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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Amount of income support as a carer


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I've claimed Income Support as a carer (on carers allowance at £59.75) and was expecting my first payment of IS tomorrow, but have received one today in my bank for £13.01 which seems quite low to me and am not sure how it has been worked out.

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Hi Arthur and welcome to CAG

 

 

 

Status Age Weekly payment

 

Single 16 to 24 £56.80

Single 25 or over £71.70

Lone parent 16 to 17 £56.80

Lone parent 18 or over £71.70

 

A proportion of your Carers payment is taken from your IS payment.It is classed as income.

 

https://www.gov.uk/income-support

 

Regards

 

Andy

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You should receive a letter explaining how it's been worked out. The payment you've received may be for a shorter period than your normal payments will be.

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Yes. The way to work it out is (numbers approximate):

 

Single person basic rate: £71; plus

Carer Premium: £30; to give

Applicable amount: £101 per week

 

Then subtract Carers Allowance: £60 per week

and also subtract any other income, any tariff income for savings;

and finally subtract any other deductions (for example, past benefit overpayments, any child maintenance etc)

to give the final weekly total.

 

As I said, it's possible that the £13 payment covers a period of much less than a week. IS is paid in arrears on a specified day of the week, and this can lead to odd situations where you would be due a small payment up to your last specified payday, but your next payday hasn't yet arrived.

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.

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