Friend has paid off last advance payment and needs to apply for another

tomtom256

Grumpelstiltskin said:

OP If your friend is constantly having to get loans then there is something wrong.

Is she paying unsecured debts off?

Does she need budgeting advice?

This is something that needs to be addressed to stop all this happening again.

It's Christmas, everybody asks for a budgeting advance to buy presents, I mean replace white goods. Probably why the last one has now been repaid.

Grumpelstiltskin

tomtom256 said:

Grumpelstiltskin said:

OP If your friend is constantly having to get loans then there is something wrong.

Is she paying unsecured debts off?

Does she need budgeting advice?

This is something that needs to be addressed to stop all this happening again.

It's Christmas, everybody asks for a budgeting advance to buy presents, I mean replace white goods. Probably why the last one has now been repaid.

Tom Tom No Christmas comes every year and needs to be budgeted for, even on UC a small amount saved every month, shopping in Charity Shops etc. and no need for a loan.

Standingstrong

Grumpelstiltskin said:

OP If your friend is constantly having to get loans then there is something wrong.

Is she paying unsecured debts off?

Does she need budgeting advice?

This is something that needs to be addressed to stop all this happening again.

She is a single parent with kids and she can’t afford nothing. 

Grumpelstiltskin

 Is she paying any debts?

What I am thinking is a SOA on the DebtFree Wannabe board and people could suggest if something like a DRO would wipe her debts out and she would be able to budget better.

Standingstrong

Grumpelstiltskin said:

 Is she paying any debts?

What I am thinking is a SOA on the DebtFree Wannabe board and people could suggest if something like a DRO would wipe her debts out and she would be able to budget better.

Paying Lowell she got about £3000 to pay off , 

but she wants the advance aswell she has got no money for nothing at the minute. 

flower77g

for the various naysayers answering this thread, it is possible for the DWP when answering the phone to proceed with an advance even if the eralier advance isn't shown as paid off on the online portal.   

See example from thread below where someone is given an advance even where the first one is *nearly* paid off  

UC Budgeting Advance Paid Off, how soon can i get another Advance? - Benefits and HMRC - Consumer Action Group

but while DWP *can* do this it does not mean that DWP *will* do this.   Phone and ask.

Standingstrong

flower77g said:

for the various naysayers answering this thread, it is possible for the DWP when answering the phone to proceed with an advance even if the eralier advance isn't shown as paid off on the online portal.   

See example from thread below where someone is given an advance even where the first one is *nearly* paid off  

UC Budgeting Advance Paid Off, how soon can i get another Advance? - Benefits and HMRC - Consumer Action Group

but while DWP *can* do this it does not mean that DWP *will* do this.   Phone and ask.

But she paid this out of her wages yesterday. Will this still qualify even though it still shows £67.61 outstanding ? But she already paid 

poppy12345

flower77g said:

for the various naysayers answering this thread,

I can only see that as quite rude! Tomtom works for DWP and should know the rules around requesting a budgeting advance and has always given good advice to many people here.

That thread in the link says on their statement that the loan has been paid off. The person that this thread relates to paid the loan off with debit card so you can't really relate to the two.

poppy12345

Standingstrong said:

flower77g said:

for the various naysayers answering this thread, it is possible for the DWP when answering the phone to proceed with an advance even if the eralier advance isn't shown as paid off on the online portal.   

See example from thread below where someone is given an advance even where the first one is *nearly* paid off  

UC Budgeting Advance Paid Off, how soon can i get another Advance? - Benefits and HMRC - Consumer Action Group

but while DWP *can* do this it does not mean that DWP *will* do this.   Phone and ask.

But she paid this out of her wages yesterday. Will this still qualify even though it still shows £67.61 outstanding ? But she already paid 

As has been advised several times throughout the thread your friend will need to ring UC on Monday morning when they open.

I also see that she's working. If she's received at least £2,600 of earnings over the past 6 months then she won't be entitled to the budgeting loan. https://www.citizensadvice.org.uk/benefits/universal-credit/on-universal-credit/budgeting-advance/

Grumpelstiltskin

If your friend is on Universal Credit she shouldn't be using that money to pay vultures like Lowell.

Start hereDebt-Free Wannabe Sticky - Provit & Statute Barred Letters, Defaults, Help and Guidance, All Here... — MoneySavingExpert Forum

She should stop paying them and use her money for important things like Rent, Utilities food etc.

OK That won't solve her immediate problem but if she does sort her debts out it hopefully will stop the vicious circle of advances..