Community Money Matters
I am Ripon Ray - a debt & money expert. This blog captures the spirit of my work. I am trying to incorporate my written journalism, weekly radio shows & YouTube, podcasts and campaign work in the context of money and debt issues.
Thursday, 16 August 2018
Wednesday, 15 August 2018
Tips of the week: Five Ways to Save in Retirement
This Weeks Guests :
Melanie Rochford - Business & Development Director of Hackney Foodbank - will be exploring the causes of the rise of foodbanks... and what is to be done?
Sabrina Dubash, Welfare Rights Expert, City of London, a benefit expert who guides us on the new benefit, Universal Credit, and how to prepare for a cheap wedding in this summer.
Saturday, 11 August 2018
Thursday, 26 July 2018
Thursday, 7 June 2018
Friday, 13 April 2018
Click on the link below to listen to my radio podcast:
Friday, 16 March 2018
Click on link below of the radio podcast:
Wednesday, 14 February 2018
I noticed how busy members of staff at the London Community Credit Union (LCCU) were during the Christmas festive period. They were very equipped for the season by hiring extra staff. Creditors undeniably know that the period leading up to Christmas is one of their busiest. During the same period, for me, as a debt adviser, its one of the quietest.
Rose Matthews explained on East London Radio on Money Matters Radio podcast, that as a mother, she had to move from full time to part time work to help with bringing up her children and that as a result she had to survive on low income:
another person acting on the customer's behalf or the customer is developing a repayment plan’.
Wednesday, 24 January 2018
If you are a non-British national, trying to ascertain your rights in the United Kingdom can be a difficult process, perhaps more so than if you are a British national. In addition, your immigration status will also affect the support that you may receive from the Welfare State. For example, non-payment of an unforeseen medical bill may have negative consequences for decisions relating to applications for British Citizenship.
He had a Debt Management Plan in place with a commercial Debt Management company that charged for such a service. However, the company went into liquidation. He was very conscious that any legal proceedings against him by any of his creditors might cause problems with obtaining British citizenship. He thus wanted to carry on with the Debt Management Plan. After he sought advice from me, he set up a payment plan via Pay Plan, a free advice service, whereby he pays a reduced rate towards his arrears.