ChatterBank2 mins ago
Dwp & Crisis Loans.
My nephew has received a letter from DWP about unpaid crisis loans. They amount to nearly £1,000. He hasn't taken these loans out.
He phoned them and was told by the advisor that the best course of action is to start paying them while it's being disputed. I've advised him not to because surely if he starts paying it off it's an admittance that he took them out?
My other question, how do you get a crisis loan? Can it be done over the phone? He has a feeling his father might have taken them out in his name (they have the same name) and as he lived with his father for a few months he may have got his details from any correspondence sent to that address, NI number I presume.
When one of these loans were taken out my nephew wasn't even living in this town!
He phoned them and was told by the advisor that the best course of action is to start paying them while it's being disputed. I've advised him not to because surely if he starts paying it off it's an admittance that he took them out?
My other question, how do you get a crisis loan? Can it be done over the phone? He has a feeling his father might have taken them out in his name (they have the same name) and as he lived with his father for a few months he may have got his details from any correspondence sent to that address, NI number I presume.
When one of these loans were taken out my nephew wasn't even living in this town!
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I'm pretty sure one has to go into a Job Centre and already be known the DWP to get be considered for a Crisis Loan. Was your son claiming benefits? I hope uncle didn't claim other benefits in his name. The DWP will be able to see whose account the money went in to. He should refuse to pay and tell them to investigate where the payments went.
But am I right in saying your son has had loan repayment issues before though and taken them out in your name? Could he know more than he's telling you?
But am I right in saying your son has had loan repayment issues before though and taken them out in your name? Could he know more than he's telling you?
When I was in benefit a crisis loan had to be applied for by written submission....May be different now....but if not then it will be easily cleared up....then there is the matter of a fraud pursuance......that will surely follow by the dept and perhaps police...could get nasty between father and son
Lol Factor, you have me mixed up with someone else.
Right, thats the first thing I'll tell him to do is ask what account the money was paid into. That should more or less clear things up.
He wasn't working at the time the loans were applied for and hadn't long moved so all correspondence was still going to his fathers house.
He's working now and has been for the last 18 months, he also doesn't have a problem repaying money he owes, so I really can't see that he'd be lying, also, he didn't even need to tell me about them if it were him.
Right, thats the first thing I'll tell him to do is ask what account the money was paid into. That should more or less clear things up.
He wasn't working at the time the loans were applied for and hadn't long moved so all correspondence was still going to his fathers house.
He's working now and has been for the last 18 months, he also doesn't have a problem repaying money he owes, so I really can't see that he'd be lying, also, he didn't even need to tell me about them if it were him.
Thanks, Alba.
That would make sense then because any letters from DWP going to his dads address would also have my nephews NI number on them.
His dad has a history of taking out crisis loans (he gambles) but now he's working he can't claim them, so I bet he's gambled his money and applied in my nephews name.
That would make sense then because any letters from DWP going to his dads address would also have my nephews NI number on them.
His dad has a history of taking out crisis loans (he gambles) but now he's working he can't claim them, so I bet he's gambled his money and applied in my nephews name.
If your nephew is absolutely certain he has not applied for a crisis loan and the request for repayments is an error by the DWP I would suggest he does not commence to repay a loan he has not received. If he were on certain benefits the DWP would be making deductions to repay the loan and it is not unknown for the DWP to make errors though there appears little excuse in this case.
The application can now be largely conducted over the telephone and payment of the loan is often made directly into a bank account or if not possible by cheque payable at a post office where proof of identity may be required. I suggest your nephew writes to the DWP explaining the situation and giving his reason for non-payment with as much information as possible including his NI number and of course keeping a copy of the letter for his records.
The application can now be largely conducted over the telephone and payment of the loan is often made directly into a bank account or if not possible by cheque payable at a post office where proof of identity may be required. I suggest your nephew writes to the DWP explaining the situation and giving his reason for non-payment with as much information as possible including his NI number and of course keeping a copy of the letter for his records.
Sorry Ummm, had to dive out.
To claim a crisis loan, it must be done over the phone.
You will need your NI number, they ask when you last received benefit and what have you done with it.
They will only pay out a certain amount until your next 'pay day'.
For example, you can ask for £100 but will only offer £60 say, but that is only at the end of the formalities.
They also know how much your last payment was down to the last penny.
If they say yes, and a giro is issued, you must go to the job centre where you sign on with acceptable ID.
Usually, but not always, they will tell you what PO to go to ash it. If you're not a regular, they should ask for ID.
If it was paid into a bank or post office, the DWP will have that on record.
To claim a crisis loan, it must be done over the phone.
You will need your NI number, they ask when you last received benefit and what have you done with it.
They will only pay out a certain amount until your next 'pay day'.
For example, you can ask for £100 but will only offer £60 say, but that is only at the end of the formalities.
They also know how much your last payment was down to the last penny.
If they say yes, and a giro is issued, you must go to the job centre where you sign on with acceptable ID.
Usually, but not always, they will tell you what PO to go to ash it. If you're not a regular, they should ask for ID.
If it was paid into a bank or post office, the DWP will have that on record.
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