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    • cadbury...listen carefully.   you have enough medical issues to get yourself under the care scheme. go ring this number..   08000728625   tell them your story.
    • Thanks Andy, how can i pay Barclays direct if they have passed it onto Arvato...or westcot.?..(or both at various stages apparently?).  And as forBarclays saying because of their own mistake /breech of cca rules etc, they would never take it to court...have they just offloaded it to these stupid debt collecting idiots/
    • The only reason I don't want to enter a DRO unless absolutely necessary is because I was reading that when renting your home the tenancy agent can kick you out of your home for entering into a DRO or IVA? Also, I currently rent my car on a PCP and I could have that contract terminated too?!   If I enter into the informal negotiations with my creditors via the pro rata letter, am I correct in thinking that this wouldn't affect my renting status and the my hire car?    What would I need to show them to provide income and outgoings proof? Bank Statements and Wage Slips?   x
    • pers I wouldnt touch an IVA with a barge pole. DRO if you must take such routes which is probably the best way for the future. as andy explained earlier   once you 'default' by entering into your own arrangement [our pro-rata stuff] the defaults are there for 6yrs anyway killing credit. but under the same breath, so is the DRO marker...   there is nothing to stop you doing pro rata..see how it goes then switching if needs be.  
    • pers id send by royal mail our vt letter.   see what they do.   Section 99 of the Consumer Credit Act gives the debtor the right to terminate a hire purchase agreement,  simply by giving written notice of termination.  . The right to terminate applies at any time before the final payment becomes due, unless the creditor has already terminated.  contrary to the line taken by many finance companies,  . the debtor need not have paid half the total amount payable,  and nor do they have to pay any arrears, [read below carefully regarding arrears ]. . before exercising the right to terminate.  . Sections 99 and 100 set out the debtor's liability on voluntary termination.  The sections are complex,  but their main effect can be summarised in brief as follows.  . If the sum of payments made and arrears before termination exceeds 50% of the total price,  than the debtor is only liable to pay the arrears.  . Otherwise, the debtor is liable to pay half the total price, less any payments already made.  .  so the debtor can terminate at any time if he has reached the 50 % mark but would be liable for any payments still to reach the 50 % mark,  .   it does not matter if the account is in arrears at the time or request to do a voluntary termination. . you need to specifically nail them down that this is a VT and NOT a VS Voluntary surrender]. dont get caught out!! . take extensive photos and video of the car inside and out  and underneath [use a selfie stick] and in the engine compartment  ALWAYS. . if they try and charge a repo fee or collection fee they cannot: . The only charges you must pay are the ones contained in the legislation and itemised in section 101,  the charge mentioned is levied after the agrement is terminated and is void in any case.  . All it means is that no one will collect the terminated car(their car), well that is ther problem it is no longer yours , your attachment to the car has been terminated.. . 173 Contracting-out forbidden. (1)A term contained in a regulated agreement or linked transaction, or in any other agreement relating to an actual or prospective regulated agreement or linked transaction, is void if, and to the extent that, it is inconsistent with a provision for the protection of the debtor or hirer or his relative or any surety contained in this Act or in any regulation made under this Act. . This term is covered by the above section of the CCA 1974 in that it breaches this: .  99 Right to terminate hire-purchase etc. agreements. .  (1)At any time before the final payment by the debtor under a regulated hire-purchase or regulated conditional sale agreement falls due, the debtor shall be entitled to terminate the agreement by giving notice to any person entitled or authorised to receive the sums payable under the agreement .  In other words nothing can stop you voluntarily terminating. . although dependant on the way your agreement is written, they can charge excess mileage .  this has been accepted at county courticon level, but afaik has not been tested in a higher court .. . . ..............example letter..ADAPT TO SUIT............. . You must vt under s99/100 cca1974. do not sign any of their forms, or agree to pay anything.  . The car has just to be in reasonable condition for its age.  If you have paid in excess of 50%,  with no arrears there will be nothing to pay. . Send them the following letter,  they MUST action your request,  you should endeavour to be present at the vehicle inspection--- . VOLUNTARY TERMINATION OF AGREEMENT UNDER S99/100 CCA 1974 .  Account No: (xxxxxxx) .  Dear Sir,  I am writing to notify you that I am exercising my right to terminate the above Agreement  under Section 99 of the consumer credit act1974.  . You will understand that the aforementioned section permits the debtor to terminate the agreement  at any time before the last payment is due.  . There is no restriction regarding the exercising this statutory right,  particularly none in respect of any perceived arrears or monies due on termination . I understand that I shall be liable to you for the amount calculated under the formula in Section 100  of the Consumer Credit Act 1974.  . **As I have/have not paid more than the amount calculated under the formula in Section 100 the amount due is £XXXX/zero. .  The above agreement will be terminated 14 days from the date of this notice. .  Please send me details of how the vehicle can be returned to you. .  You will be aware that statute prevents you from levying a charge for the recovery of this vehicle;  guidelines also state that if you require me to deliver this vehicle  it must be no more than a short (reasonable distance) from my registered address. .   Please confirm receipt of this request in writing within 7 days of receipt. . -Yours etc... ..  
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essexmat

DWP (Job Centre) - Want you to get back in to work and then set up to fail!

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That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL!

 

As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling.

I have been applying for work but getting nowhere

 

my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK,

I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc.

 

They tell me that they may have a few openings and would like to meet me

- fine, train fare to town return is £9.40.

 

As I am on UC almost £10 means a lot of food shopping and it is an amount that I can hardly 'lose' at the moment given my financial circumstances.

 

I email my 'work coach' and say I have arranged an appt with the agency and I would like to claim my fare back.

 

Guess what? DWP WON'T PAY IT as it is not an actual interview just registration.

So I say "if I want interviews I need to register so I am on their books"

- the answer (like a robot) "No we cannot pay your fare"

 

Fine, end of story, appointment cancelled

- you want to know why I have not been doing as you say and seeing agencies?

 

BECAUSE YOU (DWP) ARE NOT HELPING ME AT ALL WHEN I AM TRYING TO BE PROACTIVE FINDING WORK!!!!

 

What part of I am on UC and struggle with rent/food do you not understand?

 

Want me back in work and off UC then HELP ME WITH A LOUSY TRAIN FARE!

 

Angry? Yeah, expected this? Yeah ... DWP ... no help at all,

 

just keep cutting peoples money and offering no help at all.

 

Pathetic.

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Have you complained to your local MP?

 

This is exactly the sort of thing they need to be made accountable for, after all it's there train set, and only they can change the trisection of the [edited] DWP.

Edited by honeybee13
Pejorative terms removed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL!

 

If I lose my current job, I won't (thankfully) qualify for UC, so would fall back on claiming JSA. However, because I have a lodger, I wouldn't qualify for any JSA payments unless I made her homeless. Jumping through the UC/JSA hoops just for the national insurance contributions hardly seems worth the effort, and I most certainly will not take part in the next version of the Work Programme without substantial renumeration.

 

UC is a source of constant worry for my lodger, and the system failures in processing her payments constantly means she is in arrears with the rent. Just as well that I'm understanding and sympathetic in letting the arrears accrue.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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

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Ask about programmes such as Work and Health, which are designed to help those that have had health issues back into work. JCP will refer you and the organisation that runs the programmes will pay for travel costs to go to interviews with agencies etc. The work coaches don't have access to funds themselves to pay, but if you sign up to companies that receive funding, they can pay the costs you are concerned about.

 

If I lose my current job, I won't (thankfully) qualify for UC, so would fall back on claiming JSA. However, because I have a lodger, I wouldn't qualify for any JSA payments unless I made her homeless. Jumping through the UC/JSA hoops just for the national insurance contributions hardly seems worth the effort, and I most certainly will not take part in the next version of the Work Programme without substantial renumeration.

 

UC is a source of constant worry for my lodger, and the system failures in processing her payments constantly means she is in arrears with the rent. Just as well that I'm understanding and sympathetic in letting the arrears accrue.

 

Your lodger can request for DWP to pay the rent directly to you, provided there is evidence of a rent agreement. If the lodger is getting housing costs as part of their UC claim, this should have been verified. It is simply a case of the lodger making the request and you as the landlord will be asked to confirm your details to get paid direct.

 

The rules on direct payment to landlords changed early this month. Before the process was a bit messy. Depends on how good your lodger is in dealing with their benefits claim. If they are having problems with payments, it might suggest that there are other issues, you may not be aware of. UC is a digital service, where the claimant can print off their statement showing everything included in a month, including any deductions due to be taken off. If payments are late, perhaps your lodger has not met their commitments on time. They need to log into their UC regularly to undertake any actions required of them.


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If they are having problems with payments, it might suggest that there are other issues, you may not be aware of.[...] perhaps your lodger has not met their commitments on time.

 

Moving just before Christmas coupled with the seasonal delays that the festive period brings were at the heart of the payment problems. Due to a medical condition, she is currently exempt from looking for work or even engaging with the DWP. Over the next couple of months, I would hope things settle down and payments are made on time & the arrears cleared. With a bit of advice and guidance on budgeting along with life skills (she is young and still finding her feet in the world), I'm sure she will get to grips with the finances.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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

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Thank you to the site team for deleting the reply from yet another troll. I saw it last night and simply ignored it. I seem to attract them these days. I know I sometimes go off on a tangent and that is through sheer frustration so please let me know if I need to tone down my posts. I guess as this has not been deleted/altered it is ok.

 

I do find this a great site to vent as well as get valuable advice - it is just a shame, I guess like most sites, with people who can remain anonymous and hide behind keyboards they can get away with saying what they want provoking a reaction.

 

Keep up the good work guys and gals!

 

P.S What is this I now have under my user name "I record my calls.Do you?"

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P.S What is this I now have under my user name "I record my calls.Do you?"

 

It's an advert for Truecall, the ''Rolls Royce'' of telephone recorders, every home should have one!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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