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Post by steve63 on Dec 7, 2022 14:04:54 GMT 1
As someone who has recently been out of work and now back in work I have learnt a couple of things and made some observations I feel like I should pass on.
I met one of my old workmates at a jobs fair a few weeks ago about ten weeks after we had both been made redundant. I was chatting about my experiences of signing on and he said he didn't bother. When I asked why not he said something like he had money in the bank so he didn't think he could get anything, it wasn't worth the hassle and he had been been asked to go back to work in a couple of weeks time anyway. His lad was with him who was also out of work and didn't bother signing on either.
The thing is that anyone can get Jobseekers Allowance as long as you have got enough NI payments in. It's not means tested so anyone can get it.
The other thing, the main thing, is that they take all benefits you claimed or COULD HAVE claimed off any lieu of notice pay you receive, whether you claimed it or not. Claim it is my advice.
I had about £1075.00 taken off my three months lieu of notice pay and so did he. The difference being he never had it to start with! He's not the only one either. One guy applied for JSA. You get nothing for the first week, then he went back to work the third week, he never received any JSA for the second week but they took 2 x £77.00 off him anyway. When I asked if he was going to do anything about it he said no, can't be bothered.
A total of eleven people were underpaid holiday pay by the administrators. Only two are going through the procedure, an employment tribunal, to recover that money. The other nine can't be bothered. Admittedly mine is the most amount but try taking just a tenner out of these peoples wallets and you would get a punch yet they let these people rob them of hundreds with just a shrug of the shoulders.
What I am struggling with is the the amount of people that through ignorance or laziness just let people rob them of money and then just lay back and take it. The government departments rely on peoples apathy and they are absolutely right to from my experience!
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Post by abar121 on Dec 7, 2022 14:45:35 GMT 1
Couldn't agree more. I'm sure you've payed a shite load of tax over the years, I certainly have.
Take what you are entitled to, always.
Glad you are back in work.
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Post by Norbo on Dec 7, 2022 16:10:13 GMT 1
yes they are f**kers and will not pay you any benefit if you any weeks payment in to lo of notice . But every one should sign on as they pay your stamp and you will get something and something is better then nothing but from past experience the hassle they give you and the threts to take your money if you dont do this that and the other makes it so a friend of mine will not sign on as he doesn't want the trouble about fining work
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Post by steve63 on Dec 8, 2022 13:54:00 GMT 1
yes they are f**kers and will not pay you any benefit if you any weeks payment in to lo of notice . But every one should sign on as they pay your stamp and you will get something and something is better then nothing but from past experience the hassle they give you and the threts to take your money if you dont do this that and the other makes it so a friend of mine will not sign on as he doesn't want the trouble about fining work If the company you worked for went bust you claim your lieu of notice from the Redundancy Payment Service (RPS) but you can't claim it until the lieu of notice period is over. The RPS then take any Job Seekers Allowance (JSA) you were given (and any other benefit) off the lieu of notice money before they give you it. They do this even you didn't claim. That's why you need to claim because they take it anyway! To claim JSA you have to sign a contract, well I didn't because "to keep us all safe" they gave me a phone interview, to say you agree to certain things. Spend 35 hours a week looking for work and take a job within 1.5 hours travelling of your home address, are my two favourites. To be honest they never do any looking into this and you have the right to only take a job the same as your previous one for the first six months I think so it's not as bad as it sounds. In the contract on virtually every page there is something about failure to do blah, blah, blah could result in a reduction of your allowance by £9.00 a day but It seems like a bit of an idle threat to me. I'd just tell the girl I'd gone to a jobs fair, it was on my walk back to the car anyway, and registered with some employment agencies and that was it. I think the contract is designed more for the serial malingerers than people who are out of work every 30 years. I look forward to my next period of unemployment in 2052  I'm starting to sound like Frank off Shameless, lets PARTY!!! |
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Post by steve63 on Dec 8, 2022 14:07:13 GMT 1
Couldn't agree more. I'm sure you've payed a shite load of tax over the years, I certainly have. Take what you are entitled to, always. Glad you are back in work. Totally agree. The girl on the phone said at the beginning. "I'll just have to check your National Insurance Payment to see if you are entitled to Job Seekers Allowance." I said "I've been paying NI none stop since 1979 so I should hope so." The major one is our pension. For me that's two years @ £181.00 a week they won't be paying me or my Wife or £9,412 x 2 x 2 years a total of £37,648.00 they will not be giving us. So F them! I even said in my letter that as it is Job Seekers Allowance, an allowance for looking for work, then I am out of pocket seeing as I drove to the signing on place about 12 times, a 20 mile round trip, and attended a couple of interviews. I should be entitled to keep that money. They changed it from Dole to JSA not me. |
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Post by LC_BOTT on Dec 8, 2022 16:27:07 GMT 1
The major one is our pension. For me that's two years @ £181.00 a week they won't be paying me or my Wife or £9,412 x 2 x 2 years a total of £37,648.00 they will not be giving us. So F them! How can they stop paying you the pension? |
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Post by steve63 on Dec 8, 2022 19:46:39 GMT 1
The major one is our pension. For me that's two years @ £181.00 a week they won't be paying me or my Wife or £9,412 x 2 x 2 years a total of £37,648.00 they will not be giving us. So F them! How can they stop paying you the pension? Like everyone, well every man in the country my state pension was due to start when I reached 65 in July 2028 but they have stolen two years off me and won't give me it until July 2030. Hence the two years at £181 a week. The reward for living longer is you get to work longer before they will pay you your state pension. Woohoo! This is according to whichever department the Government get their figures from that says life expectancy is rising. that's the reason/excuse they are using anyway. Actually the department they get their numbers from have said that life expectancy has started to fall. It will be interesting to see if they stick to their statement and lower the age we get our state pension in line with it in that direction. My wild stab-in-the-dark guess is not a chance. I wonder how life expectancy would work out if they split it into different jobs/trades. I don't think you're going to see many people interviewed on TV who have just turned 100 and spent all their working lives as welder/fabricators. It's not just this country either, lots of others are doing it. If you add in what they want and that is people working for two more years and paying tax and NI for two more years it's a nice little earner for them. Add in say £3,000 tax and £300 NI for two years x two people its another 14k or so back into the pot. I'm sure the Government will spend it wisely, nice warm hotel room anyone? |
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Post by LC_BOTT on Dec 8, 2022 20:32:27 GMT 1
Ahh I see now, yes in the same boat too, (as most are on here at a guess) As I retired early I need to make up a few years deficit on my contributions as well, or I wont see the full £181 quid either  Talk of the age going up further from what I've gathered?? |
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Post by rigga on Dec 9, 2022 10:20:42 GMT 1
It'll be over £200 a week from April next year's, with the 10.1% rise .
Depending on how many years you have left till retirement (SP) the amount you will receive will be above that.
Mostly eroded I assume by inflation, although that's forecast to fall sharply in 23.
I'm 3 years short of the full NI pension due to lots of years in a contracted out pension, was going to purchase the missing years nearer state pension age depending on state of health making it worthwhile living long enough to break even , might sign on around 64 and claim JSA if they are going to pay my stamp, who'd employ a crinkly at that age, I reckon no one .
Currently living off my works pension at 57.
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Post by ringding on Dec 9, 2022 10:53:42 GMT 1
It'll be over £200 a week from April next year's, with the 10.1% rise . Depending on how many years you have left till retirement (SP) the amount you will receive will be above that. Mostly eroded I assume by inflation, although that's forecast to fall sharply in 23. I'm 3 years short of the full NI pension due to lots of years in a contracted out pension, was going to purchase the missing years nearer state pension age depending on state of health making it worthwhile living long enough to break even , might sign on around 64 and claim JSA if they are going to pay my stamp, who'd employ a crinkly at that age, I reckon no one . Currently living off my works pension at 57. What we'd all give for a crystal ball to aid retirement planning! Isn't there some kind of cut off for purchasing previous years worth of NI credits that ends this FY? Martin Lewis had an article on it on the money saving expert site. I've forgotten the details (clearly!) but might be worth a look. Also apologies if you're already aware of it. I'm lucky that I'm on a final salary scheme, which closed to new entries 2yrs after I joined the business, 25yrs ago. However I'm unlucky in that I've a chronic illness which means I can only just WFH and part time. I'm not ill enough for ill health retirement. I'm stuck in the middle. I've been trying to work out ways to retire as early as possible. I'm 48 and even getting to 57 feels like it's near impossible, keeping this up for another 9yrs. Watching what investments we have drop by 30% on the last year hasn't helped! 😆 |
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Post by midlifecrisisrd on Dec 9, 2022 12:38:29 GMT 1
I'm hoping to semi retire at 55 as stuck in the chronic health dilemma
Do I work till retirement then have no quality of life or Bugger off at 55
I'm lucky that I can still work full time but knackered after work so I don't have the energy or inclination to do anything so work/life balance is wrong
Got 3 private pensions I can batter as long as the pots are healthy enough with the way things are just now. Got 12 - 18 months to decide
I bought a rental house 6 years ago to help with this plan. Got a long term family friend living in it trouble free. I've thrown everything I can at it so now mortgage free so that will be my pension to top up my state pension at 67
Strangely enough I too was contracted out for many years but opted back in. Gateway account says I'm fully paid up so not sure how that worked out but I've been working for 37 years
My wife is a civil servant, good old gov shafts us all for state pension but she still has her final salary pension at 60
Hopefully the recent mill and lathe purchases will keep me busy and maybe cover my beer money 🤣
I certainly would be claiming JSA if I was entitled. 37 years of tax an NI payments, I'm taking what I can back off them
I'll hand my notice in, wait 6 months then sign on for as long as I can get away with it 🤣
I'm joking when I write that but as I read it back...🤔
Steve
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Post by ringding on Dec 9, 2022 13:01:05 GMT 1
I'm hoping to semi retire at 55 as stuck in the chronic health dilemma Do I work till retirement then have no quality of life or Bugger off at 55 I'm lucky that I can still work full time but knackered after work so I don't have the energy or inclination to do anything so work/life balance is wrong As I've gotten older and have known more people who're 15-20yrs ahead of me retire I've started to realise that we shouldn't assume that we'll work to retirement and then it's all sunlit uplands. I've known two great chaps who died within 12mths of retirement, and two that died a few months before making their escape. Within the constraints that we have (family obligations, finances etc.) then we need to remember to live for today, not tomorrow. (Whilst ensuring that if we make it to tomorrow we won't be homeless!). Before this relapse I had a couple of years of being in the same situation as you. Was working full time but it took everything I had. Even if my health improves again (not looking likely) I'll not go back to full time, where possible we need to find that balance you mention. |
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Post by steve63 on Dec 9, 2022 16:43:33 GMT 1
I look on my four months off this year as a kind of short term retirement. In my head I had an idea of how I wanted it to go and that was pretty much what happened. The summer off, back to work in time for winter with a bit of redundancy money in the bank. Work to me now is a kind of week by week, month by month thing. Every month, money in the pot. No big stresses like before, nothing to lose. I'm going to whisper this but May to October next year claiming JSA wouldn't be the end of the World. The massive Blue whale sized fly in the ointment was my Mrs and her attitude to me "doing F all." She couldn't handle the fact that I was doing what I wanted to do 75% of the time while she was working flat out. It did her head right in and took the pleasurable edge off the experience. I guess that's Women for you. As someone once said "can't live with em, can't kill em (legally)" Telling her I was actually on lieu of notice pay until about two weeks before I was offered a job didn't ease her moaning . Just to clarify. Doing stuff that's not on HER list of things that need doing is classed as doing F all. Doing dozens of jobs on the LC's and 125 and random pleasure trips on the VFR are not on her list. Now I'm not just stealing oxygen she's a lot happier. I don't know why but I kind of knew it was going to work out but I found that hard to get across somehow.......... On the subject of leaving this life as we know it. I've seen two guys in our office battle the big C and lose, both 33. One guy of 50 die suddenly from a pulmonary embolism and the father of one of the two cancer victims also die of it in the last couple of years. Kind of changes your view on the work retirement thing a bit. |
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Post by steve63 on Dec 9, 2022 16:51:20 GMT 1
Ahh I see now, yes in the same boat too, (as most are on here at a guess) As I retired early I need to make up a few years deficit on my contributions as well, or I wont see the full £181 quid either Talk of the age going up further from what I've gathered?? Apparently, for those under 30, the new retirement age is death From what I understand my Mrs. who is self employed, pays a voluntary stamp of £13 a month and has exactly the same entitlement as me and I used to pay somewhere around £300 a month. |
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Post by rigga on Dec 9, 2022 19:01:14 GMT 1
I'm lucky, in that my wife's 7 years younger than me, and was quite happy for me to retire early, the numbers added up, although obviously not at the same rate as my wages, but she hated being on her own when I was working nights, and the weekend turns kind of screwed up any free time together then too.
She's not bothered what I do, and seems quite concerned I'm spending more time with the dogs than humans, had to spell it out I like the dogs more, as most people are t**ts.
Luckily I'm one of those who's not bothered with my own company, can find plenty of things to occupy me , I'm almost two years into retirement, and enjoying it.
Having a mother pass at 49, twin sister at 50 and an older brother at 59 all from cancer, I swore I was always going to retire as soon as ai could.
You never know what time you have, make the most of it if you can (circumstances dictating)
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Post by veg on Dec 9, 2022 20:18:23 GMT 1
I must be a weirdo, I love my job and I hope I’m still doing it for years. I enjoy being with the fam, but my work is brilliant can’t imagine not doing it.
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Post by tony2stroke on Dec 9, 2022 23:32:59 GMT 1
I must be a weirdo, I love my job and I hope I’m still doing it for years. I enjoy being with the fam, but my work is brilliant can’t imagine not doing it. You said it  |
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Post by steve h on Dec 10, 2022 0:47:19 GMT 1
I cant be arsed.... money? never had any. Worked with quite a few money savvy geezers.... they are all dead now, never did them any good in the end, unless they enjoyed counting it.
Spend it on bikes, booze, canines, guns, fishing tackle, bees, and waste the rest. F*** it!
Not going to claim off my own pension scheme for as long as is possible, My next of kin get a nice big lump sum if I croak before I start getting it, far more than will be paid out to me...
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Post by steve63 on Dec 15, 2022 14:07:11 GMT 1
I must be a weirdo, I love my job and I hope I’m still doing it for years. I enjoy being with the fam, but my work is brilliant can’t imagine not doing it. I enjoy bits of it. The main bit I enjoy is leaving at 4pm but not the travelling home bit and the getting up at 6am and driving there bit either. Either of those in the snow increases the amount I dislike it by 500%. I enjoy the designing and drawing bit. Just obtaining quotes for electrical components for a control panel. Queried a price on an item and it went down by £122.27 and we need 14 of them eventually. I actually get a bit of satisfaction from that bit.........sad I know but that's £1,711.78 in my Christmas bonus........as if Just the massive satisfaction of increasing the profit margin...................  My son works for the RSPB and he loves it. He has a Masters in Chemistry but knew he would not enjoy doing it for a living even though he could make a shed load of money. |
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Post by steve h on Dec 15, 2022 15:25:58 GMT 1
I used to really enjoy what I used to do, especially panel building and machine wiring. Strangely mind numbing when making hundreds of connections a day..... but therapeutic?? Time used to fly by. "What do you think about whilst you are doing that borefest?"...... well my answer was "nothing"! and that was the therapeutic bit |
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Post by veg on Dec 15, 2022 15:39:30 GMT 1
I was always told find something you like and find someone willing to pay you. I left home at 5.15 this morning and won’t be home until 8, similar to the previous days and weeks. Do I enjoy the commute? Not particularly although pod casts help to alleviate the boredom, but I enjoy my job, I enjoy working with people, I cannot imagine doing anything else. Retirement fills me with dread. I like to be busy, I see people retire and they go down hill. Others embrace and enjoy it, my old man retired from teaching at 58 and loved it my mum kept teaching until her early 70’s.
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Post by vectisitch on Dec 15, 2022 17:15:17 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning.
I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there.
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Post by tony2stroke on Dec 15, 2022 17:48:57 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning. I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there. I feel for you fella! |
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Post by vectisitch on Dec 15, 2022 18:42:28 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning. I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there. I feel for you fella! Thanks. I did what a lot of blokes from our era do. I tried to carry on and keep quiet. I had no idea there was help out there like disability benefits as I have other health problems too. When I lost my job my pension was frozen although my manager wanted to take my pension from me too. Utter a***hole. So anyway I claimed disability and planned to take the pension once I hit 55 although I would only get 40% of the value. No one told me I could apply for Ill health retirement and get my full pension. So as it turned out losing my job worked out in my favour. But yeh as I said if I was healthy I would be entitled to nothing after paying in for 33 years. Lesson learned |
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Post by tony2stroke on Dec 15, 2022 20:25:54 GMT 1
Thanks. I did what a lot of blokes from our era do. I tried to carry on and keep quiet. I had no idea there was help out there like disability benefits as I have other health problems too. When I lost my job my pension was frozen although my manager wanted to take my pension from me too. Utter a***hole. So anyway I claimed disability and planned to take the pension once I hit 55 although I would only get 40% of the value. No one told me I could apply for Ill health retirement and get my full pension. So as it turned out losing my job worked out in my favour. But yeh as I said if I was healthy I would be entitled to nothing after paying in for 33 years. Lesson learned I'm glad to hear it worked out OK in the end. The Gov are happy to take our money, but not so happy to give it, as you say you didn't know about other benefits, its like a secret, and not that easy to find out at the start what you are entitled to, they make you feel like a sponger too. |
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Post by steve h on Dec 16, 2022 14:50:20 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning. I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there. Sadly, we hear this too often. I really hope you are back on track with your life. Too many people eager to shit on others out there when a little understanding and decency could make a world of difference. Hope you are both ok! I know the strain that can be put on a relationship even though it's no fault of your own. |
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Post by steve63 on Dec 17, 2022 18:16:52 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning. I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there. I don't understand that because Job Seekers Allowance isn't means tested. My Wife is a self employed hairdresser and works full time, we have money in the bank but they don't ask anyway. Getting Universal Credit is means tested. On JSA you have to sign a contract and agree to certain conditions but it's a bit of a formality really they don't start getting serious about it until you get to six months in. I would 100% question what they are telling you because they are wrong! A mate of mine, Paul, has been great with a few guys who have been going through tough times with their mental health. He highly recommends Andy's Man Club: andysmanclub.co.uk/There's branches all over and they've seen it all. If he was on here that's what he'd recommend as a first step. If they can't help you themselves then they certainly know someone who can. |
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Post by steve63 on Dec 17, 2022 18:37:36 GMT 1
I've done the long hours thing over the years. I worked on sites in my younger days and we used to do 12 hour days for 12 days then come home for two and repeat. It was always a means to an end, the money was good and the Mrs. wasn't working and looking after the kids until they started school. It never was going to be a long term thing. Even the job I do now I've been in the office until 8:30 on a Sunday evening because we had testing starting on the Monday and important clients in.
My Dad retired at 58, received a decent redundancy/early retirement package and did a bit of part time before wrapping it in a couple of years later. He's now had nearly 30 years of retirement and never runs out of things to do. One of my many sayings is "only boring people get bored."
I had four months off earlier and not for one second was I bored and I never got all the things I wanted to do done.
There was a guy in our office, a HVAC engineer, he was still working at 67. I said to some of the others that if was still working at 67 I would consider my life a failure. Why they asked, well If I enjoyed work more than being at home then my homelife must be $hit. If I can't afford to retire than I would also call that a failure. He had a Wife who he didn't like being at home with so work was his escape.
I've had a taste of retirement and I can't wait.
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Post by vectisitch on Dec 17, 2022 18:38:45 GMT 1
This is my experience with JSA. After 33 years of full time working I was suffering with depression and stupidly tried to carry on by going to work and doing the jobs I was given each day then going home. I got caught and I then told them I had depression. They gave me a leaflet and a final written warning. I carried on for a few more weeks and not once did anyone ask me how I was getting on. I was late in a couple of days and went home early even though I had completed all jobs given to me. They pulled the tracker on the vans and sacked me. I went to the job centre expecting to get JSA after paying tax and NI for 33 years. They treated me like a criminal and as my wife worked more than 16 hours a week and earned a wage they told me I was entitled to nothing. I had a mortgage and no savings. My wife had to drag me out of there. I don't understand that because Job Seekers Allowance isn't means tested. My Wife is a self employed hairdresser and works full time, we have money in the bank but they don't ask anyway. Getting Universal Credit is means tested. On JSA you have to sign a contract and agree to certain conditions but it's a bit of a formality really they don't start getting serious about it until you get to six months in. I would 100% question what they are telling you because they are wrong! A mate of mine, Paul, has been great with a few guys who have been going through tough times with their mental health. He highly recommends Andy's Man Club: andysmanclub.co.uk/There's branches all over and they've seen it all. If he was on here that's what he'd recommend as a first step. If they can't help you themselves then they certainly know someone who can. It was in 2015 when I went to the job centre so maybe it's changed now. They just blank said was entitled to nothing. At the time we also had severe money problems and faced losing everything. I decided to try and work for myself and we did ok. We got ourselves straight and I got lucky with my bitcoin dealings early in 2018 and was able to pay off the mortgage. I then decided I'd had enough of dragging myself to work and suffering as a result so I gave up work and claimed disability. That was a struggle to get in itself but I got it. I now get my work pension too and we do ok. We aren't well off but we can do what we want and I have my 2 bikes. I still send the wife out to work though or she'd probably end up killing me. |
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Post by Gunny on Dec 17, 2022 19:15:02 GMT 1
I work on the roads for the local council, we have an old guy called Drew on constant hire to us driving a 26 ton lorry he`s 75 and sits in the lorry all day smoking, gets out and does a bit sweeping up now and again. Said to him one day "Drew how old are" "75 son" (I`m 52) "Why the f uck are you still working" "I`ll die if I stop son" !!!
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Talk of the age going up further from what I've gathered??
