Tag: advice

Everything you need to know about getting a mortgage during Covid-19

Covid-19 is impacting many families and individuals in very different ways. But with so many of us spending more time at home than ever before, many people are thinking about whether they can move or extend to gain more space, or just taking advantage of lower interest rates.

The housing market is now opening up and rates are changing yet many people are unsure about whether mortgages are available for them.

TSB’s Head of Mortgages, Nick Smith answers some important questions on getting a mortgage in the current environment: 

Can I still get a mortgage in the current environment?

Yes, you can. However, getting a mortgage really depends on individual circumstances. Think about your personal situation – is your income sustainable? Are you happy with the deposit you’ve built?

If you’re planning to get a mortgage, speak to your lender or broker openly about your financial situation and they will be able to advise on the best options for you.

Can I physically view properties?

Estate agents are opening up and you should be able to do physical viewings in England. But in Scotland, Northern Ireland and Wales viewings are not yet permitted.

If you’d prefer an electronic viewing – speak to your agent, they can likely help you, although for many people, nothing can replace the sense of space and perspective you get from being physically in the property.

Can I get a valuation or survey done on a house I want to buy?

Yes, most lenders are now conducting physical valuations where electronic valuations have not been possible.

Most surveyors will be taking their precautionary measures with full PPE equipment, therefore ensuring the homeowner’s safety as well as their own.

However, more and more lenders are using electronic valuations, which are very accurate and can be done very quickly. Remember – the valuation done by your mortgage lender is to satisfy themselves that the house is a good security for your loan.

I’d always advise when buying a new house that you consider a more detailed survey for your own benefit and peace of mind. The RICS consumer guide to home surveys on their website is a useful guide to your different options.

Are first time buyers impacted more than second time buyers?

No, they’re not. It really depends on how much equity you have either as a first-time buyer or those remortgaging/buying a second property.

If you’re looking to remortgage just remember you don’t have to move to a new bank/lender. All major providers will offer a product transfer which means that you can move to a lower rate.

Is there anything I need to be aware of when applying for a mortgage in this environment?

There are a few things to bear in mind. Crucially, it’s important to think about your financial situation. Has your income changed recently? Will you be able to make payments now and in the future? When speaking to your lender/broker, provide as much information as you can about your income. Ultimately, they will want to protect you as much as possible, so that you can comfortably meet your payments and not find yourself in a financially vulnerable position.

For example, consider the following when speaking to your mortgage advisor: have you been working more overtime than normal lately? Will this continue in the future or will your hours and overtime reduce?

Most lenders will lend to those who have been furloughed but each lender will have their own lending criteria. Your mortgage advisor will be able to help with the best options for you. For more complex income circumstances, a specialist mortgage broker will be able to talk through your options.

The physical process of buying a house has also changed very slightly – there will be more social distancing for example and so it is likely a mortgage meeting will take place over the phone rather than face to face.

A mortgage meeting over the phone is easier to book in whereas face to face is a little more difficult at the moment. The Government has recently issued detailed guidance on how house viewings should be conducted with social distancing in mind.

With the rapid market changes, we’ve also seen banks responding very quickly and reintroducing higher loan to value products. At the moment, most banks have reintroduced lending up to 85% of the value of the property – so there are more mortgages becoming available again for those with a 15% deposit. Do your research and speak to your advisor about the best mortgages for you.

If I’ve been offered a mortgage is my bank obliged to offer it if my circumstances change?

No, they’re not. Offers can only be withdrawn under certain limited conditions but this includes a change in income. If your circumstances change, speak to your lender or broker as soon as possible.  It’s important to remember that they will always want to ensure you can afford repayments now and in the future and they will work with you to find the best options for you.

I’m thinking about enlarging my home to create more space – how do I get a mortgage for this?

You have three options to consider, and the best option for you will depend on a number of things, such as how much additional money you need to borrow, how much your house is worth, and whether your current mortgage is still in a period where early repayment charges apply.

Option 1: would be to speak to your existing mortgage provider about a “Further Advance” – essentially borrowing more money on your existing mortgage. This is likely to be the quickest option to get funds in your bank account, as there’s no change in lender, but you should weigh up both the convenience and the cost, as it won’t necessarily be the cheapest option.

Option 2: would be to move your entire mortgage to a new lender under a remortgage process, taking additional borrowing as part of your application. If you want to take this option, be careful to speak to your existing lender about any early repayment costs associated with your current mortgage.

Option 3: would be to take out what’s known as a “second charge” loan – this is where a new lender advances you the money, accepting that if you default on your mortgage and your house is repossessed, they only get funds from your property once the first-change lender (i.e. your main mortgage) has recovered their debts. As a result, these are usually more expensive interest rates, and are less common in the market.

If the above options don’t appeal, or if you don’t have much equity in your property, you could also consider an unsecured loan.

Whilst interest rates are usually higher than on mortgages / further advances, there is some flexibility in taking a separate unsecured loan, as long as you can afford both payments, and most mainstream lenders will offer up to anywhere between £25k and £50k as their maximum unsecured loan amount.

Do note though, repayment terms are usually shorter, so these will almost always have a higher monthly repayment.

I’m not feeling confident about buying in the current environment, what should I do with my deposit?

If you’re feeling uncertain about buying a house right now, think about when you believe you might feel ready. When thinking about where to put your hard-earned deposit, consider whether you really want it tied-up.

If there’s a chance that you might find somewhere you would love to buy in six months, then putting your deposit in a longer fixed-term savings account, where you might forfeit interest if you withdraw early, probably isn’t the right thing to do, even if it has a slightly better interest rate.

Equally, you should think very carefully before moving any of your deposit into stocks, shares or funds, where the value could go down as well as up – what if the value has decreased at a time you want to buy? Would that be a problem for you?

If so, now probably isn’t the time for that sort of investment. Speak to your bank about your options, they can assist and talk you through what is suitable for you and your circumstances.

Nick Smith, TSB’s Head of Mortgages, concludes: “The market is changing rapidly and we are seeing some confidence grow in the housing market, which will be welcome news for those eager to buy a new home or to remortgage.

“There are mortgages available, but you will need to remember to do your research and have open discussions with your mortgage advisor.”

 

Police advice for business owners

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Advice for Business Owners

#COVID19 has had an unprecedented effect on public health and the way we now socially interact. This has had a significant impact on the commercial sector.We would like to share some general crime prevention advice that may help and assist you during what is an uncertain time for all businesses.

The impact on business will vary and will naturally be defined by your business location, size, customer base, products and services offered, criminality in the area, and your existing levels of security.

If your staff fall victim to an assault or witness violence in your premises:

  • Try to remain calm and think of your safety and that of others.
  • If the perpetrator has left the premises, record accurate descriptions, including any vehicles used, and report this to the police as soon as possible.
  • Trust your instincts and maximise distance between yourself, customers, colleagues and any aggressive parties.
  • Use panic alarms if it is appropriate to do so. If there is a panic alarm installed use it, but only when safe to do so.
  • Consider the use of body worn video technology to capture evidence and positive impact the behaviour of those involved in violence on your premises.
  • Closed Premises/Venues that have been temporarily shut:
  • Test your intruder alarm, ensure it is working and fully operational.
  • Identify any vulnerable areas and rectify this if required.
  • Ensure security gates, bollards and fire exit doors have been secured prior to closure of the premises.
  • Ensure service doors are closed and locked when not in use.
  • Make sure you have list of key holders who can be contacted in times of emergency and ensure your contact details for staff are up to date.
  • Consider moving high value items into secured stockrooms and/or out of view.
  • Ensure keys to the premises or other venues are not left inside and are instead with dedicated key holders.
  • Consider timer switches or ensure sufficient lighting is left on at the premises/surrounding area.
  • Ensure there are no combustible materials left in the proximity of the building such as packaging – consider the risk of fire.
  • Review your CCTV to confirm it is operational, provides good quality images, and is positioned to cover as much of the building’s public and private areas as possible.
  • Ensure that no cash or valuables are retained on the premises overnight and leave a note indicating this on the door or window of your premises. If having to retain cash on site then do so using a security accredited safe bolted or ‘ground anchored’ to the floor.
Physical Protective Measures:
  • Use security rated products where possible. You can find information on a variety of police approved crime prevention products at www.securedbydesign.com
  • External shutters and grilles are recommended but some buildings may be subject to local authority planning approval before installation.
  • Ensure all doors leading from public to staff, service, and loading areas are kept secure and monitored.
  • Consider installation of laminated glass or apply security film to existing glass to make your windows more resistant to physical attack.
  • An insurance rated safe should be bolted to the floor. Anti-tamper sensors can be fitted to set off an alarm if attacked.
  • Anti-ram security tested (retractable) bollards can be mounted externally to protect frontages but may require local authority planning approval.
  • Consider use of anti-theft alarms on most desirable household items.
  • Fogging devices that activate as a result of an intruder activation may also be beneficial – you can’t steal what you can’t see.
Large gatherings/Queuing:
  • Premises should be adequately staffed with prominent management present who can make decisions or be identifiable to emergency services.
  • Consider an allocation system or queuing to provide items that are provided on a limited basis – or possible keeping these off shop floor for collection.
  • “Meet and Greets” on main entrances provide reassurance, customer care and can be a subliminal message to any prospective thieves.
  • Where possible SIA licensed security officers should have a visible presence on the premises in strategic areas.
  • All prominent / desirable household item areas should have a member of staff regulating them and depending on your risk assessment, consideration given to deploying security (or trained staff) into these areas.
  • Reassurance to customers, some of whom may be anxious, is key to reduce anti-social behaviour. Ensure that all staff are fully briefed each day, on emergency procedures and working practices.
  • All staff should remain vigilant and report any violence or suspicious activity to the police.
  • Consider minimising the number of entry points to your building in concert with fire exits.
  • Ensure building perimeters are clear of any debris, dustbins, ladders or loose tools and equipment that could be used to assist or force entry.
  • Check that your emergency equipment/grab bags, first aid supplies and radio communication systems are well equipped, maintained, and fully operational.
  • Check and test your building security and emergency systems regularly.
For further advice contact your local police station, local Crime Prevention Officer at EdinburghPreventandIntervent@Scotland.pnn.police.uk, or visit our website at www.scotland.police.uk

MSPs call for significant changes to debt solution

Holyrood’s Economy, Energy and Fair Work Committee has published a report on protected trust deeds citing that changes are needed to make the debt solution more effective in supporting people who are in debt.

A protected trust deed is one of three statutory debt solutions in Scotland. It involves a debtor’s assets being managed by an insolvency practitioner for the benefit of the creditors for a four-year period. During this time, part of the debtor’s income is paid to the insolvency practitioner.

Last year around 8,000 people entered a protected trust deed, 150,000 people sought debt advice and, beyond that 600,000 adults are considered to be over-indebted in Scotland.

Amongst its calls within the report, the Committee asked for changes to the way fees are charged in protected trust deeds. The current rules can see debtors making contributions but not reducing their overall debt levels for at least the first two years.

Committee Convener Michelle Ballantyne MSP said: “Now more than ever people’s finances will be feeling the strain, and some will be contemplating seeking help to clear their debts.

“A debt solution should work in reducing that person’s debt. We heard evidence which showed that fees were being frontloaded resulting in the overall debt not lowering despite payments being made. This needs to change.

“The Committee welcomes the Scottish Government’s commitment to conduct an overarching debt review. However, it is incredibly important that the Scottish Government listen to the Committees recommendations to ensure that protected trust deeds act as an effective debt solution and debtors are safeguarded from the potential harm that can be caused when things go wrong.”

The Committee also heard evidence that online advertising and social media campaigns can target people in debt, offering a solution which is not always suitable for their circumstances.

Michelle Ballantyne MSP added: “People in debt must receive the right help and advice and not choose a solution based purely on what they saw on social media that day.

“The Committee recommends tighter regulations on online advertising and believes that free independent money advice would help ensure that people make the decision right for them.”

There are three statutory debt solutions in Scotland:

Bankruptcy – All of the debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will also be required, where appropriate. Almost all outstanding debts are written off at the end of the four-year period, allowing the debtor to become debt free.

Debt Payment Programme under the Debt Arrangement Scheme – Debtors make payments over an extended period of time to pay off their debts. It can last for any “reasonable” time period, but the average is around seven years. Debts are not written off, so the scheme is only available to those who can repay in full over the length of the scheme.

Protected Trust Deed – As with bankruptcy, a debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will have to be sufficient to pay the trustee’s fee and provide a return to creditors. Protected Trust Deeds are seen as offering more flexibility than bankruptcy.

Informal debt solutions – Most debtors negotiate informally with their creditors to make lower repayments. These arrangements can be unstable, and do not prevent creditors from taking action to enforce their debts if they think they should be paid more.

The published report can be found here.

Are you struggling to manage debt? Free, independent advice is available. Granton Information Centre’s office on West Granton Road is currently closed to the public, but they at still here to support you.

If you have money worries, employment concerns or housing issues, or if you are claiming benefits for the first time and find it all very complicated, contact Granton Information Centre and speak to an adviser:

Telephone 0131 552 0458 or 0131 551 2459

Email info@gic.org.uk

Granton Information Centre: here to help.

Money worries? Financial support and debt advice available

29% of people in Scotland report being worried about their finances having already felt the negative impact of Coronavirus.

People in Edinburgh facing financial difficulty as a result of the Coronavirus outbreak are being encouraged to seek guidance on the help available to them.

Research commissioned by the Scottish Government in partnership with YouGov has revealed that nearly a third of people across Scotland (29%) have already felt the financial strain of the current Covid-19 outbreak and are worried about its impact.

The survey of over 1000 respondents also shows that 71% of people in Scotland are concerned about the lasting impact on their finances.

These findings follow the launch of a new campaign by the Scottish Government and the Citizens Advice network that aims to raise awareness of the financial support available to people in the Capital.

The campaign provides information and advice on issues including rent and mortgage payments, energy bills, council tax, and benefits people may be entitled to.

People throughout Edinburgh are able to access this advice online, by contacting their local Citizens Advice Bureau or getting in touch with any of the capital’s independent advice providers including Granton Information Centre and CHAI.

Cabinet Secretary for Communities and Local Government Aileen Campbell said: “There is no doubt that this is a difficult and worrying time for everyone. Today’s findings further underline the need to provide people across Scotland with the correct support, guidance and information to help them with their finances.

“We need to ensure that people are aware of the support that they are entitled to from the DWP and I would encourage everyone across Scotland who is facing financial difficulty to look into what additional help is available to them.

“That’s why we’ve been working with the Citizens Advice network in Scotland to create this central source of information – with everything from guidance on benefits, right through to what you can do if you are worried about paying your mortgage or rent.”

Adam McVey, City of Edinburgh Council Leader, said: “Work has been ramping up across Edinburgh to make sure our hardest hit citizens get the help they need. From welfare, council tax and debt support for those facing financial hardship, to food supplies for our most vulnerable families, we’ve been pooling resources to direct help to those who are in crisis.

“Our five Council Resilience Centres are providing a base for officers to work from so that they can target online and phone support for those facing hardship or worried about homelessness. And we’re building up a picture of how our most at-risk residents are impacted, so that we can develop longer-term measures through the Edinburgh Poverty Commission.

“It’s going to be so important that we work together to tackle poverty and, in these uncertain times, we know financial worries will weigh on people’s minds. Don’t suffer alone. Know that help is available and get in touch with Citizens Advice or our own Advice Shop for help.”

The Citizen’s Advice network website features dedicated COVID-19 content along with a telephone helpline. Those who have been financially impacted by the coronavirus outbreak and require free, confidential, financial support, can visit cas.org.uk or call 0800 028 1456.

Local Citizens Advice Bureaux are situated around the country. To find your local service, simply enter your postcode at cas.org.uk/bureaux
Free, professional help is also available from Granton Information Centre and Community Help & Advice Initiative (CHAI) who, along with Citizens Advice Edinburgh, deliver debt advice across the capital.
For more information, check out the city council’s advice pages on welfare support, financial worries and debt information.

Edinburgh Police: Stick with the guidance and stay at home

Chief Superintendent Sean Scott has asked everyone in Edinburgh to stick with the guidance to stay at home as part of the collective effort to slow the spread of #Coronavirus.

He said: “Across Edinburgh, we have seen people playing their part, engaging with our officers and complying with the guidance in place to protect the NHS and save lives.

“The restrictions in place have not changed and we need everyone to continue engaging and co-operating with us.

“We are still here for you. If you need to report a crime or you have concerns about someone who may be at risk of harm, please let us know. We will help.”

The latest information on interventions by Police Scotland, including a divisional breakdown, is available here ➡️ http://ow.ly/2NjG50zAU32

#StayHomeSaveLives 🏠

Police issue vehicle crime prevention advice

There has been a slight rise in thefts from motor vehicles and theft of motor vehicles in Edinburgh. Here’s some advice on how to prevent these:

Despite modern locking systems on vehicles, some criminals do manage to overcome them by using devices bought legally and relatively cheaply on the internet. All of which work by affecting the radio frequency imitated by the key fob / device, enabling vehicles to be stolen despite owners having possession of the key(s).

Key and Fob

The majority of vehicles are accessed by a combination of traditional key and fob remote. The fob tending to be used more frequently than the key, due to the convenience of simply pushing a button. However, criminals can block the radio signal between the fob and vehicle, using a signal blocker.

You press your fob and walk away as normal thinking the vehicle is locked. But it isn’t!
Once inside your vehicle, thieves can remove any items they like or drive it away by plugging a re-programing device into the on board diagnostics port and program a key, which may only take seconds.
Preventative measures:
• Physically checking the vehicle is locked and checking ALL the doors
• Using the traditional key to lock up
• Make sure the key and any spares are stored securely and safely
• Consider using a steering lockKeyless Vehicles
Keyless vehicles automatically lock / unlock depending on the proximity of a key device, which is usually no bigger than a bank card. The system operates via radio signals passed between vehicle and key device. These signals can be intercepted by criminals.

Keys constantly emit a signal, (at times even detectable from within a building), which can be picked up by anyone with an appropriate transmitter relay device.
The signal is relayed back to the vehicle, which unlocks and allows the start button to work and once away from the scene of the crime, a new key can be programmed via the OBD port.

Preventative measures:

• Keep your key device in a Faraday pouch (see picture above ), which has a lining that prevents the items inside from receiving or transmitting radio frequency signals.
• Check vehicle doors are locked before walking away
• Do not store keys near windows or doors
• If you buy a second hand keyless car, get the key reprogrammed
• Make sure the key and any spares are stored securely and safely
• Consider using a steering lockGeneral advice:

• Do not leave any valuable items in the vehicle- if left on show they will encourage thieves to break in. Please note areas such as glove boxes and under seats are not secure and not suitable for the storage of valuables.
• Consider using a steering locks a visible deterrent to thieves – someone who is so obviously conscious of security is less likely to leave valuable in a vehicle.
• Avoid parking in dark, secluded areas, choose locations that are well lit and over looked by houses, passers-by and covered by CCTV if possible.

Disability groups call for urgent changes to benefits system

The Disability Benefits Consortium (DBC), a network of over 100 organisations, have written an open letter (below) to Thérèse Coffey, Secretary of State for Work and Pensions to call for urgent changes to the benefits system to ensure we protect disabled and seriously unwell people from further physical and financial harm during the covid-19 emergency.

Full details of these proposals can be found in the DBC reports section.

“Dear Secretary of State,

Covid-19 – the Disability Benefits Consortium’s proposals for additional short-term measures to protect disabled people’s incomes

The Disability Benefits Consortium (DBC) is a network of over 100 organisations with an interest in disability and social security. For our full list of members, see https://disabilitybenefitsconsortium.wordpress.com/dbc-members/

Using our combined knowledge, experience and direct contact with millions of disabled individuals, people with long-term health conditions and carers, we seek to ensure that Government policy reflects and meets the needs of all disabled people.

The DBC welcomes the recently announced measures designed to protect the incomes of large numbers of people whose livelihoods have been adversely impacted by the Covid-19 crisis. But we believe that these support measures need to go further.

People living with a disability and those with long-term health conditions tend to have lower real incomes and higher costs than the general population and we are calling on the Government to produce a more comprehensive package of support, to better protect these individuals and their families, at this difficult time.

1. One of the most pressing issues is the current level of demand on the system due to the unprecedented number of new claims. This is causing extremely long waiting times and problems with the digital claims process. We welcome the commitment to expand the Department’s capacity, but the challenge remains considerable. We believe that the Government should give high priority to resolving urgently the technical and capacity issues involved.

Also, clear guidance must be made available (to the public and to staff) regarding the correct process to make both a digital claim for Universal Credit (UC) and a non-digital claim, including how the verification call is to be made – that is, if outbound from the DWP rather than inbound from the claimant.

2. The increase in the UC standard allowance is very welcome, helping to cushion the financial shock, which many will experience. However, other claimants likewise face financial challenges, especially after several years of a benefit freeze. We recommend that the Government should give a corresponding uplift of “legacy” and similar benefits – including, for Employment and Support Allowance (ESA), the restoration of the Work-Related Activity Group (and UC equivalent Limited Capability for Work) addition.

3. We believe that artificial limits that keep many households (mainly with children) below basic benefit levels are particularly inappropriate at this time. We recommend that the Government should suspend the benefit cap and the “two-child policy”.

4. Any Working Tax Credit (WTC) claimant who loses their job over the coming few months will not be able to continue claiming WTC and will have to claim UC instead. This means they will lose Transitional Protection (TP). As you know, this is a temporary top-up payment that would have been added to their UC to offset any losses, when the DWP eventually transferred them from WTC – but it is not payable when you move to UC because of a change of circumstances, such as job loss.

Disabled people in work and parents of disabled children stand to lose far more than most people if they lose TP – sometimes amounting to thousands of pounds a year. This will make it even more difficult for them to recover from the economic shock of the next few months.

The recommendation above to restore the Limited Capability for Work Addition to UC will help, as long as these claimants can retain it in their UC calculation up to and after they return to work.

Also, we recommend that the lower rate of the disabled child element of UC should be restored to its level in the legacy system.

5. New claimants for UC will have to wait at least five weeks until they receive their first payment. We know that this can mean people face a significant reduction in income, leading to worry about how to pay bills and buy food. The DWP offers an “advance payment”, in effect a loan deducted from future payments, which can leave people struggling to make ends meet. We recommend that the Government should make all UC advances for disabled people non-repayable grants.

6. There has been no formal indication that work-related conditionality has been suspended, although it is difficult to see how it could be meaningfully applied in present circumstances. We recommend that the Government should explicitly suspend work-related conditionality and associated sanctions.

7. Currently, 1.3 million claimants have deductions made from their UC payments to pay debts – over half of them losing 20% or more of their basic allowance. We recommend that the Government should suspend all debt repayment deductions from UC, to ease financial hardship for the duration of the current crisis.

8. It is very important that, during this epidemic, people living with a terminal illness have swift access to benefits via the Special Rules for Terminal Illness. It is our understanding that under UC, people with a terminal illness will temporarily be able to apply via the Special Rules without the DWP needing sight of a DS1500 form (a form signed by a medical professional to say that the person has a reasonable expectation of death within six months). If this is the case, then this is a very welcome step. We recommend that the Government should extend this provision to other benefits which can be applied for under the Special Rules: ESA, Personal Independence Payment and Attendance Allowance.

There are further measures that the Government could take that are likely to have an impact on those living with a disability and in need of benefit support at this time, including:

9. As medical professionals come under more pressure over the coming weeks it is unreasonable to expect they will be able to provide medical evidence to support a claimant’s benefit application. We recommend that the Government should extend the time requirements for claimants to return paperwork and to gather medical evidence where necessary.

10. Similar pressures are likely to slow down the Mandatory Reconsideration (MR) process. This will mean people could be receiving less financial support than they are entitled to. We recommend that the Government should pay the basic/ standard rate to claimants whose benefit is suspended pending MR, until the process is completed – and also, fully reinstate a benefit that has been wholly or partly withdrawn and is awaiting MR or an appeal.

11. Help to pay council tax is also crucial at this time of acute financial pressure. We recommend that the Government should encourage Local Authorities to remove features such as the two-child policy and the self-employed claimants’ Minimum Income Floor from their local Council Tax Support/ Reduction schemes. Some have simply copied these rules automatically from DWP benefits, possibly without fully appreciating their adverse impact where claimants are struggling.

We hope that, when something like a normal life returns, the support package as outlined above, which suggests achievable and positive temporary improvements, to be introduced in response to a crisis, might prove a focus for longer-term policy discussion.

Meanwhile, we commend to the Government the above proposals to make immediate changes to complement the emergency measures already taken.

In view of the widespread public interest in the current emergency measures, we shall be releasing these proposals to the media.

Yours sincerely,

Disability Benefits Consortium”

Local help is available if you are experiencing problems with your benefits.

Granton Information Centre provides a free and confidential service. Telephone 0131 551 2459 or 552 0458 or you can email info@gic.org.uk

The office is closed to the public, but the service is very much running!

PIP claims plummet but help is at hand

New claims for PIP have plummeted by more than half since the beginning of the coronavirus crisis, the work and pensions committee was told last week.

At the committee session, Justin Tomlinson, minister for disabled people, stated: “We have seen a significant drop in the number of new claimants. We’re not totally sure why.

“But in January 51,000 new claimants in the month. At the beginning of March it was around about 12,000 a week, that’s now down to 5,000 a week as of last week.

Mr Tomlinson also stated that although there were fewer staff now available to deal with disability benefits, new claims for PIP were actually going through more quickly, partly as a result of a switch away from face-to-face assessments and partly due to a drop in the number of claims.

He said the average length of time from the beginning to end of the process has actually improved.

If you are experiencing problems with a PIP claim or need benefits advice Granton Information Centre can help. Due to the Coronavirus restrictions the office is currently closed to the public, but GIC is still operating!

Please call Monday – Friday, 9.30am – 4pm on 0131 551 2459 or 0131 552 0458 if:

•You would like to arrange a telephone appointment to discuss money, benefits, housing or debt
•You wish to discuss an existing case
•You require a foodbank referral

All messages will be returned as long as you clearly leave a telephone number for us to reach you on.

Emails will be monitored daily – our email address is info@gic.org.uk

Public encouraged to be vigilant and report scams

MSP for Edinburgh Pentlands, Gordon MacDonald, has encouraged people in the capital to be aware of scams and fake news following an increase in reports across Scotland about scam emails, text messages, and doorstep callers.  

Across the UK there is evidence fraudsters are increasingly targeting members of the public, as well as organisations of all sizes, with emails, texts, telephone calls, social media messages and online shopping scams relating to the outbreak.

Police Scotland have now launched a new Shut Out Scammers resource to protect the public and businesses from COVID-19 related scams. The UK’s National Cyber Security Centre (NCSC) has also launched an email reporting service, which the public can use to report any suspicious activity.

SNP MSP Gordon MacDonald said: “While the community response to the coronavirus outbreak across Edinburgh has been overwhelmingly positive, it’s disappointing to see a few individuals taking advantage of the situation with unsolicited emails, phone calls and text messages.  

“During this coronavirus crisis, everyone should take extra care to ensure that they only share information from trusted sources, ask for identification from all doorstep callers, and never hand over any personal information. 

“It’s vital that people in our capital remain vigilant against scams during this challenging time and report any suspicious activity to the relevant authorities.”

Across the UK we are seeing evidence that fraudsters are increasingly targeting the public and organisations with emails, texts, telephone calls and WhatsApp messages offering advice and treatment for the coronavirus.

They are setting up fake websites selling products and offering ‘cures’ or testing kits. Scammers have also been setting up bogus websites asking for donations for victims or promoting awareness and prevention tips. Cold callers have been contacting organisations suggesting they must have specific measures in place by a certain deadline.

To help members of the public protect themselves from becoming a victim of fraud:

  • Be vigilant and on guard if someone turns up unexpectedly
  • but don’t rely on them. Identity cards can be faked – phone the company to verify their identity
  • Never let people try to persuade you to let them into your home even if they are asking for or offering help – they may not be genuine. If someone is persistent, ask them to call at another time and arrange for a friend or family member to be with you
  • Don’t feel embarrassed – genuine callers expect you to be careful
  • Never provide any personal data such as your full name, address and date of birth – scammers can use this information to steal your identity
  • Don’t keep large amounts of money in your home
  • If in doubt, don’t answer the door.
  •  Never feel pressured into making a decision on the spot. Any legitimate trader/helper will be happy to return at a later date
  •  Never be afraid to say ‘No thank you’ and close the door
  •  Be sceptical if you receive an email, text or WhatsApp message about the Coronavirus, and never click on any attachments or links
  •  Don’t allow yourself to be pressured into donating money, and never make donations by cash or gift card, or send money through transfer agents such as Western Union or Moneygram
  •  Remember, it’s your home. There’s no reason why anyone should ever enter your home against your wishes.

    Who can help me?

    To report a crime call 101 or in an emergency 999.

    If you have concerns about a purchase that you have made, contact Advice Direct Scotland on 0808 164 6000. – www.advice.scot

    Further information on dealing with scams and fraud is available from our partner sites, who can offer further information, support and advice: