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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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Holiday on the Work Programme


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Hi all,

 

I know this may be a bit of an obvious answer but what do I do about having a 2 week holiday while on the work programme (Sarina Russo)? One of my pals booked a holiday cottage in Scotland for 2 weeks but cant go - I reluctantly volunteered (yeah right lol). The dates are Wednesday (5th March) until Wednesday 19th March. This would mean missing a signing day and no doubt an appointment or two with my WP adviser. So, what do I do? Is there a form to fill in and send off? What do I do about appointments with my WP adviser because when I see him tomorrow, no doubt he will make me another one then and there? Ive not had any holiday so this would be my first and Id like to take the 2 weeks all at once. Are there any forms I can print out and send off rather than go into my JCP?

 

Thanks xx

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Yes, you can take a single break of up to two weeks within the UK and be exempted from normal jobseeking requirements for that period. That includes WP appointments, although you should inform your WP adviser of your plans, ideally before they make any more appointments for you.

 

There is a form to fill in, and it's probably available to print out online somewhere though I can't say where. Anyone else have any idea? However, given the short timescales involved, I'd say it might be better to drop in to the Jobcentre and sign it there and then.

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Don't know where to find the form online either, so pop in to the Job Centre on your way to/from the WP appointment.

 

You must inform the Work Programme provider of the holiday dates - Draw up a short letter and hand it to the adviser tomorrow and insist on a receipt.

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yes definitely make sure you inform your WP provider as my friend got sanctioned even though he filled out a holiday form and the jobcentre had oked it. apparently it was a case that ingeus did not put that he was on holiday into the system.

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Not sure how it works with the WP, but you can certainly have a holiday from the job centre. when i did it you had to fill a form in, and aslong as promise to be able to be contacted by phone while you're away, and keep up with your job search you'll be fine. (even if you're not planning on doing job search) tell them you are. its less hassle that way.

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Thanks everyone. I saw all your messages after my appointment and I think the holiday has been delayed a week or two but still need and appreciate the advice you have given me. One last question though, I have been told that I wont get paid until I come back and sign, is this true? I know when Ive had a 2 week sickness, I got paid on time during this sickness period without signing.

 

Thanks xx

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Thanks everyone. I saw all your messages after my appointment and I think the holiday has been delayed a week or two but still need and appreciate the advice you have given me. One last question though, I have been told that I wont get paid until I come back and sign, is this true? I know when Ive had a 2 week sickness, I got paid on time during this sickness period without signing.

 

Thanks xx

 

I got paid when i had a holiday, but then i was only away for one week and didn't missing my signing on day. and i did promise to look for a job whilst away.

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