Today is a Bank Holiday

Blackbeard_of_Perranporth

TBeckett100 wrote: »

Ironic start to that post. A worker being classed as idle by someone living off the worker's taxation.

What part of Contribution Based JSA do you not understand. Is that National Insurance? Oh, dear!

Blackbeard_of_Perranporth

mgdavid wrote: »

you could eat very well on £7 for a few days but if you choose to spend it on animals and alcohol that is entirely a matter for you. But please try to understand why you may not receive as much sympathy as you perhaps wanted or expected.

No worries, the cat got fed. Only problem is what do I say to my Mortgage provider on Saturday? Will £6.50 do?

Blackbeard_of_Perranporth

FOREVER21 wrote: »

Let me try to seek clarification,

You were not paid on the 11 Dec and were told that a payment ,including arrears from 11 Dec would be paid to-day. But no payment was made.

Tell me when did you tell DWP about the non payment of the 11 Dec?
Did they not arrange an interim payment to be made before 24Dec

From the tone of some of your posts I am amazed you did not create more of a fuss after the first non - payment and at least try and get some interim payment from them.
I may be wrong but I am surprised that someone in theJC did not try for an interim emergency payment, but there again perhaps your attitude to Civil Servants came across at your interview.

Blackbeard_of_Perranporth wrote: »

My contribution based JSA was not paid today, it was paid late last time it was due, and I got those idle people at the JC to sort it out. Apparently the system set up does not like Joint Claims, on the new pad system. Was assured after their flock up on 11th December 2014, it would not occur again.

If you can read, do you think I went a fortnight without noticing the error!

Barny1979

Blackbeard_of_Perranporth wrote: »

If you can read, do you think I went a fortnight without noticing the error!

Blackbeard_of_Perranporth wrote: »

Payment due £220 ish, promised after flock up on payment on 11th December. DWP Failed payment today. Your suggestion that I say to Mortgage provider is?

So why did you not pay the mortgage payment when you received your delayed 11th December payment?

zaax

If you can't get a job - retrain. There are plenty of job if you really want them.

Abbafan1972

I have claimed jsa twice and am certainly not idle. I have a job now btw.

Barny1979

Abbafan1972 wrote: »

I have claimed jsa twice and am certainly not idle. I have a job now btw.

Did you work yesterday? If not, you're idle according to the OP.

Barny1979

Any update OP?

[Deleted User]

Just think OP, if you had spent as much time looking for work as posting over 2200 times on MSE you might have a job by now and none of this would have happened!

timbstoke

SeduLOUs wrote: »

I wouldn't take it on the chin, but I wouldn't sit on my !!!! moaning about it either.

I'd be straight on the phone to the bank to explain a payment I was expecting has not arrived and that I do not have enough money in my account for my mortgage payment. I would be asking if they could provide me with a temporary overdraft facility to cover it, or to allow the direct debit to clear even though it would result in some bank charges - this would be preferable to it not getting paid.

Depending on the result of that, I would be on phone to friends and family to see if anyone could help me out of the situation in the short term as I had been let down by someone else.

Next I'd be eyeing up my electronics and DVDs etc and figuring out if I had anything lying around that isn't used much I could sell to CeX/Cash Converters type places to drum up some cash.

If all else fails, I would be looking at payday loan options. Whilst they are far from ideal, I would know the payment will be resolved eventually (so would set a repayment date for say 6th Jan to give some safety margin), and for the price of a relatively small amount of interest I wouldn't miss the mortgage payment.

While I understand what you're getting at, and I agree that OP needs to calm down and wind his neck in a bit, I do think some of your suggestions are somewhat misguided, and shouldn't be taken seriously by people who are living on benefits.

Asking the bank for a payment holiday or a temporary overdraft is great if they can do it without incurring fees, as is selling off things you no longer need to try and make the payment. However, bank charges should be avoided at all costs, as should payday loans.

While it may provide a bit of relief this week, it means that next week you've got to pay back whatever you've borrowed plus the extortionate interest/charges on top. If you're on JSA you're not going to have any more money then than you do now, and that's how a lot of people find themselves getting sucked into a debt spiral, with the bank charges causing a small overdraft every month which triggers another charge the next month, or needing to take another payday loan just so the first is repaid in time.

In OPs case, assuming he can't get any kind of access to a JC before the mortgage goes out, his best bet (assuming that selling goods or borrowing from family/friends isn't an option) is to ask for a payment holiday, or at least ensure that the bank don't make the payment using an unauthorised overdraft facility. Current account charges can be upwards of £25, while credit charges are usually capped at £12, so better to incur a non payment charge on the mortgage account than an unauthorised overdraft fee on the current account.

However, I also think a few of the other posters on here should wind their necks in a bit. Living on the extremely tight budget which is forced on you with JSA is a fine balancing act, and you are totally reliant on the payments you need being made on time. Questions like "Why didn't you just pay it from your last payment" are unhelpful - OP has clearly budgeted his mortgage to go out of this payment, not his last one, and he is perfectly entitled (and quite possibly forced) to do so.

I can understand that it grates a little seeing somebody call those working in JobCentres idle, but then based on my own observations of the workings of a JC and those of my partner who worked in one for a while, it's not an entirely inaccurate observation. I'm sure it must also grate a little to be desperate for work, and have to see those who are supposed to be helping you clearly failing to do their own jobs.