Work TV

WINTER HELP - Struggling Claimants can get a Budgeting Advance and can be used to go toward emergency household costs. However, this is a loan and has to be paid back from benefits that have been cut effectively since the ending of the twenty pounds a week Universal Credit uplift.

If you’re struggling and in need of a Budgeting Advance, you’ll need to apply through your Jobcentre Plus work coach.

Who is eligible for a Budgeting Advance?

You have to meet certain criteria to get a Budgeting Advance - so not everyone on Universal Credit will be accepted for one.

To be eligible for the financial help, you must have been getting one of the following benefits for six months or more:

• Universal Credit
• Income-related Employment and Support Allowance
• Income Support
• Income- related Jobseeker’s Allowance
• State Pension Credit

The only time this won’t apply is if you need the money to help you start a new job or keep an existing job.

You must also have earned less than £2,600 (£3,600 jointly for couples) in the past six months and have paid off any previous Budgeting Advances.

The smallest amount you can borrow is £100 and the most is £812 if you have children.

• £348 if you’re single
• £464 if you’re part of a couple
• £812 if you have children

How much you can get depends on whether you can pay the loan back and if you have any savings over £1,000.

The amount you can borrow is reduced by £1 for every £1 you have in savings over the £1,000 threshold.

Household Support Fund

Launched in September the fund has five hundred million pounds to pay for clothing and other household bills. eligible households across the UK can now claim up to £144 through their local council.

The Household Support fund allows you to claim up to £140 in supermarket food vouchers.

Under the fund, some authorities are offering £100 in free cash to families and up to £60 worth of vouchers for children's clothing while others are offering up to £120 in vouchers towards energy bills.

However, some councils are giving families food vouchers to spend at supermarkets like Tesco, Morrisons and Asda.

Help with heating bills. This is known as a ‘Winter Fuel Payment’.

If you were born on or before 26 September 1955 you could get between £100 and £300 to help you pay your heating bills. 

You will get your Winter Fuel Payment automatically (you do not need to claim) 

To be eligible you need to:

• get the State Pension
• get another social security benefit (not Housing Benefit, Council Tax Reduction, Child Benefit or Universal Credit)

If you do not get either of these, or if you live abroad, you may need to make a claim.

If you’ve got a Winter Fuel Payment before, you do not need to claim again unless you’ve deferred your State Pension or moved abroad.

The deadline for you to make a claim for winter 2021 to 2022 is 31 March 2022.

When you’ll be paid

Most payments are made automatically in November or December. You should get your money by 14 January 2022.

If you do not get your payment, contact the Winter Fuel Payment Centre.

Cold Weather Payment

This is different from a Winter Fuel Payment. 

You’ll get a payment if the average temperature in your area is recorded as, or forecast to be, zero degrees Celsius or below over 7 consecutive days.

You’ll get £25 for each 7 day period of very cold weather between 1 November and 31 March.

The Cold Weather Payment scheme runs from 1 November 2021 to 31 March 2022. Check if you can get a payment in your area.

ABC Note: Winter is often defined by meteorologists to be the three calendar months with the lowest average temperatures. This corresponds to the months of December, January and February in the Northern Hemesphere and June, July and August in the Southern Hemisphere.

The coldest average temperatures of the season are typically experienced in January or February in the Northern Hemisphere and in June, July or August in the Southern Hemisphere.

ABC Comment, have your say below:

PERSONAL DEBT - Feeling you are struggling, you are not alone. Average personal debt in the UK has more than doubled in the last 12 months to over £25,000 per person, new data has revealed. 

The exclusive figures have been reported in money.co.uk’s annual debt index, following extensive research by the comparison site into household debt across the UK. 

Experts say the drastic increase in 2021 is due largely to the ongoing strain of COVID-19, in addition to a recent increase in living expenses. 

Key findings within the report include…

• The average amount of personal debt in 2021 is £25,879 - more than double the figure in 2020 (£9,246)
• Around six in ten (59.7%) consumers admitted to being in debt right now
• Almost a third (31.74%) of debt incurred this year has been due to the coronavirus pandemic 
• Men (£35,013) have more the twice the average debt of women (£14,911)
• Londoners also have the highest level of personal debt in the country, with average losses of £53,960 per person

ABC Comment, have your say below:

TAX RETURNS - This year, nearly three thousand people submitted their tax return on Christmas Day, according to HMRC, ahead of the self-assessment deadline on January 31st.

The peak time was between 12:00 and 12:59, with 227 people submitting their tax returns while the rest of us prepared Christmas dinner.

In total, over 31,000 Brits submitted their tax returns between Christmas Eve and Boxing Day, with Christmas Eve being the most popular of the three days with 19,802 tax returns filed.

If you haven’t completed your tax returns yet, you have a few days left. Luckily, experts at money.co.uk have put together some handy tips to guide you through the process:

James Andrews, Senior Personal Finance editor at money.co.uk, said: “We’re told to complete our self-assessment tax returns well in advance of the deadline on January 31st, as it can take several weeks to source the correct paperwork. But life doesn’t always work out that way.

 “In recent years a surprising number of people have been filing their tax returns on Christmas Day, with 2,828 doing exactly that this year.

 “Between cooking Christmas dinner and dealing with in-laws and excited children, most people want to avoid the stress of finances on the biggest holiday of the year. However, there is actually a logical reason for people to submit their taxes during the festive season.

 “For many people in the business sector, the 25th and 26th are their only days off from trading. It’s less a tradition to file taxes during the holiday season, or an escape from the chaos and more because it’s the only time they are free. This way they can focus on the New Year once they return to work.

 “If you don’t fancy completing your tax return on Christmas day, you have until January 31st, 2022, to complete it online. The deadline for paper returns has already passed.

 “For anyone who hasn’t submitted an online tax return before, the first thing you need to do is register with the government website. However, this process can take up to three weeks, so it’s worth getting started as soon as you can. 

“The most common mistake people make with tax returns is submitting an incorrect tax code. If HMRC have the wrong details, you could end up paying too much, or too little, so check you have the right code before you start the process.

 “Once you’ve confirmed your tax code, the next step is to complete the online self-assessment form on the government website here. To complete it, you’ll need to gather all the relevant paperwork and documents, which can include your P60, P45, P11D or a P9D. You might also need to provide a summary of any rental income and expenses or statements of earnings from savings and investment.

“If you’ve overpaid tax it’s relatively easy to claim it back. You shouldn’t need to use a third-party company, in fact, you can check whether it’s worth claiming a tax rebate completely free using the HMRC tax checker.

“HMRC can also provide tax credits if you require financial assistance. These are payments from the government to help with the cost of living. You can check if you’re eligible for tax credits via the HMRC website, or you can visit the Citizens Advice Bureau for additional guidance.

“If you already receive tax credits, you are required to renew your application every year to ensure your details are correct. You can manage your status here.”

ABC Comment, have your say below:

 

DEBT - Personal debt more than doubles in 12 months

2021 debt index from money.co.uk shows the average Brit will end the year with total debts of more than £25,000. Ouch!

Personal finances continue to suffer under the strain of COVID-19, with the ongoing pandemic and recent increase in living expenses causing the average UK personal debt to more than double in the space of just 12 months. 

The figures have been revealed in money.co.uk’s annual debt index, following extensive research by the comparison site into household debt across the UK. 

You can earn money to help pay off your debts by switching your bank account say banks. Compare personal finances best current account deals today.

The findings are.

Around six in ten (59.7%) consumers admitted to being in debt right now, not counting mortgages, with the average amount owed in the UK in 2021 coming in at £25,879 per person - more than double the figure in 2020 (£9,246).

Almost a third (32.24%) of debt incurred this year has been due to living expenses such as bills and food, down from 35% last year, while the coronavirus pandemic accounted for another 31.74%, down from 36% in 2020. 

Notably, the number of people citing redundancy as a result of coronavirus as the reason for their debt has jumped from 7.8% last year, to 9.72% in 2021, which is a possible outcome of the furlough scheme coming to an end on September 30. 

The data reveals that men (£35,013) have more than twice the debt of women (£14,911), while Brits aged between 35-44 have more debt than any other age group, averaging £53,283 per person.

According to the figures, COVID-19 continues to account for a large amount of personal debt, with the average Brit attributing £19,203 of their deficit to loss of earnings as a result of the pandemic.

When it comes to alternative causes of debt, almost two thirds of people (63.98%) blamed living expenses and the pandemic for their debt in 2021, and more than one in five (21.86%) attributed their losses to the expenditure of Christmas 2021. 

James Andrews, senior personal finance editor at money.co.uk, said: “Given the challenges faced by consumers in the past 12 months, it’s no surprise personal debt is high, but for it to more than double in a year to £25,879 a person is extreme. 

“Almost two years on, nearly a third of consumers still attribute their losses to the pandemic, while a fraction more say that living costs are the main cause of their debt. This will come as no surprise to anyone who has tried to change their gas or electricity supplier or filled up their car in the past few months; prices are at an all time high and show no signs of dropping in the foreseeable future.

“If you’re struggling with multiple types of debt, putting the most important debts first is key. Missing repayments on secured debts, such as a mortgage, may result in your home being repossessed while not paying council tax can result in you being put in prison. These should be top of the list.

“If you would like help prioritising, or are struggling to meet payments, there are free services available that will help you review your finances. Citizens Advice will offer free, impartial advice, or alternatively you can contact a debt charity like Step Change who will be able to offer support.” 

Regional breakdowns 

Research found key differences in the levels of debt incurred across different regions in Britain, with almost three quarters (72.62%) of people in the Greater London region ending 2021 in debt, more than any other area in the UK. Londoners also have the highest level of personal debt in the country, a staggering £53,960 per person. 

The coronavirus pandemic continued to negatively affect peoples’ finances in the capital, with more than one in five residents (21.99%) saying their debt was directly due to furlough, a scheme to support wages which ended in September. 

A further 14.14% said redundancy as a result of coronavirus was to blame, while an additional 11.39% of residents cited coronavirus generally as the reason for their losses. In total, Londoners reported that  £42,927 of their current debt has arisen as a result of loss of earnings during the COVID-19 pandemic. 

When it comes to individual UK cities, more people in Belfast are ending 2021 in debt than any other place (67.86%), however they do have the lowest average debt figure per person at £6,381. The city with the greatest debt per person is Southampton, where residents have average losses of a whopping £62,301. 

Residents of Southampton said a huge £42,927 of their debt has arisen as a result of loss of earnings during the COVID-19 pandemic, adding that normal living expenses (38%) Christmas 2021 (22%) and debt consolidation (22%) were also to blame for their losses. 

Average amount of personal debt by city

City	2020 Debt	2021 Debt	% change	£ change
Southampton	£7,409	£62,301	+740%	£54,892
Leeds	£9,968	£47,165	+373%	£37,197
London	£10,410	£45,178	+334%	£34,768
Edinburgh	£18,641	£37,163	+99%	£18,522
Nottingham	£9,742	£21,819	+124%	£12,077
Bristol	£8,122	£19,797	+144%	£11,675
Manchester	£8,581	£18,048	+110%	£9,467
Glasgow	£6,163	£10,364	+68%	£4,201
Cardiff	£7,880	£9,595	+22%	£1,715
Birmingham	£10,921	£8,696	-20%	-£2,225
Liverpool	£3,688	£7,913	+115%	£4,225
Belfast	£10,628	£6,381	-40%	-£4,247
Newcastle	£10,007	£5,814	-42%	-£4,193
Sheffield	£4,671	£5,134	+10%	£463
Plymouth	£3,150	£4,137	+31%	£987
Norwich	£7,423	£3,879	-48%	-£3,544
Brighton	£8,200	£3,184	-61%	-£5,016

New Year, New Debt 

Almost six in ten Brits (59.7%) are set to end 2021 in debt, according to the research.

The study of British adults commissioned by money.co.uk in December 2021 shows that the average person will end 2021 with £25,879 worth of total debt – up a staggering 179.9% compared to the 2020 average of £9,246.

Almost a third of respondents (31.12%) said they took out at least one additional credit card or loan in the past year to pay off debt incurred due to the COVID-19. Meanwhile the average credit card debt is now £3,276, up from £2,465 last year.

Just over half (50.1%) of people said they were in a worse financial position entering 2021 than they were in 12 months previously. A majority of younger people said their finances had improved over the past 12 months, while those aged 45+ reported worsening finances. 

When it comes to managing debt over time, the average consumer has been in debt for just over two years, and it will take an average of three years to pay it off completely, with the average Brit spending up to 20% of their wage on repaying their debt.

What type of debt are we ending the year with?

More than three in ten of Brits (31.75%) attributed their debt to credit cards, which is down from 34.47% last year. 

Personal loans (15.60%), overdrafts (14.15%), car loans (10.95%) and white goods payment plans (10.35%) were the other most common types of debt that Brits ended 2021 with. 

Meanwhile Payday loans and product payment plans accounted for 27.45% of debt, according to the statistics. 

Type	2020	2021	% change
Credit Cards	34.47%	31.75%	-7.89%
Personal loans	15.90%	15.60%	-1.88%
Overdrafts	14.07%	14.15%	+0.56%
Car loans	11.39%	10.95%	-3.86%
White goods payment plan	7.43%	10.35%	+39.3%
Home goods payment plan	8.12%	9.25%	+13.91%
Store cards	7.43%	9.15%	+23.14%
Payday loans	6.24%	7.85%	+25.8%

ABC Comment, have your say below:

HAPPY CHRISTMAS AND HAPPY NEW YEAR - to all our readers and viewers. 

Christmas is a difficult time on a low income.

Hopefully next year will be better. We wish you the very best. 

ABC Comment, have your say below:

DWP CORPORATE ABBREVIATIONS - You will find these useful especially if you start claiming state pensions.It is hard to know what payment is what. 

A

A/CC: Account

A/N: Above Named

AA: Age Addition

AA: Administrative Assistant

AAs: Administrative Assistants

AA: Attendance Allowance

AACS: Attendance Allowance Computer System

AACTs: Average Actual Clearance Times

AAIC: Area Accuracy Improvement Coordinator

AAOTs: Average Actual Outstanding Times

AAU: Attendance Allowance Unit

Abd: Abdominal

ABI: Activity Based Information

ABM: Automated Business Model

ABR: Team Area Benefit Review Team

ABR: Area Benefit Review

ABS: Automatic Booking System

AC: Account

AC: Air Conduction (Ear)

AC: Anderson Consultants

AC: Additional Component

ACC: Accident & Compensation Corporation

ACC: Area Computer Centre

ACI: Automatic Claim Invitation

ACIB: Adjudication & Constitutional Issues Branch

ACM: Active Case Management

ACMG: Active Case Management Group

ACP: Additional Component Payable

ACP: Automatic Claims Package

ACT: Actual Clearance Time

ACT: Automated Credit Transfer

ACU: Area Co-ordination Unit

AD: Area Director

ADA: Adult Dependency Addition

ADC: Actual Date Of Confinement

ADF: Advisers Discretionary Fund

ADI: Area Directors Investigation

ADI: Adult Dependency Increase

ADIAP: Alliance Disability Information Advise Providers

ADM: Area Decision Maker

ADO: Area Director’s Office

ADOB: Additional Order book

ADP: Automatic Data Processing

ADVD: Advised

AE: Administrative Error

AF: Alleged Father

AGY: Agency

AHA: Area Health Authority

AHCA: Additional Housing Allowance

AIC: Accuracy Improvement Co-coordinator

AIM: Area Implementation Manager

AJ: Ankle Jerk Reflexes

A:L Annual Leave

A/L: Annual Leave

ALAC: Artificial Limb and Appliance Centre

ALM: Action List Message

ALO: Authorised Local Officer

ALP: Action List Prompt

AM: Area Manager

AMA: Adjudicating Medical Authority

AMDT: Amendment

AMLs: Activities for Managing Life

AMP: Adjudicating Medical Practitioner

AMP: Attendance Management Plan

AMS: Active Modern Service

AO (L): Adjudication Officer with Limited Powers

AO: Adjudication Officer

AO: Administrative Officer

AO: Area Office

AOB: Any Other Business

AOD: Adjudication Officer ’s Decision

AOG: Adjudication Officer’s Guide

AOK: Allgemeine Ortskrankenkasse

AOS: Already On System

AP: Additional Pension

AP: Allowance Payments

AP: Antero Posterior

AP: Authorised Payment

AP: Glide Antero Posterior Glide

AP: Additional Pension

AP: Allowance Payments

APA: Annual Performance Agreement

APACS: Asset Procurement and Control System

APC: Allowance Payment Centre

API: Aggregate Performance Indicator

APP: Appropriate Personal Pension

APPT: Appointee

APPT: Area Programme Protection Team

APT: Artificial Pneumothoraso

AQS: Accounts Queries Section

AR: Availability Restrictions

A/R: Appraisal Report

ARC: Account Receivable Co-ordinator

ARC: Assistant Regional Controller

ARF: Appraisal Report File

ARI: Automated Recovery Interface

ARM: Application Request Menu

ARMS: Administrative Resource Management System

ARP: Accrued Rights Premium

ARR: Age Related Rebate

ARRS: Arrears

ART: Appeals & Reconsideration Team

AS: Appeals Service

ASAP: As Soon As Possible

ASCN: Appropriate Scheme Certificate Number

ASD: Analytical Services Division

ASE: Actively Seeking Work

AT: Appeals Tribunal

ATC: Approved Training Credits

ATC: Area Training Centre

ATOS: Automatic Credits

ATP: Authorised Temporary Procedure

ATP: Authority to Proceed/Pay

ATS: Audit Trail System

AUS: Austria

AUT: Apparent Unnotified Termination

AUTH: Authority, Authorise

AVC: Additional Voluntary Contributions

AWDS: Awards

B

B GAS: British Gas

BA: Benefits Agency

BAB: Banking and Accountancy Branch

BABA: Benefits Agency Business Applications

BACCUP: Benefits Agency Corporate Communications Update

BACS: Banks Automated Clearing System

BAET: Benefits Agency Executive Team

BAFO: Benefits Agency Finance Office

BAFOOSSC: Benefits Agency Field Operations Office Systems Steering Committee

BAHQ: Benefits Agency Headquarters

BAIT: Benefits Agency Information Technology

BAITA: Benefits Agency Information Technology Agreement

Balice: Bereavement Allowance

BALL: Bereavement Allowance

BAllce: Bereavement Allowance

BAMS: Benefits Agency Medical Services

BAMT: Benefits Agency Management Team - Now BAET Benefits Agency Executive

BAOR: British Armed Forces of the Rhine

BAP: Benefits Advice Package

BAPCU: Benefits Agency Parliamentary Correspondence Unit

BAPD: Benefits Agency Personnel Directorate

BAPS: Benefits Agency Purchase and Supply

BASR: Business Allocation Service Requirements

BB: Bereavement Benefits

BC: Basic Component

BC: Bone Condition

BC: Business Continuity

BCS: Business Control System

BCT: Bulk Customer Transfer

BDO: Branch Designated Officer (CPB)

BDR PYMT: Boarder Payment

BE: Business Excellence

BEDS: Bank Electronic Directory System

BEL: Benefits Enquiry Line

BEN: Benefit

BENG: Business Excellence Network Group

BES: Benefit Encashment Centre

BF: Bring Forward, Brought Forward

BFC: Built For Clerical

BFI: Benefit Fraud Inspectorate

BFIS: Benefit Fraud Investigation Service

BFPA: British Forces Post Office

BHC: British High Commission

BHS: Benefit History Sheet

BI: Bone Injury/Irregularity

BIC: Benefit Involved Case

BICDF: Business Improvement, Compliance, Debt & Fraud

BIG: Benefit Information Guide

BIP: Benefit Integrity Project

BK: Bank

BL: Budgeting Loan

BLO: Branch Liaison Officer

BLS: Bank Liaison Section

BLSDG: Better Letters Standards and Design Guide

BM: Branch Manager

BMB: Benefit Management Branch

BO: Benefit Office

BO: Branch Office

BOSS: Benefit Office Support Section

BOSTEL: Bank of Scotland Telecoms Link

BP: Basic Pension

BP: Bereavement Premium

BP: Blood Pressure

BPA: Bundesversicherungsanstalt Fur Angestelle

BPAG: Business Products and Advice Group

BPD: Benefit Policy Division

BPO: Benefit Processing Officer

BPR: Business Process Redesign

BPT: Bereavement Payment

BPV: Benton Park View

BPYR: Basic Pension Year

BR: Business Reply (envelope)

BRM: Broadcast Manager

BRS: Business Requirements Specification

BS: Harsh Breath Sounds Harsh

BSA: Basic Skills Assessment

BSB: Benefit Support Branch

BSY: Beginning of Statistical Year

BT: British Telecom

BTWB: Back to Work Bonus

BU: Business Unit

BWE: Benefit Week Ending

BY: Benefit Year

C

C & P: Claims and Payments (Regulations)

C & PD: Children & Pensioner’s Directorate

C.1: Cervical 1

C&C: Change and Culture

C/O: Care of

C/O: Complaints of

C/T: Cardio Thoracic Ratio

C1CW: Class 1 Caseworker

C3 (SF): Social Fund Manager

CA: Carers Allowance

CA: Contributions Agency

CAA: Constant Attendance Allowance

CAB: Citizens Advice Bureau

CACO: Contribution Agency Central Operations (Now NICO)

CAL: Computer Assisted Learning

CALOR: Computer Assistance for Local Office Receptionists

CAM: Customer Account Management

CAMTCC: Computer Assistance for Managers Test Check Control

CAO: Chief Adjudication Officer

CAP: Current Accounting Period

CAPS: Customer Accounting Payment Strategy

CARDS: Computer Assisted Register of Duties and Staff

CAS: Central Adjudication Services

CAT: Central Assurance Team

Cat: Category

CATP: Cancellations of Authority to Pay

CATS: Code Amendment Tracking System

CAU: Carers Allowance Unit

CB: Combined Payment

CB: Contributions Based

CB: Contributions Benefit

CBB: Child Benefit Branch

CBC: Child Benefit Centre

CBE: Chronic Bronchitis & Emphysema

CBEP: Child Benefit Extension Period

CBO: Child Benefit Office (previously CBC)

CBP: Central Pensions Branch (Newcastle)

CBP: Computer Based Practice

CBT: Computer Based Training

C/C: Case Control

CC: Community Charge

CC: Customer Care

CCG: Community Care Grant

CCH: Customer Care Helpline

CCM: Customer Care Manager

CCO: Court Collecting Office

CCP: Change Control Process

CCS: Correspondence Control System

CD: Case Documents

CD: Conditional Discharge

CDA: Child Dependency Addition

CDAA: Category of Decision Appealed Against

CDI: Child Dependency Increase

CEF: Corporate Evaluation Framework

CEI: Corporate Efficiency Indicator

CEP: Community Enterprise Programme

CEP: Contributions Equivalent Premium

CES: Common Enquiry Service

CET: Central Explanations Team

CF: Carried Forward

CFO: Classified File Office

CFR: Central File Record

CG: Clerical Giro

CHB: Child Benefit

CHD: Child Benefit Directorate

CHG: Change

CI: Caseload Intervention

CICB: Criminal Injuries Compensation Board

Circs: Circumstances

CIU: Central Implementation Unit

CL: Crisis Loan

CLG: Client Liaison Group (SEMA Leeds)

CL1: Class 1 Contributions

CL2: Class 2 Contributions

CL3: Class 3 Contributions

CL4: Class 4 Contributions

C&M: Claims & Maintenance

CM: Computer Manager

CMB: Child Maintenance Bonus

CMG: Corporate Medical Group

CML: Computer Managed Learning

CML: Council of Mortgage Lenders

CMS: Card Management Service

CMT: Customer Management Team

CNAMO: Caisse Nationale D ’assuarance Maladie Des Ouviers

CNS: Central Nervous System

CO: Central Office

CO: Clerical Officer

CO: Court Order

COA: Change of Address/Certain Other Accommodation

COACCT: Change of Account

COAD: Chronic Obstructive Airways Disease

COB: Combined Order Book

COCs: Change of Circumstances

COD: Contracted-Out Deductions

COE: Condition on Examination

COE: Contracted Out Earnings Factor

COEG: Contracted-Out Employments Group

COFFS: Co-ordination of Fact Finding System

COHAB: Cohabitation

COMB: Contracted-Out Mixed Benefit

Comm: Comminuted Fracture

COMP: Contracted-Out Money Purchase

CONTS: Contributions

COP: Communications and Code of Office Practice

COPO: Change of Post Office

CORK: Change of Registered Keeper

CORRES: Correspondence

COSHH: Control of Substances Hazardous to Health

COSR: Contracted-Out Salary Related

CP: Case paper

C/P: Claim Pack

CPAM: Caisses Primaives D ’assuarance Maladie

CPB: FW Four-Weekly Payments Section, CPB

CPB: Central Pensions Branch

CPBQP: Central Pensions Branch Quarterly Payments Section

CPCS: Central PID Control Section

CPCS: Customer Payment Computer System

CPD(OSB): Children and Pensioners Directorate(Operations Support Branch)

CPF: Combined Pensions Forecast

CPI: Clerical Papers Indicator

CPIP: Corporate Performance Improvement Plan

CPL: Case paper Location

CPN: Community Psychiatric Nurse

CPS: Characters Per Second

CPSA: Civil and Public Service Association

CQ: Cheque

CRG: Central Recovery Group

CRG: Compensation Recovery Group

CRK: Computer Record Keeping system

CRN: Child Reference Number

CRS: Contributions Record Section

CRSS/DRSS: Department De Ralacoes Internacionals E Convencoes De Seguranca

CRU: Compensation Recovery Unit

CSA: Child Support Agency

CSA: Child’s Special Allowance

CSBF: Civil Service Benevolent Fund

CSD: Civil Service Department

CSG: Customer Services Group

CSM: Customer Service Manager

CSMA: Civil Service Motoring Association

CSMC: Civil Service Management Code

CSMNG: Customer Service Managers Network Group

CSO: Computer Support Officer

CSOHS: Civil Service Occupational Health Service

CSOM: Chronic Suppurative Otitis Media

CSR: Child Support Reforms

CSS: Clerical Support Section

CSU: Customer Services Unit

CSU: Central Support Unit

CT: Credit Transfer

CTB: Council Tax Benefit

CTC: Child Tax Credit

Curr: Current

CUST: Customer

CV: Conversational Voice (Ear)

CVA: Cerebral Vascular Accident

CVS: Cardio Vascular System

CWGC: Commonwealth War Graves Commission

CWL: Capable Within Limits

CWP: Cold Weather Payments

CY: Credit Year

D

D&D: Defective & Deficient (Teeth)

D.1: Dorsal 1

D/A: Date of Accident

D/V: Downward Variation

DA: Dual Application

DAAT: Decisions Appeals and Assurance Team

DAH: Disordered Action of the Heart

DAMS: Debt Accounting Management Service

DAP: Death Arrears Payee

DAPS: Data and Printing Service

DAPS: Design and Production Services

DB: Departmental Board

DBA: Debt Balance Account

DBC: Disability Benefit Centre

DBMP: Disability Benefits Modernisation Programme

DBU: Disability Benefit Unit

DC: Deduction Card

DCBD: Disability and Carer Benefits Directorate

DCD: Disability & Carers Directorate

DCI: Departmental Central Index

D/CERT: Death Certificate

DCO: Direct Call Off (agreement)

DCP: District Control Point

DCPB: Disability & Carers Policy Branch

DCR: Departmental Chief Registrar

DCS: Disability & Carers Service

DCSBC: Disability & Carers Service Business Continuity

DCSMB: Disability & Carers Service Management Board

DD: Direct Debit

DDA: Disability Discrimination Act (1995)

DDC: Departmental Data Classification

DDE: Departmental Disruption Executive

DDI: Direct Dialling In

DDPU: Departmental Data Protection Unit

DDS: Departmental Disruption Secretariat

DE: Department of Employment - name now DfEE

DEA: Disability Employment Advisor

DEASE: Dataease

DEC: Decision

DEG: Data Entry Group

DEM: Departmental Energy Manager

DEN: Denmark

DENT: Decision Entitled

DEP: Dependant

DETR: Department for the Environment, Transport and the Regions

DEX: Dialogue Expert

DF: Dorsi Flexion (Wrist &Ankle)

DfEE: Department for Education & Employment

DfES: Department for Education and Skills

DFOU: Date Of First Order Uncashed

DFPU: Date of First Payment Uncashed

DFUF: Date of First Uncashed Foil

DFUO: Date of First Uncashed Order

DG: Death Grant

DH: Department of Health

DHSS (NI): Department of Health and Social Services (Northern Ireland)

DIG: Disability Income Guarantee

DIG: Disablement Income Group

DINO: District Information Officer

DIP: Distal Interphalangeal Joint

DIRC: District Information Retrieval Centre

Dis Ben: Disablement Benefit

DISCH: Discharge

Dis G: Disablement Gratuity

Dis Pen: Disability Pension

DISRG: Disregard

DITA: Departmental Information Technology Agreement

DITM: DCS Information Technology Modernisation

DITSG: Departmental Information Technology Security Group

DITSO: Departmental Information Technology Security Officer

DIV: Divorced

DKT: Docket

DL: Draft Letter

DL/P (OS): Draft Letter in Pensions (OS) manual

DL/PPG: Draft Letter in Pensions Procedures Guide

DLA: Disabled Living Allowance

DLAAB: Disabled Living Allowance Advisory Board

DLA CC: Disability Living Allowance Care Component

DLA HRCC: Disability Living Allowance Higher Rate Care Component

DLA: Mob Disability Living Allowance Mobility

DLACS: Disability Living Allowance Computer System

DLAU: Disability Living Allowance Unit

DLO: Dead Letter Office

DLOC: Date Last Order Cashed

DLOU: Date of Late Order Uncashed

DLPC: Date of Last Payment Cashed

DM: Decision Maker

DMA: Decision Making &Appeals

DMG: Decision Makers Guide

DMO: Divisional Medical Office

DNA: Did Not Attend

DND: Do Not Destroy

DNR: Does Not Refer

DNRA: Do Not Refer Again

DNW: Do Not Weed

DO: Date of Onset

DO: District Office

DOB: Date of Birth

DOC: Date of Claim

DOCS: Documents

DOD: Date of Death

DOD: Date of Divorce

DOE: Date of Entitlement

DOE: Date of Entry

DoFO: Director of Field Operations

DOH: Department of Health

DOM: Date of Marriage

DOO: Date of Onset

DP: Data Protection

DP: Direct Payments

DP/FOI: Data Protection and Freedom of Information

DPA: Data Protection Act

DPA: Deemed Pensionable Age

DPM: Development Project Manager

DPM: Data Protection Manual

DPNSS: Digital Private Network Signalling System

DPO: Data Protection Officer

DPP: Director of Public Prosecutions

DPQM/T: District Programme Quality Management/Team

DPSD: Departmental Purchasing and Supply Directorate

DPTC: Disabled Persons Tax Credit

DPU: Data Protection Unit

DR: Doctor

DRAM: Departmental Risk Assessment Methodology

DRG: Disputes and Reconsideration Guide

DRM: Departmental Records Manager

DRO: Departmental Records Office

DRO: Disablement Resettlement Officer

DS: Dorsal Spine

DSCFA: Department of Social, Community and Family Affairs

DSG: Departmental Superannuation Group

DSS: Department of Social Services (abroad)

DSS: Department of Social Security

DSW: Department of Social Welfare (abroad)

DT: Death Trace

DT: Divorce Trace

DTI: Department of Trade &Industry

DVT: Deep Vein Thrombosis

DWA: Disabled Working Allowance

DWP: Department for Work and Pensions

DWP: Dependant’s War Pension

E

EA Enterprise Allowance

EAR: Exceptional Activity Report

EC: European Community

ECG: Electro Cardiogram

ECJ: European Court of Justice

ECO: European Community Office

ECON: Employer’s Contracted-Out Number

ECP: Exceptional Clerical Payment

EDC :Expected Date of Confinement

EDCP: Enhanced Disability Child Premium

EDD: Expected Date of Delivery

EDI: Electronic Data Interface

EDP: Enhanced Disability premium

EDT: Electronic Data Transfer

EEA: European Economic Area

EEC: European Economic Community

EEE: Employed Earners Employment

eEPP: Electronic Enabling of the Pensions Process

EET: Employee Earnings Threshold

EF: Earnings Factor

EFQM: European Foundation for Quality Management

EFTA: European Free Trade Association

EIS: Executive Information System

EIT: Extended Implementation Trial

EL: Early Leaver

ELO: Energy Liaison Officer

EMIS: Estate Management Information System

EMP: Employer

EMP: Examining Medical Practitioner

EMPL: Employer

EN: Entitlement Notice

ENIS: Entitlement Notice

ENQ: Enquiry

ENT: Entitlement

EO: Executive Officer or Equal Opportunities

EOD: Establishments and Organisation Department

EOI: Early Office Infrastructure

EON: Employee Only National Insurance

EOT: Effluction of Time

EOTY: End of Tax Year

EOTYA: End of Tax Year Action

EOU: Equal Opportunities Unit

EPA: Ephemeral Put Away

EPIC: Emergency Procedures and Instructions Code

ER: Employer

ERA: Evoked response Audiometry

ERRON: Erroneous

ERS: Earnings Related Supplement

ES: Employment Service

ESA: Employment Services Agency

ESA: Employment and Support Allowance

ESA(C): Employment and Support Allowance Contributory

ESA(IB): Employment and Support Allowance Income Based

ESCOM: ES Communications

ESDA: Exceptionally Severe Disablement Allowance

ESE: Execution Support Environment

ESF: European Social Fund

ESJ: Employment Service Jobcentre

ESLO: Employment Services Local Office

ESO: Eyesight Screening Officer

ESOL: English as a Second Language

ESSA: Employment Service Systems Administrator

ESW: Exceptionally Severe Weather

ESY: End of Statistical Year

ET: Employment Training

ETC: Etceteras

ETU: Earnings Top Up

EU: European Union

EWC: Expected Week of Confinement

EXP: Expenses

EXT: Extension

EXT MAL: External Malleoli

EYR: End of Year Return

EZ: Employment Zone

F

F (CODE): Finance (code)

F: manual Finance Manual

F: Fitted

F/Rate: Fixed Rate

F/T: Full Time

FA: Foreign Authority

FAM: Fraud Area Manager

FAMC: Family Credit

FAMC GB: Family Credit Great Britain

FAMC NI: Family Credit Northern Ireland

FAMIS: Financial and Management Information System

FANB: Further Action Notes Box

FAO: For Attention Of

FB & WPD: Fylde Benefits and War Pensions Directorate

FB: Foreign Body

FC: Final Certificate

FCC: First Contribution Condition

FCO: Foreign & Commonwealth Office

FD: Finance Division

FD: Fuel Direct

FDS: Feville De Soins

FEA: Further Education Authority

FED: Fed Back Contributions

FED: First Effective Day

FELO: Further Education Liaison Office

FFI: Final Following Initial

FGI: Fortnightly Giro

FH: Family History

FIG: For Investigation

FIG under GA: For Investigation under General Anaesthetic

FIG: Fraud Investigator’s Guide

FIS: Family Income Supplement

FJP: Forward Job Plan

FJR: Fortnightly Jobsearch Review

FLEX ’N: Flexion

FLO: Fuel Liaison Officer

FMT: Free Milk Tokens

FO: Fraud Officer

FOD: Focus On Delivery

FP: Funeral Payment

FPC: Family Practitioner Committee

FPE: Full Production Environment

FPPRA: FAMIS Pay and Personnel Reports Application

FRA: France

FRMS: Fraud and Risk Management Service

FRR: Fixed Rate Revaluation

FRS: Family Resources Survey

FRY: Final Relevant Year

FS: Former Spouse

FSB: Financial Services Branch

FSD: Financial Services Division

FSM: Fraud Sector Manager

FTA: Failed to Attend

FTC: Fixed Term Contracts

FTE: Full Time Education

FTM: Freedom to Manage

FTS: Failed To Sign

FW: Found Work

FW: Four Weekly

FWA: Freedom with Assurance

FWH: Flexible Working Hours

FWP: Four Weekly Payment

FY: Final Year

G

G: Guilty

GA: General Anaesthetic

GA: Guardian’s Allowance

GAD: Government Actuates Department

GAP: Good Area Practice

GB: General Benefits (code)

GB: Great Britain

GBI: General Benefit Information

GBU: General Benefit Unit

GC: General Condition

GDN: Government Data Network

GER: Germany

GI: Gateway Intervention

GMIF: Gross Mortgage Interest Factor

GMP: Guaranteed Minimum Pension

GP: General Practitioner

GRAD: Graduated Retirement Benefit

GRB: Graduated Retirement Benefit

GRD: Graduated Retirement Benefit

GRE: Greece

GRO :General Register Office

GSI: Government Secure Internet

GSW: Gun Shot Wound

GTH: General Terminal Handling

GTN: Government Telephone Network

GUS: Genito-Urinary System

H

H&S: Health and Safety

H/OFF: Hand off

HA: Health Authority

HAM: Historic Amended

HAP: Highest Age Pay

HASSASSA: Health and Social Services and Social Security Adjudication Act

HASSRA: Health and Social Security Recreation Association

HB: Housing Benefit

HB/CT: Housing Benefit/Council Tax

HBRO: Housing Benefit Run On

HCA: Historic Cancelled

HCN: Hospital Case Notes

HCS: Housing Cost Supplement

HCS/HCN: Hospital Case Sheet/Notes

HD: Help Desk

HAD: Higher Duties Allowance

HED: Higher Earning Disregard

HELP: Handbook of Emergency Local Procedures

HEO: Higher Executive Officer

HLBR: High Level Business Requirements

HMC: Hospital Management Committee

HMF: Her Majesty’s Forces

HMIT: Home Office Inspector of Taxes

HMP: Her Majesty ’s Prison

HMSO: Her Majesty’s Stationery Office

HMT: Her Majesty ’s Treasury

HNC: High National Certificate

HNCIP: Non-Contributory Invalidity Pension for Housewives

HND: Higher National Diploma

HO: History of

HO: Home Office

HOF: Home Office File

HOL: Holland

Hosp: Hospital

HOT: Home Office Trace

HP: Holiday Pay

HPA: Hospital Personal Allowance

HPC: History of Present Complaint

HPP: Higher Pensioner Premium

HQ DMA: Headquarters Decision Making and Appeals

HQ: Headquarters

HRE: Higher Regular Earnings

HRP: Home Responsibilities Protection

HRT: Habitual Residence Test

HSN: Heart Sounds Normal

HTA: Hospital Treatment Allowance

HVFO: High Value First Order

HVO: High Value Order

I

IA: Industrial Accident

IAA: Incapacity Age Addition

IAA: Invalidity Age Allowance

IANG: Inter-Agency Network Group

IAS: Internal Assurance Services

IB: Incapacity Benefit

IB: Injury Benefit

IB(Y): Incapacity Benefit for people incapacitated in Youth

IBLT: Incapacity Benefit Long Term

IBP: Injury Benefit Period

IBS: Integrated Benefit Section

IBST: Incapacity Benefit Short Term

ICA: Invalid Care Allowance

ICAU: Invalid Care Allowance Unit

ICB: International and Constitutional Branch

ICC: Integrated Child Credit

ICS: Integrated Complementing System

ID: Identity, Identification

IDB: Industrial Death Benefit

IDK: Internal Derangement Knee

IDOC: Initial Date of Contact

IDS: Incomes Data Services

IH: Inguinal Hemiotomy

II: Industrial Injuries

IICS: Industrial Injuries Computer System

IIDB: Industrial Injury Disablement Benefit

IIP: Investors in People

IISB: Industrial Injuries Scheme Benefits

IL: Instructor Led

ILO: Integrated Local Office

IN JOINT: Inter Phalangeal Joint

INAIL: Instituto Naxionale per L ’Assicurazione Contro Gli Infortuni sal Lavoro

INCAP: Incapacity Benefit

Incs: Increments

INH: Inherited

Init: Initial

INJ: Injection

INPS: Instituto Nazionale Della Previdenza Sociale

INS: Co Insurance Company

INS: Insurance

InS: Internal services

Ins Ops: Insurance Operations

INSS: Instituto Naçional De la Seguidad Social

INVAL: Invalid

IO: Internal Office

IO: International Office

IOCC: Institute of Customer Care

IOM: Isle of Man

IOP: Instrument of Payment

IP: Initial Payment

IP: Injury Procedures

IP: In-Patient

IP: Insured Person

IP: Inter Phalangeal

IPC: International Pension Centre

IPF: Individual Pension Forecast

IPO: International Pensions Office (formerly:OPG – Overseas Pension Group))

IR (NICO): Inland Revenue (National Insurance Contributions Office)

IR: Inland Revenue

IRIS: Inland Revenue International Services

IRO: In Respect Of

IRP: Increase of Retirement Pension

IRPLS: Inland Revenue Pensions Liaison Section

IRS: Independent Review Service

IS (OS)M: Income Support Operational Strategy Manual

IS: International Services

IS: Income Support

ISBS: Iron and Steel Re adaptation Benefits Scheme

ISCS: Income Support Computer System

ISM: Income Support Manual

ISMT: Internal Security Management Team

ISQ: In Status Quo

ISS: Inherited SERPS Scheme

ISS: Issue

IT: Information Technology

ITP: Initial Training Plan

ITP: Instruction to Pay

ITSA: Information Technology Services Agency

ITSD: Information Technology Services Directorate

ITSS: Information Technology Security Standards

IUC: Interview Under Caution

IVA: Invalidity Allowance or Invalidity Addition

IVB: Invalidity Benefit

IVP: Invalidity Pension

IVP(H): Invalidity Pension based on deceased husband’s contributions

IVP(O): Invalidity Pension based on own contributions

IVP(W): Invalidity Pension based on deceased wife’s contributions

IWG: Infrastructure Working Group

J

JABS: Jobseeker Attendance Bands System

JAR: Job Appraisal

JARI: Jobseekers Automated Recovery Interface

JBES: Jobseekers and Benefit Enhancement Section

JC: Job Centre

JDO: Job Design Organisation

JRA: Job Release Allowance

JS: Jury Service

JSA: Job Seekers Allowance

JSA(C): Contribution Based Jobseekers Allowance

JSA(IB): Income Based Jobseekers Allowance

JSAG: Jobseekers Agreement

JSAPS: Jobseekers Allowance Payment System

JSD: Jobseeker Direct

JSP: Job Seeking Period

JSS: Job Specific Selection

JUV CRED: Juvenile Credits

K

KELA: Kansane Lä Kelaitoksen-Paikallistoimisto (The Social Insurance Institution of Finland)

KJ: Knee Jerk Reflexes

KWO: Key Work Objectives

L

L & A: Light & Accommonociaion (Eyes)

L.1: Lumbar 1

LA: Local Authority

LAN: Local Area Network

LAO: Local Adjudication Officer

LAU: Local Authorised User

LBTN: Longbenton

LCC: Limited Case Check

LCD: Liquid Crystal Display

LCS: Local Customer Survey

LCTY: Last Complete Tax Year

LCW: Limited Capability for Work

LCWRA: Limited Capability for Work Related Activity

LED: Last Effective Day

LED: Light Emitting Diode

LEG: Legislation

LEL: Lower Earnings Limit

LEM: Local Office Energy Manager

LET: Lower Earnings Threshold

LHO: Local Housing Office/Officer

LHS: Left Hand Side

LHSO: Local Health and Safety Officers

LHT: Left Hand Tag

LIF: Linking Information Form

LIH: Left Inguinal Hernia

LINO: Local Information Officer

LIO: Local Insurance Officer

LIR: Lenders Interest Rate

LM: Labour Market

LMS: Labour Market System

LMU: Local Management Unit

LO: Lapsed Order

LO: Local Office

LOA: Letter of Assurance

LOAF: Local Office Advice File

LOF: Local Office Factors

LOI: Local Officer I

LOII: Local Officer II

LOM: Local Office Management

LOMP: Local Office Microcomputer Project

LOSA: Local Office Security Administrator

LOTO: Local Office Training Officer

LOTP: Lapsed Order to Pay

LOWCOP: Local Office Whitley Code of Practice

LOX: Local Office Expert

LP: Like Payment

LPA: Local Pay Addition

LPB: Lone Parent Benefit

LPC: London Pension Centre

LPG: Like Payment Group

LPG: London Pensions Group

LPG: Local Pensioners Group

LPRO: Lone Parent Run On

LR: Liable Relatives

LRC: Learning Resource Centre

LRCC: Lower Rate Care Component

LRO: Liable Relative Officer

LRP: Limited Rate Premium

LRP: Limited Revaluation Premium

LRY: Last Recorded Year

LSD: Local Service Deliverer

LT: Left

LTAHAW: Living Together as Husband and Wife

LTAHW: Living Together as Husband and Wife

LTB: Long Term Benefits

LTBF: Likely to Become Fitted

LTC: Long Term Client

LTSR: Long Term Scale Rate

LV: Left Voluntarily

LV: Lumbar Vertebrae

LV: Left Voluntarily

LVA: Landesverscherungsanstalt

LX: Extra Late Payment

M

MA: Medical advisor

MA: Maternity Allowance

MAF: Maintenance Application Form

MAINT: Maintenance

MAM: Microcomputer Administration Manual

MANCOB: Manual Issued Combined Order Book

MAP: Maternity Allowance Period

MAP: Migration of Applications

MARS: Management of Resource Statistics

MAS: Medical Adjudication Section

Mat Ben: Maternity Benefit

MAT: Maternity Appeal Tribunal

MAU: Mobility Allowance Unit

Max EF: Maximum Earnings Factor

MB: Maternity Benefit

MBB: Multi Benefit Bulletin

MBR: Main Benefit Reply

MBRC: Medical Benefits Reimbursement Case

MBS: Medical Boarding Section

MC: Magistrates Court

MCA: Marine &Coastguard Agency

MCB: Medical Boarding Centre

MCO: Mobile Caller Office

MCP JOINT: Metacarpal Phalangeal Joint (Hand)

MCR: Management Check Report

MED BEN: Medical Benefits

Med Cert: Medical Certificate

MFA: More Frequent Attendance

MFLO: Muslim Family Law Ordinance

MFR: Minimum Funding Requirement

MI: Management Information

MID: Mortgage Interest Direct

MIG: Minimum Income Guarantee

MIN: Minute

MIRO: Mortgage Interest Run On

MIS: Management Information Statistics

MIS: Management Information System

Misc PA: Miscellaneous Put Away

MISFs: Management Indicators for the Social Fund

MISP: Management Information System Project

MIT: Modernisation & Integration Team

MMS: Murmurs

MMT: Manual Migration Team

MO: Medical Officer

MO(RES DIS): Medical Officer (Respiratory Diseases)

MOB: Mobility

Mob A: Mobility allowance

MOP: Methods of Preservation

MOP: Method Of Payment

MOS: Minister of State

MP: Maternity Payment

MP: Member of Parliament

MPA: Minimum Pension Age

MPB: Management Pay Band

MPG: Medical Policy Group (now known as CMG)

MPQ: Matching Posting Query

MQS: Miscellaneous Queries Section, Longbenton

MQS: Miscellaneous Queries Section NCO

MR: Management Return

MRMM: Media Relations and Marketing Manager

MS: Medical Services

MS: Member Spouse

MS: Member State

MSC: Manpower Services Commission

MSDOS: Micro Soft Disc Operated System

MSLM: Medical Services Liaison Manager

MSM: Medical Services Manager

MSP: Member of the Scottish Parliament

MSS: Motability Support Section

MSWG: Modern Services Working Group

MT: Marriage Trace

MT: Membrane of Tympanum

MTM: Management Team Meeting

MTP JOINT: Metatarsal Phalangeal Joint (Foot)

MU: Management Unit

MUA: Manipulation under Anaesthetic

MUG: Marriage Users Guide

MUM: Microcomputer User Manual

MVA: Monetary Value of Adjustment

MVE: Monetary Value of Error

MWE: Married Woman’s Election

MWNP: Married Womens Non Paying election

MWO: Married Womans Option

MWRRE: Married Womans Reduced Rate Election

N

N/ENT: Not Entitled

N/ENT: No Entitlement

NA: Not Applicable

NAC: Network Administration Centre

NAD: Nothing Abnormal Detected

NAR: No Action Required

NATs: New Age Travellers

NBD: Newcastle Benefits Directorate

NBFH: National Benefit Fraud Hotline

NC: No Change

NCB: National Coal Board

NCIP: Non contributory Invalidity Pension (now SDA)

NCMG: Non contributory Maternity Grant

NCO: Newcastle Central Office

NCOPF: National Council for One-Parent Families

ND FTET: New Deal Full Time Education & Training

ND: New Deal

NDG: New Deal Grant

NDLP: New Deal for Lone Parents

NDP: New Deal Partners

NDPA: New Deal Personal Advisor

NDYP: New Deal for Young Person

NE: Not Examined

NF: Not Fitted

NFA: No Fixed Abode

NFA: No Further Action

NFCA: No further Control Action

NFCO: North Fylde Central Office

NG: Not Guilty

NH: Nursing Home

NHI: National Health Insurance

NHS: National Health Service

NI: National Insurance

NIA: Northern Ireland Agency

NIC: National Insurance Contributions

NICB: National Insurance Contributions Branch

NICO: National Insurance Contributions Office (Inland Revenue) (formerly CACO)

NINO: National Insurance Number

NIO: National Insurance Office

NIRS: National Insurance Recording System

NISPI: National Insurance Services to the Pensions Industry (formerly COEG)

NJI: New Jobseekers Interview

NL: Nipple Line

NLQ: Near Letter Quality

NMBC: Non Manpower Budgetary Control

NMI: Non Matching Item

NOK: Next of Kin

NP: New Person

NPC: National Pension Centre

NPD: Newcastle Pensions Directorate

NPF: National Productivity Factor

NPFTC: National Pensions Forecasting & Teleclaims Centre

NPO: Nominated Post Office

NPS: National Personnel System

NQ: Non Qualifying

NR: Newcastle Records

NRDC: National Research Development Council

NRO: Nominated Reviewing Office

NRP: Non Resident Parent

NRS: New Registration Section

NSBC: Non Staff Budgetary Control

NSI: Network Services Implementation

NT: No Trace

NTTC: New Technology Training Centre

NTU: Network Terminating Unit

NUBS: National Unemployment Benefit System

NUCPS: National Union of Civil and Public Servants

NV, N/V: Non Verified/Not verified

NVQ: National Vocational Qualification

O

O/P: Out Patient

O/P: Overpayment

OA: Osteo Arthritis

OA: Office Administration (Code)

OA: Changes Osteoarthritic Changes

OAS: Overseas Awarding System

OAT: Operational Assurance Team

OB: Order Book

OBAP: Order Book After Pay

OBCS: Order Book Control System

OBD: Overseas Division

OBG: Overseas Benefit Group

OCAO: Office of the Chief Adjudication Officer

OCCB: Operational Change Control Board

OCCPEN: Occupational Pension

OCR band: Optical Character Reading band

OCS DCS: Official Correspondence Section

OCT DCS: Official Correspondence Team

OD: Every Day

OD: Overseas Division

OE: On Examination

OGD: Other Government Department

OHS: Occupational Health Service

OI: Office Implementation

OM: Every Morning

OM: Otis Media

OMB: Operational Management Board

ON: Every Night

ONC: Ordinary National Certificate

OND: Ordinary National Diploma

ONPS: Office National Des Pensions

OOA: Out of Area Payment

OOH: Out of Hours

OOHS: Out of Hours Service

OP: Operation

OP: Order Payable

OP: Outpatient

OP: Overpayment

OPA: Overseas Pension Agent

OPB: Occupational Pensions Board

OPB: One Parent Benefit

OPD: Out-Patient Department

OPF: Occupational Pensions File

OPN: Operation

OPRA: Occupational Pension Regulatory Authority

OPS: Operational Section

OPSSAT: Office of the President of the Social Security Tribunal

OR: Overall requirements

ORG: Overpayments Recovery Guide

OS: Operational Strategy

O/S: Outstanding

OSB: Office Services Branch

OSC (EC): Overseas Contributions (European Community)

OSC (RA): Overseas Contributions (Reciprocal Agreement)

OSD: Operations Support Directorate / Operational Services Division

OSFI: Office of the Social Fund Inspector

OSLAN: Open System Local Area Network

OSSC: Office of the Social Security Commissioners

OSSCSC: Office of the Social Security and Child Support Commissioner

OT: Overtime

OTIS: Opportunity To Income Support

OVB: Overseas Branch, Newcastle Central Office

OWR: Overdue Work Report

P

P/E: Pre-existing

PA (M): Personal Advisor Meetings

PA Mtng: Personal Advisor Meetings

PA: Person Abroad

PA: Pensionable Age

PA: Personal Adviser

PA: Put Away

PAB: Personal Acting Body

PAC: Public Accounts Committee

PACS: Programme Accounting Computer System

PACT: Projects Advice & Consultancy Team

PAG: Programme Accounting Group

PAR: Payment Action Outstanding

PAS: Payment Authorisation Service

PAS: Personal Accounts Security

PAS: Potentially Aggressive Situation

PASA: Post Award System Access

PAT: Project Assurance Team

PAT: Provider Assurance Team

PAYE: Pay as You Earn

PB & MDB: Pneumoconiosis, Byssinosis and Miscellaneous Diseases Benefit

PB: Pay Band

PBMIS: Policy, Budget and Management Information System

PBOS: Pensioner Benefits Operational Support

PC: Parliamentary Commissioner

PC: Payment Combined

PC: Personal Computer

PC: Present Complaint

PCA: Parliamentary Commissioner for Administration (Ombudsman)

PCA: Personal Capability Assessment

PCAL: Pension Credit Application Line

PCB: Pensions Compensation Board

PCC: Periodic Case Check

PCG: Posting Clerk Group

PCK: Processor Controlled Procedures

PCP: Pensions Computer Procedures

PCS: PID Control Section

PCS: Public and Commercial Services Union

PCSPS: Principal Civil Service Pension Scheme

PCT: Project Co-ordination Team

PCU: Parliamentary Correspondence Unit

PD: Pensions Direct

PD: Prescribed Disease

PD/r: Personal Details Repository

PDA: Programme Design Authority

PDCS: Personal Details Computer System

PDD: Pensions and Disability Directorate

PDP: Personal Development Plan

PDS: Personal Development System

PE: Periodic Enquiry

PE: Period of Entitlement

PES: Public Expenditure Survey

PF: Palmar (wrist)

PF: Plantor (foot)

PFDS: Print File Distribution System

PFP: Pensions Forecasting Project

PFUG: Procedures and Forms User Group

PG: Policy Group

PGO: Paymaster General’s Office

PH: Past History

PI: Payment Instruction

PI: Performance Indicator

PI: Personal Issue

PIAT: Performance Improvement Action Team

PID: Personal Identification Device

PID: Personnel Invitation Document (DBD920)

PID: Project Initiation Document (Projects)

PID: Prolapsed Invertebral Disc

PIE: Period of Interruption of Employment

PIL: Pensions in Lieu of gratuity

PILON: Payment in Lieu of Notice

PILOR: Payment in Lieu of Remuneration

PIMMS: Performance and Integrated Monitoring for Managers System

PIP: Proximal Interphalangeal

PIPs: Particular Instance Papers

PIR: Post Implementation Review

PIW: Period of Incapacity for Work

PL: Pensions Law

PLO: Pensions Liaison Officer

PLO: Personnel Liaison Officer

PLRC: Pensions Law Review Committee

PMG: Paymaster General

PMH: Previous Medical History

PML: Paid Maternity Leave

PMP: Payment Modernisation Programme

PMSG: Performance Measurement Steering Group

PMT: Payments

PMTS: Pre-determined Motion Time Systems

PO: Payable Order

PO: Post Office

PO: Private Office

POA: Power Of Attorney

POCL: Post Office Counters Limited

POD: Pensions and Overseas Benefits Directorate

PODOP: Prevention Of Duplication Of Payments

POG: Printed Output Guide

POLS: PMP Operations & Live Support (formerly COLS)

POM: Post Opening Manual

POM: Post Operations Manual

POP: Plaster of Paris

POP: Print Operator

POUNR: Post Office Urban Re-Invention

PP: Pensions Payment

PP: Personal Pension

PP: Pin Prick Sensation

PP: Periodic Payment

PPB: Payment Procedural Bulletin

PPC: Policy and Production Centre

PPC: Pre Payment Check

PPFM: Programme Protection Fund Manager

PPG: Payments Procedures Guide

PPG: Programme Protection Group

PPI: Protection of Personal Information (Code)

PPM: Payment Procedures Manual

PPM: Periodic Payment Made

PPM: Programme Protection Management

PPO: Press & Publicity Officer

PPS: Papers

PQ: Parliamentary Question

PR: Pulse Rate

PR: Pupil Reflexes

PRA: Personal Requirements Allowance

PRAT: Portable Remote Access Terminal

PRCS: Payment Repository Computer System

PRD: Period

PRF: Pro Rata Fraction

PRFD: Principle registry family Division

PRIN: Principal

PRISM: Personal Record Information System for Management

PRO: Public Relations Officer, Public Records Officer

PROP: Protected Rights Premium

PRP: Pensioners Rights Premium

PRP: Permanent Retention Post

PRS: Payment Repository System

PSC: Parliamentary Under Secretary (Commons)

PSC: Project Steering Committee

PSCS: Pensions Strategy Computer System

PSD: Pension Service Division

PSF: Public Sector Fraud

PSL: Parliamentary Under Secretary (Lords)

PSMG: Performance Measurement Steering Group

PSOD: Pension Sharing On Divorce

PSP: Pensions Strategy Project

PSP: Public Service Pension

PSS: Packet Switch System

PSS: Payment Stable

P/T: Part Time

Pt: Patient

PT: Physiotherapy

PTO: Public Trust Office

PTP: Pensions Transformation Programme

PTW: Part Time Work

PtW: Pathways to Work

PU: Personnel Unit

PUCODIs: Payable Uprated contracted-out Deductions increments

PUGMPIs: Payable Uprated Guaranteed Minimum Pension Increments

PUN: Pick-up Notice

PUS: Private Users Scheme (Official Vehicles)

PV: Potentially Violent

PVA: Pensionsversicherungsanstalt Der Angestellten

PVC: Potentially Violent Claimant

PVI: Potentially Violent Indicator

PVP: Potentially Violent Person

PWA: Person Without Accommodation

PWR: Payable Weekly Rate

PY: Penultimate Year

PYMT: Payment

PYT: Payment

Q

QA: Quality Assurance

QACS: Quality Assurance Checking Section

QAP: Quality Assessment Package

QAS: Quality Assurance section

QC: Quality Control

QCS: Quality Control Section

QD: Qualifying Day

QDS: Four Times a Day

QEF: Qualifying Earnings Factor

QEL: Qualifying Earnings Level

QP: Qualifying Period

QP: Quarterly Payments

QSE: Quarterly Statistical Return

QSM: Quality Service Management

QST: Quality Support Team

QTY: Qualifying Tax Year

QY: Qualifying Year

R

R: Right

R&TC: Research and Test Centre

RA: Reciprocal Agreement

RA: Relevant Accident

RA: Retirement Allowance

RACT: Review Area Control Team

RAO: Regional Adjudication Officer

RAP: Required Amount Premium

RAP: Rate After Pay

RAT: Remote Access Terminals

RBD: Recovery by Deduction

RCD: Reduced Case paper Dependency

RCF: Ratio Check Failures

RCH: Residential Care Home

RD: Respiratory Disease

RD: Regional Directorate

RDM: Regional Decision Maker

RDU: Regional Data Unit

RDV: Response to Displayed Vacancies

REA: Reduced Earnings Allowance

REA(F): Reduced Earnings Allowance Frozen Rate

REA(P): Reduced Earnings Allowance Personal Rate

REC ’D: Received

RECON: Reconsideration

REF: Reference, Refer

REG ’D: Registered

REG: Regulations

REN: Renewal

REQd: Required

REQt: Request

RETD: Returned

RETN: Return/Returned

RFC: Request for Change

Rfe: Recovery From Estate

RFO: Regional Finance Office

RGD: Reduced GBU Dependency

RHS: Right Hand Side

RHT: Right Hand Tag

RIDDOR: Reporting Injuries, Diseases and Dangerous Occurrences Regulations

RIF: Right IIiac Fossa

RIH: Right Inguinal Hernia

RIM: Regional Implementation Manager

RINO: Regional Information Officer

RITY: Relevant Income Tax Year

RITYS: Relevant Income Tax Years

RLO: Regional Liaison Officer

RLOF: Relevant Loss of Faculty

RMA: Records Management Advisor

RMO: Regional Medical Officer

RMPS: Redundant Mineworkers (Payments) Scheme

RMS: Regional Medical Service

RMS: Resource Management System

RNG: Random Number Generator

RO: Regional Office

RO: Reporting Officer

RO: Review Officer

ROB: Renewal Order Book

ROMO: Regional Office Medical Officer

ROW: Rest of the World

RP: Redundancy Payment

RP: Retirement Pension

RPA: Responsible Paying Authority

RPAR: Retirement Pension Age Related

RPFA: Retirement Pension Forecasting and Advice

RPFT: Retirement Pension Forecasting Team

RPL: Retirement Pension Law

RPMS: Regional Personnel Microcomputer System

RPO: Restricted Post Office

RR: Rapid Reclaim

RRL: Reduced Rate Liability

RS: Respiratory System

RSF: Routine Report

RSM: Remote Systems Management

RSM: Remote Systems Manager

RSPC: Repeated Short Period Claimant

RSPS: Shipbuilding (Redundancy Payments) Scheme

RT: Right

RTA: Road Traffic Accident

RU: Resettlement Unit

RVP: Rijksdienst Voor Pensioenen

RVT: Requisition Validation Team

S

S of S: Secretary of State

S.1: Sacral 1

S102: Section 102

S148: Section 148

S21: Section 21

S2P: State Second Pension

S50A: Section 50A

SAL: Standard Acknowledgement Letter

SALO: Sickness Absence Liaison Officer

SAR: Staff Appraisal Report

SAR: Subject Access Request

SAR: System Access Record

SAT: Satisfied

SAT: Security Assurance Team

SB: Sickness Benefit

SBC: Small Business Case

SBO: Special Banking

SC: Security Co-ordinator

SC: Staff Code

SCC: Second Contribution Condition

SCCS: Security Checking &Compliance System

SCOG: Security Checking Officers Guide

SCON: Scheme Contracted-Out Number

SDA: Severe Disablement Allowance

SDB: Sutton Disability Benefits

SDBMT: Sutton Disability Benefits Management Team

SDC: Service Delivery Centre (formerly ACC – Area Computer Centre))

SDC: Secure Data Configuration

SDC: Service Development Consultancy

SDM: Sector Decision Maker

SDM: Specialist Decision Maker

SDOA: Severe Disablement Occupation Allowance

SDP: Severe Disability Premium

SDP: Severely Disabled Person

SE: Self Employment

SEB: Southern Electricity Board

SEE: Small Earnings Exception

SEL: Statutory Earnings Limit

SEMA: Medical Services (Society for Economic Mathematic Application)

SEO: Senior Executive Officer

SERPS: State Earnings Related Pensions Scheme

SF: Social Fund

SFCS: Social Fund Computer System

SFI: Social Fund Inspector

SG: Support Grades

SGB: Support Grade Band

SH: Social History

SH: Severe Hardship

SHA: Special Hardship Allowance

SHD: Strategy Help Desk

SI: Sacro-IIiac

SI: Self Instruction

SI: Special Investigator

SI: Statutory Instrument

SIBPA: Specialist Incapacity Benefit Personal Advisor

SIR: Standard Interest Rate

S/L: Sick Leave

SLA: Service Level Agreement

SLR: Straight Leg Raise

SM: Section Manager

SM: Service Manager

SMB: Strategic Management Board

SMG: Service Management Group

SMIN: Senior Management Information Needs

SMO: Senior Medical Officer

SMP: Statutory Maternity Pay

SMR: Statistical Management Returns

SOC: Standard Occupation Code

SOD: Single Outcome Decision

SofS: Secretary of State

SOLS: Solicitors

SOS: Secretary of State

SOV: Supervisor of Visiting

SP MB: Special Medical Board

SP: Special payments

SP: Single Payment

SPA: State Pension Age

SPC: State Pension Credit

SPD: Service Planning Database

SPO: Secure Print Operator

SPPs: Split Payment Payees

SPRU: Scottish Parliamentary Relations Unit

SQR: Scan Query Reports

SR: Special Rule (as in DLA cases)

SRB: Supplementary Record for Benefit

SRG: System Reference Guide

SRN: State Registered Nurse

SRU: Staff Resources Unit

SS ACT: Social Security Act 1975

SS: Social Security

SS: Suspended Sentence

SSAC: Social Security Advisory Committee

SSALE: Social Security Advice Line for Employers

SSAT: Social Security Appeal Tribunal

SSC: Social Security and Child Support Comissioners

SSC: Stationery Stock Control

SSMART: Stretching Specific Measurable Achievable Realistic Time-bound

SSO: Small Systems Officer

SSP: Security Specialist

SSP: Act Social Security Pensions Act

SSP: Statutory Sick Pay

SSTI: Social Security technical instructions

ST: Southern Territory

STAP: Single Terminal Access Point

STATS: Statistics

STB: Short Term benefits

STC: Southern Territory Circular

STOP: Service To The Public

STS: Strategy Terminal System

SUBS: Substitution

SUPER/S: Supersession

Supp B: Supplementary Benefit

SUSF: Full Payment Suspension

SUSP: Award Level Payment Suspension

SV: Sick Visit

SVB: Sociale Verzekeringsbank

SVCE: Service

SVOD: Serps Valuation on Divorce

SWA: Southern Water Authority

SWD: Social Work Department (Scotland)

SWO: Staff Welfare Officer

SXR: Scalp X-ray

T

T.1: Thoracic 1

T/I: Transfer In

T/O: Tear-Off

T/O: Transfer Out

T/U: Top Up

TAM: Treat as Made

TAPS: Trans-Continental Automated Payment Services

tAS: The Appeals Service

TASCC: Total Assurance System Checks Control

TAW: Temporary Allowance as the Widow of a severely disabled war pensioner

TC: Telephone Call

TC: Terminal Controller

TCA: To Come Again

TD: Territorial Director

TDLO: Training and Development Liaison Officer

TDS: Three times a day

TEC: Training Enterprise Council

TED: Training and Experience Database

TEL: Telephone

TFW: Training for Work

TGC: To Go Convalescent

THE: Trainee Handouts

TI: Temporary Identifier

TIA: Taken Into Account

TIB & FIB: Tibia & Fibia

TIP: Terminal Interphalangeal Joint

T/L: Team Leader

TL: Typed Letter

TLS: Telephone Liaison Section

TLO: Training Liaison Officer

TM: Tympanic Membrane

TMG: Team Member Guide

TMS: Terminal Management System

TMT: Territorial Management Team

T/O: Treat Official

TOG: Training Officers Guide

TOIL: Time of in Lieu

TOPS: Training Opportunities Programme

TP: Temporary Promotion

TP: Training Plan

TP: Transfer Premium

TPO: Token Post Office

TPR: Total Payable Rate

TQM: Total Quality Management

TRS: Training Records System

TS: Thoracic Spine

TS&D: Technical Support & Development

TSD: Training Services Division

TSG: Technical Support Group

TSO: The Stationery Office

TT: Temporary Token

TTC: Transfer to Clerical

TTWA: Travel to other Work Areas

TU: Trade Union

TUG: Training User Group

TUM: Telephoned Urgent Message

TUPE: Transfer of Undertakings (protection of employment)

TUS: Trade Union Side

TV: Process Transverse Process

TVP: Tyneview Park

TY: Tax Year

TYP: Typing

TYPMAN: Typing Manager

TYP: Typist

U

U/R: Uprating

U/V: Upward Variation

UB: Unemployment Benefit

UBO: Unemployment Benefit Office

UCP: Urgent Case Payment

UEL: Upper Earnings Limit

UG: Unified Grade

UG6/7: Unified Grade 6/7

UK: United Kingdom (Great Britain and Northern Ireland)

UNSUPP: Unemployability Supplement

UMB: Unit Managers Board (formerly the Ops Board)

UMT: Unit Management Team

UPML: Unpaid Maternity Leave

US: Unemployability Supplement

USG: User Support Group

USL: Unita Sanitoria Locale

UTP: Unshielded Twisted Pair (cabling)

V

V: Verified

VA: Visual Acuity

VA: Veterans Agency

VAT2K: Validation and Test checks

VDH: Valvular Disease of the Heart

VDPU: Vaccine Damage Payment Unit

VDT: Visual Display Terminal

VDU: Visual Display Unit

VED: Vehicle Excise Duty

VERS: Voluntary Early Retirement Scheme (for mineworkers)

VFM: Value for Money

VL: Village List

VM: Unit Verification of Marriage Unit

VMU: Validity of Marriage Unit

VO: Visiting Officer

Vol: Voluntary

Vol: Volume

VP: Voluntary Payment

VRA: Virtual Router Account

VU: Voluntary Unemployment

VUTW: Virtually Unable To Walk

VV: Varicose Veins

VWF: Vibration White Finger

W

W/L: Working Life

W/L: Wages in Lieu

WA: Widow’s Allowance

WAA: Working Age Agency

WACG: Working Age & Children Group

WAR: Work Availability Report

WARU: Welsh Assembly Relations Unit

WASMP: Working Age Services Modernisation Project

WB: Widow’s Benefit

WBLA: Work Based Learning for Adults

WBS: Weekly Benefit Saving

WC: Week Commencing

WCA: Workmens Compensation (supplementation) Scheme

WDs: Waiting Days

W/EX: Written Explanation

WEF: With Effect From

WFHRA: Work Focussed Health Related Assessment

WFI: Work Focussed Interview

WFP: Winter Fuel Payment

WFPS: Winter Fuel Payment System

WFTC: Working Families Tax Credit

WINZ: Work And Income New Zealand

WMA (P): Widowed Mothers Allowance (Personal)

WMA: Widowed Mother’s Allowance

WMAP: Widows Mothers Allowance (Personal)

WOR: Work Overdue Report

WP (AR): Widow’s Pension (Age Related)

WP: Widow’s Pension

WP: Word Processor

WPA (P): Widowed Parents Allowance (Personal)

WPA: Widowed Parents Allowance

WPMS: War Pensions Mobility Supplement

WPO: War Pensions Office

WPS: Widow’/Widowers’s Pension Scheme

WPT: Widow’s Payment

WRAC: Work Related Activity Component

WRO: Welfare Rights Officer

WRS: Widows Running Start

WS: Welfare Service

WSOR: Written Statement of Reasons

WTC: Working Tax Credit

WWP: War Widows Pension

X

XSF: Sensitive Report

Y

YP: Young Person

YPBA: Young Persons Bridging Allowance

YR: Year

YSS: Youth Support Scheme

YT: Youth Training

YTD: Year To Date

YTS: Youth Training Scheme

ABC Comment, have your say below:

CASH BOOST - Families claiming Universal Credit will be in for a DWP cash boost to hit their accounts by Christmas, the government has confirmed.

The extra money is the first sign of changes which will bring an annual increase of one thousand, one hundred pounds per annum.

The changes had been due to come in on December 1, but were brought in a week earlier, on November 24.

The changes had been announced in Rishi Sunak's Autumn Budget. They will increase the work allowance as well as lowering the taper rate.

The work allowance is the amount you can earn in wages before your Universal Credit is affected. This has gone up from £293 to £335 if your Universal Credit includes housing support and from £515 to £557 if it doesn't.

This change will only benefit those lucky enough to be in work and ignores many people who are disabled, carers, out of work, and those still on legacy benefits.

In addition, the higher work allowance means more people will now qualify for Universal Credit.

ABC Comment, haved your say below:

CHRISTMAS SHOPPING - With just over a week to go, here is a handy guide to help you with your last minute preparations 

Super Saturday is the last Saturday before Christmas and the final opportunity for millions of Brits to do their festive shopping. This year it falls on December 18th, which is in just a few days’ time, so if you haven’t already bought your presents, then you need to start now.

Leaving your gift-getting until a week before the big day is risky, but it is still possible to bag a bargain if you know where to look. Luckily for you, experts at money.co.uk have put together a handy guide with all the need-to-know information. 

James Andrews, senior personal finance editor at money.co.uk, said: “First you need to make a plan. With such a short amount of time between now and Christmas Day, you don’t have the luxury of wandering the aisles browsing for a gift, hoping to spot something that will just be perfect. So make a list of all the people you still need to buy for and what you can afford to spend on them.

“The good news is that while Black Friday is the highest-profile of the winter sales, it’s not the only one - several retailers run major discounts to shift their unsold stock right before Christmas. So it’s still possible to get a good deal in the days leading up to December 25th. 

“Some shops even run one-day sales on Super Saturday itself to try and make the most of the booming Christmas market, meaning you could end up with an even better deal than you would have got in November. If you wait even longer until just a few days before Christmas Day, you could still end up with a great deal, but risk running out of time and being left empty handed.

“Switching your mobile provider, bank account or credit card could also see you pick up a free or cheap present as a bonus, with brands offering gift cards, discount codes or cashback as incentives to switch. Just make sure you act quickly to get the rewards through in time. 

“Sadly, you also have to be on the watch for shops taking advantage of the last minute buying frenzy by hiking prices. No matter how rushed you are, it’s a good idea to use a price tracking site like PriceRunner to compare costs across different chains. Tools like this can help you spot price hikes and stop you paying over the odds.

“It’s also wise to take the opportunity to spend any unused gift cards you have lying around the house. Shops make millions from people buying gift cards as presents that are never used, thanks to the expiry dates on them. Make sure you redeem yours before they expire so you don’t lose out.

“You can also look for discount codes to bring the cost of your Christmas shopping down. Some major retailers offer 5-15% off your first purchase if you sign up to their newsletter, for example. You can use this discount to purchase what you need before unsubscribing.

“Meanwhile, reward schemes for retailers – such as the Advantage Card at Boots or the Beauty Card at Superdrug – offer points that you can use in store. If you’ve been scanning and collecting all year, you might be pleasantly surprised by how much you can pick up without troubling your bank account.

“When it comes to what you use to buy presents, purchases made on credit cards give you extra protection. If there’s a breakdown in the supply chain and you're not able to get a refund, you can claim the full cost of your items back from your credit card company under Section 75, as long the purchase value is between £100 and £30,000.

“Just make sure you pay off the cost inside the interest-free period if possible, to avoid having interest added on top of the cost of the presents themselves.

“You can use money.co.uk’s credit card comparison tool to compare deals from all the top providers by visiting: https://www.money.co.uk/credit-cards.htm

ABC Note: Do not borrow and spend. it will catch up with you in the new year. Avoid loan sharks at all costs. 

ABC Comment, have your say below:

FAILURE TO PAY MINIMUM WAGES - This is the thin end of the wedge. The reality is that many companies pay workers in cash and frequently below the minimum wage, in particular in the take-a-way food delivery business. It's common in practice. It has been reported to HMRC but their minimum wage department is massively overstretched. Don't count on anything being done anytime soon. 

 

 

• The Challenge Network - Liquidation 26 May 2020, Lambeth, SE1, failed to pay £154,682.33 to 3,600 workers.
• Mr Rupert Galliers-Pratt, Northumberland, NE43, failed to pay £64,094.37 to 7 workers.
• The Feel Good Group Limited, trading as The Tanning Shop, Darlington, DL1, failed to pay £34,738.83 to 355 workers.
• Belmont Day Nursery Ltd, Redbridge, IG1, failed to pay £31,599.90 to 11 workers.
• Hanmi Gallery Limited, Camden, W1T, failed to pay £28,999.51 to 8 workers.
• J E Beale Public Limited Company - Administration 20 January 2020, Bournemouth, Christchurch and Poole, BH1, failed to pay £25,005.67 to 1,177 workers.
• Nike Group Hotels Limited, trading as Coppid Beech Hotel, Bracknell Forest, RG12, failed to pay £24,862.62 to 138 workers.
• Mere Golf & Country Club Limited, Cheshire East, WA16, failed to pay £24,337.65 to 64 workers.
• Ewart Aberdeen Properties Limited (previously Dominvs Project Company Limited), trading as Crowne Plaza & Holiday Inn Express Aberdeen Airport, Aberdeen City, AB21, failed to pay £23,868.72 to 76 workers.
• Magnum Care Limited, Leicester, LE1, failed to pay £22,711.44 to 174 workers.
• Charles Hurst Limited, Belfast, BT12, failed to pay £22,546.84 to 42 workers.
• Yarr Ltd (active proposal to strike off), trading as Maryland Chicken, Leicester, LE5 , failed to pay £21,089.55 to 16 workers.
• Days Bournemouth Limited - Dissolved 13 April 2021, Bournemouth, Christchurch and Poole, BH1, failed to pay £18,473.51 to 9 workers.
• Clarenco LLP, Buckinghamshire, HP14, failed to pay £17,975.83 to 49 workers.
• Mitie Limited, Southwark, SE1, failed to pay £17,893.98 to 91 workers.
• Benla Limited, trading as The Best Fish and Chips, Lewes, BN10, failed to pay £17,159.85 to 1 worker.
• London General Transport Services Limited, trading as Go-Ahead London, Merton, SW19, failed to pay £16,316.91 to 101 workers.
• House of Fraser Limited (under new ownership), Bolsover, NG20, failed to pay £16,235.19 to 354 workers.
• The App Experts Limited, City of London, EC4N, failed to pay £15,317.92 to 65 workers.
• North West Transport Services Limited, Calderdale, HX6, failed to pay £14,633.31 to 5 workers.
• Kaye’s Hotels Limited, Wakefield, WF2, failed to pay £14,494.56 to 118 workers.
• UK Auto Wash Limited, Southwark, SE15, failed to pay £13,209.92 to 6 workers.
• Evans Dakota Services Limited (name changed to Dakota Hospitality Limited 1 February 2019), trading as Dakota Hotels, Leeds, LS11, failed to pay £12,413.57 to 29 workers.
• Greencore Food To Go Limited, Bolsover, S43, failed to pay £12,022.24 to 602 workers.
• Mitchell Potatoes Ltd, Rugby, CV23, failed to pay £10,682.09 to 10 workers.
• Carol Spinks Homecare Ltd, Cornwall, PL12, failed to pay £10,436.77 to 11 workers.
• Mr Abid Hussain, trading as B & H Car Services, Newham, E13, failed to pay £10,304.45 to 1 worker.
• L & M(Heating)Supplies Limited, North Northamptonshire, NN10, failed to pay £9,963.60 to 7 workers.
• B & S Healthcare Limited, Bristol, City of, BS3, failed to pay £9,866.02 to 99 workers.
• Tangerine Confectionery Group Limited, Blackpool, FY4, failed to pay £9,401.85 to 154 workers.
• Goldie Hotels (3) Limited, trading as Hallmark Hotels, Derby, DE1, failed to pay £9,335.76 to 59 workers.
• Sibford School, Cherwell, OX15, failed to pay £9,282.19 to 5 workers.
• Nourish Training Ltd, trading as CSP Recruitment, Leicester, LE1, failed to pay £9,262.27 to 81 workers.
• Blue Chilli Thai 2012 Ltd, Mansfield, NG18, failed to pay £9,103.22 to 1 worker.
• Hays Specialist Recruitment Limited, Kingston upon Thames, KT3, failed to pay £8,987.62 to 450 workers.
• Dilli Haat Limited, trading as Caraway, Redbridge, IG2, failed to pay £8,948.21 to 47 workers.
• Waterstones Booksellers Limited, Westminster, W1J, failed to pay £8,689.54 to 58 workers.
• Mr Daniel Jupe, trading as Ryde Tyres, Isle of Wight, PO33, failed to pay £8,569.92 to 1 worker.
• Mr Roy Anderson, trading as Andersons of Oldham, Oldham, OL4, failed to pay £8,449.30 to 3 workers.
• Decidebloom Limited, trading as Stoneacre Motor Group, Doncaster, DN8, failed to pay £7,882.37 to 73 workers.
• Mr M Dugdale, trading as Merevale Estate, North Warwickshire, CV9, failed to pay £7,684.02 to 43 workers.
• Ayesha Community School Limited, Barnet, NW4, failed to pay £7,678.93 to 13 workers.
• Du Beau Styling Limited, West Lothian, EH54, failed to pay £7,578.94 to 3 workers.
• Care UK Limited, Colchester, CO4, failed to pay £7,540.30 to 784 workers.
• Mrs Claire Traxon, trading as Early Adventures, Three Rivers, WD5, failed to pay £7,478.66 to 7 workers.
• Quad Joinery Contractors Limited, Gedling, NG4, failed to pay £7,223.25 to 1 worker.
• Mohammad Awais Arshad, trading as Tiny Steps Nursery, Manchester, M13, failed to pay £7,211.63 to 9 workers.
• Dental Decontamination Ltd, Fylde, FY8, failed to pay £7,158.70 to 3 workers.
• Mr Martyn Fowdrey and Mrs Catherine Fowdrey, trading as Equestrian Physiotherapy, Wealden, BN26, failed to pay £7,104.67 to 2 workers.
• ADL PLC, Leeds, LS7, failed to pay £7,051.92 to 29 workers.
• Site Electrics (Leeds) Limited, Leeds, LS10, failed to pay £7,025.81 to 2 workers.
• Inverhome Limited, trading as Morton Grange Nursery, North East Derbyshire, DE55, failed to pay £6,970.95 to 35 workers.
• Quadrate Catering Limited, trading as Marco Pierre White Steakhouse Bar & Grill, Birmingham, B1, failed to pay £6,824.85 to 78 workers.
• Julius Rutherfoord & Co. Ltd., Wandsworth, SW8, failed to pay £6,631.73 to 451 workers.
• Hand Car Wash Centre Ltd (under new ownership), Boston, PE21, failed to pay £6,622.38 to 4 workers.
• C T Services Group Limited, Bromley, SE26, failed to pay £6,568.93 to 52 workers.
• Chedgold Limited, Oldham, OL2, failed to pay £6,393.93 to 27 workers.
• Rad Limited, East Ayrshire, KA18, failed to pay £6,174.23 to 129 workers.
• Intalekt Holdings Limited, Pendle, BB9, failed to pay £5,819.25 to 23 workers.
• VVG Healthcare Limited - Dissolved 31 December 2019, trading as Valley Veterinary Group, West Berkshire, RG7, failed to pay £5,818.10 to 2 workers.
• Mr Charles Edward Bateman, trading as The Hunters Moon Inn, Monmouthshire, NP7, failed to pay £4,874.19 to 4 workers.
• Mr Robin Swain & Mrs Andrea Swain, trading as Seacroft Mobility, East Lindsey, PE24, failed to pay £4,843.56 to 13 workers.
• Centre Circle Event Management Ltd, Gravesham, ME3, failed to pay £4,825.55 to 126 workers.
• Dana Hand Carwash Plus Ltd - Dissolved 5 March 2019, Lancaster, LA1, failed to pay £4,823.28 to 4 workers.
• C. & J. Clark International Limited (Voluntary Arrangement), trading as Clarks, Mendip, BA16, failed to pay £4,811.38 to 106 workers.
• H RETAIL REALISATIONS LIMITED - In Administration, trading as (PREVIOUSLY HMV RETAIL LIMITED), City of London, EC4V, failed to pay £4,810.13 to 15 workers.
• Miss Susana Roderigues Brazao, trading as Fry Days Fish Bar, Wiltshire, BA14, failed to pay £4,797.39 to 1 worker.
• The Hayling College, Havant, PO11, failed to pay £4,595.13 to 1 worker.
• Liberty Child Care (Elgin) Limited, trading as Liberty Kids, Moray, IV30, failed to pay £4,543.49 to 1 worker.
• Elysium Leisure Limited, Colchester, CO1, failed to pay £4,406.59 to 64 workers.
• Prime Appointments Limited, Braintree, CM8, failed to pay £4,375.76 to 57 workers.
• Blood, Sweat & Beers Limited, trading as The Milestone, Sheffield, S3, failed to pay £4,278.10 to 3 workers.
• TCR (London) Limited, trading as Town Centre Restaurants, Enfield, EN3, failed to pay £4,227.26 to 53 workers.
• Broadway Travel Service (Wimbledon) Limited, Newcastle upon Tyne, NE6, failed to pay £4,200.89 to 6 workers.
• Mr Steve Ratcliffe and Mr Ronnie Bale, trading as Manchester Pets & Aquatics, Manchester, M12, failed to pay £4,058.37 to 6 workers.
• Careerlink Limited, Walsall, WS1, failed to pay £4,000.30 to 237 workers.
• SSGC Ltd, Swindon, SN3, failed to pay £3,884.89 to 102 workers.
• Joro Restaurant Limited, Sheffield, S3, failed to pay £3,865.72 to 4 workers.
• VDIT Solutions Ltd., Lambeth, SE21, failed to pay £3,859.25 to 3 workers.
• Clive Jones Motors Ltd (under new ownership), Cardiff, CF24, failed to pay £3,816.75 to 1 worker.
• Xenon Bulbs Ltd, Bradford, BD7, failed to pay £3,747.98 to 1 worker.
• Guy Bacon Electrical Limited - Dissolved 13th October 2020, Charnwood, LE7, failed to pay £3,673.92 to 1 worker.
• Crerar Hotel Group Limited, City of Edinburgh, EH6, failed to pay £3,670.71 to 44 workers.
• Shabani Ltd - Dissolved 2nd February 2021, Blackburn with Darwen, BB3, failed to pay £3,606.19 to 3 workers.
• Fusion Funkymen Limited - Dissolved, Brent, HA9, failed to pay £3,492.86 to 1 worker.
• Al Hashim Academy, Kirklees, WF17, failed to pay £3,414.14 to 1 worker.
• Dust In Time (N.E.) Limited, Sunderland, SR5, failed to pay £3,362.46 to 6 workers.
• Muzzy Foods Ltd (active proposal to strike off), trading as Maryland Chicken, Leicester, LE1, failed to pay £3,243.71 to 6 workers.
• Mr Edward Johnson, trading as The Kings Arms Hotel, South Lakeland, LA22, failed to pay £3,237.18 to 5 workers.
• KBM Training & Recruitment Ltd, Ealing, W3, failed to pay £3,159.79 to 1 worker.
• Muciqi HCW Ltd ACTIVE (active proposal to strike off), trading as Muciqi Hand Car Wash, Newark and Sherwood, NG24, failed to pay £3,104.64 to 17 workers.
• Crusty Cottage Ltd, Sandwell, B68, failed to pay £3,037.81 to 2 workers.
• Mr Awat Osman, trading as Birchills House Hand Car Wash, Walsall, WS2, failed to pay £2,985.84 to 2 workers.
• Blagreaves Hand Car Wash Limited, Derby, DE23, failed to pay £2,824.95 to 3 workers.
• Pennypot Dental Practice Ltd, Folkestone and Hythe, CT4, failed to pay £2,793.68 to 15 workers.
• SHCW Ltd - Dissolved, trading as Shiny Hand Car Wash, Preston, PR2, failed to pay £2,739.65 to 3 workers.
• Furniture Clinic Limited, County Durham, NE16, failed to pay £2,736.71 to 19 workers.
• Freshly Roasted Limited, trading as Madeleine, Birmingham, B1, failed to pay £2,684.94 to 44 workers.
• Apparel Trading Ltd, Leicester, LE5, failed to pay £2,671.01 to 51 workers.
• A S Green Limited, Herefordshire, County of, WR13, failed to pay £2,632.48 to 44 workers.
• Accor UK Business & Leisure Hotels Limited, Hammersmith and Fulham, W6, failed to pay £2,560.41 to 22 workers.
• Portland Vets East Grinstead Limited, Mid Sussex, RH19, failed to pay £2,470.32 to 6 workers.
• Assured Group Limited, Warwick, CV34, failed to pay £2,402.92 to 4 workers.
• Contemplation Home Care Limited, Havant, PO7, failed to pay £2,367.87 to 18 workers.
• Bonne Bouche Catering Limited, Ealing, UB6, failed to pay £2,345 to 23 workers.
• Lancashire County Cricket Club Limited, Trafford, M16, failed to pay £2,329.16 to 10 workers.
• The Bridal Room Wedding Services Limited, trading as The Bridal Room, Reigate and Banstead, RH2, failed to pay £2,314.79 to 8 workers.
• Homsub Limited, trading as Subway, Gosport, PO13, failed to pay £2,243.25 to 15 workers.
• Mr Yogesh Rishi, trading as Eston Fish Bar, Redcar and Cleveland, TS6, failed to pay £2,236.77 to 2 workers.
• Fortuna Focus Ltd, Worthing, BN11, failed to pay £2,206.93 to 4 workers.
• Yorkshire Dairy Goats, East Riding of Yorkshire, YO42, failed to pay £2,151.22 to 4 workers.
• London Care Limited, Westminster, W1U, failed to pay £2,148.87 to 8 workers.
• Mrs Chloe Cullen, trading as First Steps Nursery, Dumfries and Galloway, DG1, failed to pay £2,116.05 to 4 workers.
• Fiji Beauty Limited, Birmingham, B23, failed to pay £2,106.06 to 5 workers.
• Mr David Peter Reynolds, trading as Spixworth MOT Bay, Broadland, NR10, failed to pay £2,098.34 to 4 workers.
• Bell Decorating Group Limited, North Lanarkshire, ML6, failed to pay £2,095.20 to 6 workers.
• The Horstead Centre, Broadland, NR12, failed to pay £2,071.67 to 4 workers.
• Calor Gas Limited, Warwick, CV34, failed to pay £2,065.83 to 8 workers.
• Yourholidays.com Ltd (under new ownership), Luton, LU2, failed to pay £2,059.81 to 2 workers.
• B & S Decorators Limited, North Northamptonshire, NN14, failed to pay £2,055 to 1 worker.
• Duadata Limited, trading as Mooboo, Barnet, NW9, failed to pay £2,048.26 to 20 workers.
• Bambini Childcare Ltd, Nuneaton and Bedworth, CV12, failed to pay £2,046.24 to 11 workers.
• KKS Cards Ltd -Dissolved 10th November 2020, trading as Special Greetings, Stirling, FK8, failed to pay £2,001.22 to 2 workers.
• Leicester Motors Limited, Leicester, LE5, failed to pay £1,981.21 to 2 workers.
• The Corner Coffee Ltd, Haringey, N8, failed to pay £1,975.05 to 5 workers.
• Mr Aingaran Somasuntharam, trading as Londis, Tameside, OL7, failed to pay £1,951.98 to 14 workers.
• Small Wonders Day Nurseries Ltd, Chelmsford, CM3, failed to pay £1,931.33 to 2 workers.
• The Hair Revolution LK Limited - Dissolved 10th December 2019, Barnsley, S75, failed to pay £1,887.24 to 2 workers.
• Mr Martyn Young, trading as Martyn Young Heating & Plumbing, Amber Valley, DE56, failed to pay £1,868.12 to 1 worker.
• Prosalt Limited (previously Harry Ramsden’s Limited) - Liquidation, City of London, WC2A, failed to pay £1,866.08 to 159 workers.
• Mr Mahmood Raja, trading as Premier Stores, Tameside, OL6, failed to pay £1,847.89 to 1 worker.
• M&R Childcare Services Ltd - Dissolved 22nd August 2020, trading as First Steps Nursery, Angus, DD10, failed to pay £1,806.63 to 20 workers.
• New Best HCW Limited, Liverpool, L13, failed to pay £1,794.64 to 4 workers.
• Mackin Childcare Limited, Glasgow City, G13, failed to pay £1,733.51 to 14 workers.
• Boubou Limited, trading as Bobo Express, Sheffield, S1, failed to pay £1,731.52 to 1 worker.
• Mr David Collinson, trading as The Rose and Crown Hotel, Richmondshire, DL8, failed to pay £1,651.70 to 4 workers.
• Matalan Retail Ltd., Knowsley, L33, failed to pay £1,634.48 to 16 workers.
• Tutors and Exams Limited, Coventry, CV1, failed to pay £1,626.47 to 1 worker.
• Maple House Day Nursery Limited, trading as Rupert’s Day Nursery, Manchester, M23, failed to pay £1,575.60 to 6 workers.
• Sarah Hair and Beauty Limited - Dissolved 10th December 2019, Glasgow City, G43, failed to pay £1,571.32 to 2 workers.
• Hampshire County Council, Winchester, SO23, failed to pay £1,543.13 to 24 workers.
• Adams Leisure Limited, Colchester, CO1, failed to pay £1,513.51 to 15 workers.
• D D Exhibitions Limited, Bury, BL9, failed to pay £1,460.16 to 1 worker.
• Mr Mark Alan Hilder, trading as Coffee Junction, Hackney, N1, failed to pay £1,458.29 to 6 workers.
• Integrated Water Services Limited, Walsall, WS2, failed to pay £1,438.50 to 5 workers.
• Widley Hand Car Wash Ltd - Dissolved 13th October 2020, Havant, PO7, failed to pay £1,418.32 to 4 workers.
• Hollywood Nails 104 Ltd, Bassetlaw, S80, failed to pay £1,365.45 to 3 workers.
• Aurora Bars and Restaurants Limited, Ipswich, IP3, failed to pay £1,333.53 to 10 workers.
• Allicare Limited - Liquidation, South Norfolk, NR14, failed to pay £1,247.83 to 17 workers.
• Benny Distribution UK Limited, Bury, BL2, failed to pay £1,236.97 to 1 worker.
• Juventa 4 Care Ltd, Sheffield, S2, failed to pay £1,226.27 to 20 workers.
• Golden Sands Holiday Camp (Rhyl) Limited, trading as Golden Sands Holiday Park, Conwy, LL18, failed to pay £1,207.50 to 5 workers.
• Affinity Salons Limited, trading as Affinity Beauty Salon, Gosport, PO12, failed to pay £1,192.03 to 7 workers.
• Newton Abbot Indian Cuisine - Liquidation, trading as Naz Indian Cuisine, Teignbridge, TQ12, failed to pay £1,170 to 1 worker.
• Namara Foods Ltd, trading as Maryland Chicken, Leicester, LE4, failed to pay £1,135.35 to 6 workers.
• Pink Hippo Day Nursery & Pre-School Limited, East Devon, EX12, failed to pay £1,130.48 to 2 workers.
• Taylors Service Garages (Boston) Limited, Boston, PE21, failed to pay £1,110.74 to 3 workers.
• Mr Edward Mawdsley, trading as 3T’s Cleaning Services, Sefton, PR9, failed to pay £1,105.11 to 1 worker.
• Car Spa Glasgow Ltd, Glasgow City, G51, failed to pay £1,080.74 to 4 workers.
• King Street Chapel, Mid Devon, EX16, failed to pay £1,078.51 to 1 worker.
• Mr Osman Ali Mohammed, trading as York Hand Car Wash, York, YO31, failed to pay £1,064.88 to 2 workers.
• Little Polar Bear Ltd - Dissolved 24th September 2019, Colchester, CO2, failed to pay £1,062.48 to 4 workers.
• Assured Rest Hotels Ltd, trading as Glenridding Hotel, Eden, CA11, failed to pay £1,045.49 to 10 workers.
• Westland Nurseries (Offenham) Limited, trading as Westlands, Wychavon, WR11, failed to pay £1,039.38 to 23 workers.
• Border Heating Spares Limited, Newcastle upon Tyne, NE3, failed to pay £1,023.86 to 1 worker.
• Lincolnshire Quality Care Services Ltd, North East Lincolnshire, DN31, failed to pay £1,006.72 to 54 workers.
• Nursery Rhymes LLP, Bradford, LS29, failed to pay £989.72 to 12 workers.
• Café No 8 Bistro Ltd - in Liquidation, York, YO31, failed to pay £987.09 to 5 workers.
• Tennyson Catering Ltd - Dissolved 16th April 2019, Salford, M44, failed to pay £972.20 to 3 workers.
• Woods Hair Limited, trading as Chapters Hair Design, West Oxfordshire, OX28, failed to pay £901.56 to 2 workers.
• Mad Mobiles Limited -Dissolved 25th February 2020, trading as Go Mobile, Bristol, City of, BS3, failed to pay £884.17 to 1 worker.
• Mr Said Sellam, trading as Richmond Barbers, City of Edinburgh, EH8, failed to pay £865.05 to 3 workers.
• Mr Michael Davey & Ms Laura Samantha Kelly, trading as The Hair Lounge, Tameside, SK15, failed to pay £853.90 to 1 worker.
• Mr James Bushell, trading as James Bushell Hair & Beauty, Birmingham, B15, failed to pay £840.91 to 3 workers.
• Ideal Med Limited, Cheshire West and Chester, CH66, failed to pay £834.02 to 1 worker.
• Hope House School Limited, Newark and Sherwood, NG24, failed to pay £829.49 to 1 worker.
• Hellcat Ltd, trading as Hellcat Graphics, North Lanarkshire, ML6, failed to pay £824.32 to 1 worker.
• Schuh Limited, West Lothian, EH54, failed to pay £807.38 to 39 workers.
• Sparkley Hand Car Wash Ltd, Sandwell, B70, failed to pay £798.02 to 5 workers.
• Premier Forest Products Limited, Newport, NP20, failed to pay £797.70 to 2 workers.
• Rayan Car Wash Ltd, Leeds, LS12, failed to pay £785.67 to 4 workers.
• Pendragon PLC, Ashfield, NG15, failed to pay £779.11 to 1 worker.
• Wyeside Day Nursery & Out of School Care Ltd, Herefordshire, County of, HR1, failed to pay £773.68 to 6 workers.
• Bury (T2) Hairdressing Limited - Dissolved, trading as Tony & Guy, Bury, BL9, failed to pay £766.44 to 4 workers.
• Same Day 2 Go Limited - Liquidation, North Northamptonshire, NN8, failed to pay £742.14 to 2 workers.
• The Beauty Space Ltd, trading as Mrs Feelgood Beauty Salon, Southwark, SE22, failed to pay £697.47 to 2 workers.
• IMD Refrigeration Limited, Wyre, PR3, failed to pay £666.92 to 1 worker.
• Castle Car Wash Ltd, Tamworth, B77, failed to pay £661.38 to 2 workers.
• Mr Noble Patterson, trading as Pattersons Quality Car Specialists, Mid Ulster, BT70, failed to pay £652.08 to 1 worker.
• Mumbles Day Nursery Limited, Stafford, ST15, failed to pay £650.71 to 7 workers.
• Somercotes Stars Pre-school, East Lindsey, LN11, failed to pay £632.88 to 1 worker.
• Little Dessert Shop (ST) Ltd, Stafford, ST16, failed to pay £614.23 to 18 workers.
• Energy Care (UK) Limited, Bedford, MK45, failed to pay £611.18 to 1 worker.
• Mr Glen Ewing & Mr Michael Ranfey, trading as Greenaway Auto Electrical, Belfast, BT5, failed to pay £606.94 to 2 workers.
• C.P. Garage Services (Dundee) Limited, Dundee City, DD4, failed to pay £592.62 to 1 worker.
• Mr David Patrick, trading as D C Patrick Newsagents, Suffolk, IP19, failed to pay £565.48 to 10 workers.
• C & C Inns Limited, trading as The Chequers Inn, South Kesteven, NG32, failed to pay £562.55 to 1 worker.
• Merchants Manor Limited, Cornwall, TR11, failed to pay £552.92 to 87 workers.
• Contemplation Care Limited, Havant, PO7, failed to pay £539.62 to 5 workers.
• Mr Eamonn Boyle, trading as Ayrshire Towbar Centre, East Ayrshire, KA2, failed to pay £539.47 to 1 worker.
• OSR Recruitment Services Limited, Norwich, NR2, failed to pay £534.87 to 43 workers.
• Unique Employment Limited - Dissolved 16th July 2019, trading as Unique Hair, Bromley, BR1, failed to pay £532.17 to 1 worker.
• Nethercote House Limited, (previously trading as CAPULET SPA LIMITED), Derby, DE22, failed to pay £529.88 to 1 worker.
• Happy Days Out Of School Care Ltd., North Lanarkshire, G71, failed to pay £517.25 to 1 worker.
• Mrs Paula Ann Simper, trading as P and J Pets / Paulways Pet Resort, Ashford, TN27, failed to pay £516.78 to 1 worker.
• Blu Buddha Company Ltd, trading as Blu BBQ & Blu Buddha Thai, Ards and North Down, BT20, failed to pay £515.14 to 2 workers.
• Miss Zoe Linton, trading as The Green Room, Dundee City, DD1, failed to pay £507.09 to 3 workers.
• DMJ Ventures Limited, Darlington, DL1, failed to pay £506.60 to 1 worker.

ABC Comment, have your say below:

UNIVERSAL CREDIT CUTS - Do you want to fight the cuts says Unite. 

The chancellor has announced that in the coming weeks the taper rate will be reduced to 55p, which would mean that workers would take home 8p more of an extra pound earned. Also, the work allowances for eligible claimants will go up by £500 a year.

However if you don't have a job thats not much use. 

Unite Community is kicking off a whistle-stop tour of red wall seats. The first one was yesterday but it is starting properly next week.

	North East York and Humberside
01-Dec	Dewsbury	Market Place, Long Causeway/ Wakefield Old Road Junction	1pm – 3pm
06-Dec	Keighley	Low Street, Keighley	2pm – 4pm
06-Dec	Elmet & Rothwell	Garforth Town Centre	11am – 1pm
07-Dec	Blyth Valley	Blyth Market Square (Church end) Waterloo Road	11am – 1pm
07-Dec	North West Durham	Middle Street Consett	3pm – 5pm
08-Dec	Darlington	Pease Statue 43 High Row Darlington	11am – 1pm
08-Dec	Redcar	Blue Clock, High Street, Red car	3pm – 5pm
08-Dec	Morley and Outwood	Morley Town Hall, Queen Street, Morley	11am – 1pm
11-Dec	Shipley	Market Square Shipley	11:30am-2pm
13-Dec	Scarborough and Whitby	Brunswick Shopping centre	11am – 1pm
14-Dec	Scunthorpe	Outside Primark, High St, Scunthorpe	12pm – 2pm
15-Dec	Colne Valley	Bridge in front of Picturedrome, Market Walk Holmfirth	12pm – 2pm
15-Dec	Leeds	64 Briggate Leeds (opposite the body shop)	11am – 1pm
	East Midlands
09-Dec	Ashfield	By the big sundial, bottom of low street	10am – 12pm
09-Dec	Gedling	Near the front of Arnold Methodist Church 54 front St Arnold	1pm – 3pm
10-Dec	Bolsover	Market Place Shirebrook	10am – 12pm
10-Dec	Bassetlaw	Outside the Priory shopping centre Worksop	1pm – 3pm
	West Midlands
13-Dec	Birmingham Northfield	Northfield Shopping area, 738 Bristol Road	1-3pm
13-Dec	Walsall North	Outside the Saddler Centre Park Street Walsall	10-12pm
14-Dec	Stoke-on-Trent Central	Outside of the Potteries Shopping Centre Hanley	10-12pm
14-Dec	Newcastle Under Lyme	Outside the Guildhall High Street Newcastle town	1-3pm
	North West
15-Dec	Warrington South	Town Centre WA1 1XG	10am
15-Dec	Bury South	Barista Bury BL9 0PJ	2pm
15-Dec	Bury North	As above
16-Dec	Bolton NE	562 Blackburn Rd, Bolton BL1 7AL	2pm
16-Dec	Leigh	23 Bradshawgate, Leigh	10am
17-Dec	Heywood	Heywood Civic Centre Heywood, OL10 1LW	2pm

 ABC Comment, have your say below: