expenditure guidelines/SOA for BR - single person on JSA

andyf1980

I'm not sure that many people find a job very quickly in this climate. I was unemployed for six months and I applied for practically anything. Even shop jobs had 50 or a 100 applicants. It's particularly hard if your cv shows that you have been in a "responsible" job and you are applying for something at minimum wage.

HappyMJ

andyf1980 wrote: »

I'm not sure that many people find a job very quickly in this climate. I was unemployed for six months and I applied for practically anything. Even shop jobs had 50 or a 100 applicants. It's particularly hard if your cv shows that you have been in a "responsible" job and you are applying for something at minimum wage.

Most poeple do find work within 6 months. Yes you are an exception I am as well having not had a full time job for 16 months but more than half of those who sign on for JSA will sign off before they get to 6 months. I'm not saying someone on a high salary previous should be applying for shop jobs (they only pay a few quid more than all the benefits combined anyway) but there are jobs around for the best top quality applicants or there is always the option of going self employed and doing anything for a few quid which is what I do now and make much more cash than signing on every two weeks. I never did apply for everything and especially never minimum wage jobs I only ever applied for 1 or 2 jobs a week in IT but I spend hours on the application calling the company and getting every bit of info possible. They know who I am before they get my CV. I'm usually called in for informal chats rather than formal interviews and usually get some work out of it. It's not full time but a day here and there is loads better than nothing.

andyf1980

Fair play HappyMJ.

I got to the abject despair stage where for my own sanity I needed to be working whether I was financially better off or not.

Strangely enough not long after I got a full time job in a completely different sector which I love. I think a lot of looking for a job is about being in the right place at the right time.

Apologies for hijacking the op's thread.

I guess all I'm saying is that I went br on contributions based JSA and didn't follow CCCS advice. Everyones situation is different though and I'm not saying it's the right thing to do, just what I did :A

grumpyoldwoman41

andyf1980 wrote: »

CCCS told me to do that as well and I still went br. I was on JSA, CT Ben and Housing Ben.

Andy, thanks for that - this is what I plan too.

How did you go about it if you do not mind me asking?

They expect one to "get advice" - the advice I was given was against BR, I still want to go BR, what is the way round it - if anyone knows?

Thanks

grumpyoldwoman41

HappyMJ wrote: »

Why do you need to go BR right now? If you have no income the creditors will not harass you(well not too much anyway). Simply say to them I'm unemployed and can only offer £1 per month. They cannot get money from you if you have none to give. Then you can use the money you would have spent on the BR actually living rather than worrying about this.

Because I want to have it done and over with in the shortest possible time. Paying the creditors at £1 per month is going to never end, new job is going to mean a new DMP and living on next to nothing anyway - God knows for how long.

With BR, even if I do get another job quick and even taking into account the new regulatons that came to life on 1st December - it is a max 3 years IPA/IPO (if I find a job) or no IPA/IPO and discharge after one year (so no more IPA/IPO can be ordered then) if I do not find another job within a year.

Is this so difficult to understand?

Thanks for posting, all replies appreciated.

tigerfeet2006

grumpyoldwoman41 wrote: »

Andy, thanks for that - this is what I plan too.

How did you go about it if you do not mind me asking?

They expect one to "get advice" - the advice I was given was against BR, I still want to go BR, what is the way round it - if anyone knows?

Thanks

What the court snd the OR want to know is if you have had advice and understand ALL the implications of the process of BR. Which you have and which you do

If you want you can always ring National Debtline and run your situation by them as well, always good to get various opinions.

grumpyoldwoman41

Tiogerfeet - where do I send that box of chocolates too please?

Thanks a lot.

I thought that they want to know that someone has advised me to go BR... I see now.....

Uffffff (sigh of relief)