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    • 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    
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diane9994

Jobseekers Allowance Query

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Hi

 

I have recently applied for jobseekers, the first time in my life I have ever claimed any sort of benefit.

 

I have been told I have not paid enough in NI to qualify ????!!!

The 2 tax years they are using to access my claim are

2011 I earned £20115.00 and paid £1849.00 in NI

2012 I earned £38494.00 and paid £3767.92 in NI

 

I cannot believe I have not paid enough NI, can you. Any help or advice would be appreciated.

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Hi

 

I have recently applied for jobseekers, the first time in my life I have ever claimed any sort of benefit.

 

I have been told I have not paid enough in NI to qualify ????!!!

The 2 tax years they are using to access my claim are

2011 I earned £20115.00 and paid £1849.00 in NI

2012 I earned £38494.00 and paid £3767.92 in NI

 

I cannot believe I have not paid enough NI, can you. Any help or advice would be appreciated.

In simple terms, there are two types of benefit for Job Seekers.... the first is based on National Insurance Contributions, and the second is not.

 

There should be no problem... and provided that you dont exceed the savings limits, you should receive confirmation of the amount you will get in due course.

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Hello and welcome to CAG.

 

I'll move your thread to the benefits forum and leave you a redirect from here. Rebecca's given you some good information and other people may be able to add to it.

 

My best, HB


Illegitimi non carborundum

 

 

 

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There are TWO contribution conditions and both need to be satisfied to qualify for JSA. The first is that class 1 contributions have been paid or treated as being paid or credited and must be at least 26 times the LEL (lower earning limits) The second one is that Class 1 contributions have been paid or treated as being paid or credited and must be at least 50 times the LEL for each of the last two complete tax years before the start of the benefit year.

 

LEL = £107 p/w

Did you claim for JSA (IB) at the same time? x

Edited by scotgal68

scotgal 

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It isn't the actual amount of NI that you pay it's the number of contributions you make in each tax year.

I think it is 26 weeks for each year but not 100% certain sorry.

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Hi Thanks for your reply. As I have never done this before I just filled in the forms at the job centre as requested and no one mentioned what the requirements were or that there were 2 types.

 

Does that mean that

one type you have to have paid 26 x LEL ( £107 ) =£2782

type 2 50 x LEL =£5350

this seems an awful lot and a lot of the people there I spoke to ( IE jobless not staff ) have only been earning £12,000 + ??

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Thanks Rebecca, I have had a letter saying that I do not qualify ?? I can't believe it ??

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You have to have paid enough conts in the two relevant tax years, in your case 2010/11 2011/12. This applies only to the JSA© element. The JSA(IB) is not based on contributions but things like savings, pay in lieu of notice or why you left your job and if you have other income, ie from a partner, can affect entitlement.

You should qualify for JSA(IB) if you meet the conditions. I've not worked in JSA for years so I'm not up to date with

conditions of entitlement x


scotgal 

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did you make your claim in 2012 or 2013?


If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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My husband has just had the same problem. The jobcentre said he was not entitled to contribution based JSA as he had not had enough contributions. We did not believe this so we wrote to HMRC for a breakdown which they sent to us and we sent this to DWP. They totally ignored our correspondence asking them where they got their information regarding NI contributions and sent them the report from HMRC. Only by getting in touch with our local MP who wrote to them on my husbands behalf did we get a reply to our queries. On receiving correspondence from our MP they finally wrote back to us (nearly 12 months later). They apologised that they had made an error when processing our claim(what a suprise), but they said they would not pay him JSA because failed to continue signing on. The reason he did not continue signing on was that they said we was not entitled to JSA. It is worth checking with HMRC about your NI contributions because the DWP do not know what they are actually doing. They have since sent my husband a 17 page claim form to complete for a very small sum for the 3 weeks that was signing on. He is refusing to send this back to them as it is a waste of taxpayers and our resources. What a shambles for a government department. My husband has been working since he was 15, now 62 and them saying he has not paid enough contributions!

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The Jobcentre can make and does make mistakes when calculating entitlements. If you make a complaint make sure you send it to the Benefit Centre, not the Jobcentre. I believe the BC's have the last word over entitlements.


"Ask not what your country can do for you, ask what you can do for Poundland"

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We sent all our correspondence to DWP in Birmingham not the local job centre as they have really bad record in making errors. They made an error on my daughters Housing Benefit some time ago when she was going through a bad time and are making her pay back £1,500, they even admited it was their fault in miscalculating it but said she still had to repay it even though she appealed in writing. She is not receiving housing benefit now only child tax credits and statutory maternity pay until she goes back to work next month. She is really struggling financially and paying this back each month is making matters worse. I believe if they make the error then you should not have to pay this back. I hear the same thing over and over again about them making these errors and forcing you to repay the money.

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