the vast majority of claimants are genuine and would love to change postions with yourself.

 

i would love to have 11, ooo and support myself for a while, so the answer is sorry you will have to use a portion of your savings, its just life, take it as no insult.

 

I understand where you are coming from, i was saving up to hopefully buy a house, that's why i have got £11,000 in savings, as well as working my usual hours i also worked overtime, but i guess i will have to put buying a house on hold, i was always taught at an early age that "if you can't afford it don't buy it".

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ozzywizard

ozzywizard

Posted
Posted

Apologies if I came across as judgemental this was not my intention but to advise you based on the facts you had provided. I do understand that somtimes the hard facts in life is not what somone may want to hear but correct none the less. Seriously good luck in finding work.

 

 

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