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I think that excessive delays are certainly a reason to complain to JCP. But what cause for legal action do you think she has?

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I think that excessive delays are certainly a reason to complain to JCP. But what cause for legal action do you think she has?

 

Hi antone,

 

 

I’m not overly knowledgeable with the law and therefore a legal case toward the job centre could fail, I don’t know what other options she has.

 

My landlady explained to her advisor that she couldn’t apply for that fourth job because she didn’t have the skills or qualifications, but she was still sanctioned.

 

Additionally, my landlady also mentioned why she couldn’t apply for that fourth job in her complaint letter to the head office in Southampton and the Chief Executive based in London

 

She’s also contacted the Independent Case Examiner and explained to them the same story, but nothings really happening.

 

Furthermore, my landlady has bipolar disorder and takes medication.

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Hi caro,

 

 

Are you saying that the bank can’t evict my landlady while she has a paying tenant?m

 

If my landlady wanted to use this argument, I assume she’d need to seek legal advice or would I have to be the one that does that?

I don't know the exact circumstances but it might be worth investigating if you could object to possession or eviction. At the same time tenants in buy to let properties where the landlord has defaulted on the loan can be evicted so my suggestion is a long shot.

 

Unfortunately I don't know the names in the case.

 

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If your landlady had appealled surely the matter would go to Tribunal, so it may be she hasn't actually appealled and has only asked for a reconsideration - not the same thing.

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When did she explain to the adviser? When I was signing on and had a job handed to me, they always checked it was suitable for me.

 

When the jobcentre advisor provides my landlady with four vacancies, I presume those jobs must reflect her skill base.

 

I think the jobcentre can make mistakes and provide jobs which the client isn’t skilled to do.

 

For instance, I seek administration work and if the job centre provides me a position, but the vacancy requires managerial experience then I won’t apply for it.

If I’m under qualified, I will not take this risk because I don’t hold any managerial experience.

 

My landlady looked at all four positions and one position she rejected because of lack of experience/qualifications, but it seems the adviser didn’t take this into account.

My landlady was unfairly sanctioned for being given a job that wasn’t any good.

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I don't know the exact circumstances but it might be worth investigating if you could object to possession or eviction. At the same time tenants in buy to let properties where the landlord has defaulted on the loan can be evicted so my suggestion is a long shot.

 

Unfortunately I don't know the names in the case.

 

Hi Caro,

 

I will talk with my landlady and ask her to look into your objection for possession and eviction idea.

 

Cheers

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A licensee (or lodger) has not got the same rights as a tenant. The landlady in this case would not have an argument against repossession because she has a lodger.

 

What she does have is a defence if the mortgagee takes her to court. She can explain that she has been sanctioned, that it is only for a period of time, and that she will be able to resume payments on a specific date (job centre should be able to give the exact date that the sanction ends), and that she has taken in a lodger to assist with paying her financial commitment to the mortgage (this always looks good in court so long as she can show she can afford the CMI plus something towards the arrears).

 

In the interim, the landlady is far better off contacting the mortgagee and informing them of her current circumstances and explaining (as above) that it will be for a specified period of time. Most mortgagees should show some forbearance.

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A licensee (or lodger) has not got the same rights as a tenant. The landlady in this case would not have an argument against repossession because she has a lodger.

 

What she does have is a defence if the mortgagee takes her to court. She can explain that she has been sanctioned, that it is only for a period of time, and that she will be able to resume payments on a specific date (job centre should be able to give the exact date that the sanction ends), and that she has taken in a lodger to assist with paying her financial commitment to the mortgage (this always looks good in court so long as she can show she can afford the CMI plus something towards the arrears).

 

In the interim, the landlady is far better off contacting the mortgagee and informing them of her current circumstances and explaining (as above) that it will be for a specified period of time. Most mortgagees should show some forbearance.

 

 

Hi Lea_HTH ,

 

 

My landlady did explain her sanctioning to the bank, but sadly the Bank refuses to freeze her mortgage.

 

I’m wondering if the bank might accept a smaller monthly payment, but I haven’t mentioned this idea to my landlady yet.

 

Do you think the bank might accept a smaller monthly payment?

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Hi Lea_HTH ,

 

 

My landlady did explain her sanctioning to the bank, but sadly the Bank refuses to freeze her mortgage.

 

I’m wondering if the bank might accept a smaller monthly payment, but I haven’t mentioned this idea to my landlady yet.

 

Do you think the bank might accept a smaller monthly payment?

 

 

I am surprised the bank will not play ball if it can be proved the sanction is for x amount of months.

It is hassle for them if they are forced to call in the loan.

 

Does your landlady have anything like a holiday period written into her agreement.

I get two months a year, which can come in very handy.

Are you sure you LL has done all she says she has.

Have you been there when she has made these calls or whatever.

 

Most mortgage companies do not even start legal proceedings unto several months have been missed.

Has your LL got insurance pp on her mortgage (I guess not) but worth asking.

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My landlady was getting 20 pounds off her monthly mortgage before she was sanctioned.

Those links look useful and I will send them to my landlady.

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I am surprised the bank will not play ball if it can be proved the sanction is for x amount of months.

It is hassle for them if they are forced to call in the loan.

 

Does your landlady have anything like a holiday period written into her agreement.

I get two months a year, which can come in very handy.

Are you sure you LL has done all she says she has.

Have you been there when she has made these calls or whatever.

 

Most mortgage companies do not even start legal proceedings unto several months have been missed.

Has your LL got insurance pp on her mortgage (I guess not) but worth asking.

 

My landlady claims she has done all these things, but had little results.

She has only missed one payment so far and no legal proceedings have taken place as yet.

 

As for holiday agreement, I doubt it.

Edited by 33crazydude
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My landlady was getting 20 pounds off her monthly mortgage before she was sanctioned.

Those links look useful and I will send them to my landlady.

 

How could she be getting £20 a month off?

I think most mortgages factor in a (holiday payment) for two months.

It is not a perk, it is part of the package.

 

Must say I have read a lot on here about people with mortgage problems, as I have a mortgage, but not sure I have read problems like your LL seems to be having from such an early stage.

All mortgage companies have a duty these days to try and help, and they urge you to tell them if having problems.

As this is not a long term problem and can be proved - I am failing to understand why they appear to be being heavy handed.

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They are very useful links (I have kept them for myself - future reference).

Thanks for that.

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Hi Bakatcha,

 

 

You were very helpful in the past and wondered if I might ask another cheeky question?

 

I am currently doing some training for a possible job with Morrison’s and INGEUS have nothing to do with this.

 

INGEUS also have little influence with my job hunting anymore and the reason INGEUS have little authority is connected with my waiver cancellation.

 

You may remember helping me with my INGEUS dilemma in late 2012 and thanks to your help and Nimitz I successful cancelled my waiver.

 

In late 2012, I was already doing some training for a possible Morrison position and still have more training to do for 2013, but I still haven’t got the job and stand a chance of failing these assessments.

 

Anyway, I need to claim money back for all my current and future travelling costs and the only people who do this is INGEUS.

 

When I ask for their help for reimbursing me, I was worried they might ask me to sigh something to claim money back for travel costs, but we all know what signing forms leads to.

 

Do you think INGEUS will do this?:|

 

KInd Regards 33crazydude

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How could she be getting £20 a month off?

I think most mortgages factor in a (holiday payment) for two months.

It is not a perk, it is part of the package.

 

Must say I have read a lot on here about people with mortgage problems, as I have a mortgage, but not sure I have read problems like your LL seems to be having from such an early stage.

All mortgage companies have a duty these days to try and help, and they urge you to tell them if having problems.

As this is not a long term problem and can be proved - I am failing to understand why they appear to be being heavy handed.

 

Hi Lilly,

 

 

To be honest, I don’t know much about mortgages, but my landlady claims she received £20 off her mortgage per month, but maybe she meant the bank reduces her monthly payment by £20?

 

I had a chat with my landlady yesterday about her current dilemma and she was able to explain things in a more exact way.

 

For example, I thought she defaulted on her mortgage once and in reality she defaulted twice!

 

The bank hasn’t official frozen her mortgage, but she hasn’t been penalized for two missed payments in November and December.

 

The bank realizes that my landlady should get a response from the DWP or job centre about her benefits starting up again, but if my landlady is unsuccessful, I don’t know if the bank will be quite so forgiving if she misses her third house payment?

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Hi Bakatcha,

 

 

You were very helpful in the past and wondered if I might ask another cheeky question?

 

I am currently doing some training for a possible job with Morrison’s and INGEUS have nothing to do with this.

 

INGEUS also have little influence with my job hunting anymore and the reason INGEUS have little authority is connected with my waiver cancellation.

 

You may remember helping me with my INGEUS dilemma in late 2012 and thanks to your help and Nimitz I successful cancelled my waiver.

 

In late 2012, I was already doing some training for a possible Morrison position and still have more training to do for 2013, but I still haven’t got the job and stand a chance of failing these assessments.

 

Anyway, I need to claim money back for all my current and future travelling costs and the only people who do this is INGEUS.

 

When I ask for their help for reimbursing me, I was worried they might ask me to sigh something to claim money back for travel costs, but we all know what signing forms leads to.

 

Do you think INGEUS will do this?:|

 

KInd Regards 33crazydude

I am not sure about this! If you ask Ingeus for your travel expenses they may refuse on the grounds that the placement/training is nothing to do with them. They certainly won't cough up without knowing more which in turn means they will attempt to make a claim for any successful outcome. They may even decline to pay your expenses AND then try to claim an outcome!

If they already know about your training then I would be inclined to try to get them to refund expenses. If they don't I would be inclined to keep quiet and not try to reclaim them.

I can't see Ingeus coughing up without knowing a lot more about the placement/training though.

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I am not sure about this! If you ask Ingeus for your travel expenses they may refuse on the grounds that the placement/training is nothing to do with them. They certainly won't cough up without knowing more which in turn means they will attempt to make a claim for any successful outcome. They may even decline to pay your expenses AND then try to claim an outcome!

If they already know about your training then I would be inclined to try to get them to refund expenses. If they don't I would be inclined to keep quiet and not try to reclaim them.

I can't see Ingeus coughing up without knowing a lot more about the placement/training though.

 

Hi Bakatcha,

 

 

Sadly INGEUS already know about my Morrison’s training.

 

I exposed my Morrison’s training to INGEUS before cancelling my waiver, but INGEUS wasn’t giving me a hard time back then.

 

If INGEUS decide to pay me my travel expenses, I don’t see how they can make any claim with Morrison’s because my waiver was cancelled and they’d be breaking the law.

 

You don’t think INGEUS have something up their sleeve do you?

I really hate crafty behaviour.

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Help with travel costs is discretionary so they are not obliged to pay anything, also the help is only usually considered if there is a job offer at the end of the training and in JCP the help has to be claimed for in advance with all information provided to show a genuine need for the assistance so I assume it is the same when you are with a provider at work program.

Most providers claim they don't have funds to support these applications and will usually advise customers to ask at the JCP for help which angers a lot whe they are advised to go back to their providers as it is their responsibility to consider if tere is any assistance available

 

 

INGEUS may not be obliged to pay anything and if they refuse, I would accept their decision, but surprisingly INGEUS did pay some of my travel cost's for Morrison’s this Thursday, but they weren’t very happy about it.

 

I still have two weeks worth of training with Morrison’s and there’s still no guarantee that Morrison’s will give me a job.

However, INGEUS have also agreed to pay these travel expenses, but they did mention that they’re losing money.

 

I recently cancelled my waiver with INGEUS and expected them to not pay me anything, but they certainly surprised me.

 

My advisor claims that INGEUS is perfectly within their right to make a claim with Morrison’s despite my withdrawal of consent, but then my INGEUS advisor contradicted him self and asked me for my personnel verbal consent and I refused.

 

If INGEUS go behind my back and try to make a claim with Morrison’s that would be a breach of data protection and illegal.

Everything must have written consent and he doesn’t have it!

 

If I get the job with Morrison, I will ring the job centre and tell them I am now working, but I won’t tell them what my job is.

 

I don’t want INGEUS to make a penny out of me because they never had any part to play with my involvement with Morrison’s.

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I don’t want INGEUS to make a penny out of me because they never had any part to play with my involvement with Morrison’s.

 

Besides giving you the money to get there and back - good luck with the course. Like I said earlier the double-check on contacting the employer would stop that from happening - even if the adviser did try to claim it then the notes entered by the manager following your withdrawal of consent would flag up. It's one of the checks done before any employer is contacted. If the course is a success and you're offerred work as a result of it then it'll still be added to the case recording system but the external check won't be carried out. The system changes your record to reflect that you're no longer unemployed and that you needn't be contacted for appointments.

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Besides giving you the money to get there and back - good luck with the course. Like I said earlier the double-check on contacting the employer would stop that from happening - even if the adviser did try to claim it then the notes entered by the manager following your withdrawal of consent would flag up. It's one of the checks done before any employer is contacted. If the course is a success and you're offerred work as a result of it then it'll still be added to the case recording system but the external check won't be carried out. The system changes your record to reflect that you're no longer unemployed and that you needn't be contacted for appointments.

 

 

Hi Bullpoofilter,

 

 

The travel money INGEUS is paying me is really just tax payer’s money.

 

I bet there are many jobs that clients find for themselves and INGEUS had no part to play, but INGEUS still claim from these jobs and after 6 months they get paid a load of money.

 

It’s a giant con for the tax payer and any financial loses INGEUS suffer from me is little when compared with their overall profits.:violin:

 

Sorry for being stupid, will I need to notify Morrison’s that INGEUS might phone them and then Morrison’s be able to reject their claim.

 

Would I need to tell the manager of Morrison’s or HR/admin?

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Will I need to notify Morrison’s that INGEUS might phone them and then Morrison’s be able to reject their claim. Would I need to tell the manager of Morrison’s or HR/admin?

 

No - if you've withdrawn consent then the call will never be made. Before anyone would even pick up the telephone they would need to check that consent was present and correct. If it's not then the administrator won't make the call to begin with.

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