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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • I made that payment on 13th Feb, then it all went down hill. 
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
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JSA IB - amount they take away - this can`t be right


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Hi, Just got my decision from DWP and they will pay me 85.81 because they will be taking away 26.74 out of 112.55

Why are they doing this? the letter says it could be because of other:

- social security benefits (well I`m in receipt of WTC and CHTC, I will have to stop WTC, and I`m getting HB - now it will cover all my rent as I`m unemployed).

- earnings (I have no earnings coming in now)

- savings over 6000 (at the time of making a claim I had about 2300 in bank accounts and 1500 at home)

- other money coming in (there is nothing else coming in apart from benefits)

 

did they made an error or did I missed something?

is it worth appealing?

how much should I be getting?

are they taking into account money that used to come in to my account from the job I was doing? there was no money withdraws from my account in lump sums for several months so they can`t say I did hide the money somewhere.

Please give me advice as I`m thinking about appealing their decision.

thanks

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did they check it themselves as they did`t ask me for any letters from HMRC.

And another think is I was one week on JSA IB last year I had the same circumstances as now (I was getting the same befits) and there was no deductions.

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Yes they usually have access to central database of what your getting.

I had similar issue when I claimed esa as had just left work and was getting wtc but it had been lowered a lot since claiming an they deducted higher amount :(

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If it is WTC then the deductions should stop when WTC payment stops, and you'll get full JSA. Check that the amount being deducted is the same as your weekly WTC, and call them to query if there's a discrepancy.

 

They have access to a database called CIS (Customer Information System) but it can be slow to update, leading to situations like the one mentioned by 2ltr16valve.

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HMRC is paying me 26.77 every 4 weeks and DWP is taking away 26.74 every week.

do you think that could be the case but someone does`t know how to use the calculator ?

it`s like tesco employers :) I bought 6 bottles of coke on a deal 2 for £2.50 a the till deal was different it was 3 for £5 so I went to customer service as I was overcharged £2.50, women behind the counter was about to give me back over £8, where do they take this people from?

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Well, it's more likely in a case like this that the figure the processor used was entered automatically by the JSA payment computer. So even if the processor noticed it was a few pence out, well, they could spend the afternoon chasing around trying to find out what was going on, or they could say "heck, it's only 3p a week and I've got 25 more claims to do before 5pm. Onwards and upwards!"

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Well, it's more likely in a case like this that the figure the processor used was entered automatically by the JSA payment computer. So even if the processor noticed it was a few pence out, well, they could spend the afternoon chasing around trying to find out what was going on, or they could say "heck, it's only 3p a week and I've got 25 more claims to do before 5pm. Onwards and upwards!"

its not 3p as HMRC pays me 26 every 4 weeks and DWP is docking 26 every week. so I`m 75 worst every 4 weeks :(

I would`t worry if it was 3 p :)

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Right, I see. It sounds like someone has taken entered it for the wrong period - perhaps miskeying it as weekly figure instead of four weekly. It happens. In which case it's definitely time to complain - they should fix the error and repay anything taken that shouldn't have been. Or if it's not related to WTC, they need to tell you specifically what it is.

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Right, I see. It sounds like someone has taken entered it for the wrong period - perhaps miskeying it as weekly figure instead of four weekly. It happens. In which case it's definitely time to complain - they should fix the error and repay anything taken that shouldn't have been. Or if it's not related to WTC, they need to tell you specifically what it is.
thanks for your advice. I will complain asap. Is there a way to send it by fax? As I could do it for free without need of printer and postage. Otherwise it will cost me money again :( I know its not much but still something that I rather spend on kids than on postage :)
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Hang on a sec - If you are claiming JSA, how are you getting Working Tax Credits ?

Surely WTC is paid when you are in (low paid) work ?

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No... you can't eat my brain just yet. I need it a little while longer.

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Hang on a sec - If you are claiming JSA, how are you getting Working Tax Credits ?

Surely WTC is paid when you are in (low paid) work ?

 

Unless it has changed, there is a four week run-on for WTC after you finish work. This counts as income for JSA(IB).

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

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thanks for your advice. I will complain asap. Is there a way to send it by fax? As I could do it for free without need of printer and postage. Otherwise it will cost me money again :( I know its not much but still something that I rather spend on kids than on postage :)

 

I'm not really sure if processing offices will accept claimant enquiries by fax. If you're close to a Jobcentre you could drop in and ask them - you'd need to get the relevant fax number in any case. You could always use the phones in the Jobcentre. It's likely that the call centre agent who answers your call won't be able to handle a case like this there and then, so they'll probably refer it onwards for a callback from the processing team.

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

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... so I went to customer service as I was overcharged £2.50, women behind the counter was about to give me back over £8, where do they take this people from?

The confusion might be to do with Tesco having had a policy where, if you were overcharged charged at the till, they refunded double the overpayment plus gave you the goods.

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Unless it has changed, there is a four week run-on for WTC after you finish work. This counts as income for JSA(IB).

 

thats what I was adviced last year by HMRC last year when reported changes in circumstances.

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The confusion might be to do with Tesco having had a policy where, if you were overcharged charged at the till, they refunded double the overpayment plus gave you the goods.

even if that was the case it would`t work out as Tesco employer did it.

never mind, at the end we all paying for them mistakes as Tesco just increase the prices to cover the money they loosing.

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