By August, a million homeowners had obtained permission to defer their mortgage payments. Due to Covid-19 restrictions, mortgage lenders could not start or continue court action for repossession until at least 31 October. If you/re in arrears you should take action now to avoid repossession.
Making extra mortgage payments
You may be able to pay back what you owe by paying extra on top of your mortgage payments.
Have you been warned your employer needs to reduce their workforce and that you may be made redundant? If you are, there are rules your employer has to follow and you may be entitled to redundancy pay.
Check if your redundancy is fair
Employers selecting workers for redundancy are not allowed to discriminate by age,
During the pandemic, this year’s official Anti-Slavery Day on 18th October passed almost unnoticed – as did victims of slavery in the UK today. In March Surrey Police searched over 100 locations and made 7 arrests but they warned that “Modern slaves are often hidden in plain sight”.
The Atlantic slave trade may have been made illegal many years ago,
The Department for Work and Pensions (DWP) has announced that people claiming Universal Credit (UC) will begin to see a return of job-seeking requirements which were suspended. Work coaches will be calling all claimants to help them prepare for work, although what people will need to do will depend on their “Claimant Commitment.” This is a document people need to agree to as part of getting UC.
A few people get unexpectedly rich, but far more experience problems and misfortune.
Arthur was in his 80s and in debt when he came to us recently for help. The property he was living in had been condemned. It had no gas or hot water and was in need of extensive repair.
If you’re wondering what to do about a problem with a car, an electrical appliance, a package holiday or another product or service, we’re here to help.
Know your rights
In 2015 the Consumer Rights Act came into force providing greater protection if goods or services are faulty.
Waste disposal company Veolia have calculated that the average home receives around 650 items of unwanted mail every year. If you’re fed up with your letterbox being full of “junk”, there’s no single organisation that you can register with, but here are some actions you can take:
Get a letterbox sticker
Put a ‘no junk mail’ sign on your door.
Whatever your income or savings, you may qualify for Personal Independence Payment (PIP) if you find it hard to do everyday tasks or to get around because of a disability, illness or mental health condition.
Who is entitled to PIP?
You need to be between 16 and pension age to receive PIP,