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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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Jmulv

Post work programme support - Your experiences?

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Jmulv,

 

That’s OK if you’re content with playing it safe and generally abiding by the rules because you don’t find them too bad. But whose rules are you abiding by and do they have any legitimacy?

 

You say almost the opposite in another recent post, that you are being asked to do something that you really can’t be doing with and that it is ridiculous.

 

If you haven’t realised it already you will ere long that every inch you give they will come back at you for another mile. This is what you get for playing along and being compliant. It makes it all the more galling that you are accepting conditions that can’t be enforced by law written into a commitment that is in itself illegal.

 

You need to decide for yourself whether to accept what they throw at you or fight back. If you decide to fight back you take action using the law as your weapon of choice. It will be tough but even if you have setbacks they can’t make things much worse for you than they appear to be making them already.

 

The PWPS was supposed to be for JSA claimants leaving the Work Programme prior to 28th April 2014 and was meant to last for 6 months but nothing was arranged to replace it or to follow it for JSA claimants. I went onto it back in July 2013 and as far as I know I am still on it and what they can do for me, or more accurately to me, is governed by the PWPS Guidance.

 

The HtW scheme was introduced for JSA/CC claimants who left the Work Programme after 28th April 2014. JSA claimants on PWPS cannot be put on this scheme. Paragraph 3 of the HtW Guidance states this categorically.

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Boomboomboom,

 

It would be nice to know exactly what the name of the scheme that your friend is on is. Does it come under PWPS or HtW or some other?

Could someone already on PWPS or HtW get on it just like that?

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Boomboomboom,

 

It would be nice to know exactly what the name of the scheme that your friend is on is. Does it come under PWPS or HtW or some other?

Could someone already on PWPS or HtW get on it just like that?

 

its not a scheme its a place like used for a work club also has courses u can do like computing or care etc and the person is doing a business admin course which is for 20 weeks no signing on

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Do you know if or when your friend came off the Work Programme?

 

I know of the bit of the law that says a Jobseeker's Allowance claimant must sign on fortnightly to confirm that they are available for work. I know of the bit that says the claimant must show evidence of actively seeking work. I know of the bit that says failure to comply with the above two bits will result in Jobseeker's Allowance not being paid.

 

I'm afraid I haven't seen or heard of the law that seems to repeal two of the major provisions of the Jobseekers Act 1995.

 

There just has to be something that has so far not been disclosed.

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its not a scheme its a place like used for a work club also has courses u can do like computing or care etc and the person is doing a business admin course which is for 20 weeks no signing on
yea my sister went on a 20 week course i think its for people who havnt finished the work programme though and also im not sure it is available in England as she lives in north wales and your in scotland and i know wales have more full time courses available for those who are on the work program and also in wales they dont have pwps they still have the old job club phase that used to be in England until bout 10 years ago

TJR JNR

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She did a 20 week course on baking and cake decorating then another one training with a housing association to be a housing officer


TJR JNR

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So to update this thread again,

 

Not much has been happening after work programme for me, it's just been weekly signing on and sending me to the odd course here and there.

 

Now I've been notified today I will be placed on mandatory work activity scheme, I really can't be bothered with this. However she did say it'd be something charity based and I thought ok well not so bad I guess.

 

I have to go for 4 weeks full time hours, it also says on the sheet I have to job search and still attend the job centre. This is ridiculous? if I'm basically working full time how will I attend the job centre every week....

 

Has anyone else been sent on MWA? what have your experiences been?

 

I may make a separate thread to find some others who've been sent on it.

 

They also keep hassling me about universal job match in various ways, telling me oh using universal job match is on your claimant commitment etc (Which I know she's trying to use careful language to scare me into using it and allowing her access but I'm not stupid I just nod along knowing she is powerless to make me use it). I will not give them UJM access no chance am I going to open myself up to another line of fire. I usually write my job searching activities down and bring in print off's of jobs I've applied for.

Yes Mandatory Work Activity is for those who finished the Work Programme Before April 2014 and cant be put on the Help To Work Scheme - normaly your Work Coach Will Look to Put you forward for it after Being on Post Work Program support Longer than 8 weeks or more but normaly only if you are not doing any voluntary work- my old job coach put me forward for it and told me he will give me 4 weeks to find my own voluntary work or i will have to go on MWA but he got transfered to another jobcentre also u cant choose what your MWA will be as it covers Litter picking , and up keep of public buildings and also all local Recycling Plants are signed up to it aswel so it aint just charity shop work


TJR JNR

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yea my sister went on a 20 week course i think its for people who havnt finished the work programme though and also im not sure it is available in England as she lives in north wales and your in scotland and i know wales have more full time courses available for those who are on the work program and also in wales they dont have pwps they still have the old job club phase that used to be in England until bout 10 years ago

 

i think it is also for people who have not been on the work programme either as the person u was starting her 20 week course said i only started signing on in january and she never been to a work programme so am guessing u can even if your not on the work programme

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are u sure?

 

as i spoke to the woman she told me no more job search or going in to the jobcentre or carrying them silly work booklet for 20 weeks and i said u sure u dont have to do job search she went no and thats what the advisor told her and she will be at that course for 20 weeks and dont worry about anything as u will get your job seeker money and she told me to do the same thing as it will give u more experience after it and saves u 20 weeks of jobsearching and lets u keep your mind on a course u wanna do.

 

Just might be wise to check with the JC and get them to confirm - in writing - that jobsearch evidence will not be required for the time you're on the course.

 

People running courses can say one thing and the JC say another, as we've all found out before. Wouldn't want anyone to be caught out. Be nice if you really don't have to do jobsearch or sign on for 20 weeks though

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Yes Mandatory Work Activity is for those who finished the Work Programme Before April 2014 and cant be put on the Help To Work Scheme - normaly your Work Coach Will Look to Put you forward for it after Being on Post Work Program support Longer than 8 weeks or more but normaly only if you are not doing any voluntary work- my old job coach put me forward for it and told me he will give me 4 weeks to find my own voluntary work or i will have to go on MWA but he got transfered to another jobcentre also u cant choose what your MWA will be as it covers Litter picking , and up keep of public buildings and also all local Recycling Plants are signed up to it aswel so it aint just charity shop work

If a future Administrative Assistant (despite calling themselves the ego-boosting term Work Coach) wishes to arrange an MWA - then advise them to Bring It On, and simply respectfully suggest that Voluntary Work is not Voluntary if there is even a hint of coersion. And simply cordially suggest that, if they were to ring an employer on your behalf, they may even be able to arrange an interview, and a job offer.

 

If you are skilled for the jobs that you are applying for, and possess qualifications, and do everything which is specified within the Job Seekers Agreement, then there is no logic to waste time on MWA - however, there is logic in such an eventuality for you to report the Placement Organisation to HMRC for an attempt to perpetrate Tax Fraud. If you are doing any form of job, and subject to a Verbal or Written Contract of Employment, then are you are legally entitled to National Minimum Wage, and the State entitled to its fair share through Tax and National Insurance.

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If a future Administrative Assistant (despite calling themselves the ego-boosting term Work Coach) wishes to arrange an MWA - then advise them to Bring It On, and simply respectfully suggest that Voluntary Work is not Voluntary if there is even a hint of coersion. And simply cordially suggest that, if they were to ring an employer on your behalf, they may even be able to arrange an interview, and a job offer.

 

If you are skilled for the jobs that you are applying for, and possess qualifications, and do everything which is specified within the Job Seekers Agreement, then there is no logic to waste time on MWA - however, there is logic in such an eventuality for you to report the Placement Organisation to HMRC for an attempt to perpetrate Tax Fraud. If you are doing any form of job, and subject to a Verbal or Written Contract of Employment, then are you are legally entitled to National Minimum Wage, and the State entitled to its fair share through Tax and National Insurance.

 

I had to laugh

 

Given my work history and background and current life circumstances I did just literally laugh. My advisor made it out how MWA Will help me and give me a bridge to gap the hole in my CV.

 

I really do not know what some of these people are taking, but I think a lot of them have lost touch with reality. Employers DO NOT CARE, if you've done 4 weeks litter picking. It's going to make sod all difference, I've no idea what the goal with MWA actually is but it is definitely not to help you get work that is for sure.

 

I wish they'd be honest about it instead of spew a pile of crap.

 

I'll do it, only because I have too. But I'm not buying into the collective job centre delusion that it is there to help me find work.

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I had to laugh

 

Given my work history and background and current life circumstances I did just literally laugh. My advisor made it out how MWA Will help me and give me a bridge to gap the hole in my CV.

 

I really do not know what some of these people are taking, but I think a lot of them have lost touch with reality. Employers DO NOT CARE, if you've done 4 weeks litter picking. It's going to make sod all difference, I've no idea what the goal with MWA actually is but it is definitely not to help you get work that is for sure.

 

I wish they'd be honest about it instead of spew a pile of crap.

 

I'll do it, only because I have too. But I'm not buying into the collective job centre delusion that it is there to help me find work.

 

MWA will help you and give u a bridge to gap the in my cv" surely not as like u just said 4 week litter picking is not really gonna get u a job in retail? or computing etc is it? they think if u added something new to your cv a job then ul be getting took on by an employer when u apply for them its utter crap there is no way i know someone who has 4-5 work placement and yet hes still not got a job yet so how they think this will work with a click of a button is beyond a joke.

 

hope u find full time or part work before any MWA

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as for my course i am planning to go on i am waiting on my ILA account as it is ILA funded so when this come through and i get it sorted out and sent away i should hopefully get more info to try get my adviser when i see her to let me go ahead with this as it is a course i would like to do and gave me a course to put on my CV.

 

can anyone answer this question.

 

why on job sites these days after a few jobs apps they tell u you can apply for another 3-6months? i really dont see the point in that especially when u are looking for work i just sign up using another email account i have to apply for it but i dont see the point in the cant apply for 3-6months.

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the interview i have been talking about am not sure if it would be any good for me "monthly" pay as the same job that was put up few weeks back put up 2 days ago saying "salary Monthly" and it will take me nearly an hour to travel to this place the bus times can range from 37mins early in the morning or it could take up to over an hour later on and if i go for a train 30 mins then need to wait on a bus which should take 10-15 mins travel but its the cost of epically if im gonna be a monthly pay its not like a can walk to work as it would take me up to 4-6hours lol!

 

i think i done this in the book or online UJM (maybe) a job i had applied for at a place few years ago maybe 2 or maybe 3 years and she called me asking if i wanted an interview and my parents and family told me i would not handle it and people leave there every month and i told her the job centre had made me apply for it but i wasnt keen on this and even tho they didnt tell me to apply for it the woman said am not the person for the interview but al pass it on as shes in a meeting and then 30 mins later got a call back saying dont worry u dont need to attend and i wont let the job centre know about it as if u are not wanting to do it then we dont want u coming here which is fine as if its not for u then its not for u nothing we can do and got nothing against so as i said we wont job centre know and be no need to worry.

 

so this just the same as what i am doing with this job i dont want to do? like i said the job above i had apply for was i few ago and the job centre never said a word about it.

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I can't figure out why you keep boxing yourself into a corner by applying for jobs that you can't do, that you can't get to or that you don't want and then worry yourself half to death trying to find ways to get out of it. Don't you want a reasonably quiet life of bliss?

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snip

 

 

sorry for adding this comment to the thread, boomboomboom can you clear you private messages, trying to send you one but it says your mail box is full so you cannot accept anymore

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sorry for adding this comment to the thread, boomboomboom can you clear you private messages, trying to send you one but it says your mail box is full so you cannot accept anymore

 

 

should be able to send a message to me now.

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I had to laugh

 

Given my work history and background and current life circumstances I did just literally laugh. My advisor made it out how MWA Will help me and give me a bridge to gap the hole in my CV.

 

I really do not know what some of these people are taking, but I think a lot of them have lost touch with reality. Employers DO NOT CARE, if you've done 4 weeks litter picking. It's going to make sod all difference, I've no idea what the goal with MWA actually is but it is definitely not to help you get work that is for sure.

 

I wish they'd be honest about it instead of spew a pile of crap.

 

I'll do it, only because I have too. But I'm not buying into the collective job centre delusion that it is there to help me find work.

 

Absolutely.

 

I've done some volunteering in the past and whilst it was was useful to me on a personal level (ie getting me up and about each day), no employer or agency I've applied for work with has been interested, I just get the usual 'and what about your last full time paid position?' question asked whenever I try to emphasise any useful activity I've done since becoming unemployed.

 

I finished with Ingeus last September and was sent for a MWA in November/December. I have 12 years clerical experience plus a number of clerical and IT based qualifications that I've achieved both in and out of work, and I was placed with......a 2nd hand council furniture store. Basically spent my 4 weeks doing nothing useful to my chosen career path, including some moving heavy furniture (and putting flat pack furniture together) and cleaning, despite both the JCP and the MWA provider (LearnDirect) knowing that I am actually limited in the amount of physical activity I can do (and that I actually receive low rate care/mobility DLA)....luckily the people at the placement were pretty reasonable, quickly realised my limits and didn't expect me to do anything I couldn't do, and I even ended up with a good reference from them.

 

Since then, I've had no interviews and barely any replies from jobs I've applied for, asides from automated acknowledgements of applications, and the agencies that have bothered to get back in touch with me aren't interested in the MWA at all as it has zilch to do with any of the clerical/admin positions I apply for.

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I was on the two year work programme through Inge(ni)us b***ards. I finished last October and since then the JCP doesn't seem to know what to do with me (for which I am actually very grateful) I sign on once every two weeks and this consists of a different advisor each time, who looks at my donald duck job applications - literally sometimes I'll write - position applied for Chicken sexer) and they sign me. Done and dusted in under two minutes. I don't mean to sound glib, but I'm SO grateful after going through the mincer at Ingeus that the JCP seem to have given up on me as a lost project so far. I'm left free to apply for REAL jobs rather than jump through all the training hoops.

The whole system seems rotten from the top down to me. I don't even blame the depressed JCP drones or the stressed and bitter advisors at Ingeus who go through the motions. It's all about targets and getting money for the top of the pyramid, whilst those at the bottom on the front line are not really doing any better than the clients (me) that they see.

What I find truly incredible is that to get my £70pw pittance JSA whilst at Ingeus I had to work harder to keep one step ahead of them and show I was fulfilling their arbitrary mandates than I ever did when I was in full-time employment on £450 a week!

 

I was in the same vote left me alone for 8 months after completing WP thinking this was a little strange myself sorry to burst your bubble,

but you will be referred to the CWP this is what happened to me which involves 6 months 32 weeks unpaid community work plus 4 hrs job search as well as still signing on & visiting your JCP adviser or they will stop your benefits so just be ready pal.

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i also left the work program last September.and i am just finishing my 4 weeks mwa . clearing out derelict buildings. now awaiting my next task.

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i also left the work program last September.and i am just finishing my 4 weeks mwa . clearing out derelict buildings. now awaiting my next task.

 

Did you have to do the CWP ?

Cause I think they have made a mistake putting me on this course after the 28th April 2014.

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Did you have to do the CWP ?

Cause I think they have made a mistake putting me on this course after the 28th April 2014.

not yet .but that could be next.

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Did you have to do the CWP ?

Cause I think they have made a mistake putting me on this course after the 28th April 2014.

you only Go to CWP if you finished the Work Programme After 28th April -people like me who finished before that date dont go to CWP and Stay on Post Work Programme for at least 26 weeks min an can be put on 4 weeks MWA after the first 8 weeks but then after 26 weeks it is then upto your MIR advisor and the jobcentre plus manager if placing you on CWP will help or give you a push to help you find work

TJR JNR

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you only Go to CWP if you finished the Work Programme After 28th April -people like me who finished before that date dont go to CWP and Stay on Post Work Programme for at least 26 weeks min an can be put on 4 weeks MWA after the first 8 weeks but then after 26 weeks it is then upto your MIR advisor and the jobcentre plus manager if placing you on CWP will help or give you a push to help you find work

 

Well I finished the WP work program 29/07/2013 just after then I have had a job for 2 months, my adviser has only just stuck my on CWP community work program . So not a clue where I stand with it all had one appointment pulled a sickie today 2nd visit, just sorting out JSA28 form. from what I gather no one is having any luck getting off CWP do you think I have grounds for a complaint as well as being referred after 28th they gave me a CWPL1 by hand in JCP someone said it should of been a CWPL3 if it was mandatory they just make it up as they go along thinking of going to the CAB with this information what do you think is there any point really?

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Well I finished the WP work program 29/07/2013 just after then I have had a job for 2 months, my adviser has only just stuck my on CWP community work program . So not a clue where I stand with it all had one appointment pulled a sickie today 2nd visit, just sorting out JSA28 form. from what I gather no one is having any luck getting off CWP do you think I have grounds for a complaint as well as being referred after 28th they gave me a CWPL1 by hand in JCP someone said it should of been a CWPL3 if it was mandatory they just make it up as they go along thinking of going to the CAB with this information what do you think is there any point really?

I havnt a clue with you having found 2 months work you must fall into the Mandatory CWP group which is just unlucky


TJR JNR

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