How much lower will ATOS go?

http://www.manchestereveningnews.co.uk/news/greater-manchester-news/mentally-ill-woman-sheila-holt-rochdale-6553258

I honestly thought the system in place regarding the Work Capability Assessments undertaken by ATOS could not get any worse. I was wrong! Sadly a mentally ill lady who is in a coma and has suffered a heart attack since her benefits were withdrawn last year.

This lady has a long standing illness, her Bipolar disorder has meant she has been unable to work since leaving school. Her medication will have helped to keep her at a level of equilibrium but it cannot and and would not cure her condition,

Sheila was pushed to the limit by the worry over the changes to the benefit system, she was sectioned under the Mental Health Act after her benefits where withdrawn. The worry of her benefits being withdrawn, the impersonal nature of how the assessments are carried out, the dismissive letters that are “standard” are written in DWP Jargon and are quite frankly difficult to understand. I have trouble with them and have to read them a number of times. I admit that I have had to phone up to try to get the letters explained. It’s very frightening, you feel like you have done something wrong, there is no humanity involved. You know to the people in the departments see you only as a number, a file on the computer, a list of DWP regulations and you feel terrible.

Quite honestly you feel like you are on trial. It is such a scary and frightening process, you know yourself that you are too sick to work. You feel that the assessors don’t listen to what you say. They barely look at you as they are too busy typing on the computer.

Sheila was likely asked to fill out her form, it was possibly done by someone in her family and someone who cares for her. They will have answered to questions honestly and to the best of their ability. Before Sheila was pushed over the edge, she possibly could have done the majority of the physical tests. Sheila would likely be able to pick up an empty box, pour herself a drink from a 1 or 2 litre carton, she may also have been able to walk more than 50mts. Sheila was not physically disabled she had longstanding mental health issues.

In October 2013 the DWP were told they must contact all of the people involved with the care of patients with Mental Heath issues so that all of the evidence required to assess the person in relation to their capability for work. Some people with mental health issues can and do work, however there comes a time when all they will sadly have a breakdown and need time off or need to be and in patient.

Mental health issues are just as dibilitating as physical disabilities. Surely the DWP know this, you would expect they would have devised a form that will not be oppressive, will be open questions so people can explain their individual physical and or mental issues, the questions are not helpful and so many appear to be asking the same question just in a slightly different way. The forms are like a mini novel, it can take people a few days to fill in. There really has to be a better way.

Sheila is now in hospital, in a coma and ATOS are demanding that she be available and must attend a further assessment. Sheila is too ill to send a reply, she is too ill to attend any assessment centre. What will the DWP do when they do not hear from her? Will they send a letter saying they are sanctioning her?

I hope that the local JCP will read this and see how Sheila is currently,

1) can she move an empty box? NO.
2) can she feed herself? NO.
3) can she put a pen in her top pocket? NO.
4) can she walk without any help or aids? NO.

Sheila cannot do anything for herself, she needs 24 hour care and why is that DWP/ATOS? It is because you have scared a very vulnerable lady, you made her feel so scared that the fear caused her to have a total breakdown and her Biopolar was not under control. On top of the break down which will also have exacerbated her physical health she suffered a heart attack. she now has little chance of having any form of life, it is highly unlikely she will ever be anywhere near as well as she was before.

Her life is effectively in the balance all due to an uncaring Government who are happy to see the super wealthy avoid tax but if you’re a person who has health problems then you will be vilified, made to feel like you’re a fraud and that you are cheating the system. We can only say well done to the Conservative/Liberal Democrat administration who have been instrumental in these reforms, maybe their intention was to cut fraud but as only 0.3% of all claims involving sickness or disability then they seek to go after the most vulnerable in order to weed out the scammers.

I hope David Cameron, Nick Clegg and all the ministers in the DWP and their staff, the ATOS assessors read about Sheila and then look in the mirror. Are you proud of this? Are you proud of the numbers of people who are taken off the ESA benefit? How can any compassionate human being see the reports daily where people like Sheila, like you, like me, have become seriously ill or in an increasing number or examples the person has died!

Whilst assessments are a good idea, they need to be conducted in a better, more human way. Full patient history should be examined by a qualified GP or even a specialist in the area the persons illness falls into.

Sorry but for people like Sheila your current system is a disgrace and you should hang your heads I shame. Maybe you should look at the real scammers oh you do they are around you I the Commons! How many of you put paper clips on your expenses, the odd tv, maybe a stereo, a couch, a porn film, stamp duty costs because you decided to cash in on the property boom in London, the tax pays funded that home but did one penny of the profit go back into the coffers……..did it heck as like.

This administration is a much of a joke as its predecessors. Yes everyone the MP’s who are whipped to vote how they are told are no better because they aren’t acting in the best interests of their constituents.

I hope Sheila will come out of the coma, I hope she will get well enough to leave hospital. I hope she never has to undergo an ATOS or Capita assessment ever again.

Get well soon Sheila.

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State Benefits – Problems Inherent in The System

Blog Number 1 – Universal Credit

I have over the past few months been looking at the system currently meant to be in use throughout the country, after pilot schemes there should have been a national roll out for all new claimants & for those reporting a change in circumstances etc.

What I have seen over the past year is sad, bad, embarrassing, upsetting, degrading, humiliating, heartbreaking, scary, incomprehensible plus many other things including complete and utter incredulity at the sheer lack of common sense and vilification of our most vulnerable citizens.

I’m sure you’ve all been aware of the stories regarding ATOS, Work Capability Assessments (WCA), Employment Support Allowance (ESA), Disability Living Allowance (DLA), Personal Independence Payment (PIP), Jobseekers Allowance (JSA), Job Centre Plus (JCP), Universal Credit (UC), Contribution Based, Income Based, 365 day rule, and those are just off the top of my head without even looking at others!

Oops forgot Working Tax Credit (WTC), Child Tax Credit (CTC), Pension Credit (PC), Housing Benefit (HB), Council Tax Benefit (CTB) and The Removal Of The Spare Room Subsidy (AKA “Bedroom Tax”) ok think that’s them all oh blimey no it’s not last one Benefit Cap (BC)!

I feel like I’m in the No One Expects The Spanish Inquisition sketch of Monty Python Fame! Sadly though there is no comfy chair, soft cushions, cup of tea at 11am with chocolate biscuits nor a nice warm fire to sit beside.

So all these changes have been rushed through. Yes changes can be good but so many, so fast at a time of great upheaval? Well that’s not my place to decide but it could have been a sensible idea to stagger these changes in a more measured way. All of these changes all at once leaves the staff administrating them confused because there is simply too many things. Some people on the old system (which if we are honest not all JCP workers were really, hand on heart, fully knowledgable or expert in; no disrespect but it’s the truth).

Let’s take a look this evening at Universal Credit (UC); I had to start somewhere & this was the lucky topic. hastily adds in the intro *whistles* aha done.

Universal Credit is in theory a good idea. All benefits for which you are eligible are paid in one monthly payment. Bit like a salary, so far so good wake up it’s not that boring I can see you nodding off oops talking to Siri not you.

That seems logical, from this amount you pay your;

1. own rent direct to your landlord,

2. Council Tax
(a percentage depending on your council)

3. Pilot schemes were started in certain areas of the North West on April 15th 2013. The full national roll out was supposed to start in October 2013. It hasn’t!

The problem is that so few new people went to claim this benefit and of those who did found during the mandatory way to claim via computer/online, saw the programme crash!

It couldn’t even cope with a limited number of users in a small area. The JCP staff were then having to write down all of the claimants answers and then input manually after the client had left!

This was supposed to be a benefit scheme to make claims easier & faster.

This has not happened, here we are almost into the festive season and there are some people claiming under Universal Credit but their neighbour is claiming under another system & may be in receipt of a differing amount when the circumstances of these neighbours are virtually identical.

Another possible problem could be the people receiving the rent money in with their benefit instead of it going directly to the landlord. In winter months when it’s cold would the person pay the rent over or would they spend it on heating their home?

This would by no means be every person but if you’re kids are cold & hungry would you put the kids needs first or paying your (possibly very rich) Landlord?

Obviously in comparison to the situation of the claimant & their perception of the Landlord’s situation then it is likely that the claimant would (wrongly in law but rightly in respect of their children) think the Landlord can afford to wait, arrears could mount up quite swiftly!

This is an ethical dilemma in my humble opinion; if the claimant is dealt with under the old system then the rent is paid direct but they are at risk of using loan sharks or payday loan companies in order to feed & keep their children warm in winter.

Conversely the claimant on the new system may see the cash available in their account & rather than resort to loan sharks and payday loan companies they decide to use the rent money & then go into rent arrears.

Being in rent arrears is a less scary option (well it would be to me) because the landlord is unlikely to come round & beak your legs but a loan shark would.

So we have a few thousand on this scheme and very little in the news to tell us how people are legitimately coping with the system. Is it better? Is it a much easier & better system for the claimants? We really need to know about these facts but again the media is silent, the Government are silent.

Is this silence an indication of the fact the system is not working or is it so they can use it as the results as political ammunition as the elections approach?

Ok that was my whistlestop (Yes it was don’t be cranky I’m doing my best) basic explanation of Universal Credit.

What do you think?

Are you on that benefit? If so please let us all know what you think about it & is it working for you & your family?

Ok that’s my first of what could be many blogs on each of these welfare systems.

I’ve said what I think it’s all about if you know more please share & help us understand because I could have interpreted it wrongly. I’m not perfect & by no means do I ever want to be – what fun would I be if I were perfect I think my wheels of steel would rust up in protest lol.

Ok hope to hear your views & experiences.

Happy Thursday 😃⭐️♿️💜

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ESA & PIP – Info via Benefits And Work : Systemic Failures!!!

IF YOU’RE ON ESA, DLA, JSA, PIP OR ANY OTHER BENEFITS THEN YOU WON’T GO FAR WRONG IF YOU Click This Link

—– Forwarded Message —–
From: Benefits and Work
To:
Sent: Wednesday, 4 June 2014, 13:48
Subject: More PIP Medicals By Phone Plus Huge ESA
*******************************
Dear martin,
PIP is in a mess. We all know it and only the DWP try to deny it.
But the surest signs that panic is beginning to set in is the fact that Capita have now more than doubled the pay they are offering to assessors in their attempt to get on top of the backlog. Capita health professionals now have a ‘new incentive scheme’ which means they can earn up to £900 a day. Not bad for physiotherapists more accustomed to earning £40 an hour.
In addition, the DWP have rewritten their guidance to assessors in the hope of persuading them to carry out fewer face-to-face medicals and assess more people just on paper evidence, backed up by a telephone call to the claimant to get additional information where necessary. Currently 98% of PIP assessments are face-to-face, but the DWP is aiming for this figure to drop to around 75%. This means a big increase in the number of PIP claimants who will be getting a call out of the blue from an Atos or Capita health professional.
We’ll be updating our guide to claiming PIP with more information about how decisions will be made about who gets a face-to-face medical and also with suggestions about how to deal with a phone call from a PIP health professional, by the end of the week.
In some cases the changes will mean claimants with substantial impairments getting an award of PIP without having to attend a medical, which can only be a good thing.
But in other cases the guidance makes it clear that assessors can refuse to make any award of PIP based simply on the claim pack completed by the claimant, with telephone clarification of specific issues if required.
It makes it even more vital that PIP ‘How your disability affects you’ forms are completed in as much detail as possible and that you get medical evidence if you can.
Unfortunately, Citizens Advice have discovered that half of all GP surgeries are now charging for evidence for ESA appeals and there’s no reason to suppose that things are any different when it comes to PIP.
In this edition we also have news of more truth-bending by the DWP, unsubstantiated rumours of changes to the PIP criteria, a dramatic rise in ESA sanctions, plans to cut the income of new ESA and JSA claimants and the truth about what Professor Harrington thought about Atos and the DWP.
Plus we have news of new DWP ESA documents available in the members area.
Oh, and we reveal how many of our readers would recommend us to others.
*******************************
20% OFF ANNUAL MEMBERSHIP FOR CLAIMANTS AND FOR PROFESSIONALS – ENDS MIDNIGHT FRIDAY
If you’re not already a member, join the Benefits and Work community before midnight on Friday and you can get 20% off the cost of your annual subscription
Just type the following code into the coupon box when you pay: 9742
Claimants and carers get an annual subscription for £15.96, down from £19.95. Professionals get an annual subscription for £77.60, down from £97.00.

WHAT’S NEW ON THE SITE
For some years now we’ve published a collection of around 20 documents which allegedly contain the information loaded onto LiMA about different conditions – LiMA being the software that Atos uses to carry out work capability assessments.
However, as a result of a recent freedom of information request we have now obtained another 26 documents allegedly used in LiMA, covering conditions such as epilepsy, hypertension, low back pain, osteoarthritis, rheumatoid arthritis, stroke and lupus. These have all been published in the ESA members area of the site, in the ESA DWP guides section (you’ll need to be a logged in member to access this page). They can help to give you some idea of how Atos believe your condition should affect you.
From the same page you can also download a 15 page document relating to how the DWP works with claimants with drug or alcohol dependency. It covers both ESA and JSA claimants, particularly in relation to treatment programmes and to the work programme. If you work with this client group, it’s definitely worth downloading.

95% WOULD RECOMMEND BENEFITS AND WORK TO OTHERS
Many thanks to the more than 6,000 people who completed our survey which went out instead of a newsletter at the end of last week. We really appreciate your feedback and we are working our way through all of your many thousands of comments.
We were delighted that when asked ‘Would you recommend our site to other claimants or professionals’, no fewer than 95.3% of you said ’Yes’ you would. Fewer than 1% said ‘No’, with the rest being undecided.
We were also very interested to learn that, when asked which benefits you are receiving or trying to get, 58% said ESA but 7% said you are still getting incapacity benefit. If those figures are representative of the country as a whole, then by our calculations over 10% of IB claimants have still not been transferred to ESA. Considering that migration was supposed to be completed by April of this year, that’s another impressive failure by IDS.

ESA NEWS
There’s been a dramatic rise in ESA sanctions – up by over 300% in a year. They rose from 1,102 in December 2012 to 4,789 in December 2013. The vast majority of ESA sanctions are for alleged failure to participate in work-related activities.
ESA sanctions are still dwarfed by JSA sanctions, but with more and more ESA claimants being forced onto the work programme – where staff appear to have little interest in claimants health issues – the number is likely to go on climbing.
Please make sure you read our tips for avoiding and fighting sanctions, which includes advice on suing the DWP and work programme providers.
Our sanctions advice has provoked some discussion on Rightsnet, where one welfare rights worker is attempting to take similar cases to an employment tribunal, for which legal help is more readily available.
Still on the subject of ESA, it’s not just claimants who have problems with Atos. Professor Malcolm Harrington, who carried out the first three independent reviews of the work capability assessment, told the work and pensions committee last month that he ‘did not trust Atos’, that the DWP team set up to implement his recommendations was ‘disbanded’ and that the system was ‘wrong at every stage’.
Harrington called for a “more humane and more individual-focused” assessment system.
It’s just a shame he didn’t say all of this whilst he was actually in the job and in a position to make a difference.
Trying to get evidence from a health professional not employed by Atos is becoming increasingly expensive, however. Citizens Advice have published the results of a survey that shows that half of GPs surgeries that provide evidence for ESA appeals charge for doing so. We’d be very interested to hear about your experiences of trying to get medical evidence in the comments section of this article.
Finally, ESA claimants will lose on average £50 and JSA claimants £40 if the government goes ahead with plans to increase the number of waiting days from 3 to 7 before individuals can make a claim.
The Social Security Advisory Committee has launched a consultation on the proposals as experts warn that they will push more people into the clutches of payday lenders.

PIP AND DLA NEWS
Last week, Benefits and Work heard from a number of people who were very distressed at a claim circulating on the internet that the PIP assessment criteria have been made much more severe and that some people who have had an award may have to repay it. The information allegedly came from a source within Atos.
If you haven’t already seen it, we published our response to this story, which we don’t believe was accurate and which has not since been substantiated in any way.
The DWP meanwhile, has yet again been caught out twisting the facts to justify the introduction of PIP. The official statistics watchdog has found that the DWP repeatedly made false claims about the numbers of people living on disability benefits.
In addition, ministers at the DWP repeatedly and misleadingly claimed that the majority of people on disability living allowance (DLA) were given benefits for life without any supporting medical evidence.

OTHER BENEFITS NEWS
The grandparents and carers of a very severely disabled boy of 14 who needs round-the-clock care have lost their bedroom tax appeal. They have to pay the bedroom tax because they have a ‘spare’ bedroom which is used by overnight carers twice a week, in order to give the Rutherfords a little respite.
The case was brought by CPAG and we understand that they intend to fight on.
Finally, universal credit, has had to be reorganised so fundamentally that the Major Projects Authority has judged that it is now an entirely new project. Given that the DWP have so far signed up fewer than 1% of the more than one million claimants that should have been on UC by April 2014, it’s surprising it counts as a major project at all.

FACEBOOK AND TWITTER NEWS
Both our social media accounts have reached major milestones since the last newsletter.
We’ve now passed the 10,000 mark for Facebook ‘likes’ and our Facebook page is really taking on a character of its own, with a community of individuals supporting each other and discussing issues reported on the main site and elsewhere. Many thanks, as always, to Studio Pookini for running the page for us as volunteers.
Meanwhile we have now got over 6,000 followers on twitter, which continues to be an excellent source of breaking news for us. Many thanks to Sangeeta, the only socially savvy member of the office team, for being the only one who knows how to tweet.

MORE NEWS ON THE SITE
The real cost-of-living-crisis: Five million British children ‘sentenced to life of poverty thanks to welfare reforms’

The DWP must explain how it will adjust Atos WCAs for mental health claimants
MPs meet their match at St James’ Park

Ministers urged to publish more accurate figures on benefit fraud that show it is 0.7% of claims

20% OFF ANNUAL MEMBERSHIP FOR CLAIMANTS AND FOR PROFESSIONALS – ENDS MIDNIGHT FRIDAY
If you’re not already a member, join the Benefits and Work community before midnight on Friday and you can get 20% off the cost of your annual subscription
Just type the following code into the coupon box when you pay: 9742
Claimants and carers get an annual subscription for £15.96, down from £19.95. Professionals get an annual subscription for £77.60, down from £97.00.

GOOD NEWS FROM THE FORUM
As always,we’re very grateful to everyone who posts their good news in the forum.
PIP success
“I’ve had a decision letter and it’s great news. Standard rate for daily care and enhanced rate for mobility. Both ongoing and to be reviewed in 2025…I’m happy with the outcome and the Capita assessment…I hope this result gives some encouragement to those still going through the process.”
ESA Support Group
“…well decision letter finally came today – DWP did go with ATOS recommendation for the support group – thanks so much for everyone’s support here and all the info provided! Couldn’t have managed without it.”
PIP award
“Thank you so very much for all the help and advice I received from your guides. I applied for PIP. My assessment was in March . I finally had a result on Tuesday this week. More surprisingly all the back dated money was in my account yesterday. Enhanced care and standard mobility. Thanks so much”

DLA awarded on renewal
“…a massive thank you to this website for all the help and support given to help complete these complex and often misleading forms…I filled the form out and gathered all my necessary supporting documents and sent it off… within a few weeks I had a letter to say I had the same DLA award but for an indefinite period.”

PIP success
“Just to let you all know that today I’ve received a letter saying I have been awarded enhanced daily living and mobility! I cannot thank enough Benefits and Work because you all have been such a great support for me. I am so lucky to found you and cannot imagine what would I do without your great information and guidance. Thank you so much! I wish everyone who is applying PIP good luck! Its a very hard and stressful process but Benefits and Work moderators are absolutely brilliant!”

Support Group success
“Have just been told via the phone, that I’ve been placed in the support group for three years. Cannot thank benefits and work enough for all their support and invaluable guides, you all do a sterling job, and I would like to thank you so much. Hope this gives encouragement to others who are playing ‘the waiting game’ that there can be light at the end of the tunnel.”

ESA support group
“Good news! As a result of being put into the ESA Support Group, my local Council informed me that Housing Benefit would now pay all my rent and Council Tax Support would pay all my Council Tax”

Support Group without medical
“Having used your site I was placed in support group without medical, although it took 42 weeks to get a response!”

DLA renewal award
“My DLA was due to expire in July 2014 – I was invited to renew. Imagine my absolute surprise to receive a new award of Higher rate care & Higher rate mobility for 5 years!! No medical or other enquiries. Thank you so much Benefits and Work, I’m sure the success was due to following your guide to the letter.”

IB to ESA support group
“After receiving a form to change from IB to ESA…I have at last received a letter putting me in the support group of ESA without a medical. Without help from Benefits and Work I do not think this would have happened…I couldn’t be happier, it is such a weight off my mind.”

Join the Benefits and Work community now and discover what a difference we can make.
And do remember: you’re welcome to republish part or all of this newsletter, provided you credit Benefits and Work
Good luck,
Steve Donnison, Sangeeta Enright and Karen Sharpe
The Office Team
Benefits and Work Publishing Ltd
Company registration No. 5962666
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Sheila is still being hounded

Department for Work and Pensions ‘put girl in coma’ – now they won’t leave her family alone
http://www.mirror.co.uk/news/uk-news/department-work-pensions-put-girl-3135341

********************************

The Work Capability Assessment is a complete farce! I had to go to a tribunal to be put into the support group. I’m a solicitor & I felt I was on trial, this must affect others in many ways. Sheila should never have been put into this position. Her mental health issues meant that her personal situation needed to be handled on a gentle and caring manner.

I have received so many e-mails from people who are scared & feel like they aren’t being assessed on their individual physical & mental issues. Those with ‘invisible’ symptoms are treated worst of all in my opinion. I have been there at the end of the phone after reading some of the extremely harrowing cases.

I have a friend who has had cancer twice, chemotherapy, on high doses of various pain relieving, anti epileptic, anti depressants etc who has been put in the Work Related Activity Group. His cancer treatment has left him with spinal problems, his hip & spine have fused due to crumbled discs. He’d do anything to be well enough to work but me, him & thousands like us are treated as though we are pretending to be so ill. If we are then we should get an Oscar!

The fact is only around 1% of claims for ESA & DLA are fraudulent. Our GP’s, psychologists, psychiatrists aren’t contacted, despite being asked to name them on the ESA50 form.

Demonising the sick & disabled is callous, inhuman & is abhorrent. So when there is a job for every person that complies with the questions on the form I will eat my wheelchair!

The form asks; can you put a pen in your top pocket with either hand, can you lift or move an empty box, can you raise either arm above your head, can you walk 50mts, can you lift a carton of milk?

How questions like this can help assess ones physical & mental state I do not know. A person may be able to do one or more of those things BUT likely not everyday, likely not reliably & likely not safely!

The WCA needs changing there isn’t a tick box that could ever cover a persons individual circumstances. Too many people are being bullied & not assisted. Too many people are dying after being found fit for work & many are stressed & scared when told they must attend courses, interviews etc. Well a person is either sick or not sick. There is no middle ground.

I hope Sheila will get well very soon and return to her loving, caring & supportive family.

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Irresponsible Personal Borrowing

http://www.mirror.co.uk/news/uk-news/mum-benefits-left-3000-debt-2959223

I read the above with much consternation. Why on earth has she borrowed all this money?

She has 2 kids, aged 8 & 3. The 3 year old would be happy with a few 2nd hand toys & loads of cardboard boxes. The older boy only needed 1 big present which to be honest could have had a 2nd hand bike!

It’s people like this who put their kids into poverty and for what? Those kids will go without for the whole of next year.

Great presents aren’t any use if kids are starving or she can’t afford to pay electricity bill. What on earth does a 3 year old need a TV/DVD player for? It’s crazy & unnecessary. It’s all been bought on expensive credit which to me is even more stupid!

The kids will remember, eventually, and then they too will follow suit! It’s the wrong kind of example and she isn’t giving the children the correct life lessons to aid them in the future.

I know we all want our kids to have the things we didn’t but there are limits. I have 3 children there are around 4 years between each one. Christmas has always been expensive but I’d buy stuff in sales & hide it away. I still do that even though my eldest kids have left home. No body got a big expensive present at Christmas what I did was to make a bigger fuss at birthdays because it meant there was respite between each birthday to save again.

My youngest lad decided he wanted a new TV. I refused to buy one because there were decent enough ones he could access. So he saved his Christmas & Birthday money (his birthday is 10th January) and bought his own TV.

I’ve never bought “named/labelled” items of clothing. They had what I felt was appropriate & would be very smart but on a budget.

Even when there is little money you can shop around and find bargains to stow away.

This woman borrowed £1,700 knowing her whole income for the next year (or indeed more) would suffer for it! She has no idea of budgeting, no comprehension of the concept of living within within her means.

If she’d have put away a few pounds every week she could have got the bikes on e-bay or Amazon – refurbished & at half the price.

It really doesn’t make any logical sense to do what she’s done and when she’s no money for food in the coming months will she then travel to a foodbank because she has got a voucher from her social worker, GP or whomever?

I honestly understand wanting to give your kids the best BUT you give them the best you can afford not what you can borrow!

Even this year my youngest has had refurbished items which I have bought for less than half the price of new. I have to do that because he’d never get these things otherwise. I hasten to add that the items he’s got are going to be helpful to his education as he’s doing GCSE’s now.

My hubby & I don’t have money to burn and neither does this woman. £3,000 debt for one Christmas is totally irresponsible.

I’m not sure how these sorts of lenders work but from the info I have gleaned from various sources would indicate that you needn’t be in work to get a PayDay Loan. An oxymoron if ever there was one. How do you get a payday loan if your payday is based on out of work benefits?

Why are there no checks to see what level of debt you’re in already? Suppose that is easily bypassed if you apply for each of these pay day loans on the same day & thus the records wouldn’t be updated until the next day there would be no records to check.

Just as I was writing this blog I received a text:

www.justlendcash.co.uk We dont look at past credit history, as long as it is affordable for you now. Come and build a new history with us. 2 opt out reply END

I have not given my number to any of these companies so why are they contacting me unsolicited?

I’m not going to reply to the text, I have deleted it. However, with companies sending such texts & bombarding people with the offer of credit then at weaker moments some may just give in.

I thought this sort of lending was illegal as is people coming to your door offering you a loan? Maybe the Consumer Credit Act has changed?

Anyway what do you think of this lady & hundreds of thousands of others like her who have borrowed heavily & irresponsibly just to buy things their kids don’t need!

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