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Unemployment, Living on Benefits & Section21 notice

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  • Unemployment, Living on Benefits & Section21 notice

    Hi,

    Sorry if posting in the wrong forum, I know and understand some others here have much harder situations than me. I just would like to ask for some advice what to do and what to expect.

    I'm unemployed, since October.
    Previously I earned enough to afford my rent so I had a 13-week protection that ended by this month, during which the council covered 100% of the rent (They don't advise housing benefit claimants who lose jobs that this is available - I found out online, so went in to the council with all my payslips and asked for it. It wasn't disputed though.)

    I live alone, am single, no dependants - even no family in this country.
    Due to reasons I don't want to bore you with, in real life I am rather introverted - not many friends. I can't share my home (2 years ago I literally became homeless. What saved me from the streets then is having had a job. From this situation I also had tremendous PDL debts I am trying to deal with since and paid off and closed all but two.)

    I moved here 6 months ago. My rent contract (assured shorthold) is for 6 months, and I got a section21 served after moving in for the date of 29 February 2014 (I know, the date doesn't exist.) It came with a letter assuring me that this does not mean I have to leave by the date but they (agency) will follow up 6 weeks beforehand to see if we both are happy (LL & me) and then renegotiate the contract. This followup never happened. It caused though that I was extremely fearful disclosing anything of my situation.
    In December I disclosed that I have no earnings and don't work ATM.

    Rent was paid on time because I used up all I had saved, a friend helped, then the council did the protection payment (but they don't pay it on time to have rent paid timely...)

    As of now, none said a single word about the Section21.
    Rent for next month is due in 2 days, the Assured Shorthold tenancy can be rolled over (suppose that's the plan since no follow up was made?) into monthly basis. But for the first time I cannot pay rent, with the notice also for this time.

    My "income" is £71.70 for JSA / week and £88 housing / week, paid 2-weekly backwards so 2 payments per month = £288+352. (Wow, sounds a lot now, I know.)

    My outgoings - I have debts, have to try maintaining..,
    - HSBC (see my previous thread....)
    - QuickQuid (see other thread, not paying and Defaulted, trying to communicate - update: QQ seems to finally investigate their conduct and reporting...)
    - Aqua - CC - paid £68/this month
    - Capital One - CC - paid £38/this month
    - Barclaycard - they put the CC on hold but that's passed so have to call them, expect to have to pay around £40 to show the required goodwill
    - Thames Water & Ecotricity - I arrange Fuel Direct for these, meaning 25% of JSA goes to them, £72 approx / month
    - Council Tax £35 / month (after benefits reduction, cannot get lower)
    - Three (mobile, need it for jobs, but e.g. no longer calling family at home... they disable services after 5 days of lateness) £40 approx (£38 min.)
    - Sky £55 / month (they aren't helpful, and I need internet to apply for jobs but it's part of a bundle contract. They disable services after 4 days lateness and refuse to reduce countracted services as I'm still within the contracted period.)
    This is approx £330 total - where I state x amount/thus month that's what I had to pay after talking to them, as minimum payment. These payment results only in extensive chasing on their behalf despite having received it.

    I found out I had a mysterious BT bill from my past address when downloading my credit report yesterday - is now in Default, never got the bill (used to pay them by DD!) Called BT, they refuse to discuss, the bill is £96 but the "current amount" with DCA is £122. Have to pay that.

    - Commuting (even to JobCentre and it's not reimbursed) about £50/ month - the more interviews the more money spent on commuting.
    - I am Gluten Intolerant. My main spending is on proper food, a gluten free loaf of bread is between £2.60-3.60 and I can't eat the white version so count £2.90. Have to maintain a costly diet or I suffer tremendously - because of the stress of this I'm already dealing with some other health issue present since childhood when I'm stressed and very uncomfortable not to mention painful.

    The quantitative amounts above are £330 + £96 (hopefully) +50= circa £480
    + gluten-free diet. JSA is £288/month.

    I just disclosed this all as I wanted to ask if there's anything a single person with no family can do to get some short term help to pay rent and not be evicted?
    While on benefits.
    And also, is that Section21 notice even valid or am I fearing something that's not a threat? Though I'd defend even if it is pointless because I have nowhere to go.

    As for the job situation -
    I am in the interview process for 4 different roles ATM, all within my profession. Applied to over 600, or even 700 by now, no joke - just this month I applied to around 200, different levels (I'm mid-senior but apply to junior roles too). I even applied to Waterstones and different help desks too but they don't want me cos of my experience.
    Also I "went through" two jobs without working a day; had an offer recalled after I took it (that's how I became unemployed) and from Dec until 2 wks ago was waiting to be able to start in a role. That's got messed up by my home country embassy - 2 months for this: "I confirm she has no previous criminal records." Lost the job due the waiting time for this. This is European post-kommunist burocracy.

    I can't ask the JobCentre for (any kind of) support - I have a nice advisor she's been really cool, and also she was certain by now I'll work. She asked me e.g to register on their website (I know they have no legal grounds to force yet they do with everyone) I gave her access to my notes there cos she was great. But I haven't seen her since early January and the "replacements" are nothing like her.
    They are rude and they try to step into eg how much time I spend in my church on a weekday. Besides some of them (the one abusing my privacy re the church for example) is exceptionally unintelligent or uneducated and comes across as negligent, highhanded and narrow minded. They just read through the notes of what I did, comment (if I list I spent x hours helping in the church once, next to 80 applications, 3 interviews and plenty of communication with recruiters) and then they give a new appointment time with yet another stranger I've never met before. My advisor knew of my section21 notice but these lot can't care less.

    I advised my LL that rent is going to be late.

    I know well I may come off as some whining %^£$%£ and I realise there are people homeless and with much less than what I have, please if you have any suggestions what I could do to keep my home and keep from going to have to go to the court or become evicted, please let me know.
    If I knew where to get a truly temporary job (aka one where they don't think I'm not worth it cos I'll leave) please suggest if you have any ideas of sites or anything. I'd be cleaning if I could - but cleaning companies also don't respond to me. Thanks a lot!
    Last edited by QueenAnne; 26th February 2014, 22:00:PM. Reason: Removed a lot of personal stuff and ramblings
    Tags: None

  • #2
    Re: Unemployment, Living on Benefits & Section21 notice

    No one responded
    Anyways, I thought I document what I've done and how I deal with the changed situation of now being behind with rent.
    And also the experience talking to the creditors. The situation I present them with - which is the actual true situation - is that with rent being £1150 and income in benefits £640 / month, there is no affordable payment.

    Barclaycard (£400 CC) - telling them the current situation, they send an Income & Expenditure form. They again have put the account on hold for 30 days during which there are no charges and interest. The account won't get defaulted so far. I must add they are nice and come across as caring, and don't sound as if they read a script.

    Capital One (£200 CC) - They don't stop charges and interest until a plan is in place. I disputed this - you have to agree you understand this and only then do they start with sending I&E Form etc. - so was forwarded to a mgr who confirmed their system doesn't allow it but I got refunded my late payment charges from before (something for something I suppose.) It mattered as I understood that I talked to them before, they knew my situation and that I paid £34 this month already.
    They send the I&E form, and the plan I chose is "Short Term Plan" - for 5 months I can pay a token payment with this plan and they don't default or sell the account. They require it to be cleared on the 6th month. Hopefully I won't be unemployed for 6 months!

    Aqua (£1400 CC) - the hardest and longest. They don't put the account on hold and don't freeze charges - no matter what I say. They want a plan in place. They send I&E forms but they are ok to fill it straight away on the phone to stop the charges. I literally told the full amount of income (£640) and full spendings (£640) didn't need to detail the spendings (bills etc. were not required) and had to list all my creditors and full amonuts owed, and - before even sharing these - had to name an amount I offer, which was £5. It was accepted, a letter should follow in the post. The date on which the amount is due could be selected by me (will be in March since I paid £68 on 11 Feb.) Also, they'll default the account. They'll also go with the collections according to their advisor, as if I had no plan in place. I told them to send me that in writing because it's not right I can't agree. So I'm expecting that in the mail.

    QuickQuid / ARC - ARC legal rep emailed me today to let me know they never logged any default etc on my account, and he also confirmed he puts the account on hold until my issue with QQ is cleared. He came across light years better than anyone before. QQ has a SAR due in a week (probably won't be responded, since until 2 days ago, their helpdesk directed every email to ARC including the SAR and I had to point out there's a statutory time frame, and ask ARC to let QQ know that ARC is not responsible for QQ's SAR.) QQ by the way added 20+ closed settled accounts to my credit history - obviously too much. Plus the questionable defaults. As of now, I repeated to ARC my situation and detailed my I&E, and my debts and confirmed I'm looking for an arrangement according to my capabilities.

    WageDay Advance - these people for 2+ months played cat and mouse with me. I kept contacting, they responded or they didn't. They say they sent me a form via email but I never received (I&E form.) then they asked me for my bank statements which I can't send (I don't know how to get the pdf's simply.) but when I responded they didn't acknowledge this or anything. The original debt is doubled with charges. Last I had was a letter I had to sign for a week ago, asking for proof that I get JSA. I copy my JSA letter and will send them (I'll delete my NI number on it.) They wrote if they get this they are willing to drop all charges on the account. Will send on monday.

    Electricity, Gas, Water - I have JobCentre appointment on Monday and will ask for Fuel Direct to be set up for these. That means 25% of JSA will no longer come to me. Ecotricity, my provider advised this is a legal way to handle utilities in this situation (Again, the JobCentre people said nothing about this option. Ecotricity gave all the info when we were in touch about how to handle the bills.)

    I'd still appreciate if anyone has suggestions. I feel extremely alone with the whole thing. Part of me thinks maybe I should've get these in place months ago - but I was positive I'll get into work by now for long and will forget about the whole situation already. And I was afraid, these people were calling on a daily basis, I have dozens of numbers blocked on my phone from them just to give me some silence. And until I actually called them today stating I'm claiming that I am in financial hardship, my rent alone is almost double than my income and I'm in arrears, they all wanted large payments from me. Feeling a bit brave to have talked to them, but still, I feel terribly alone and left to my nonexistent devices. Nothing of these will help me pay the rent in arrears and I have the section21 notice.

    PS - paid a lump sum of £96 to BT re that defaulted bill, via bank transfer. The bill was due on 12 October and the default is for January, I found out. I asked BT to be considerate and amend the default (I know, what are the odds...) and I've let them know I won't pay the additional DCA charges - I couldn't even reach their DCA and I can't afford their charges from benefits.

    Comment


    • #3
      Re: Unemployment, Living on Benefits & Section21 notice

      Regarding your gluten intolerance, do you qualify for gluten-free bread on prescription?
      Life is a journey on which we all travel, sometimes together, but never alone.

      Comment


      • #4
        Re: Unemployment, Living on Benefits & Section21 notice

        No I don't think so - I don't know TBH.
        I was intolerant before coming to this country, as well as having had IBS and tbh I never went to GP with my stuff in this country - I'm almost GP-phobiac I swear, had so much doctor and hospital time as a kid with things done to me that you'd consider torture (well in some countries it is I'm pretty sure.)
        I was "established" if you know what I mean, diet and everything was in place. Also cos of my childhood bowel problems that tend to come back, these was already part of my lifestyle. So I didn't even know people can get prescribed gluten-free bread?
        But then again I eat little amount of bread - that was just an example, a price I could recall quickly from head. I tend to finish a loaf in two weeks minimum or longer (I freeze bread to store it, like my grandma taught me!) But proper food in the UK is darn expensive. I eat much more stuff like Maple Sunrise for example (£3 / box, 5 portions in a box equals a week) which I think is a luxury in my situation but one portion of that with milk gives me a lot of what I need for half a day. I need fiber-rich but gluten-free stuff and fruits and veggies, prunes, I drink plenty of detox tea... these are part of my established diet and trying to get off them now upsets my inside, since I don't eat a lot of other stuff. The only tihng I skip now is meat, I don't spend on that (Lent is coming anyway.)

        Comment


        • #5
          Re: Unemployment, Living on Benefits & Section21 notice

          Originally posted by QueenAnne View Post
          No I don't think so - I don't know TBH.
          I was intolerant before coming to this country, as well as having had IBS and tbh I never went to GP with my stuff in this country - I'm almost GP-phobiac I swear, had so much doctor and hospital time as a kid with things done to me that you'd consider torture (well in some countries it is I'm pretty sure.)
          I was "established" if you know what I mean, diet and everything was in place. Also cos of my childhood bowel problems that tend to come back, these was already part of my lifestyle. So I didn't even know people can get prescribed gluten-free bread?
          But then again I eat little amount of bread - that was just an example, a price I could recall quickly from head. I tend to finish a loaf in two weeks minimum or longer (I freeze bread to store it, like my grandma taught me!) But proper food in the UK is darn expensive. I eat much more stuff like Maple Sunrise for example (£3 / box, 5 portions in a box equals a week) which I think is a luxury in my situation but one portion of that with milk gives me a lot of what I need for half a day. I need fiber-rich but gluten-free stuff and fruits and veggies, prunes, I drink plenty of detox tea... these are part of my established diet and trying to get off them now upsets my inside, since I don't eat a lot of other stuff. The only tihng I skip now is meat, I don't spend on that (Lent is coming anyway.)
          If you have Coeliac Disease, where the body has an inability to cope with gluten, and have a confirmed diagnosis, you should be entitled to gluten-free bread on prescription. These usually come in cartons of six loaves. You will need to see a GP for the prescriptions and a pharmacy will need a PIP code for the brand you prefer if they don't already have it. If you do not qualify for free prescriptions, £7.80 for six loaves is better than £17.40 retail. If you qualify for free prescriptions, you get the bread free.

          The other things that come to mind, given your description of your bowel problems, are Crohn's Disease and Ulcerative Colitis. Do either of these ring any bells?

          You may benefit from an appointment with a clinical dietician or an NHS-registered nutritional therapist as regards your dietary needs.

          With regard to the debt problems, Leclerc has asked for a consumer debt specialist to look in and advise you and I will bump this thread for a consumer debt specialist to look in.

          BUMP
          Life is a journey on which we all travel, sometimes together, but never alone.

          Comment


          • #6
            Re: Unemployment, Living on Benefits & Section21 notice

            I have a few thoughts that might help . As you are a member of your church ask them if there are any charities that can help members in need .
            As to the IBS there are food alternatives which are gluten free . Bulgar wheat and potatoes can be used as alternative to wheat products . http://www.mims.co.uk/news/882161/Gl...cribing-Guide/ the link is a prescribing guide for doctors as to the amount of gluten free food that should be prescribed .

            Comment


            • #7
              Re: Unemployment, Living on Benefits & Section21 notice

              In that case no because I am the non-Coeliac type of gluten intolerant... I didn't realise you mean if I'm Coeliac or not, sorry!
              The Coeliacs get heavily inflammated and bleed and perforate and can die from any diet slip as far as I know, I cannot do that. I bloat to the size of 4-months preggers belly, ache sharply curling up to embryo position and get constipated to standstill point for 3-4 days until 1 box of Buscopan frees me from my hell. Starts 10-30 minutes after consuming gluten depending on the type of food.

              Crohn's ring the bells but it could not be proven. I sometimes wonder but I don't get their kind of running belly. Running yes, just not the way they describe, and mucus yes too. But most times my belly just 'stalls'. Stops working on the stuff.

              Thanks for this and thanks for the bump

              Comment


              • #8
                Re: Unemployment, Living on Benefits & Section21 notice

                Originally posted by seduraed View Post
                I have a few thoughts that might help . As you are a member of your church ask them if there are any charities that can help members in need .
                As to the IBS there are food alternatives which are gluten free . Bulgar wheat and potatoes can be used as alternative to wheat products . http://www.mims.co.uk/news/882161/Gl...cribing-Guide/ the link is a prescribing guide for doctors as to the amount of gluten free food that should be prescribed .
                One of the chaplains is looking after me, no charities, my church is a bit different from most parish, but they are aware and the chaplain is involved.
                I will check the link... But e.g. for potato, I could eat that on a daily basis but I "stall" from it - I doubnt it has enough of the kind of fiber I need.
                I have two problems
                - the gluten
                - this thing from childhood (when parents divorced) that my belly stalls. It stops working. When I was a kid I was thrown into hospitals where if you didn't go to the loo for two days (impossible task for me when I'm affected) then they filled your belly with water until it hurts, to "wash it" and they forced you to keep it and I was just 8-10. That's what I meant when I wrote that some of their stuff could be used for torture. I use the word "stall" and "stop working" as this is what the docs told my mum back then. And they didn't know why it happens or what triggers it - by now we know it was the divorce and stress does it still.

                Comment


                • #9
                  Re: Unemployment, Living on Benefits & Section21 notice

                  Originally posted by QueenAnne View Post
                  In that case no because I am the non-Coeliac type of gluten intolerant... I didn't realise you mean if I'm Coeliac or not, sorry!
                  The Coeliacs get heavily inflammated and bleed and perforate and can die from any diet slip as far as I know, I cannot do that. I bloat to the size of 4-months preggers belly, ache sharply curling up to embryo position and get constipated to standstill point for 3-4 days until 1 box of Buscopan frees me from my hell. Starts 10-30 minutes after consuming gluten depending on the type of food.

                  Crohn's ring the bells but it could not be proven. I sometimes wonder but I don't get their kind of running belly. Running yes, just not the way they describe, and mucus yes too. But most times my belly just 'stalls'. Stops working on the stuff.

                  Thanks for this and thanks for the bump
                  There are a number of things your digestive problems could be. Without an accurate diagnosis, it's difficult to point you towards a support group who could help you. I have Fibromyalgia which causes IBS (Irritable Bladder Syndrome and Irritable Bowel Syndrome) and some of the symptoms you describe. At one point, my local teaching hospital thought I had either gluten intolerance or Coeliac Disease. It turned out to be a duodenal ulcer which ruptured and resulted in my being rushed to hospital at 4.30 am on a Sunday morning, less 5 litres of blood. The bug that causes duodenal and gastric ulcer probably caused the FMS (It trashed my motor nerves.) and I have to use a motorised wheelchair when I go out anywhere, but thanks to some very caring people at South Western Ambulance Service and Derriford Hospital, in Plymouth, and some brilliant GPs, I am alive and posting on Legal Beagles.

                  I'll bump this thread again for a consumer debt specialist.

                  B U M P
                  Life is a journey on which we all travel, sometimes together, but never alone.

                  Comment


                  • #10
                    Re: Unemployment, Living on Benefits & Section21 notice

                    Having read some of your problems,you need to see the Doctor and get specialist Medical and Dietary advice whatever happenned in the past in another country needs to be told to health professionals.
                    All you money problems can be helped with advice much of which may come from this sitebut your medical needs are really a priority

                    Comment


                    • #11
                      Re: Unemployment, Living on Benefits & Section21 notice

                      Originally posted by bluebottle View Post
                      There are a number of things your digestive problems could be. Without an accurate diagnosis, it's difficult to point you towards a support group who could help you. I have Fibromyalgia which causes IBS (Irritable Bladder Syndrome and Irritable Bowel Syndrome) and some of the symptoms you describe. At one point, my local teaching hospital thought I had either gluten intolerance or Coeliac Disease. It turned out to be a duodenal ulcer which ruptured and resulted in my being rushed to hospital at 4.30 am on a Sunday morning, less 5 litres of blood. The bug that causes duodenal and gastric ulcer probably caused the FMS (It trashed my motor nerves.) and I have to use a motorised wheelchair when I go out anywhere, but thanks to some very caring people at South Western Ambulance Service and Derriford Hospital, in Plymouth, and some brilliant GPs, I am alive and posting on Legal Beagles.

                      I'll bump this thread again for a consumer debt specialist.

                      B U M P
                      You mean Helicobacter Pilori caused that? I found your story really inspirational about how to survive. And scary re how the docs still don't get it right until it's too late and the answer waves a white flag giving up to just be found...

                      Comment


                      • #12
                        Re: Unemployment, Living on Benefits & Section21 notice

                        Originally posted by wales01man View Post
                        Having read some of your problems,you need to see the Doctor and get specialist Medical and Dietary advice whatever happenned in the past in another country needs to be told to health professionals.
                        All you money problems can be helped with advice much of which may come from this sitebut your medical needs are really a priority
                        Thanks and I came to the same conclusion recently, with the stress it really gets out of hand despite the diet which used to control as if I had no problems at all.
                        My main concern is, to detect gluten intolerance and Coeliac, one has to go on a "gluten-diet" (normal stuff with gluten) for at least two weeks. With my symptoms I dread that and it really sounds impossible but without it, there's no blood test to show the result - as far as I know. And also another problem is I can't swallow tubes, after I almost suffocated on one (the tube that has a little camera and a little clip at the end so they can see and take samples from your stomach for example) - it has that plastic thing to bite on (that one had, I had at other occasions tubes that didn't) and the silly doc didn't realise he pushed the thing down my throat until I got hysterical almost passing out there. Since then even dentist is an absolute nightmare. To detect what's up in my bowels they'de push tubes up and such and that scares me.

                        Comment


                        • #13
                          Re: Unemployment, Living on Benefits & Section21 notice

                          Originally posted by QueenAnne View Post
                          You mean Helicobacter Pilori caused that? I found your story really inspirational about how to survive. And scary re how the docs still don't get it right until it's too late and the answer waves a white flag giving up to just be found...
                          Helicobacter Pylori causes duodenal and gastric ulcers. This was discovered by two Australian doctors in 1982. It is treated by giving the patient 4g Amoxicillin and 2g Clarithromycin in combination over a seven-day period. The bacteria is dead by Day Four. Unfortunately, HP is a bugger to detect and it can breach the tissue/blood barrier. If it gets into the bloodstream and migrates around the body, it can cause massive damage to your internal organs. Being a bacteria and not a virus, it doesn't show up on a blood test, especially a Viral Screen. With the endoscopy examinations you refer to in your post, I am surprised you were not offered the option of being given a sedative which makes the endoscopy a lot easier to carry out. You do belch a lot as they pump air down into your stomach to dilate it, but it is kinder and much less traumatic than having the endoscope shoved down your throat without it. With regard to the doctors only finding the HP until it was too late, unfortunately, I did have a high pain threshold which meant there was little evidence of the pain associated with ulcers, just indigestion-type discomfort now and again. My pain threshold is now virtually non-existent as FMS affects the body's ability to deal with pain, though acupuncture helps. I'm going to hospital this morning so the physios can use me as a human dartboard! Lol! At least it gives me four days relatively free from pain.
                          Life is a journey on which we all travel, sometimes together, but never alone.

                          Comment


                          • #14
                            Re: Unemployment, Living on Benefits & Section21 notice

                            Don't be scared of an Endoscophy tube with Camera ask for knock out drops you will not fear a thing or know it all procedures in hospital can be undertaken while you are semi conscious you have to ask to treat you properly Doctors need to know everything

                            Comment


                            • #15
                              Re: Unemployment, Living on Benefits & Section21 notice

                              The endoscopy were done "at home" - sounds like I'm coming from the middle ages. But yea they don't sedate in my home country (they didn't 5 yrs ago when I last had this.) They just shove down your throat, that's exactly the correct way to put it. they tell you to lay down on your side, open your mouth, take a deep breath - and they push it down your throat. And breathe deeply through your nose if you can, try staying calm. When I was 17 I had a 24hr PH detector down in my stomach. It's a much smaller tube (like the cable of a headset) but not so flexible. They push it down through the nose, you have to take a deep breath, they push it in, when it's on your throat you have to swallow it (it'll be about the fifth time when you succeed, before that it's just struggle, take out, push in, take out...) and then once it's down they tape it to your face so it doesn't move. You feel it when you swallow but once it's down it doesn't hurt much anymore. You have a little bag it's connected to and have to carry that around. They did this cos I didn't have HP but I had ulcer and they wanted to know why I have so much acid causing the ulcer. (I had no issues with ulcer for about 5 yrs by now, thank goodness so I consider that at least to be behind me.)
                              That's also why I had plenty of endoscopy (thanks for reminding me of the name) and I was always found HP free, they took biopsies and could never found it. Now I am really thankful for that, reading your post. It sounds like you were mistreated for really long time. I hope you got some compensation because it sounds like your whole life got seriously damaged. I hope your hospital visit went well! As much as it can.

                              Comment

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