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    • The employer should consult staff about furlough and ideally they should be transparent about what's happening, but this is all new.   Emmzzi may know more than I do.   HB
    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
    • Note that most experts believe that re infection cases are faulty tests. Plus there are always a small number of people who can get something twice. I can attest to this as I was unfortunate enough to get Chicken Pox again as an adult, something I wouldn’t wish on anybody.
    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
    • FCA announcement 9/4/20 From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
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jacko251

Benefit help wanted please..confused :)

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Hi, I am new here. I was directed to the forum by a friend who uses the site regularly and I would appreciate any help that I could get.

 

I work part time in a pub, earning £119 per week.

 

My husband has always worked full time but lost his job last week through redundancy. Because he swapped jobs 18 months ago he will not be entitled to any redundancy pay and with the current situation, the pub where I work is closed and my employer is sorting out with HMRC for 80% of my wages.

 

So... we know absolutely nothing about claiming benefits as we have always worked. Anyway, I managed to submit a claim for Universal Credit last week and we have had over the phone interviews. We have been accepted for an advance to last us until the first payment is made and we have to pay it back over several months.

 

We have just been told by a relative that my husband should be able to claim new style JSA for 182 days separately but as well as universal credit as he has made enough national insurance contributions.

 

Is this right? As I wouldn't want to try to claim something else and mess up the original claim. Also, would it just get deducted from the universal credit claim anyway as extra income? Or perhaps so much in the pound? I am confused.

 

Any help or advice would be greatly appreciated as we are quite worried about it all and we totally understand there are millions of people also in a state at the moment. Hope everyone is ok and staying safe...that is the most important thing!

 

Thank you in advance.

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Hello and welcome to CAG. I'm sorry to hear about your problems.

 

People should be along later to advise, please bear with us until they're able to get here. :)

 

Best, HB


Illegitimi non carborundum

 

 

 

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New Style JSA is paid if you have enough national insurance contributions and can either be claimed on its own or with a top up of Universal Credit (UC) if you live in a full service UC area and need to claim for other family members or housing costs, for example.

 

http://benefitsaware.centralenglandlc.org.uk/new-style-job-seekers-allowance/


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thank you for a quick reply

 

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Please be  aware that if there is a Universal Credit  claim and New Style Contributions based JSA claim, that the amount of JSA will be deducted from the Universal Credit payments.

 

The reason some people claim the JSA amount in addition to UC, is that JSA is paid fortnightly, so it can help with budgeting.

 

https://www.gov.uk/guidance/new-style-jobseekers-allowance

 

Another issue you need to be aware of, is that if the employers report any final wages and holiday pay late, that this may then be considered, when the first UC monthly payment is calculated.  UC will always take into account any employment earnings that are reported during any UC assessment period.   If this does happen and you can prove that the earnings were actually paid before the UC claim, started you can raise a dispute with UC.  Obviously wait until the first UC statement is added about 3 days after the end of the first UC assessment period.  It may all be correct hopefully, but thought it was worth mentioning.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Thank you for the reply.

I am just wondering if it might then be a good idea to claim the JSA as I think our first payment for UC will probably be zero anyway as the assessment period will show that my husband received around 700 pounds from his employer...final pay, holidays owed etc and although it might sound great, it has only just about scraped to pay our bills for this month and so if I am right, we will have to now wait until the end of May before they actually pay us anything.

If we also claim the JSA, we would still get paid that wouldn't we?

And in the following months (unless he's back in a job) the JSA will just get deducted from the UC so we wouldn't be any worse off.

Am I right? Is it a good idea or not?

As you can tell we are definitely not clued up on this and don't want to shoot ourselves in the foot.

Thanks again

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