Daily Archives: June 11, 2014

Checking your benefit entitlement The Department for Work and Pensions (DWP) and your local council are not obliged to inform you which benefits you are entitled to, which means it is your responsibility to ensure you are claiming all of … Continue reading →

It can be beneficial to inform creditors of any mental health issues which are affecting your ability to repay as it may change the way the creditors deal with your account. There are a number of different industry guidelines and … Continue reading →

How do I prepare a Personal Budget Sheet? A Personal Budget Sheet (PBS) will help you budget your money and explain your financial situation to your creditors. In order to prepare a basic PBS, follow the six steps below. If … Continue reading →

Anyone can fall into debt. A sudden unexpected change of circumstances could mean that although you used to be able to afford all of your essential payments and bills, you no longer have the money to manage. Studies show that … Continue reading →

How does ESA work? There are two different types of ESA. •Some people will get ‘contribution based ESA’ (CB-ESA) because they made enough National Insurance contributions while they were at work to qualify for it (similar to Incapacity Benefit). •Others … Continue reading →

This section gives information about the out of work benefit called Employment and Support Allowance (ESA). It will explain who the benefit is aimed at, how the Department for Work and Pensions (DWP) are reassessing people receiving the old-style sickness … Continue reading →