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    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
    • thanks ftmdave again for the help with letter. thanks lookinforinfo for the info, im glad i found this forum as its a great comfort and relief to know ive dont the right thing as i wasnt too sure at first. and good to know what excel are really like.   thanks guys.
    • Hello!  First timer on here, discovered this amazing site and threads on debt issues only yesterday. After never having a bad debt in my life, almost 2.5 years ago I was scammed by my now-ex partner who calculatingly manipulated me into taking out a bounceback loan, 2 personal loans and a credit card.  He took all the money via ruthless deception, every penny, as well as the car (bought with unsecured personal loan) and all my furniture, personal belongings and even most of my clothes as well.  I'd packed up my life to move to another part of the country with him, only to discover he'd scammed me and been clever about it, so he directed the removal truck to a location unknown to me (never saw my stuff again!), and car is registered into someone else's name.  All this happened abroad.  I have won a criminal case against him abroad and he has been given a custodial sentence (which he is appealing while on bail), but it is difficult to get financial reparation so I am left with over £40k of debt to my name in the UK.    I am in my mid-50s, and have no assets whatsoever, I still live abroad (renting) and cannot afford to return to live in the UK due to the debts and decreasing income. It's been devastating and I've been struggling enormously since it happened (Jan 2022).  I have been suicidal at times. I was making combined loan/cc payments of £1300 monthly for over two years, but I'm self-employed (sole trader) and my UK-based small business has suffered 70% loss of income since Oct 2023 due to changes affecting government funding for the market I provide services to.  My income is commission-based, and has reduced to an average of £1200 per month. As I currently live abroad (outside EEU), I am not resident in the UK for tax purposes and haven't been for more than 3 years (my work is done remotely outside the UK, even though my clients are in the UK and payment is received into my UK bank account).  That means I am not entitled to an IVA or bankruptcy options.  My only option in terms of a debt repayment solution is a DMP. I maintain a UK correspondence address (my mother's home) and use this for my bank account, loans, credit cards etc.  I have only informed HSBC (bank acc) and one loan company that I moved abroad and that the UK address is only a correspondence address (been scared of potential consequences of informing them, even though I don't know what they could be or if there would be any). My worst fear is being taken to court, bankruptcy, etc, and my bank account and income being controlled and all surplus income above basic needs being taken etc, when I literally have almost nothing in life at this stage and desperately want to try to rebuild my life somehow and have some normality again.  Perhaps even move back to the UK if I can afford to. I've contacted all my creditors except cc (it's an HSBC card so am concerned it would affect my bank account with them.  I also bank abroad with HSBC and have global-linked accounts with them).  All interest has been stopped on my loans since April (period of 4 months on two loans, 6 months on bounceback loan with Pay As You Grow option agreed).  Continued so far to pay at least minimum payment on HSBC credit card.  I spoke to PayPlan yesterday and they've worked out a DMP paying £289.50 per month for 11 yrs 7 months, with annual reviews - not signed up to it yet, and concerned about customer reviews I've read about them demanding double payments a year or so down the line and not making payments to the creditors for long periods, etc.  Frightens the life out of me trusting them with the limited money I have - I don't want to go out of the frying pan into the fire in terms of stress that could last years, going by some of the horror story reviews. Considering the DIY DMP option, dealing directly with my creditors myself.  But not even sure going down the DMP route is the best option.  What do I gain from doing that? Sounds like I will still end up with an arrears or even a default record on my credit file even with a DMP, and I will be paying money I really need to help me get my life back on track, especially as I don't even have a full state pension entitlement - would be better used to pay missing years into that, surely, if I do have some surplus?  Either way, with or without a DMP, I won't be able to borrow so how would a bad credit score affect me anyway?  Seems like it could be best to allow them to go to default in the hope that it can all be SB-ed after 6 years. At this early stage, I know I will benefit from advice here about what route to go down and pros & cons/risks etc of: a) DMP with PayPlan b) DIY DMP c) Going down the default route in hope of debts being sold to DCA and not paying anything further with result that it is all SB-ed after 6 years. Struggling to pay off the loans for the next 11 years @ £289.50 seems daunting and such a long time, when I really need every penny to restart my life, regain some dignity, restore my mental health etc... I hope someone here help me make the right decision at this point, before I've committed to anything or have paid lots of money for years with little dent into the loans.... Details : HSBC Bounceback Loan (unsecured):  taken Dec 2021, original amount £9000, 2.5%.  Currently owe £4950.  Monthly payment:  £159.  Not missed any payments, but agreed PAYG option in April - full holiday for 6 mths, restart payments at £73.00 in October, term extended to 2030. TSB personal Loan (unsecured) - taken Aug 2021, original amount £23,000, 9.2%.  Monthly payment £475.  Currently owe £14,550.  Missed 2 payments. Interest stopped since April, no payments offered or made.  Situation to be reviewed prior to default - which will be after 4 missed payments). Sainsburys personal Loan (unsecured) - taken Jan 2022, original amount £25,000, 8.6%.  Monthly payment £514.  Currently owe £14000.  Missed 2 payments.  Interest stopped since April, made 1 payment of £50.00 on 7 May (offered to pay £50/month until situation reviewed prior to default - which will be after 4 missed payments). HSBC credit card APR 18.9% - £6900 currently owing, continuing to pay at least minimum payment (£180/month), not contacted them so far. Applied for Starling bank account, as advised by PayPlan to have a separate a/c from my HSBC one as they would have the right to take money from my account to pay off my HSBC cc debt if I stopped paying that. Sorry this is so long and a big thank you for reading down to the end!  I hope the detail helps with advising me on best course of action and possible/likely consequences.      
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Employment/Work and asscioated benefits woes


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Nope, Oct hours worked will be paid in Nov. They do the payroll based on hours worked from 1st to 31st or whatever date is the last day.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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When you sign on you will complee for B7 to declare the hours worked and it also requests the date you expect to be paid for the work so just fill in the form when you sign and the BC will calculate your JSA based on that info and will then set a case control to request your first payslip.

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You will still be paid as normal when you sign to declare part time work but they will set a case control to request your first payslip when it's diu to reassess you entitlement after you have received you first pay, and then you have to submit each payslip until you either increase your hours to 16 or more or your wages average out over a fixed period and then you will only be required to declare a change of hours/wage when it hapens within the limits they advise you of.

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But I'm normally paid £30 a fortnight bases on ten hours a week. The new job is 15 so I shouldn't get any jsa at all. Would I get the full jsa payment in the meantime?

 

Hello Hacked Off. :)

 

Is there any chance you could lighten up please? The guys on this forum are just trying to help you. We are not the enemy and have our own problems, no need to shout at us.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hello Hacked Off. :)

 

Is there any chance you could lighten up please? The guys on this forum are just trying to help you. We are not the enemy and have our own problems, no need to shout at us.

 

My best, HB

 

Erm what part was offensive? :s

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Did he sign a contract? If so, he might be able to sue for notice pay. If not, nothing can be done.

 

No contract was signed. It was all done verbally over the phone and one email confirming start dates etc

 

I didn't think anything could be done, a bit suckey for him though!

 

Cheers

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I have never heard of a company paying a monthly salary a month in arrears. At end of November you should get paid for 26-27-28 October plus November's salary.

In essence you are saying that if you had started on 1st Nov you would not have been paid for the month of November until end of December? That can't be right?

 

Actually to me seems normal.

 

Every job I have had pay has always been in arrears, if the timing is unlucky then its a long delay before pay.

 

Why would a company pay a new untrusted employee in advance?

 

I have only had one job that paid monthly tho, but that was in arrears.

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Actually to me seems normal.

 

Every job I have had pay has always been in arrears, if the timing is unlucky then its a long delay before pay.

 

Why would a company pay a new untrusted employee in advance?

 

I have only had one job that paid monthly tho, but that was in arrears.

 

Payment in arrears is standard, yes, but it sounds as though this company pays two months in arrears. Anyone I've ever worked for has paid one month in arrears.

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Actually to me seems normal.

 

Every job I have had pay has always been in arrears, if the timing is unlucky then its a long delay before pay.

 

Why would a company pay a new untrusted employee in advance?

 

I have only had one job that paid monthly tho, but that was in arrears.

 

If I start a job on 01/11/2012 I expect to be paid for that month at the end of November i.e. 30th November 2012 so hardly call that being paid in advance. I have never had to wait until end of December or two months before being paid if I started work on 01/11/2012. I have never heard of this even when I worked for a short while in a government department!

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If I start a job on 01/11/2012 I expect to be paid for that month at the end of November i.e. 30th November 2012 so hardly call that being paid in advance. I have never had to wait until end of December or two months before being paid if I started work on 01/11/2012. I have never heard of this even when I worked for a short while in a government department!

 

In that example i would of got paid in December but left that job

 

That too was Government Department and worked there just over 10 years!

 

Left that job end of September this year

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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sorry I think I misunderstood you.

 

I thought you meant you start last week of nov and then not get first full month pay until dec 31.

 

But if you mean t you start last week of oct then your first full month pay should be end of nov.

 

Problem is tho I dont think there is a law that makes 2 months arrears illegal, so it be one of those situations you accept it or quit.

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Fire service:-)

 

I'll say it again!

 

I start on Monday.

 

We are paid on the last day of the month.

 

I will be paid for October 27/28/29 on the 30th November.

 

I will be paid for November on the 31st dec.

 

Effectively leaving me with no money until the end of December, with 3 days wages to last two months.

 

This works out at £6 a week.

 

Again I'm not debating that there's anything u can do about that, that's not what I'm asking!!!

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I was thinking crisis loans but I was told last time you only get a certain % of what your jsa is. As inwouldn be entitled to any jsa money I would of thought I'd get nothing.

 

I'm wary of going in to the job centre to clarify In case I get sanctioned.

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Again I'm not debating that there's anything u can do about that, that's not what I'm asking!!!

 

We understand that, and we're not debating it nor disputing your statement, beyond seeking initial clarification. Sometimes side discussions happen on threads, and lo! here is one newly hatched from the mother discussion egg. This schedule of payment is unusual - it attracts comment.

 

Anyhow, you won't be at risk of sanction simply because you approach the Jobcentre to ask the question, especially as it's for 15 hours per week. I believe it is possible to get a CL as "alignment to wages", but I'm no expert on that. Certainly, there's no absolute requirement to be on benefits in order to be eligible, but I have heard that people who aren't do have problems from time to time.

 

Edit: Actually, now I think about it, are alignment payments available for people going into part time work?

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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I don't think the alignment payments are there for going into part time work only if the work is 16 hours or more, I'm sorry I wasn't clear in my previous posts...... when you declare your new part time hours you will complete a new A15C and B7 to declare hours worked and when you expect your first/next wage to be paid, the Benefit centre will then use the attribution of part time wages for your existing work to calculate your JSA award and you will need to notify them in writing that this job ceases and the date it ceases also giving the date your last wage for that job will be paid, Your new wage will then be calculated when it is due to be paid, e.g end of November.

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I'll say it again!

 

I start on Monday.

 

We are paid on the last day of the month.

 

I will be paid for October 27/28/29 on the 30th November.

 

I will be paid for November on the 31st dec.

 

Effectively leaving me with no money until the end of December, with 3 days wages to last two months.

 

This works out at £6 a week.

 

Again I'm not debating that there's anything u can do about that, that's not what I'm asking!!!

 

A company pays whenever the payroll cough up!...What your saying is about working a month in hand!... it is hard but if thats the way they pay then thats it

 

I work for a company where the month is 1-31st and pay day on the 5th working day of the following!.....

 

Although as a suggestion could you not ask the company for a loan ( apologies for the suggestion if its been covered i haven't read the post fully!)

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