help skint need some quick money making tips

joedenise

Can you get yourself a basic bank account with another bank and have your money paid into that so that the bank doesn't take your benefits as soon as you get them? Your overdraft then becomes a debt which you can pay off once you're back on your feet.

Denise

nataliedee

joedenise wrote: »

Can you get yourself a basic bank account with another bank and have your money paid into that so that the bank doesn't take your benefits as soon as you get them? Your overdraft then becomes a debt which you can pay off once you're back on your feet.

Denise

Hi yeah i didnt think of that i could go an open another bank account i dont have a overdraft on my account now but they took charges as i forgot to cancel tv licence direct debit .But think i could do with a new account so no body has the details then once im sorted i can set it all b\ck up then .thanks x

Gigervamp

Did you see this, posted by ButterflyBrain?

Social Security Administration Act 1992
Miscellaneous
Certain benefit to be inalienable **

187- Subject to the provisions of this Act, every assignment of, or charge on-
(a)benefit as defined in section 122 of the Contributions and Benefits Act;
(b)any income-related benefit; or
(c)child benefit,
and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

** inaliable = not to be forfeited.

---

Basically they can't take you benefit money for overdrafts or debts, and if they have you can ask for it back !

Contact your bank about them taking your benefit money to pay the charges.

nataliedee

Gigervamp wrote: »

Did you see this, posted by ButterflyBrain?


Contact your bank about them taking your benefit money to pay the charges.

Ill try and speak to some one from the bank now when i rang yesterday they just fobbed me off but will try again xx thankyou x

Willowpop

Natalie, just a quick message, you're doing just great and getting some fab advice, but don't feel like you're begging. Charities have been set up to give a little assistance to people in your exact situation , you are not begging, just looking for a bit of help right now. Any one of us could need the assistance of a charity tomorrow and that is why they exist.
Use them to help you out, and in the future when you don't need them then you can give a little back, take some bags of food to the food bank, donate a few pounds to a different charity or whatever, but right now you are the very reason they exist.
Keep going and keep keeping us up to date.
Willowpop xx

nataliedee

hi well i have just been on the phone to dwp the lady was lovely and said she couldnt understand the mix up but however the previous person to deal with me had put me a claim in for contribution based jsa and not the normal jsa .so shes told me to do a new claim online for jsa and i should get a call later today for an appointment for that claim she said still go to my appointment tommorow incase the people in the job centre can help me further re my hardship claim until my jsa is sorted .she also said take my doctors letter as proof im vulnerable at risk etc as they may be more inclined to do something .
so just about to do the new claim now
feel much better about things and some one has kindly offered to send my son a easter egg i really was worried about it and him not having an egg silly i no
running out of food fast but i cant for the shame of me go back to the foodbank plus ive hit the limit but im waiting for a call from another lady at the cab to discuss if i can get a crisis loan but its called a short term advance apparantly you have to be waiting on a claim to get it
if that fails not sure what ill do i have this morning spoke to my electric company who are willing to put £15 extra credit on my meters and i pay it back when i get sorted so thats good cab advised me to ring them glad i did
sent of for loads of toiletry samples so hopefully they come soon me and little man are going to the park soon lovely and warm today so need to get out xx

pennywisepoundstupid

HI nataliedee.

I just wanted to say you are coping so well after everything you have been through, I hope you manage to get somewhere with the JSA.

Your son sounds very sweet and I'm sure he loves you very much and is just glad to see his mum happier.

I sincerely hope everything works out for you, take care.

PWPS.x.

Gigervamp

Have you spoken to the bank yet about refunding your benefit money that was taken in charges?

If you can get that back, you'll have some money for food.

lilian1977

Glad you're having a good day Natalie xx

gayle1

often i have thought about you and ure little one x i have tried to put myself in ure shoes.if it was me with my 2 what would i do!
DO NOT give up there is help out therexx {often thought of asking ure address but i am to faraway for any decent help}

for easter do u have paint and some eggs boil the eggs decorate then roll them down the hill.
there will be easter activities on like this week we got frozen on dvd my boys at sportscamp but i gave the dvd into the star project so they could have a cinema day.
libraries and museums run stuff to today i learnt that the science centre is doing kids go free on a train ticket im glasgow so its different.
Im glad u spoke to energy people{have u applied for a warmhome discount}ure entitled earnings of 6500 i think
happy easterx