{ "audited": 1628588730552, "video_response": { "mixed": true, "answers": [ { "created_at": "2020-11-12T20:11:34.359461Z", "question": "Do you have deductions taken from your benefits?", "text": "Yes", "type": "poll" }, { "type": "text", "text": "I took out a budgeting loan last year for the sum of £800 to help out with family finances. Having had one before, it takes approximately 2 years to pay off. My deductions are taken from my employment support allowance. I am in the support group because I am disabled and unable to work. Without deductions, I would usually receive £113.55 per week; £227.10 paid fortnightly. Normally prior to the covert pandemic payment holiday, I would have £11 per week/ £22 per fortnight deducted to pay back the budgeting loan and therefore receive approximately £200 per fortnight. This was manageable. However I currently receive £180 per two weeks, which is making life a little more difficult. I presumed they've increased the deductions to ensure the money is paid back in time with the loan schedule. What I hadn't noticed until you had asked the question, is that following the payment holiday which was given to me without being requested, my repayments are now approximately £57 every two weeks i.e. £28.50 per week. That is all over a 100% increase! Because it is taken off at source, I hadn't really realised what was happening. So it's making a big difference to my budget, which is compounded by the fact that prices have increased in the shops, I am having to buy in bulk when I can especially now that panic buying has resumed with lockdown 2 and because I am shielding is as I am clinically vulnerable I'm now having to pay extra for grocery home delivery. Having recently paid off my debt management plan from StepChange the debt charity, I thought I would be at least better off. I am not. A case of one step forward two steps back. It's soul destroying, especially as I worry about getting into debt again. I would have much rather the DWP continued the payments at the current rate and not imposed a payment holiday because I was managing. Now I'm starting to struggle - again. Its never ending, all consuming and it grinds you down. So despite doing permitted work, I'm still no better off.", "created_at": "2020-11-12T20:38:06.281704Z", "question": "What are you having deducted and what impact is it having?" }, { "created_at": "2020-11-12T20:38:09.410389Z", "text": "Yes, please share it", "type": "poll", "question": "Can we make your entry public and anonymous?" } ], "type": "text", "question_title": "What are you having deducted and what impact is it having?", "question_thumb": "https://media.videoask.com/transcoded/52c03f13-e651-4233-a9f9-c03e6589741e/thumbnails/preview.gif", "question_share_id": "f6fpzz6ic", "text": "I took out a budgeting loan last year for the sum of £800 to help out with family finances. Having had one before, it takes approximately 2 years to pay off. My deductions are taken from my employment support allowance. I am in the support group because I am disabled and unable to work. Without deductions, I would usually receive £113.55 per week; £227.10 paid fortnightly.\n\nNormally prior to the covert pandemic payment holiday, I would have £11 per week/ £22 per fortnight deducted to pay back the budgeting loan and therefore receive approximately £200 per fortnight. This was manageable.However I currently receive £180 per two weeks, which is making life a little more difficult. I presumed they've increased the deductions to ensure the money is paid back in time with the loan schedule.\n\nWhat I hadn't noticed until you had asked the question, is that following the payment holiday which was given to me without being requested, my repayments are now approximately £57 every two weeks i.e. £28.50 per week. That is all over a 100% increase! Because it is taken off at source, I hadn't really realised what was happening. So it's making a big difference to my budget, which is compounded by the fact that prices have increased in the shops, I am having to buy in bulk when I can especially now that panic buying has resumed with lockdown 2 and because I am shielding is as I am clinically vulnerable I'm now having to pay extra for grocery home delivery.\n\nHaving recently paid off my debt management plan from StepChange the debt charity, I thought I would be at least better off. I am not. A case of one step forward two steps back. It's soul destroying, especially as I worry about getting into debt again. I would have much rather the DWP continued the payments at the current rate and not imposed a payment holiday because I was managing. Now I'm starting to struggle - again. Its never ending, all consuming and it grinds you down. So despite doing permitted work, I'm still no better off." }, "read": 1606114018839, "type": "video_response", "auditedBy": "rOISUynFBNUZFrEibOysifH0R9F2", "readBy": "AfFOmTZWGrVKbCC0IuLGHYhmlhp2", "publishedBy": "rOISUynFBNUZFrEibOysifH0R9F2", "created": 1605213486281, "updated": 1628588745288, "extracts": [ { "start": 1249, "end": 1463, "tags": [ "EKCJbMeUQJb8hJ90jXtB" ] }, { "start": 1717, "tags": [ "8o2Y49rU7fVcYSvx7gl9" ], "end": 2002 } ], "updatedBy": "rOISUynFBNUZFrEibOysifH0R9F2", "published": 1628588730552, "tags": [ "9NhUzpuQEa863xu8Nrhg", "xUfohvaJSKTlYdwicbFG", "XK9LRF7baiEISvP2Xbnj" ], "id": "Frdpmu4OC5ce36gPCXb0", "privacy": 2, "user": "5LEyZfrvHFQwIct0kx57hauHOu52", "alias": "Meg T", "random": 49, "objectID": "Frdpmu4OC5ce36gPCXb0" }