going fulltime to partime and not claiming universal credit then DRO application?

stu12345_2

fatbelly said:

stu12345_2 said:

are you saying, if expenses are say £1201 a month, but income is say £1200, the DRO application would fail? how tight is it, cant we just say, we will use food banks etc. our DMP we have gives us a fair buffer, we can have savings, pension contributions, rainy day money, decent food allowance etc, but if we had that one chance by scrimping for 12 months and writing off £22,500, i would gladly eat rice and beans for 12 months !!

What we're saying is that if the true position is that your expenditure exceeds income then somewhere you will be accruing debt. You want the DRO to be a clean start and not immediately be behind with water, gas, elec, council tax etc when the DRO ends.

That's why you need to plan carefully and explore (on the benefits board perhaps) what the reality involves in claiming benefits if you are entitled to support.

ok jsa is £133 a couple aged 25, plus rent help  £77, plus council tax help say £25 a week, = £235, our income pt/time is £300 a week, then how do folk survive  on a DRO on benefits only surely they can never have enough to live on?

turnitround

If its the physicality of that job that is exhausting you both would a solution not be to look for different jobs? I worked full time in a warehouse till I was 64 and it became much to physical for me to manage.
I left and within 3 weeks got a job as a shop assistant which was much more manageable and I did that till I was 69.

Now would be the perfect time to start looking for other work as the Xmas build up kicks in.

Brie

turnitround said:

Now would be the perfect time to start looking for other work as the Xmas build up kicks in.

AND places like Tesco, Waitrose etc will need lots of staff working whatever part time hours and after a couple of months you will be allowed to buy things at a discount which will make budgeting a bit easier perhaps.  

stu12345_2

Brie said:

turnitround said:

Now would be the perfect time to start looking for other work as the Xmas build up kicks in.

AND places like Tesco, Waitrose etc will need lots of staff working whatever part time hours and after a couple of months you will be allowed to buy things at a discount which will make budgeting a bit easier perhaps.  

worked in tesco, 12 yrs ago, horrible bosses, all snobs, they seem to only want students on zero hours contracts.
i really want to resign, but new employers wouldnt want me , as they would ask why i resigned , and its easier to go from one job to another, not have gaps. the job i do gives me strong heart, muscles and lungs, but im 55 and now feeling  the strain.  I would say its the lack of sleep, that is the main thing, as my job is 6 hrs work over 13 hrs a day. you see the problem! I also have a fear of being sanctioned if i resign, would UC be sanctioned and cont jsa be sanctioned, i would be allowed to claim both as i have lots of NI contributions., how long would sanction last, how much would i lose, would i lose 100% of rent help costs?
I think i could manage p/time at work, as i would be offered an end of day shift, in and out, 3 hrs, no split shift-- this would give me better sleep.
 the problem is we have a DMP at moment , it is simple to manage, all we need to do is go to work daily, and pay the monthly amount.( even tho we are exhausted)
But if we go pt/time or resign or apply/ sanctioned jsa, UC,or  apply for a DRO,or  it fails midterm cos we forced to go fulltime again, it is opening up a can of worms, that we dont know the answers to before we do it!!
I also have old cheap car, old enough to be allowed a DRO, i live rural, my employer is walking distance, my home is council for life, any new jobs are miles away, my car is so unreliable, i would prob get sacked for not turning up. I cant get credit, i cant get another car, its all one big mess.

stu12345_2

so i need to make sure my income and expenses, match up before i apply for a DRO, is that right. but not have more than £75 a month left over each. this could only happen if i penny pinch and go to 15 hrs a week and dont claim any UC small top ups. this would save us £22,500, or the other choice is carry on exhausted in our current job for another 3 yrs on a  DMP until we collapse.

turnitround

Funnily enough it was Tesco that took me on. I had a sit down job and a permanent contract. I think you may be surprised. I do get the feeling that you just want to work part time whatever and you seem frightened of having to work 37 hours. 
What about your wife? would she consider changing jobs or does she not want to do full time at a less physical job?

stu12345_2

new wages would be £1200 a month total for us both-- expenses=
rent £333
water 43
c tax 149
gas 50
elec 60
phone, broadband, mobile 54
tv licence 14
 car mot, repairs 40
road tax 29
 car insurance 23
 rac membership 13
fuel 40
food 200
pet food, pet medicines 60
hobbies 40
prescriptions 11
dentist 10
haircuts 10
 clothes 20
total £1199.
does this sound doable to get  a DRO based on new  pt time wages of £1200 a month. 

turnitround

Having just read the other thread you have running about the exact same topic it would probably be best to look for other work anyway as the way you have spoken to your boss and what you have said about your co-workers does not bode well.

stu12345_2

turnitround said:

Having just read the other thread you have running about the exact same topic it would probably be best to look for other work anyway as the way you have spoken to your boss and what you have said about your co-workers does not bode well.

yes, soemtimes i loss the plot at my work, if i see anything unjust, and if i went to the evening shift only there are no bosses about,  jsut wife and I, thats it, we have been told our completed work is 110% great,( mostly from customers) its  just there are too many "favourites" the ones that have been there 20 yrs. i could do a fulltime job, but it has to be non physical, i have been doing physical jobs now for 12 yrs. so im expected to do those sort of jobs, thats the problem, thats where i have the skills and experience. my wife is the same situation.

stu12345_2

turnitround said:

Funnily enough it was Tesco that took me on. I had a sit down job and a permanent contract. I think you may be surprised. I do get the feeling that you just want to work part time whatever and you seem frightened of having to work 37 hours. 
What about your wife? would she consider changing jobs or does she not want to do full time at a less physical job?

i was shelf packer in fruit n veg, that is hard going, i can tell you that, but oen day i was unlaoding a truck, then started unlaoding my cage, put  some boxes on the floor in order to get the bottom boxes out obviously, a boss walked past and said " remove those boxes" I said, they are there for a reason , i need to get to the bottom boxes., they ignored me, i thought what a terrible place to work, no respect. I left for a better employer.I remember it was busy one day, the girl on the 10 items or less was spinning on her chair for one hour, hardly any customers, tesco sate the 10 items or less counter must always be open, she was told to help me in the fruit n veg, packing shelves, lifting all the banana boxes  etc to get to the bottom ones, "rotation reasons" then restack. she started crying within 5 mins, she said it was " too hard work" and wanted back on her seat at the till.