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Fillable Printable Budgeting Loans - UK

Fillable Printable Budgeting Loans - UK

Budgeting Loans - UK

Budgeting Loans - UK

Notessheet
BudgetingLoans
fromtheSocialFund
Pleasereadthesenotescarefully.Theyexplainthe
circumstanceswhenabudgetingloancanbepaid.
BudgetingLoans
l YoumaybeabletogetaBudgetingLoanif:
youhavebeengettingIncomeSupport,income-based
Jobseeker’sAllowance,income-relatedEmploymentand
SupportAllowance, PensionCreditorpaymentonaccountof
oneofthesebenefitsorentitlementsforatleast26weeks
and
l Youneedhelp
tobuyfurnitureorhouseholdequipment
tobuyclothingandfootwear
topayrentinadvanceand/orremovalexpensestosecure
freshaccommodation
topayforhomeimprovements,maintenanceorsecurity
withtravellingexpenseswithintheUK
topayforthingstohelpyoulookfororstartwork
torepayHPorotherdebtsthathavebeentakenout.
Wecannothelpwithanyothertypesofitemsorservices.
BudgetingLoanshavetobepaidbackbuttheyareinterestfree.
YoucanhaveoneofthreeratesofBudgetingLoan.Theamount
dependsonwhetheryouaresingle,acouplewithoutchildrenor
qualifyingyoungpersonsoraoneortwoparentfamilywith
childrenorqualifyingyoungpersons.
TheamountofBudgetingLoanyoucanhavealsodependson
whetheryouhaveanyotherbudgetingloansfromtheSocialFund.
TheamountofanyBudgetingLoanwemaypaytogetherwiththe
amountyoustillowetheSocialFundcannotbemorethan£1,500.
SF500 10/11
Savings
l Ifyouandyourpartnerareagedunder60,savingsofmorethan£1,000mayaffect
theamountofmoneyyoucanget.
l Ifyouoryourpartnerareaged60orover,savingsofmorethan£2,000mayaffectthe
amountofmoneyyoucanget.
Wecannotmakeapaymentforaloanifyoualreadyowe£1,500ormoretothe
Social Fund.
WecannotpayaBudgetingLoanforexpensesoflessthan£100.
Howwedecidewhatwecanpayyou
Thedecisionmakerwilllookattherelevantcircumstancesanddecidethemaximum
sizeofBudgetingLoanyoucanhave,ifyouhavenoexistingSocialFunddebt.
Whetherornotyoucanhavealoanofuptothatamountwilldependonifyou
alreadyhaveabudgetingloandebt.
l Weusepartner tomean
– apersonyouaremarriedtoorapersonyoulivewithasifyouaremarriedtothem,or
– acivilpartnerorapersonyoulivewithasifyouarecivilpartners.
l Weusechild tomeanapersonagedunder16whoyouaregettingChildBenefitfor.
l Weusequalifyingyoungperson tomeanapersonaged16,17,18or19whoyouare
gettingChildBenefitfor.
Notes
Aboutyourapplication
Howyoupaybackaloan
l Wewilllookatwhatyoucanaffordbeforewedecideonthearrangementsforrepayments.
l IfwecanpayyouaBudgetingLoan,wemaymakeyouuptothreedifferentoffers.Itwillbeuptoyou
whichoftheseoffersyoucanaffordtopayback.Wemaynotbeabletolowertherepaymentrateifyou
laterfeelyoucannotaffordtherateyouoriginallyagreeto.
l IfwecanpayyouaBudgetingLoan,wewillaskyoutoagreetorepayitandalsotoagreethewayyou
willrepayitbeforewemakethepayment.
l Wewilltakethemoneybackinweeklyrepaymentsfromyourbenefit.Ifyouoryourpartnerdonotget
anybenefit,wewillarrangefortheloantoberepaidinanotherway.
l Ifyouhaveproblemslateronmakingtherepaymentsasoriginallyagreed,wemaybeabletohelp,for
examplereducingyourpaymentsbyextendingtherepaymentperiod.YourJobcentrePlusofficecan
giveyouadvice.
Helpandadvice
Ifyouwantmoreinformation
l GetintouchwithJobcentrePlus.Youcanfindthephonenumberandaddressinthebusinesssectionof
thephonebook.LookunderJobcentrePlus.Youcanalsogetmoreinformationfromwww.direct.gov.uk
or
l GetintouchwithanadvicecentreliketheCitizensAdviceBureau.
Thesenotesgivegeneralguidanceonlyandshouldnotbe
treatedasacompleteandauthoritativestatementofthelaw.
Tearoffthispagetokeepforyourinformation
s
Part1
Aboutyouandyourpartner
l Beforeyoucompletethisform,pleasereadthenotessheetwhich
tellsyouaboutalltypesofhelpyoucangetfromtheSocialFund.
l UsethisformtoapplyforaBudgetingLoan.Completethisformin
ink,signanddateanyalterationsyoumake.
l IfyouaregettingIncomeSupport,income-basedJobseeker’s
Allowance,income-relatedEmploymentandSupportAllowanceor
PensionCredit,thepersonwhobothclaimsandgetspaidthatbenefitor
entitlementshouldfillinthisform.
l Tellusaboutyourselfandyourpartner,ifyouhaveone.
Weusepartner tomean
– apersonyouaremarriedtoorapersonyoulivewithasifyouare
marriedtothem,or
– acivilpartnerorapersonyoulivewithasifyouarecivilpartners.
l Fillintheformfullybyansweringall thequestionsandrequestsfor
information.Yourapplicationmaybedelayedifwedonothaveallthe
informationweneed.
Forofficeuseonly
Applicationnumber
DateofSFCSinput
/ /
Datedecisionmade
/ /
Initials
Signature
You Yourpartner
Surnameorfamilyname
Othersurnamesyou
havebeenknownby
NationalInsurance(NI)
number
Letters Numbers Letter Letters Numbers Letter
Mr/Mrs/Miss/Ms
Allothernamesinfull
Mr/Mrs/Miss/Ms
You can find the number on your National Insurance
(NI) numbercard, letters about your benefit or payslips
You can find the number on their National Insurance
(NI) numbercard, letters about their benefit or payslips
Addresswhereyoulive
now
Tellusyourpartner’s
address,ifdifferent
Postcode Postcode
/ / / /
Whatisthisnumber?
Pleasetick
Code Number Code Number
workHome mobile fax faxworkHome mobile
Areyouoryourpartner
involvedinatradedispute?
Weusetradedispute tomean
astrike,walk-out,lock-outor
anyotherdisputeaboutwork.
No
Yes
No
Yes
Dateofbirth
Daytimephonenumber
Budgeting
Loans
fromthe
SocialFund
SF500 10/11
1
Part2
Aboutyourchildrenorqualifyingyoungpersons
Pleasetellusaboutanychildrenorqualifying
l Weusechild tomeanapersonagedunder16whoyouare
youngpersonsyouaregettingabenefitor
gettingChildBenefitfor.
entitlementfor.
l Weusequalifyingyoungperson tomeanapersonaged16,17,
18or19whoyouaregettingChildBenefitfor.
Name Dateofbirth Name Dateofbirth
/ /
/ /
/ /
/ /
/ /
/ /
l Ifyouhavemorethan6childrenorqualifyingyoungpersons,tellusabouttheminPart8
Moreinformation.
AreyougettingIncomeSupportor
income-basedJobseeker’sAllowancefor
yourchildrenorqualifyingyoungpersons?
AreyougettingChildTaxCreditforyourchildren
orqualifyingyoungpersons?
AreyougettingChildBenefitforyourchildrenor
qualifyingyoungpersons?
Part3
Aboutwhatyouneed
Budgetingloanscanonlybegivenforthe
typesofitemsorserviceslistedinthispart.
Pleaseenterthetotalamountyouneedin
the Totalamountappliedfor boxforwhat
you need.Alsoticktheothercategoryboxes
thatapplytoyou.
Wedonotneedanymoreinformationfor
this part.
No
Yes
No
Yes
No
Yes
£
Totalamountappliedfor
Howmuchdoyoureceiveweekly?
Howmuchdoyoureceiveweekly?
Howmuchdoyoureceiveweekly?
Furnitureandhousehold
equipment
Rentinadvanceorremoval
expensestosecurefresh
accommodation
Travellingexpenses
withintheUK
Clothingandfootwear
£
£
£
Improvement,maintenanceand
securityofthehome
Expensesassociatedwith
seekingorre-enteringwork
RepayingHPandotherdebts
foranyitemsorexpenses
whichareassociatedwiththe
categoriesabove
2
Part4
Aboutbenefitsandentitlements
GotoPart8.
Areyouoryourpartnercurrentlygetting
No
IncomeSupport,income-basedJobseeker’s
Yes Tellusthedateyouhave
Allowance,income-relatedEmployment
beengettinganyofthese
From
/ /
/ /
To
andSupportAllowance,PensionCreditor
benefitsorentitlements
paymentonaccountofoneofthese
To
inthelast26weeks.
From
benefitsorentitlements?
/ /
/ /
Hasapartneroranex-partnerreceived
IncomeSupport,income-basedJobseeker’s
Allowance,income-relatedEmployment
andSupportAllowance,PensionCreditor
paymentonaccountofoneofthese
benefitsorentitlementsforyou,inthelast
26weeks?
No
Yes Tellusaboutthisperson.
Theirname
TheirNationalInsurance(NI)
number
Dateofbirth
Dateofseparation
Theiraddress
/ /
/ /
Postcode
Haveyoumadethisclaimbecauseyou
haveseparatedfromsomeone?
No
Yes Tellusaboutthepersonyouhaveseparatedfrom.
Theirname
Theirdateofbirth
/ /
3
Part5
Aboutmoneyyouhavetopayout
Pleasetellusaboutanymoneythatyouoryourpartner
havetopayoutregularly,butdonotincludenormalliving
expenseslikegasandelectricchargesorfoodbills.
Includethingslikecataloguemoney,hirepurchase,loan
paymentsandfines.
l Ifyouneedmorespace,usetheboxin Part8.
Whodoyoupaythemoneyto? Howmuchareyoupayingandhowoften? Howmuchisowed?
£ every
£
£ every
£
£ every
£
Part6
Aboutsavings
Doyouoryourpartnerhaveanysavings?
No
Ifyouandyourpartnerarebothagedunder60,
wemaybeabletodisregardthefirst£1,000of
Yes Howmuchdoyouhave?
yoursavings.Ifeitheryouoryourpartnerare
£
over 60,wemaybeabletodisregardthefirst
£2,000ofyoursavings.
Savingsmeansanycapitalyouandyourpartner
have,including
l anymoneyyouhaveathome,inthebank,in
thebuildingsocietyorinacreditunionaccount
l premiumbonds
l investments,suchassharesorunittrusts.
l thevalueofanypropertyyouoryourpartner
ownthatyoudonotlivein.Forexample,a
houseyouletout,aholidayhome,or
somewhereanothermemberofyourfamily
lives.
4
Part7
Howwepayyou
Wenormallypayyourmoneydirectintoanaccount
Manybanksandbuildingsocietieswillletyoucollectyourmoneyatthepostoffice.
WewilltellyouwhenyourSocialFundpaymentwillbemadeandhowmuchitwill
be for.
Findingouthowmuchwehavepaidintotheaccount
Youcancheckyourpaymentsonaccountstatements.Thestatementsmayshow
yourNationalInsurance(NI)numbernexttoanypaymentswehavemade.Ifyou
thinkyourpaymentiswrong,getintouchwiththeofficethatpaysyoustraightaway.
Ifwepayyoutoomuchmoney
Wehavetherighttotakebackanymoneywepaythatyouarenotentitledto.
This maybebecauseofthewaythesystemworksforpaymentsintoanaccount.
For example,youmaygiveusinformationwhichmeansyouareentitledtoless
money.Sometimeswemaynotbeabletochangetheamountwehavealreadypaid
you.This meanswewillhavepaidyoumoneythatyouarenotentitledto.
Wewillcontactyoubeforewerecoveranymoney.
Whattodonow
l Tellusabouttheaccountyouwanttouseonthenextpage.Bygivingusyour
accountdetailsyou:
–agreethatwewillpayyouintoanaccount,and
–understandwhatwehavetoldyouaboveinthesectionIfwepayyoutoomuch
money.
l Ifyouaregoingtoopenanaccount,pleasetellusyouraccountdetailsassoonas
yougetthem.
l Ifyoudonothaveanaccount,anddonotintendtoopenone,pleasetickthebox
andwewillcontactyou.
Fillintherestofthisform.Youdonothavetowaituntilyouhaveopenedanaccountorcontactedus.
5
Part7
Howwepayyou
continued
Abouttheaccountyouwanttouse
Pleasetellusyouraccountdetailsbelow.Itisveryimportantyou Abouttheaccountyouwanttouse
completeALLboxescorrectlyincludingthebuildingsocietyrollor Youcanuse
referencenumberifyouhaveone.Ifyoutellusthewrongaccount
detailsyourpaymentmaybedelayedoryoumaylosemoney.You
canfindtheaccountdetailsonyourchequebookorbank
statements.Ifyouarenotsureaboutthedetails,askthebank,
buildingsocietyorotheraccountprovider.
l anaccountinyourname
l ajointaccount,or
l someoneelse’saccount,
– subjecttothetermsandconditionsoftheaccount,and
– aslongasyouhavetheotherperson’spermissionandauthorisethem
tousethemoneyinthewayyoutellthem.
l IfyouareanAppointeeoralegalrepresentativeactingonbehalfofthe
claimant,theaccountshouldbeinyournameonly.
l Tobepaidintoacreditunionaccountyoumustprovidethecreditunion’s
accountdetails.Yourcreditunionwillbeabletohelpyouwiththis.
Nameoftheaccountholder
Pleasewritethenameoftheaccountholderexactlyasitis
shownonthechequebookorstatement.
Fullnameofbank,buildingsocietyorotheraccountprovider
SortCode
Pleasetellusallsixnumbers,forexample:12-34-56.
Accountnumber
Mostaccountnumbersare8numberslong.Ifyouraccountnumberhas
fewerthan10numbers,pleasefillinthenumbersfromtheleft.
Ifyouareusingabuildingsocietyaccountyoumayneedtotellusaroll
orreferencenumber.Thismaybemadeupoflettersandnumbers,and
maybeupto18characterslong.Ifyouarenotsureiftheaccounthasa
rollorreferencenumber,askthebuildingsociety.
Buildingsocietyrollorreferencenumber
Youmaybegettingotherbenefitsandentitlementsthatarenotpaiddirect
intoanaccount.Tohavethempaidintotheaboveaccount,pleasetickthebox.
6
Part8
Otherinformation
Postofficedetails
Pleaseprovidedetailsofyourlocal
postoffice
Postcode
Pleaseusethisspacetotellusanythingelseyouthinkwemightneedtoknow.Ifthereisnot
enoughspace,useaseparatesheetofpaper.
MakesurethatyouputyourfullnameandNationalInsurance(NI)numberonanyseparatesheets.
Ifyouhaveanyotherdocumentsthatyouthinkwillhelpustodecideyourapplication,sendacopy
ofthesedocuments.
7
Part9
Forpeoplefillinginandsigningthisformforsomeoneelse
Haveyoufilledthisforminforsomeoneelse?
No Goto Part10.
Yes Pleasetellusaboutyourself
NowsignthisforminPart10.
thisformforsomeoneelse. bytheclaimantwiththis
form.Thelettertellsyouthat
theyagreetomemakingthe
claimforthem.
Iamtheirappointee
Ihavepowerofattorney
Pleasetelluswhyyouarefillinginandsigning Iamsendingalettersigned
Fullname
Dateofbirth
Address
Phonenumber
work mobile fax
Whatisthisnumber?
Home
Pleasetick
NowsignthisforminPart10.
Mr/Mrs/Miss/Ms
/ /
Postcode
Code Number
8
Part10
Declaration
Ideclare thattheinformationIhavegivenonthisformis
Signature
correctandcompleteasfarasIknowandbelieve.
Iunderstand thatifIknowinglygiveinformationthatis
incorrectorincomplete,mybenefitmaybestoppedandImay
beliabletoprosecutionorotheraction.
Iunderstand thatImustpromptlytelltheofficethatpaysmy
Date
benefitofanythingthatmayaffectmyentitlementto,orthe
amountof,anyaward.
ThisismyapplicationforaBudgetingLoan.
ThepersonwhomadetheclaimforIncomeSupport,income-
basedJobseeker’sAllowance,income-relatedEmployment
andSupportAllowanceorPensionCreditandwhogetspaid
thatbenefitorentitlementshouldsignanddatethisform.
/ /
IhavereadbacktothecustomertheentriesImadeonthisform
basedontheinformationgivenbythem.
Thecustomerhasagreedtheyarecorrect.
Interviewingofficer’s
Customer’ssignature
signature
Date Date
/ /
Part11
Whattodonow
l Lookthroughthisformandcheckyouhaveansweredallthequestionsandgivenall
theinformationrequested.Yourapplicationmaybedelayedifwedonothaveall
theinformationweneed.
l Ifyouhavemadeanyalterations,pleasemakesureyouinitialanddate them.
l CheckyouhavesignedtheformatPart10.
/ /
9
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