If you’ve been ill for a long time, or you’re sick, you have the right to claim financial help with your costs of living. It’s not a cash cow - the maximum you can claim a year is £7,267 - but it could make it much easier for you to live independently. You may have heard of Personal Independence Payments in the news. In his 2016 Budget, the Chancellor George Osborne announced huge cuts to the benefit - but was later forced to backtrack. Who gets Personal Independence Payments? The benefit is for people of working age, i.e. those aged between 16 and 64. You’ll need to show you have a condition or disability, and that this causes difficulties with the demands of daily life. You’ll also need to show it’s a long-term problem. This means you’ve had this problem for at least 3 months and you expect to suffer for at least another 9 months (unless you’re terminally ill). You’ll need to live in the UK, and have lived here for at least … [Read more...] about What is a Personal Independence Payment and how can I get one?
Pay-day lenders Wonga have been forced to apologise to a man after their delayed payment left him without food and electricity. Ian Gittings has been using the short-term, high interest lender for ten years to help "tide him over" in between payments, GloucestershireLive reported . The 42-year-old was recently contacted by mis-selling specialists Bank Rebate who told him Wonga owed him £400 for irresponsible lending. Ian, from Gloucestershire, is unable to work due to a bad back and he has had numerous operations as a result. This means that he has to claim Employment Support Allowance (ESA) and the Personal Independence Payment (PIP). Ian said: “When I had a call from Bank Rebate, they told me that Wonga owed me money because they had not done the right checks when they gave me the loans. “Bank Rebate found that they had been mis-lending me money, and eventually I was told that the money would be in my account on May 23. “With the money I decided that I would … [Read more...] about Pay-day lenders Wonga forced to apologise after delayed payment left man without food or electricity
Universal Credit is being hailed by the Government as the welfare reform that will simplify the benefits system into one monthly payment – and make work pay. As it begins its roll-out to larger numbers of people across the country, lots of readers have been contacting us and asking how this will affect them. One million claims have been made to Universal Credit, almost 15,000 every week. Around 470,000 people receive Universal Credit, with two fifths of them in work. We’ve teamed up with Citizens Advice to answer your questions and spell out how it operates. Gillian Guy, chief executive of Citizens Advice, said: “It’s right the Government is trying to make the benefits system more simple through Universal Credit. But as it stands, people are experiencing problems during roll-out. “In the last year, we’ve helped over 29,000 people with their Universal Credit claim. Some have experienced problems including finding it hard to get through to the … [Read more...] about Everything you need to know about the new Universal Credit system – what it is, who’s affected, what you get paid and how to claim
The number of families on Universal Credit turning to crowdfunding for financial support has more than tripled in the past year. According to crowdfunding site Go Fund Me, about 80 campaigns featuring “ Universal Credit ” in the title, and attracting at least one donation, were started in the first four months of 2019. The figure stood at just 23 in the same period last year. Universal Credit was introduced in 2013 in an attempt to simplify the welfare system by combining six means-tested benefits and tax credits into a single monthly payment. However, the new system has been heavily criticised with thousands of benefit claimants left struggling to survive due to cuts to their income, delays in payments, and sanctions for falling foul of the complex rules. Kat Parkes, 37, a single mother from the West Midlands, set up a Go Fund Me (https://uk.gofundme.com/escape-universal-credit-debt) campaign after struggling to survive on Universal Credit. The education worker would need … [Read more...] about Mum survives Universal Credit nightmare thanks to the kindness of strangers
Shoppers are being warned about a new text scam offering exclusive offers to Kmart customers. The new scam appears to be different from previous text scams where fraudsters sent messages to customers claiming to be from Woolworths, Coles, JB Hi-Fi and Australia Post. This time scammers have gone a step further by including the correct names of family members and close friends in the text message, making the hoax appear more legitimate. Shoppers are being warned about a new text scam offering exclusive offers to Kmart customers They carry a link to a fake website asking customers to click and claim their prizes. A customer who received a scam message took to social media seeking advice. 'Dear Roselyn. One of the Kmart stores is looking for you. You have won a prize in our Prize Draw. Answer a few questions and you will be presented with several exclusive reward offers (worth at least $60),' the first text she posted to a closed Facebook page read. RELATED ARTICLES Previous 1 Next … [Read more...] about Urgent warning as customers are told to be vigilant about a convincing Kmart text message scam promising ‘exclusive offers’