Fillable Printable 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

lYou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

lYou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

lIfyouandyourpartnerareagedunder60,savingsofmorethan£1,000mayaffect

theamountofmoneyyoucanget.

lIf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

SocialFund.

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.

lWeusepartnerto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.

lWeusechildtomeanapersonagedunder16whoyouaregettingChildBenefitfor.

lWeusequalifyingyoungpersonto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

lWewilllookatwhatyoucanaffordbeforewedecideonthearrangementsforrepayments.

lIf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.

lIf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.

lWe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.

lIf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

lGet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

lGet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



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







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Part1

Aboutyouandyourpartner

lBeforeyoucompletethisform,pleasereadthenotessheetwhich

tellsyouaboutalltypesofhelpyoucangetfromtheSocialFund.

lUsethisformtoapplyforaBudgetingLoan.Completethisformin

ink,signanddateanyalterationsyoumake.

lIf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.

lTellusaboutyourselfandyourpartner,ifyouhaveone.

Weusepartnerto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.

lFillintheformfullybyansweringallthe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

YouYourpartner

Surnameorfamilyname

Othersurnamesyou

havebeenknownby

NationalInsurance(NI)

number

LettersNumbersLetterLettersNumbersLetter

Mr/Mrs/Miss/Ms

Allothernamesinfull

Mr/Mrs/Miss/Ms

YoucanfindthenumberonyourNationalInsurance

(NI)numbercard,lettersaboutyourbenefitorpayslips

YoucanfindthenumberontheirNationalInsurance

(NI)numbercard,lettersabouttheirbenefitorpayslips

Addresswhereyoulive

now

Tellusyourpartner’s

address,ifdifferent

PostcodePostcode

////

Whatisthisnumber?

Pleasetick

CodeNumberCodeNumber

workHomemobilefaxfaxworkHomemobile

Areyouoryourpartner

involvedinatradedispute?

Weusetradedisputetomean

astrike,walk-out,lock-outor

anyotherdisputeaboutwork.

Yes

Dateofbirth

Daytimephonenumber

Budgeting

Loans

fromthe

SocialFund

SF50010/11

Part2

Aboutyourchildrenorqualifyingyoungpersons

Pleasetellusaboutanychildrenorqualifying

lWeusechildtomeanapersonagedunder16whoyouare

youngpersonsyouaregettingabenefitor

gettingChildBenefitfor.

entitlementfor.

lWeusequalifyingyoungpersontomeanapersonaged16,17,

18or19whoyouaregettingChildBenefitfor.

NameDateofbirthNameDateofbirth

lIf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

theTotalamountappliedforboxforwhat

youneed.Alsoticktheothercategoryboxes

thatapplytoyou.

Wedonotneedanymoreinformationfor

thispart.

Yes

Totalamountappliedfor

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

Part4

Aboutbenefitsandentitlements

GotoPart8.

Areyouoryourpartnercurrentlygetting

IncomeSupport,income-basedJobseeker’s

YesTellusthedateyouhave

Allowance,income-relatedEmployment

beengettinganyofthese

From

andSupportAllowance,PensionCreditor

benefitsorentitlements

paymentonaccountofoneofthese

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?

YesTell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?

YesTellusaboutthepersonyouhaveseparatedfrom.

Theirname

Theirdateofbirth

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.

lIfyouneedmorespace,usetheboxinPart8.

Whodoyoupaythemoneyto?Howmuchareyoupayingandhowoften?Howmuchisowed?

£every

Part6

Aboutsavings

Doyouoryourpartnerhaveanysavings?

Ifyouandyourpartnerarebothagedunder60,

wemaybeabletodisregardthefirst£1,000of

YesHowmuchdoyouhave?

yoursavings.Ifeitheryouoryourpartnerare

over60,wemaybeabletodisregardthefirst

£2,000ofyoursavings.

Savingsmeansanycapitalyouandyourpartner

have,including

lanymoneyyouhaveathome,inthebank,in

thebuildingsocietyorinacreditunionaccount

lpremiumbonds

linvestments,suchassharesorunittrusts.

lthe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.

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

befor.

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.

Thismaybebecauseofthewaythesystemworksforpaymentsintoanaccount.

Forexample,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.Thismeans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

lTell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.

lIfyouaregoingtoopenanaccount,pleasetellusyouraccountdetailsassoonas

yougetthem.

lIf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.



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youAbouttheaccountyouwanttouse

completeALLboxescorrectlyincludingthebuildingsocietyrollorYou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.

lanaccountinyourname

lajointaccount,or

lsomeone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.

lIfyouareanAppointeeoralegalrepresentativeactingonbehalfofthe

claimant,theaccountshouldbeinyournameonly.

lTo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.

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.

Part9

Forpeoplefillinginandsigningthisformforsomeoneelse

Haveyoufilledthisforminforsomeoneelse?

NoGotoPart10.

YesPlease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signingIamsendingalettersigned

Fullname

Dateofbirth

Address

Phonenumber

workmobilefax

Whatisthisnumber?

Home

Pleasetick

NowsignthisforminPart10.

Mr/Mrs/Miss/Ms

Postcode

CodeNumber





Part10

Declaration

IdeclarethattheinformationIhavegivenonthisformis

Signature

correctandcompleteasfarasIknowandbelieve.

Iunderstandthat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understandthat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

DateDate

//

Part11

Whattodonow

lLook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.

lIfyouhavemadeanyalterations,pleasemakesureyouinitialanddatethem.

lCheckyouhavesignedtheformatPart10.

//