Jump to content


  • Tweets

  • Posts

    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
  • Our picks

Gay_guy1986

Universal Credit - Monthly

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2471 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just looking for some of your thought's of what you think of when Universal Credit comes into force, I have heard that people on benefits will get they money monthly instead of fortnight. how is this possible? how can people survive without any money for 5 weeks? :shock:

Share this post


Link to post
Share on other sites

It's looking increasingly unlikely ...

Share this post


Link to post
Share on other sites

They have to budget, I manage it somehow with my wages

Share this post


Link to post
Share on other sites

I think it's actually every 4 weeks and not every month. I think it'll start when you get transferred to universal credit.

Share this post


Link to post
Share on other sites
when does this come into force?

 

How long is a piece of string? If UC actually happens as planned, it will likely be introduced in different areas at different times.

 

And yes, plenty of folks who work have to budget monthly. It will be a change, yes, but it can be done.


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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

Share this post


Link to post
Share on other sites

So I get £129.00 every fortnight from my JSA (I used to get £140.00 but they taking some out of my money as I had a budgeting loan) so how much will I get every month? I heard from other forums that I will get £145 to last me a month, is that correct?

Share this post


Link to post
Share on other sites

It's definetly monthly paid not 4 weekly. It's supposed to help people when they move into employment, so it's not such a shock to have money monthly instead of weekly/fortnightly

 

It will come in when uc comes to your area. Unless your in the pathfinder area then no one knows when it will be introduced to other area of the uk

Share this post


Link to post
Share on other sites
So I get £129.00 every fortnight from my JSA (I used to get £140.00 but they taking some out of my money as I had a budgeting loan) so how much will I get every month? I heard from other forums that I will get £145 to last me a month, is that correct?

 

£279.50. Divided your fortnightly figure by 2, multiply by 52 and divided by 12.

 

Your hb will also be included, and any tax credits you get as well

Share this post


Link to post
Share on other sites

I think the government will end up spending more money with this change alone. There will be claimants across the range of benefits who will be unable to budget the cash for a whole month. I am especially concerned about the needs of mentally handicapped and/or ill patients, who may have previously been able to separate housing benefit from ESA/DLA, but will struggle when this all arrives in one lump sum (or will it be two if they get DLA?). I imagine local CMHTs will get busier, at least for a time.

 

Other claimants who have never worked full-time or at all will also find it difficult. Some may be tempted to go down the pub and p*** it all away. I think there will be others though that will just find it difficult to budget. Some people won't have seen their bank balance get that high before! (although high isn't really the right word, you can never call your bank balance high when on benefits lol)

 

I foresee (like Septic Peg) lots of Crisis Loan applications in the future. Of course many will be refused, but they'll still have to process the paper work. Honestly, in my opinion, this change shouldn't occur at all, like most of the other changes the Tories are insisting on.

 

Sorry for the essay... :!:

Share this post


Link to post
Share on other sites

There will be instances where people can't manage and there will be plans to stop direct payment.

 

I am working on one of the local authorities in the direct payment scheme. we are paying council tenants and ha tenants hb direct every 4 weeks. There are risk groups and there are chances to stop direct payment when arrears build and if its not suitable to pay direct to tenant. The dwp will hopefully realise they will have to take people individual situations into account, but they don't really like to do that do they

Share this post


Link to post
Share on other sites

I'd imagine that DLA payments won't change. DLA & universal credit are separate benefits.

Share this post


Link to post
Share on other sites

Yeah it's only the following involved in uc:

income-based Jobseeker’s Allowance

income-related Employment and Support Allowance

Income Support

Child Tax Credits

Working Tax Credits

Housing Benefit.

 

Dla or as it will be known in april, pip, is not a uc benefit as nystagmite stated

Share this post


Link to post
Share on other sites
when does this come into force?

 

 

 

You never know by the time UC comes in, your have a Full time job by then been paid monthly and be working so hard your have No time to worry about anything ever again !

 

 

 

Night,Night don't have nightmare .....

Edited by 45002

Just say No to 0870 and 0845 Numbers,Use

http://www.saynoto0870.com/search.php

Share this post


Link to post
Share on other sites

Crisis loans cease to exist in their current form from April and will be dealt with by the local autorities.

It will be similar to when they moved weekly IS payments to fortnightly payments and from what I've read there won't be any exceptions :o but there is a lot being churned out regarding UC UJM to name but a few things and things seem to change daily!

As far as I'm aware UC is running behind schedule already but again that could change tomorrow.

Share this post


Link to post
Share on other sites

2013 for the pathfinder areas which is the northwest of England four areas – Tameside, Oldham, Wigan and Warrington - each month. It will test the new simpler, single benefit payment system The roll out will take place all through 2013 for migration of existing customers on the any of the qualifying benefits. April 2014 will see it 'go live' for new claims as all existing benefits are phased out.

The monthly payments are supposed to help those who have been 'benefit dependant' (not my thoughts or words) to get used to managing their own finances so that when that magical job appears, people will be wage ready, ie they will be able to manage the wage and budget x


scotgal 

Share this post


Link to post
Share on other sites

At the moment the UC payment system isn't working yet. I do hope when it comes in that the official error rules will be the same as the DWP rules and not the HB/CTB rules.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

Share this post


Link to post
Share on other sites

@flumps

Crisis loans cease to exist in their current form from April and will be dealt with by the local autorities.

That's the death knell for crisis loans then, there's no requirement for LA's to ring fence this money so it will be spent on a 'see fit' basis, which if my local authority is anything to go by means the mayors office will get a makeover.

 

The only access to emergency cash will be the pay day lenders.


 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

Share this post


Link to post
Share on other sites

Crisis Loan Alignment Payments

From April 2013 Crisis Loan alignment payments and other Crisis Loans paid due to issues with benefit will be replaced by a new national scheme of Short Term Advances. This will be administered by the Department for Work and Pensions.


scotgal 

Share this post


Link to post
Share on other sites
It's definetly monthly paid not 4 weekly.

"definetly" ??

Can you show verification for this? most other 'Monthly' payments are 4 weekly, which is what I suspect UC will be


Taking a poke at the world

 

Never argue with an idiot, he will only drag you down to his level and beat you with experience

Share this post


Link to post
Share on other sites
I think the government will end up spending more money with this change alone. There will be claimants across the range of benefits who will be unable to budget the cash for a whole month. I am especially concerned about the needs of mentally handicapped and/or ill patients, who may have previously been able to separate housing benefit from ESA/DLA, but will struggle when this all arrives in one lump sum (or will it be two if they get DLA?). I imagine local CMHTs will get busier, at least for a time.

 

Other claimants who have never worked full-time or at all will also find it difficult. Some may be tempted to go down the pub and p*** it all away. I think there will be others though that will just find it difficult to budget. Some people won't have seen their bank balance get that high before! (although high isn't really the right word, you can never call your bank balance high when on benefits lol)

 

I foresee (like Septic Peg) lots of Crisis Loan applications in the future. Of course many will be refused, but they'll still have to process the paper work. Honestly, in my opinion, this change shouldn't occur at all, like most of the other changes the Tories are insisting on.

 

Sorry for the essay... :!:

 

I absolutly agree with this

 

This welfare state change over is causing so many people terrible stress like myself, there are also very very sick people with addictive disorders personalities with gambling, drinking, drug use addictions , i would think this will be dangerous for them if they are not able to keep control with the Universal credit that comes in one big lump sum into bank accounts?

 

That temptation alone will have dire consequences for them if their housing benefits are not being payed?

 

I just think its a total mess

Edited by kAPPS

Share this post


Link to post
Share on other sites

Budgeting loans will still be available to UC claimants under the new name Budgeting Advances


scotgal 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...