Are you getting paid less than minimum wage or living wage?

Are you getting paid less than minimum wage or living wage?

Most people who work are entitled to get paid at least the National Minimum Wage. This includes casual workers, people on zero hours contracts and agency workers.

There is also a higher rate called the National Living Wage. You should be paid this if you’re 25 or older and you’re entitled to the National Minimum Wage.

Your employer can’t fire you or alter your work to get around the National Living Wage. For example, they can’t take work that you've been doing away from you and give it to someone under 25 to avoid having to increase your wage. If you think your employer has changed your job to get around the minimum wage, it's worth getting advice.

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Working people now rely on Universal Credit to make ends meet

By the time it is fully rolled out in 2022, more than half of the 7.2 million households claiming Universal Credit will be in work. 3.9 million working families moving onto Universal Credit will face changes and challenges when they do so. New analysis from Citizens Advice finds some workers may struggle to achieve financial stability on Universal Credit - particularly those affected by cuts made to the benefit since 2015 and those in less traditional forms of work.

These two reports explore the changes to people’s work incentives on Universal Credit and the specific issues for those in non-traditional work. They also look at ways these problems could be addressed to make the new benefit fit for purpose in the modern labour market.

Read the reports here

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Whoever you are, whatever the problem

We’re delighted to announce that we’ve added speech, reading and translation support to our website with Browsealoud.

This innovative tool from Texthelp helps the millions of people out there who struggle to access and understand information online.  In the UK, over 12 million people have print disabilities such as dyslexia, low literacy, mild visual impairment and over 8 million people were born abroad so speak English as a second language.

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Dealing with a letter saying bailiffs will visit

Dealing with a letter saying bailiffs will visit

If you haven’t paid a debt you might be sent a letter from bailiffs (also called  ‘enforcement agents’) saying they will visit your home to collect payment.

Don’t ignore the letter - this is called a ‘notice of enforcement’. If you do the bailiffs can visit your home after 7 days. As well as collecting payment for the debt they can charge you fees so you could end up owing more money.

There are things you can do to stop them coming if you act quickly.

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Need help making your Universal Credit claim?

Need help making your Universal Credit claim?

Universal Credit works differently from other benefits - so if you’re moving from another benefit it’s important to know the differences.

Citizens Advice Manchester has a dedicated team who will help you make your initial claim online for Universal Credit. The team are delivering sessions at the following locations.

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Universal Credit is complex. We have advice on how it works

Universal Credit is complex. We have advice on how it works

Universal Credit is being introduced across the UK in stages. It will replace 6 ‘means-tested’ benefits - these are benefits you can get if your income and savings are below a certain level.

Whether you should apply for Universal Credit instead of one of these benefits, depends on where you live and your circumstances - check if you can apply.

Universal Credit works differently from other benefits - so if you’re moving from another benefit it’s important to know the differences.

The biggest differences are:

  • you can get Universal Credit if you’re unemployed but also if you’re working
  • you’ll get a single payment each month, rather than weekly or fortnightly
  • instead of getting a separate housing benefit, your housing costs will be paid directly to you as part of your monthly Universal Credit payment
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