Managing your debt. How to repay your debt and stay out of debt in the future

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Managing your debt. How to repay your debt and stay out of debt in the future"

Transcription

1 Managing your debt How to repay your debt and stay out of debt in the future ALLA0022 APRIL 2007

2 Repaying your debt If you re on income support we usually take a set amount out of your payments every pay day to repay your debt until the debt is fully paid off. The amount we take depends on what you can afford, and can change if your circumstances change. If you want to pay off your debt faster you can choose to make extra repayments at any time. Talk with your Case Manager if you have any questions about your repayments. If your income support stops You need to call us straight away on and arrange to repay the money you owe. We will explain your options and help you work out a repayment plan to suit your budget. Keeping track of your debt It s a good idea to keep track of your debt so you can budget for your repayments. We don t send out regular statements unless you ask us to but you can call us anytime to find out how much you owe. If you re not coping We know it can sometimes be difficult making repayments while you re on a low income. So if you have trouble keeping up with your repayments please call us as soon as you can. We may be able to help by reducing your repayments or providing extra income support for instance or refer you to someone else who can help. You may also find our booklet Need extra help with costs useful. You can pay off a lump sum at any NZ Post Shop, send us a cheque, set up regular deductions from your wages or bank account, or make repayments by phone or internet. While you re repaying your debt you ll have a Debt Management Officer you can call if you have any questions. 2

3 Remember your debt won t go away We actively collect debts owed to us, and take the time to trace people who owe us money. One of the ways we do this is by comparing records with other Government departments (see the Benefit Fraud leaflet for more details). We also have certain legal rights if you don t repay us, for instance we can have money deducted from your wages or bank account. Who you can talk to If you have any questions about your debt or repayments please call if you get income support, or if your income support has stopped. Preventing debts in the future Once you ve paid off your debts, it s really important you try and stay out of debt. Here are a couple of things you can do to help prevent getting into debt in the future. Tell us about any changes By telling us straight away about any changes to your personal situation, you can help ensure the right amount of income support is paid to you so you don t end up owing us money. You should tell Work and Income straight away if you: find a job or have a change in the hours worked whether paid or unpaid become self employed or start to run a business intend to travel overseas (even for a short time) start/finish part-time or full-time study are imprisoned or held in custody on remand are admitted to or discharged from hospital have been granted an overseas pension get married or separate, start or end a civil union or de facto relationship with someone of the same or opposite sex have a change in the number of children living with or supported by you have a change in accommodation costs

4 have any other change that may affect your benefit entitlement or rate of payment of income support change your name, address or bank account number Create a budget plan A budget plan can help you manage your money better. It means you can be more prepared if you suddenly have an unplanned expense and it means you may not need to borrow money to meet these expenses. Ask your Case Manager for advice or pick up a copy of our Managing your Money brochure to help you get started on a budget plan. Please call us if you have any questions about your debt or repayments. Useful contacts Work and Income Debt enquiries Allegation line General benefit enquiries Accommodation and childcare New Zealand Superannuation Veteran s Pensions Community Services Card Deaf Link fax StudyLink Inland Revenue Department General enquiries Working for Families Tax Credits Child Support ACC General claims Sensitive claims Others Citizens Advice Bureau NZ Federation of Family Budgeting Services (Inc) Listed in your local telephone book under: Budget Advice Services 7

5 If you re reading this brochure you ve probably been paid more income support than you re entitled to, or received an advance payment that you ve agreed to pay back. This brochure tells you how you can repay your debt to us, and what you can do to help prevent getting into debt in the future. If you have any questions after you ve read this please give us a call our numbers are listed throughout this brochure. ALLA0022 APRIL 2007

New Zealand Superannuation Application Spouse/Partner

New Zealand Superannuation Application Spouse/Partner New Zealand Superannuation Application Spouse/Partner If you need help with this form call us on % 0800 552 002. Please read this before you start Being included in your spouse/ partner s New Zealand Superannuation

More information

Community Services Card. Helping you with the costs of health care

Community Services Card. Helping you with the costs of health care Community Services Card Helping you with the costs of health care Contents You pay less for some health services You pay less for some health services 3 You might pay less for prescriptions 4 Can I get

More information

Training Incentive Allowance Application

Training Incentive Allowance Application Training Incentive Allowance Application CLIENT NUMBER Please read this before you start Training Incentive Allowance helps people with a number of employment-related training costs. This may include course

More information

New Zealand Superannuation application

New Zealand Superannuation application New Zealand Superannuation application Why not fill in your application online? Our interactive form will guide you through only the questions you need to answer. When you have finished, you will need

More information

Student Allowance Partner s application form

Student Allowance Partner s application form Student Allowance Partner s application form This form is to be completed by the partner 1 of the person applying for the Student Allowance. The student will also need to complete a Student Allowance application.

More information

Questions. about your Simple Payment card

Questions. about your Simple Payment card Questions about your Simple Payment card 1. What is Simple Payment? Simple Payment is a service delivered jointly by the government, Citibank and PayPoint. 2. What is a Simple Payment card? Normally the

More information

Application for Home Help Payments

Application for Home Help Payments Application for Home Help Payments If you need help with this form call us on % 0800 559 009. Who can get this payment If you need help filling in this form, please ask at your nearest Work and Income

More information

STUDENT LOAN? WHAT S IN A

STUDENT LOAN? WHAT S IN A WHAT S IN A STUDENT LOAN? A student loan can help to finance your tertiary studies. You can get a loan to help with your fees, course-related costs and weekly living costs. But remember, only borrow what

More information

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5 Managing your money Contents Why budget? Why budget? 3 Do I need a budget? 3 Some budgeting ideas 4 Talking with a budgeting advisor 5 Extra help with costs 6 Budget worksheet to help you get started 7

More information

Managing debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan

Managing debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan debt Managing debt It s easy to get into, harder to get out. Inside... Think before you borrow Know your options Make a debt repayment plan brought to you by the retirement commission Think before you

More information

Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT?

Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Housing and Public Protection Department Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Wrexham County Borough Council's Homelessness Service may be able to help Alternative

More information

debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan

debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan Think before you borrow Borrowing money is called getting into debt.

More information

Student Allowance additional application form

Student Allowance additional application form Student Allowance additional application form Complete this form if you have already received a Student Allowance this year and you are applying again in the same year because your course has finished

More information

Stage One: Planning for your baby s arrival

Stage One: Planning for your baby s arrival 4 Baby Steps Stage One: Planning for your baby s arrival Your bundle of joy can also bring big expenses, even before he or she is born. Spending a bit of time planning your finances before your baby arrives

More information

Deferred Loan Application

Deferred Loan Application Deferred Loan Application MINISTRY OF HEALTH MANATU HAUO RA Deferred Loans When a residential care loan becomes repayable, a deferred loan can be offered to people in certain circumstances. Residential

More information

Disability Allowance Application

Disability Allowance Application Disability Allowance Application CLIENT NUMBER If you need help with this form call us on % 0800 559 009. Who can get Disability Allowance? Please read this before you start Name If you, or a family member,

More information

Childcare and OSCAR Subsidy Application

Childcare and OSCAR Subsidy Application Childcare and OSCAR Subsidy Application If you need help with this form call us on % 0800 559 009. Who can get this subsidy If you need help filling in this form, please ask at your nearest Work and Income

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public Debt options What to do if you re having trouble paying your tax on time IR 582 April 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 Struggling to pay a tax

More information

WAYS 2 FUND YOUR STUDY

WAYS 2 FUND YOUR STUDY WAYS 2 FUND YOUR STUDY Student Allowance 3 Student Loan 5 Work and Study 7 Scholarships 8 Extra costs while studying 9 Next steps 10 How to apply 10 Seven steps to apply 11 Useful links 12 While you re

More information

Approaching retirement

Approaching retirement A guide to tax and National Insurance contributions IR121 Contents Introduction Retiring early National Insurance contributions 1 Get a state pension forecast 2 Income tax 2 Claiming your State Pension

More information

Getting help after someone dies from an injury

Getting help after someone dies from an injury Getting help after someone dies from an injury Getting help after someone dies from an injury If someone in your family dies from an injury, ACC may be able to help cover your financial needs. We understand

More information

Change of Circumstances application form

Change of Circumstances application form Change of Circumstances application form Complete this form if your circumstances have changed in any way. The fastest and easiest way to tell us about changes is using MyStudyLink. Using a MyStudyLink

More information

The Social Fund. Part of the Department for Work and Pensions

The Social Fund. Part of the Department for Work and Pensions The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social

More information

Getting help if you ve been injured while travelling overseas

Getting help if you ve been injured while travelling overseas Getting help if you ve been injured while travelling overseas For more information ACC information online www.acc.co.nz Claim information freephone 0800 101 996 We have interpreters who can help you talk

More information

WHAT BANKRUPTCY CAN T DO

WHAT BANKRUPTCY CAN T DO A decision to file for bankruptcy should only be made after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

Employment and Support Allowance

Employment and Support Allowance Employment and Support Allowance Help if you are ill or disabled Contents 3 About Employment and Support Allowance 4 Who can get Employment and Support Allowance 6 What happens when I claim? 7 Helping

More information

Housing & Council Tax Benefit A Landlord s Guide

Housing & Council Tax Benefit A Landlord s Guide Housing & Council Tax Benefit North Yorkshire Training Group Benefits Leaflet also available in large print Contents: Part 1 - About this booklet Part 2 - What is Housing Benefit and Council Tax Benefit

More information

Extra Help Application

Extra Help Application Extra Help Application If you need help with this form call us on % 0800 559 009. What this Application includes Accommodation Supplement Disability Allowance Temporary Additional Support. What other help

More information

Special Needs Grant International Custody Dispute Payment

Special Needs Grant International Custody Dispute Payment Special Needs Grant International Custody Dispute Payment CLIENT NUMBER If you need help with this form call us on % 0800 559 009. Who can get this payment If you need help filling in this form, please

More information

A Self Help Guide to Money Problems

A Self Help Guide to Money Problems A Self Help Guide to Money Problems DERBY CITY COUNCIL Money Advice Service If you re in debt and don t know which way to turn, then this guide will help you. Act now! Help yourself by following these

More information

Retirement planning. Choosing the lifestyle you want. Inside... retirement. How much will you need? Where will your money come from?

Retirement planning. Choosing the lifestyle you want. Inside... retirement. How much will you need? Where will your money come from? retirement Retirement planning Choosing the lifestyle you want Inside... How much will you need? Where will your money come from? Your savings Six things to think about How much will you need? Even if

More information

DISABILITY ALLOWANCE APPLICATION FORM

DISABILITY ALLOWANCE APPLICATION FORM DISABILITY ALLOWANCE APPLICATION FORM COMPLETE THIS FORM IF YOU WANT TO APPLY FOR DISABILITY ALLOWANCE. If you, or a family member have a disability likely to continue for at least six months, you may

More information

Code of practice for recovering domestic water debt

Code of practice for recovering domestic water debt Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What

More information

Student loans A guide to terms and conditions 2014/15

Student loans A guide to terms and conditions 2014/15 Student loans A guide to terms and conditions 2014/15 sound advice on STUDENT FINANCE For more information and to apply visit www.studentfinancewales.co.uk SFW/SLTC/V14/D CONTENTS SECTION 1 What this guide

More information

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments Southend-on-Sea Borough Council Department for Corporate Services Revenues & Benefits Service Housing Benefit A Guide to Overpayments A guide to Overpayments This leaflet is designed to explain the following:

More information

PTGFD Grants for Dependants application form for part-time students 2015/16

PTGFD Grants for Dependants application form for part-time students 2015/16 Facebook f Logo RGB /.eps Facebook f Logo PTGFD Grants for Dependants application form for part-time students 2015/16 About this form Who should complete this form? You should complete this form if: you

More information

Civil legal aid information for applicants

Civil legal aid information for applicants Civil legal aid information for applicants This leaflet covers both civil legal aid and advice and assistance Solicitors you must give this leaflet to clients before they complete a financial eligibility

More information

Dealing with Debt. www.waverley.gov.uk/housingoptions

Dealing with Debt. www.waverley.gov.uk/housingoptions Dealing with Debt www.waverley.gov.uk/housingoptions You Are Not Alone These days, lots of people are in debt for different reasons and many people find their debts difficult to manage. The important thing

More information

Approved issuer levy (AIL)

Approved issuer levy (AIL) IR 395 October 2014 Approved issuer levy (AIL) A A guide for payers www.ird.govt.nz 1 Introduction If you (a borrower) pay interest to a non-resident lender (the person who you ve borrowed from), and want

More information

Deferring your State Pension

Deferring your State Pension Deferring your State Pension October 2014 2 Contents 4 Introduction 5 When can I get my State Pension? 6 Putting off claiming your State Pension 8 What are my choices? 9 How much more money could I get?

More information

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all Self-help guide... DEBT Dealing with DEBT abc www.broadland.gov.uk IN TRAN communication for all Where to get ADVICE on debt problems If you feel that you have money problems that are too difficult to

More information

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS 1 You should file for bankruptcy only after carefully deciding that bankruptcy is the best way to deal with your financial problems. This pamphlet

More information

You can find up to date information on GOV.UK. This leaflet is no longer current. Having a baby. April 2014

You can find up to date information on GOV.UK. This leaflet is no longer current. Having a baby. April 2014 Having a baby April 2014 Introduction This leaflet is for parents who are expecting or have recently had a baby, or who are adopting a baby or young child. You should find it useful if this is your first

More information

Student Loans - A guide to terms and conditions 2015/16. www.gov.uk/studentfinance

Student Loans - A guide to terms and conditions 2015/16. www.gov.uk/studentfinance Student Loans - A guide to terms and conditions 2015/16 www.gov.uk/studentfinance Contents 1 What s this guide about? 2 2 Your loan contract 2 3 Who does what? 3 4 Your responsibilities 4 5 Which Repayment

More information

Sole Parent Support application

Sole Parent Support application Sole Parent Support application Why not apply online? Go to www.workandincome.govt.nz. If you need more information go to our website or call us on 0800 559 009. We suggest that you read the instructions

More information

Incapacity Benefit. Help if you re too ill or disabled to work. Part of the Department for Work and Pensions

Incapacity Benefit. Help if you re too ill or disabled to work. Part of the Department for Work and Pensions Incapacity Benefit Help if you re too ill or disabled to work Part of the Department for Work and Pensions Are you too sick or disabled to work? If the answer is yes, you should read this leaflet. It will

More information

ALL YOU NEED TO KNOW.

ALL YOU NEED TO KNOW. LIFETIME MORTGAGE LIFETIME MORTGAGES ALL YOU NEED TO KNOW 1 ALL YOU NEED TO KNOW. 2 LIFETIME MORTGAGES ALL YOU NEED TO KNOW CONTENTS 1. IntrODUCTION 2. AbOUT lifetime mortgages 3. FeaturES of our lifetime

More information

Dealing with debt Top Tips

Dealing with debt Top Tips Dealing with debt Top Tips Don t ignore the problem it won t go away. The longer you leave it, the worse it will get. Get advice from the Student Advice Centre, Citizens Advice Bureau or other independent

More information

Student loans making repayments

Student loans making repayments www.ird.govt.nz 1 IR 224 April 2014 Student loans making repayments 2 STUDENT LOANS making repayments www.ird.govt.nz Go to our website for information, and to use our services and tools. myir secure online

More information

classic retirement benefits A brief guide to the benefits available

classic retirement benefits A brief guide to the benefits available classic retirement benefits A brief guide to the benefits available Who should read this booklet? This booklet provides a guide to pension benefits for anyone leaving and taking their classic pension.

More information

HELP WITH RENT AND COUNCIL TAX FOR PEOPLE OF WORKING AGE. A Guide to Housing Benefit and Council Tax Benefit for Students

HELP WITH RENT AND COUNCIL TAX FOR PEOPLE OF WORKING AGE. A Guide to Housing Benefit and Council Tax Benefit for Students HELP WITH RENT AND COUNCIL TAX FOR PEOPLE OF WORKING AGE A Guide to Housing Benefit and Council Tax Benefit for Students A GUIDE TO HOUSING BENEFIT AND COUNCIL TAX BENEFIT FOR STUDENTS This leaflet explains

More information

Funeral Grant application

Funeral Grant application Funeral Grant application A Funeral Grant may help with some of the funeral costs for a person who has died. Funeral Grants are asset and income tested. Other conditions also apply. For more information:

More information

Your retirement income. Exploring your options

Your retirement income. Exploring your options Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested

More information

A guide to overpayments and debt

A guide to overpayments and debt If you have any questions about Housing Benefit or Council Tax Benefit please contact us by: Phoning us on 0300 123 70 70 Visiting your local council office, or looking at our website www.durham.gov.uk

More information

We have provided guidance notes to help you so please refer to these each time you see this icon.

We have provided guidance notes to help you so please refer to these each time you see this icon. Application for Student Finance for continuing students 2015/16 PR1 You can also apply online at www.studentfinanceni.co.uk Your forename(s) Your surname You should complete this form if you are continuing

More information

STUDENT LOANS - A GUIDE TO TERMS AND CONDITIONS 2014/15

STUDENT LOANS - A GUIDE TO TERMS AND CONDITIONS 2014/15 STUDENT LOANS - A GUIDE TO TERMS AND CONDITIONS 2014/15 CONTENTS SECTION 1 - WhaT ThIS guide IS about SECTION 2 - YOuR LOaN CONTRaCT SECTION 3 - WhO does WhaT? If you still have questions about the terms

More information

Prepayment Meters ( Pay As You Go ) A ScottishPower Charter

Prepayment Meters ( Pay As You Go ) A ScottishPower Charter Prepayment Meters ( Pay As You Go ) Page 1 Introduction This charter tells you what you need to know about using a prepayment meter to pay for your electricity or gas. Section Contents Page 1 What You

More information

Sheffield Benefits Service

Sheffield Benefits Service Sheffield Benefits Service April 2013 Housing Benefit & Council Tax Support for people of working age Housing Benefit and Council Tax Support Housing Benefit is a national welfare benefit, administered

More information

(federal education loans for parents)

(federal education loans for parents) PLUS (federal education loans for parents) Frequently Asked Questions For more information on this, turn to page... How do I know if I m eligible for a Direct PLUS Loan? You re probably eligible if you

More information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information Glasgow City Council Housing Benefit and Council Tax Reduction Application Information Section 1 Personal Details To help us process your application and allow us to contact you if we need more information,

More information

Frequently asked questions about Student Finance from September 2012

Frequently asked questions about Student Finance from September 2012 Frequently asked questions about Student Finance from September 2012 Who is this document for? Unless otherwise specified, details of the student finance package described in this document relate only

More information

Budget 2012 Changes to Student Loans and Allowances

Budget 2012 Changes to Student Loans and Allowances Budget 2012 Changes to Student Loans and Allowances On 24 May the Government announced changes to Student Loans and Student Allowances as part of Budget 2012. The changes are: The Student Allowance will

More information

Money Advice Pack PB 1

Money Advice Pack PB 1 Money Advice Pack 1 Introduction Many people suffer difficulties with money at some time in their lives. Money problems can be caused by a variety of reasons, such as losing your job, illness, decreased

More information

General information on the Code of Banking Practice

General information on the Code of Banking Practice General information on the Code of Banking Practice Contents About this booklet 1 Opening a new account with ING DIRECT 1 Please read our Product Disclosure Statement or Terms and Conditions booklet 1

More information

How to get help if you can t pay your bill

How to get help if you can t pay your bill How to get help if you can t pay your bill Code of Practice 1 - Code of Practice Please tell us straight away if you are having difficulty in paying. We are always happy to help. Call our customer helpline

More information

How we work out child maintenance. A step-by-step guide

How we work out child maintenance. A step-by-step guide How we work out child maintenance A step-by-step guide About this leaflet This leaflet explains how the Child Maintenance Service works out child maintenance. It tells you the information we use and the

More information

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Debt Recovery Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Help us to help you The advice in this leaflet is very important. It incorporates

More information

REDUNDANCY. helping you. to get to grips with fi nances during redundancy

REDUNDANCY. helping you. to get to grips with fi nances during redundancy REDUNDANCY helping you to get to grips with fi nances during redundancy Contents First things first 2 Budget carefully 4 What next? 6 Who can help? 9 Things to think about 11 Together we ll work it out

More information

Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION

Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION This leaflet explains overpayments and where to get help if you are in debt An overpayment is where we pay you or your landlord

More information

Receiving your personal budget as a direct payment

Receiving your personal budget as a direct payment Receiving your personal budget as a direct payment This information sheet outlines in more detail the things you need to consider and the steps you need to take to receive your personal budget as a direct

More information

FACT SHEET. Money matters. Paying bills

FACT SHEET. Money matters. Paying bills 12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies

More information

Student Allowance One Parent application form

Student Allowance One Parent application form Student Allowance One Parent application form Complete this form if you are the parent 1 of a student who needs to have only one parent s income tested for the Student Allowance. The student will also

More information

Our standard terms and conditions for Your Advanced Personal Loan.

Our standard terms and conditions for Your Advanced Personal Loan. Our standard terms and conditions for Your Advanced Personal Loan. For loans approved on or after 6 June 2015 6 June 2015 Important Information The information set out below forms part of your disclosure

More information

K.2 Answers to Common Bankruptcy Questions

K.2 Answers to Common Bankruptcy Questions Adapted from Consumer Bankruptcy Law and Practice, 10 th Edition, National Consumer Law Center, copyright 2012. Used by permission. K.2 Answers to Common Bankruptcy Questions A decision to file for bankruptcy

More information

A guide to the pension changes in April 2015

A guide to the pension changes in April 2015 A guide to the pension changes in April 2015 106027837.indd 1 05/01/2015 10:00 Contents What do the changes mean for you? 3 Summary of the changes from 6 April 2015 5 What s changed in practice? 6 How

More information

Student Allowance Transfer Grant application

Student Allowance Transfer Grant application Student Allowance Transfer Grant application The Student Allowance Transfer Grant is a one-off payment to help if you have a partner 1 and/ or child(ren) who are dependent on you and you are in hardship

More information

Using Credit to Your Advantage Credit Cards and Loans Participant Guide

Using Credit to Your Advantage Credit Cards and Loans Participant Guide Hands on Banking Using Credit to Your Advantage The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the program anytime at www.handsonbanking.org & www.elfuturoentusmanos.org

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

What You Should Know About Bankruptcy What Is Bankruptcy?

What You Should Know About Bankruptcy What Is Bankruptcy? FACTS FOR National Consumer Law Center What You Should Know About Bankruptcy What Is Bankruptcy? Bankruptcy is a process under federal law designed to help people and businesses get protection from their

More information

Debt recovery. code of practice

Debt recovery. code of practice Debt recovery code of practice We want to help As a Wessex Water customer, you are entitled to a high level of service from us and our billing company Bristol Wessex Billing Services Limited (BWBSL). In

More information

Hot Topic #4. Student Loans. Sample

Hot Topic #4. Student Loans. Sample Hot Topic #4 Student Loans Contents Student Loans... 3 Cost of taking out a student loan... 4 Activity... 4 Key Facts... 5 Paying the loan back... 5 Activity... 6 This Young Enterprise Trust teaching resource

More information

NYC Bankruptcy Assistance Project

NYC Bankruptcy Assistance Project NYC Bankruptcy Assistance Project A Project of Legal Services for New York City Answers to Common Bankruptcy Questions A decision to file for bankruptcy should be made only after determining that bankruptcy

More information

Bankruptcy may make it possible for you to:

Bankruptcy may make it possible for you to: A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

Voluntary Exit guidance for staff

Voluntary Exit guidance for staff Voluntary Exit guidance for staff This guide tells you about the compensation benefits available under the Civil Service Compensation Scheme 2010 if your employer runs a voluntary exit scheme. Who can

More information

Mortgage Repayment Cover

Mortgage Repayment Cover Assurance Extra Mortgage Repayment Cover What is Mortgage Repayment Cover? Mortgage Repayment Cover is an insurance that pays you monthly amounts to cover your mortgage repayments if you become totally

More information

Frequently asked questions about Student Finance from September 2012

Frequently asked questions about Student Finance from September 2012 Frequently asked questions about Student Finance from September 2012 Who is this document for? Unless otherwise specified, details of the student finance package described in this document relate only

More information

court fees do you have to pay them? Some people do not have to pay a court fee, by law

court fees do you have to pay them? Some people do not have to pay a court fee, by law court fees do you have to pay them? Some people do not have to pay a court fee, by law Other people may not have to pay a court fee, or they may pay a smaller fee EX160A Court Fees do you have to pay them?

More information

Q&A on tax relief for individuals & families

Q&A on tax relief for individuals & families Q&A on tax relief for individuals & families A. Tax cuts individuals What are the new tax rates? The table below shows the new tax rates being rolled out from 1 October 2008, 1 April 2010 and 1 April 2011,

More information

Bankruptcy FAQ. What Can Bankruptcy Do for Me? What Is Bankruptcy? What Bankruptcy Can Not Do. Bankruptcy may make it possible for you to:

Bankruptcy FAQ. What Can Bankruptcy Do for Me? What Is Bankruptcy? What Bankruptcy Can Not Do. Bankruptcy may make it possible for you to: What Can Bankruptcy Do for Me? Bankruptcy may make it possible for you to: Eliminate the legal obligation to pay most or all of your debts. This is called a discharge of debts. It is designed to give you

More information

Opening a bank account

Opening a bank account Opening a bank account There are two main types of bank account. We ve outlined the main features and benefits for you. There s also a guide to the most common banking terms in case you re unsure. Some

More information

Student Loans Company. Repaying your student loan

Student Loans Company. Repaying your student loan Student Loans Company Repaying your student loan Contents Page Introduction 3 How much do I repay? 4 Do I pay interest on my loan? 6 How do I repay? 7 When will I get a statement? 11 Coming to the end

More information

MABS Guide to the Personal Insolvency Act, 2012

MABS Guide to the Personal Insolvency Act, 2012 MABS Guide to the Personal Insolvency Act, 2012 DISCLAIMER: This Guide is for general information purposes only and does not constitute legal, financial or other professional advice. Specific advice should

More information

Students and young people. Credit Crossroads

Students and young people. Credit Crossroads Students and young people Credit Crossroads Experian is a leading UK credit reference agency. When you apply for credit, you will probably give the lender (the company you want credit from) permission

More information

Life Insurance Buyer s Guide

Life Insurance Buyer s Guide Life Insurance Buyer s Guide This guide can show you how to save money when you shop for life insurance. It helps you to: - Decide how much life insurance you should buy, - Decide what kind of life insurance

More information

Changes to Benefits Welfare Reform Update

Changes to Benefits Welfare Reform Update Changes to Benefits Welfare Reform Update Under Occupation Council Tax Support The Benefit Cap Universal Credit And More... Find us online www.centralbedfordshire.gov.uk www.facebook.com/letstalkcentral

More information

LIFE COVER - PROTECTION FOR YOUR FAMILY

LIFE COVER - PROTECTION FOR YOUR FAMILY LIFE COVER - PROTECTION FOR YOUR FAMILY The LGPS provides valuable life cover and financial protection for your family. Where pension terms are used, they appear in bold italic type. These terms are defined

More information

Take control of your money

Take control of your money Take control of your money A resource to help you learn about budgeting. Information given is of a general nature only and does not constitute personalised financial advice. While BNZ has made every effort

More information

UPDATED. XyxxYy. Benefit Changes. The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared?

UPDATED. XyxxYy. Benefit Changes. The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared? UPDATED Benefit Changes XyxxYy The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared? 1 XyxxYy ARE YOU PREPARED FOR UNIVERSAL CREDIT? Most people in Sheffield who currently

More information

Extra help - Dependants' Grants

Extra help - Dependants' Grants Extra help - Dependants' Grants 2015/16 www.gov.uk/studentfinance What is Student Finance England? Contents Student Finance England is a service provided by the Student Loans Company. We provide financial

More information