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 Does anyone know where my husband and I can get a personal loan when we have bad credit?
We really want to increase our credit scores and pay off what i think is small debt but looks ugly on our credit reports....


 What is a good Credit card rate?
i would like to know what is a good apr rate, and what does apr mean? is that the interest?, and i'm new to credit, anyone know a good online place where to get a credit card like mastercard, ...


 Is it better to take a loan or stretch your over draft for a while that you desperately need money?
...


 What do I do if my car was repossed?
I cant afford it, Can I settle later and save my credit?
( which is going down the drain)and how do I get my stuff back that was in the car, is there a cost?
Anyone know about this..I live ...


 Credit problem??
I recently had some collections accounts that were not mine deleted from my credit report...now the only credit I have is a credit card from Premier. I just opened that account about 3 months ago, ...


 Debt Relief?
Please someone help. I am a single mother with a disable 10 year daugther. I jsut was divorced and my ex rights were terminated due to what he did to my daughter. I am trying to get back on my feet ...


 If I have received thru my email a scanned fax of a cheque that is payable to me,can I encash it...?
Can I encash it and have it deposited in a bank after I have reprinted it with a printer?...


 Credit card for student with limited or no credit history?
I have recently started looking for the best credit card for me to pay for a couple semesters of school and a little bit of automotive work. I plan on doing an auto pay. The credit card i'm ...


 Co-signing a 6 month lease for someone else. How does it effect me if I did.....?
Basically how does that show up on my credit? Have someone that is moving to Chicago and needs a 6 month lease co-signer. What effect does this have on my credit rating? Does it show I have a 6 month ...


 What are the pros and cons of a 0 interest credit card?
There are many credit card companies that offer 0% interest for up to 12 months. What are the pros and cons?...


 First time credit card user- which one?
I've never had a credit card before and I am going to get one to begin building my credit (I'm way too old not to have one!)

What card do you have? What do you like about it? W...


 Usually what would happen after canceling a credit card and use it after cancelage?
Today. I happend to have purchase some item on a credit card i have canceled earlier. I had forgetten i canceled it and really at the moment im not sure whats going to happen. And its not my credit ...


 Best way to get out of debt, for a college student?
I'm finally down to one credit card with a balance of about $500. I know that may not seem like much, but I cant seem to pay this one down because of the high interest. I haven't received ...


 How can you sign up for a paypal account without having a credit card?
...


 If I claim bankruptcy will my school loans be included?
I have about 12k credit card debt they i have not paid in about 5 months and aprx 35k school loans. I was out of work and unable to pay my bills so the intreast killed me(cards started at 8k), I ...


 Respect sir..please tell me what mean ARUN?
...


 Prepaid credit cards for youths?
hey guys,,
i'm starting to shop online and use ebay and i'm a little bit paranoid about use my or my parent's credit cards. does anybody know of any prepaid credit cards that a 15...


 What Are The Different Ways Of Raising Deposit For A Mortgage?
...


 What does it mean when they ask you to pay the minimum balance due on your credit card?
I just got my first ever credit card and am expecting my first bill next month. My credit card company says that I'am expected to pay the minimum amount, I'm new to this so can someone ...


 Why does your address affect your credit scoring as its not ur falut past people have had bad credit there?
...



charlie
If you got caught with 5000 pounds in your account?
which genuinely wasnt yours by the housing benefits people what would happen and how could you prove it wasnt yours.
                     
 




Secret Cola Ninja
Rating
This may be a long shot but why don't you take the money in your account and spend it on rent instead of making everyone else pay for you? The benefit people prbably wouldn't notice that you are sitting on a fortune and reward your greed with benefit. if the money isn't yiours then why is it in your account? And if it if for one of your children if you have any, put it in their own account. Don't be a dole muncher.


keeky.c
Rating
I'm sure 5000 isn't a big enough one off amount for them to be concerned about they look more at the monthly or weekly incoming and as long as thats not 5000 pounds a month you should be fine.


GeneHunt
Rating
Be honest to the visiting officer as they can tell a scam a mile off.
You have nothing to worry about.


Sir Sidney Snot
You can still get that benefit with that much in your account

What else should I know?
If you have recently come to Great Britain, please first check extra rules if you come from abroad.

If you live with a partner, only one of you can get Housing Benefit.
Unless you are aged 60 or over and receive the guarantee credit of Pension Credit, savings over £16,000 usually mean you cannot get Housing Benefit.

Savings over £3,000 (£6,000 if you or your partner are aged 60 or over) affect how much Housing Benefit you can get. From 10 April 2006, this will increase to £6,000 for all.

There are special rules if you are single and aged under 25 years.

If you have come to the United Kingdom (UK) within two years of your claim, this may affect Housing Benefit.

Most asylum seekers and people who are sponsored to be in the UK cannot get Housing Benefit.

You cannot usually get Housing Benefit if you live in a close relative's household.

You cannot usually get Housing Benefit if you are a full-time student, unless you are disabled or have children.

We use partner to mean a person you are married to or a person you are living with as if you are married to them.


Not Ecky Boy
well if it was in your account you might find it a little difficult to prove it wasn't yours!!!


davespnr
Why would you possibly want to look after 5000 for someone else??


Trevor P
Rating
This seems like a hypothetical question, rather than a genuine situation.
Why would you have someone else's money in your account? If that was known, then the way to prove it would also be known.
From 10th April 2006 the savings limit before housing benefit is reduced is £6,000, and the upper limit before you get nothing at all is £16,000.
If the sum you were talking about was greater than £6,000 and you didn't declare it, you would be taken to court, if it was found out. You would then have the chance to prove it wasn't yours.


Ivan R
Hello,

The most important point to understand here in the situation you describe, is that all banks, building societies & financial institutions have to keep a full audit trail (by law) of where payments came from (income sources) and when and where payments are made (outgoings). And thats "the" only thing you need to know, think about the implications and the rest will become crystal clear to you if you take the time to think about it.

**If the housing benefit people do find errors in your account, its totally obvious that they might ask you to pay back the 5K if they think it was paid out in error or if you have been mis paid or been over paid (even if it was there mistake).

**Proof of ownership of money is a very difficult area but not impossible though. It depends upon the burden of evidence or burden of proof. ie. it can be seen as a legal/financial issue.

IR


My_Name
Very carefully....

To be honest - I'd put it aside and wait to see if they ever say anything - no doubt they will eventually but you could be earning interest from it in the meantime....


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