benefit cap and all the tory crap help

BigAunty

DrGr wrote: »

the £110 goes to paying our loans from provident (we had to move towns and disctrict for safety reasons and to get in this house we needed £700).... i have a few debts we have payment plans with in total there £10 a week

You need a proper debt management strategy, one that can get this written off or down to payment of a token amount like a fiver a week and one that comes from a charity, not a company that gets fees for their help.

Your priority is your rent, not paying consumer related debt - that is guidance from debt management experts, not just rumour. As you have found out, landlords have zero tolerance for rent arrears. This is why your rent is an absolute Number 1 priority bill and you should not be paying off other types of loans.

Here is a link from MSE on debt and mental health.

http://www.moneysavingexpert.com/credit-cards/mental-health-guide

See also the Direct Gov website for their debt management advice. Shelter also has good links to getting free expert advice on debts. The Citizens Advice Bureau will also help you.

DrGr wrote: »

now big aunt thankyou
i am england , apparently crisi loans have been stopped now??

I don't know anything about budgeting/crisis loans in England but hopefully this will prompt another poster to recommend a scheme if there is one in place from a government department that can cover rent arrears (not Provident, it is possible to get loans for moving costs from the DWP, I believe - you have other alternatives than the Provi or private companies, loan sharks, pay day loans and the like).

DrGr wrote: »

ive requested and they even noted it down on a checklist for the tennant book, ive rang ive reported, the guy they sent roudn didnt seem interested stayed int he hall didnt go near windows, and cheked the roof from the alley??????
my kids attik bedroom roof has a 26 water reading on a meter

my tennantcy ends in febuary at the end, they said they want to rehouse me if im not in debt, but i cant see hwo i can pay them without suffering,

Who the hell is 'they'? in the two paragraphs above. The landlord or their agents, the council environmental health, the surveyor? I don't know what you mean.

When I said put the request for repairs in writing and keep a copy (this is what Shelter advise), I wasn't asking them (whoever they are) to take notes. Shelter strongly advise that tenants keep good written records when it comes to contacting landlords or their agents.

As you are at risk of homelessness, see the eviction section of the Shelter website to understand the full process for legally getting a tenant out of the property. Also, see the homelessness section of the Shelter England website to understand how a council may assess any application for homelessness that you make with them. Consider contacting your council homelessness department now to understand your rights and future options.

DrGr wrote: »

hes on JSA and is seekign work hes really good and is trying hard hes 18 and almost fully plummer quazlifdied,
but so he gets £113 every 2 weeks and can claim £250 rent, im sure landlord woudl let him in if he knew hes gona get money,
but definatly my question will be be ''on his own'' or classed as our income and family :S i hope not as he coudl solve my problems, rid me of debt and help to get me moved in time,

ou

You need to carefully check the position on this. Currently, he is not a named tenant, therefore I can't see why he has any liability to pay rent and without this liability, he will not be entitled to housing benefit. In a worse case scenario, all that would happen is that your landlord will not be happy with a new occupier and your BIL won't get any HB whatsoever and at most, can manage to pay you just a few bob from his JSA.

There is a housing benefit officer on this forum, hopefully he will spot this post and outline the HB issues around this.

Also, I understand (but I may be wrong) that a tenant who experiences a loss of income gets protection for 13 weeks and gets full HB for this period. This is supposed to help them when they downsize. Did you get any transitional protection like this when you first lost your job or was this at the previous property? I'm not really sure how this operates, perhaps another poster can post the exact rules on this.

Mojisola

drgr wrote: »

we moved hosue as they told us we could claim more get a house more suited to the size family,

drgr wrote: »

i was totaly homless on the street they promised to look after me

??? ..........................

Tiddlywinks

I vote TROLL too - as the specifics just aren't being answered.

Does the OP - from the rantings here -seem like someone that would just not say anything in real life?

SnooksNJ

leveller2911 wrote: »

Is it just me thinking Troll here?. The posts title is a rant about "Tory crap" (why the need to mention Tory?).

The OP's posts are barely legible and they are spending benefit money on Provident Loans rather than caring for their family.

Something fishy here... If they are genuine the OP get over to the debt free wannabee section ,when your tenancy ends find another property.

£25K a year tax free? Yes, those Tories are really evil.

evenasus

leveller2911 wrote: »

Is it just me thinking Troll here?.

I believe so.

Very similar to the troll a few days ago, who wrote in a similar style claiming he was bipolar.
Although he eventually admitted he was a troll.

angelbob

I can not believe you are paying £110 a week on provident loans, as you say you needed £700 to move, that was five months ago so:
you have already paid over £2000 hmm doesn't add up.
It's more like £25 a week.
People are trying to help you here,
do you waste money fags, beer, bingo, lotto, takeaways? Cut back and pay your rent its the most important bill.

DragonFruit_2

People are being disgustingly judgemental here, I think you should be ashamed of yourselves.

DrGr

leveller2911 wrote: »

Is it just me thinking Troll here?. The posts title is a rant about "Tory crap" (why the need to mention Tory?).

The OP's posts are barely legible and they are spending benefit money on Provident Loans rather than caring for their family.

Something fishy here... If they are genuine the OP get over to the debt free wannabee section ,when your tenancy ends find another property.

oh yeah i took time out of my life to troll here for what reason??? cause id spend time making this up riiiight,,,
tory crap as if u look online u wil see somany people are complaining as the cap has coem from TORY its their fault for a big fat lie they told, ive got it on my other pc il post it later they drew up a load of lies and control and now this they get rich whiel poor people die trying to do anything, hes on 520 a day !!!!!!


as for provident i eneded moeny to get this house in the beginnign, wana kwno why i needed money?? i moved to a new town for safety.... they said unles u bin here 6 months they cant help with bond scheme, the only was i had was to ask provident for a loan after being refused everywhere els, only 2 bed homes here have the ''no move in fee'' i need 4 beds atleast so i had to pay a bond move in fee checks etc,. without that i wudnt have one,

why refuse to pay provident... then thats another debter tryign me for money and sending bailifts

riginally Posted by DrGr View Post

ive requested and they even noted it down on a checklist for the tennant book, ive rang ive reported, the guy they sent roudn didnt seem interested stayed int he hall didnt go near windows, and cheked the roof from the alley??????
my kids attik bedroom roof has a 26 water reading on a meter

my tennantcy ends in febuary at the end, they said they want to rehouse me if im not in debt, but i cant see hwo i can pay them without suffering,



this reffered to them doign the 6 week housing chekc (landlord agent)


im sorry for going with bad typing from being called a troll stupid as hel i know but its sent me into a bipolar upset i runnign too fast i need to calm down illget my partner to respond soon as she is better than me with all of this she also remebers alot more, i am useless and pathetic as has bin pointed out,

thanks auntie, what is HB?? and no i didnt the cap happened 3 weeks ago to me, i got a phone call from landlord saying '' your rents droped to £12 a week''

i got a discresionary that helped pay £300 n summin,
for the brotherinlaw i thaught he's be entitled to shared house 1 bedroom rate and as im a 4 bed and kdis can co-habbit under 11 i could make a spare room for him if able to claim hsi rent :S


and honestly i am a person who does have problems alot fo problems mental and physical, i am not allowed credit i was lucky and bad credited myself when i was 18 so its poor and i get refused so thats good in a way,. i cant get deeper exept for this :S

i just dont get how the council can stamp and approve £650 rent to me after the april cap came in and then i get held responsible when its in debt

swingaloo

Deleted, got missed up. Please ignore

tomtom256

DragonFruit wrote: »

People are being disgustingly judgemental here, I think you should be ashamed of yourselves.

Sorry but I vote troll to.

Not allowed to work so claim ESA, been told this is wrong benefit and should be claiming PIP. Can actually claim both so highly unlikely they have had advice!

House was a state when they viewed.moved in and still went ahead with it!

Homeless and then moved home, seriously, get the story straight.

Sounds like another Andy username.