A bit council (Vol 4)

[AndyAudi]

djc206 said:

alorotom said:

No not true, not everyone qualifies. We don't. We have one child (5yr old), the wife is a lady of leisure and my salary is over the threshold (which I think is about £60k-ish) so we get exactly £0.

We could theoretically claim whatever family allowance is classed as now which would be about £80/MTH but I would have to have my tax code adjusted to recover this via HMRC as.we.arent entitled to it.

Isn’t there some sort of benefit so to speak from claiming and then repaying where your wife doesn’t work? Something to do with NI qualifying years or such like?

No one I work with is entitled to keep the money but everyone whose partners don’t work or work part time claim it and then pay it back.

Sharing tips on getting benefits - council?

(I think your right though, I was going to post similar )

[djc206]

AndyAudi said:

Sharing tips on getting benefits - council?

(I think your right though, I was going to post similar )

Ha definitely council!

Does that make the State Pension council?

[Saleen836]

djc206 said:

alorotom said:

No not true, not everyone qualifies. We don't. We have one child (5yr old), the wife is a lady of leisure and my salary is over the threshold (which I think is about £60k-ish) so we get exactly £0.

We could theoretically claim whatever family allowance is classed as now which would be about £80/MTH but I would have to have my tax code adjusted to recover this via HMRC as.we.arent entitled to it.

Isn’t there some sort of benefit so to speak from claiming and then repaying where your wife doesn’t work? Something to do with NI qualifying years or such like?

No one I work with is entitled to keep the money but everyone whose partners don’t work or work part time claim it and then pay it back.

You could be correct, Alorotom you need to check as your wife might not be entitled to a state pension as you support her

[Shuvi McTupya]

Flibble said:

I'm guessing you have a fairly relaxed dress code then...

A number of places I have worked at only seem to have a dress code for the guys. the women could pretty much do as they please!

[Old Man Fred]

Shuvi McTupya said:

Flibble said:

I'm guessing you have a fairly relaxed dress code then...

A number of places I have worked at only seem to have a dress code for the guys. the women could pretty much do as they please!

Spot on, for men its work trousers and shirt, polo shirt or smart jumper with no big logos and they do get spoken to if this isn't adhered to

women often wear jeans or t-shirts and trainers but it doesn't get mentioned

[austinsmirk]

Steamer said:

austinsmirk said:

well work girl above, that's just being young, daft. god I'd love to have all the money back I blew on cars, mod'ing cars, over the bar back from my teen years and 20's.



talking of money: looked at a breakdown of income/expenditure for someone the other day

1300 mth tax credit

about 200 ish CB can't remember

outgoings of amusement- lets ignore sensible stuff

£550 on car loans
£215 on sky/cable/broadband god knows how
car ins £150 mth 2 cars
£110 mobile phones
then £100 in kids dance and acting lessons. fair play doing something with the kids


my point is, all this is funded from benefits.

Okay - seeing as this is the Council Thread - Can someone explain the requirements to receive such benefits (its something I know nothing about).

Child Benefit - Thats fair enough, I'm assuming its available to everyone / single or couple that has a child regardless of income?

But £1300 tax credit?! How does that work. For all the grafters out there on min. wage that are lucky enough to have a 39hr contract (not easy come by these days at the likes or Tesco / Asda.. most seem to be P/T 18hr Contracts) - They will be lucky to see £1400 BEFORE tax and Ni

in fairness, clearly someone in the household worked, pulling in £1000 a mth. the rest is state handouts. Honestly universal credit and child tax is an utterly broken system, milked endlessly.

trust me, for example not a single taxi driver ever, in the history of claiming, ever does more than the max of 24 hours a week, to get the full claim in. (if its 24 or 16 hrs a week- can't be bothered looking up the thresholds) and that's my inside knowledge !


they do all get caught out, usually over stuff like child care/nursery costs, because they endlessly lie over the hours, then are never intelligent enough to keep track. so yes people do go from £1000 a mth in benefits to zero the next when recalculated.


I'll say it again, rarely do I see poverty, just endless bad life decisions.

[MWM3]

alorotom said:

No not true, not everyone qualifies. We don't. We have one child (5yr old), the wife is a lady of leisure and my salary is over the threshold (which I think is about £60k-ish) so we get exactly £0.

We could theoretically claim whatever family allowance is classed as now which would be about £80/MTH but I would have to have my tax code adjusted to recover this via HMRC as.we.arent entitled to it.

You should really claim and it and then pay it back, that way your Mrs will get her NI stamp.

Giving advice over the internet = Council

[alorotom]

Saleen836 said:

You could be correct, Alorotom you need to check as your wife might not be entitled to a state pension as you support her

And

MWM3 said:

You should really claim and it and then pay it back, that way your Mrs will get her NI stamp.

Giving advice over the internet = Council

Yeah we are checking - I believe she has been purchasing her "stamp" as required but if claiming and relaying saves this hassle I'm all for it! Thanks all!

[FunkyNige]

hyphen said:

Popped into an Asda earlier.

They have a McDonald's inside now, when did that happen.

So went to McDonald's inside an Asda. Is that peak council?

Same in Norwich, but that ASDA is next to a David Lloyd's gym so the people inside are an odd mix of the stereotypical ASDA types and the stereotypical expensive gym types and not much inbetween

[MWM3]

FunkyNige said:

Same in Norwich, but that ASDA is next to a David Lloyd's gym so the people inside are an odd mix of the stereotypical ASDA types and the stereotypical expensive gym types and not much inbetween

No... that ASDA (like all of them) is 100% Council. I refuse to go anywhere near it.

[hyphen]

Shuvi McTupya said:

Flibble said:

I'm guessing you have a fairly relaxed dress code then...

A number of places I have worked at only seem to have a dress code for the guys. the women could pretty much do as they please!

A few weeks back, this lass said to me how a colleague was a creep and stared a little too much.

I know her well enough to be blunt, so indicated to her cleavage and legs that were on display and declared who could blame the poor bloke

[SpeckledJim]

hyphen said:

Shuvi McTupya said:

Flibble said:

I'm guessing you have a fairly relaxed dress code then...

A number of places I have worked at only seem to have a dress code for the guys. the women could pretty much do as they please!

A few weeks back, this lass said to me how a colleague was a creep and stared a little too much.

I know her well enough to be blunt, so indicated to her cleavage and legs that were on display and declared who could blame the poor bloke

You. Meeting Room C. Now. Bring a colleague if you wish.

No Coffee.

No Biscuits.

You may be well-advised to bring some margarine or butter though.

And, no, 'Meeting Room C' is not a euphemism. Stop digging.

[Another_James]

alorotom said:

Saleen836 said:

You could be correct, Alorotom you need to check as your wife might not be entitled to a state pension as you support her

And

MWM3 said:

You should really claim and it and then pay it back, that way your Mrs will get her NI stamp.

Giving advice over the internet = Council

Yeah we are checking - I believe she has been purchasing her "stamp" as required but if claiming and relaying saves this hassle I'm all for it! Thanks all!

You can claim and get the NI credit but opt out of the actual payments to save the admin of paying it back.

Although if you accept (and save) the payments then that money is there if your circumstances change and you unexpectedly don’t hit 50K (redundancy etc)

[V8mate]

I hear that QuickQuid - the 'payday' lender - has closed its doors, as over 10,000 complaints threatened to send it into administration.

The nature of the complaints? Users who said they were given loans they couldn't afford to repay.

The age of personal responsibility is now but a faint memory amongst older folk.

[alorotom]

Another_James said:

alorotom said:

Saleen836 said:

You could be correct, Alorotom you need to check as your wife might not be entitled to a state pension as you support her

And

MWM3 said:

You should really claim and it and then pay it back, that way your Mrs will get her NI stamp.

Giving advice over the internet = Council

Yeah we are checking - I believe she has been purchasing her "stamp" as required but if claiming and relaying saves this hassle I'm all for it! Thanks all!

You can claim and get the NI credit but opt out of the actual payments to save the admin of paying it back.

Although if you accept (and save) the payments then that money is there if your circumstances change and you unexpectedly don’t hit 50K (redundancy etc)

on checking and contacting the pensions people this is indeed what our case is, I recall we had had a discussion about purchasing the credits when we cancelled the claim a while back and I thought this is what we agreed to do. Turns out the Mrs arranged to have the credit applied wihile opting out of the payment. Thanks all ... normality has resumed

[lemmingjames]

austinsmirk said:

trust me, for example not a single taxi driver ever, in the history of claiming, ever does more than the max of 24 hours a week, to get the full claim in. (if its 24 or 16 hrs a week- can't be bothered looking up the thresholds) and that's my inside knowledge !

Im sure Frank will be along shortly to rectify this stain on his previous occupation, i hear he used to drive taxi's but doesnt like to talk about it

[smileymikey]

So it had a happy ending. Not I would suggest the first happy ending she's been involved in

https://www.bristolpost.co.uk/news/bristol-news/ba...

[p4cks]

V8mate said:

I hear that QuickQuid - the 'payday' lender - has closed its doors, as over 10,000 complaints threatened to send it into administration.

The nature of the complaints? Users who said they were given loans they couldn't afford to repay.

The age of personal responsibility is now but a faint memory amongst older folk.

Absolutely this. 'Payday' lenders get a really bad reputation, but only from people who can't manage their money effectively. I've not seen one example anywhere of where they've been found to be the sole reason for the customers' financial mismanagement.

I'm sorry but if you're st at managing your money then the options available to you will be limited. If you then fail to repay the loan you've taken out by the only lender in town willing to take a huge risk on you, then you're even stupider still.

But it's the 'payday' lenders' fault by many.

[Spare tyre]

V8mate said:

I hear that QuickQuid - the 'payday' lender - has closed its doors, as over 10,000 complaints threatened to send it into administration.

The nature of the complaints? Users who said they were given loans they couldn't afford to repay.

The age of personal responsibility is now but a faint memory amongst older folk.

Whilst I agree that they shouldn’t be borrowing it, I’d imagine the 5th generation benefit brigade don’t really understand what they were getting into. Not right but they’ve not been brought up being taught these things.

The older generation would have been told to bugger off by a lender I’d imagine, now as long as computer says yes it’s lent.

Not right but that’s it

[V8mate]

Spare tyre said:

V8mate said:

I hear that QuickQuid - the 'payday' lender - has closed its doors, as over 10,000 complaints threatened to send it into administration.

The nature of the complaints? Users who said they were given loans they couldn't afford to repay.

The age of personal responsibility is now but a faint memory amongst older folk.

Whilst I agree that they shouldn’t be borrowing it, I’d imagine the 5th generation benefit brigade don’t really understand what they were getting into. Not right but they’ve not been brought up being taught these things.

The older generation would have been told to bugger off by a lender I’d imagine, now as long as computer says yes it’s lent.

Not right but that’s it

You're wrong (IMHO). Back in the day, doorstep lenders were rife, and provided a lifeline for many families. No-one was turned down.

The difference is, back then, it was because families were genuinely short making ends meet for essentials. These days, too many people have long lists of entirely unnecessary outgoings and use local lending in order to fund a lifestyle, rather than just getting by.