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    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   To my surprise they have granted this and are paying money into her business account.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
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NRAM arrears due to issue swapping DWP ISMI payments during a remortgage

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This was some time ago now so my memory of it is a little rusty, although I did find a letter I wrote to NRAM at the time which seems to detail most of what went on. I don't have a copy of any reply from them so may send an SAR to see exactly what went on.

 

Basically I was on ISMI with DWP to pay the interest part of my mortgage while in receipt of Income Support. We remortgaged our existing Northern Rock product to a new one with them for a better rate but with no new borrowing. The account number changed and I was not aware I had to notify DWP that we had a new account.

 

Consequently the DWP payments were returned to them, and my standing orders were also returned - in both cases because the payments were sent with the old account reference.

 

Sods law has it that I wrote to them asking for 6 month payment holiday at the same time, so I didn't worry that the payments were being returned. The DWP should have notified me that the benefit was stopping - but they never did. The first I heard of any issue was when NR wrote to me saying we were 2 months in arrears.

 

It took quite a while to fall into arrears as we had 4k in overpayments on the old account which carried to the new one.

 

Now that my credit file is almost clear I have started to pay attention and realise these late payments on my mortgage will be a problem when I come to remortgage soon to come off the SVR onto a good fix rate.

 

Part of the text of my complaint letter to NR back in 2008 is pasted below:

Dear Sirs,

 

I am writing to update you as to our situation and what we are doing to bring our account back up to date.

 

Our account went into arrears without my knowledge as I was under the impression that we were in receipt of Income Support Mortgage Interest payments from DWP. It turns out that when I remortgaged with you back in March of this year, I was supposed to inform the DWP of this and the new account number. I was not aware of this requirement at the time.

 

As the previous account had an overpayment of around £4,000, it took some months before the account went into arrears but during this time, you received no payment from myself (I had not changed the standing order with my bank to reflect the new account number) or the DWP. At around the same time in March, I wrote to you to request a 6 month payment holiday to which I received no response and I can now only conclude that you did not receive this letter. However, with my assumption that you had agreed to this arrangement, I was not unduly concerned to see my standing orders being returned to my account each month around 10 days after they were sent to you.

 

The problem lies in the fact that once DWP were formerly notified by you in May that the previous account was settled (due to the remortgage), they suspended my ISMI payments (although all of their payments will have also not been credited to the new account due to a change of account number). What they then failed to do was notify my of this which is standard practice with the suspension of benefit.

 

The problem then went un-noticed by us until you wrote to us to inform us that our account was already 2 months in arrears which has left me precious little time to resolve it. As soon as I received this notification, I contacted the DWP who told me I should have contacted them in May but as I had not been formerly notified, I was unable to do this (if I had, the overpayments on the account should have been sufficient to resolve this with DWP without the account falling into arrears). Within 2 working days, they then sent the formal written notification and I immediately started a new application (dated 10th of October) for Income Support along with a request to back-date the claim to March as I had not been given notification from them in time to appeal the original decision to suspend the benefits.

 

This application is ongoing and I will be attempting to chase this up on Monday but they are being characteristcally slow in processing this new application.

 

Earlier this month, I was able to pay you £1,000 from my Wife's credit card but we now have very limited additional funds and may struggle to pay more than £3-400 per month until the ISMI is re-instated. You may note from your files that the reason for our being in receipt of ISMI is related to my having to give up work in October 2005 to care for my wife who had been diagnosed with Multiple Sclerosis and whose condition had deteriorated significantly. I am still my wife's full-time carer and our only source of income is her disability benefits and my carer's allowance.

 

However, my wife's condition is improving and I now have a start date and employment contract for a new job which I start on the 9th of February 2009.

 

I hope that you are able to exercise additional flexibility – and I appreciate your approach thus far – to enable me to clear these arrears in February/March. In an ideal world, the DWP will make a quick resolution and will also advance funds to you.

 

I look forward to hearing from you shortly.

 

 

Kind regards

 

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