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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Superdryguy2k10

Benefits whilst Employed and Also Self Employed

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Hi all. Wondering if someone can help me.

Up until recently I have been working but had a universal credit claim running in the background for 6 months. In August I earnt 1400 through my PAYE job but setup self employed and the total expenses that month were 1200 approx giving a net income for that payment period of 200. Does dwp account for net income across both jobs for benefit purposes or just my main PAYE job which I am no longer doing.

Any help will be appreciated.

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How does DWP know about your self-employment expenses?

Have you declared the self-employment?

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I've been self employed for one month and have just setup. They don't know about it as of yet but am querying whether the PAYE job and self employed job interlink to get a net income or whether DWP just use my PAYE income to determine benefits

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All income is used in any calculation of means tested benefits, be it PAYE, cash in hand or self-employment. They will then disregard what they can under regs.

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Thanks Tom. So I'm presuming the calculation will be something along the lines of 1400 PAYE income minus 1k stock and 200 travel = 200 net income. Obviously provable when I do my first SA.

Think I've missed the cut off for August so I'll just have to lump that one but nice to know for September

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If you are PAYE from your business then that's the income they will use, I presume you are a PAYE director? Sorry I thought you had a PAYE job and did some self-employment as well.

 

If so the business assets etc should I believe be ignored as you are not self-employed but employed by the business you run.

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Hi Tom. I had a PAYE job until August which paid 1400pm. In August I setup self employed....my income for my PAYE job paid me 1400 but the setup for self employment cost 1200....so net income was 200. I am now self employed only. Hope that makes sense

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So it was 2 different employment. One PAYE job from a company i worked for and one self employed income.....or loss due to setup costs, stock etc.

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I get it, not sure how they would figure that out, in theory the £1400 is still income and they may treat the self-employed as nil income for the time being and review as the business takes off.

 

This is one of those oddities that isn't catered for in the normal way.

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