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Can I afford to start new job?

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Dear all

I hope someone here can help me! I have had lots of very good advice re bank charges and am now looking for some help re benefits.

I was made redundant on 15th jan 2010 and since 18th jan have been in receipt of jsa contrib based at approx £130 per fortnight. Since 25th jan I have been receiving housing benefit at £175 per week and council tax benefit at approx £22 per week.

I have now been offered a job on a six month contract starting weds 28th July - I will sign off as of then.

My question is will all my benefits stop immediately? I will not be paid for a month and have no money to pay rent bills and debts.

I spoke to a helpful woman at the council today who said I was paid 2 wkd in arrears so when this weekends payment was done they would owe me the 2 wks arrears (but she also said the payment going through at mo covered me to 25th July so am confused as does the arrears mean am entitled to 2 wks after sign off?). She also told me to apply for a four week overrun which I will.

But how does jsa work? Can I get any more payments once signed off?

Sorry this is so rambling!

Any help very gratefully received!

NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received


MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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JSA is also paid in arrears - two weeks in arrears. You will be entitled to JSA up until the day before you start work.


Your contributions should have (or due to be) exhausted around about now, as conts based JSA is payable for a maximum of 26 weeks only - have you discussed this with your advisor? In view of your being in receipt of HB/CTB, it would appear that as the thresholds (savings) are the same as that of JSA, you would likely qualify for income based once conts exhaust.


You might be eligible for the job grant


If you have no income whatsoever, you can apply for a crisis loan for living expenses as an alignment to wages.

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