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Showing posts from September, 2018

Your Money Matters ...with Ripon Ray (First Half)

On this part of the weekly money show I explore the importance of making a will for your loved one. Why is it important making it? What could happen if you don't have a will? What are the ways of making it and potential risks involved with these options?  I also look at ways for you to save money on your fuel supply - this is my tips of the week.

Your Money Matters...with Ripon Ray (Second Half)

This is your weekly radio show.  This time I talk about how to save money on your car insurance and  ways to protect yourself from scams.

My Campaign: No Poll Tax 2 campaign urges Town Hall to scrap controversial relief cut

By Ed Sheridan, Local Democracy Reporter | September 18, 2018


Hard Times: Campaigners clash with council over council tax support. Photograph: Marco Verch. A cross-party campaign is calling on Hackney Council to walk back a recent cut to tax relief and instead provide full support to the borough’s poorest residents. The Town Hall came under heavy fire from anti-poverty charity Zacchaeus 2000 Trust (Z2K) in September last year after it announced plans to increase the amount of council tax paid by working age residents in financial hardship. In order to offset government cuts, the council made the decisionearlier this year to go ahead with changes to its Council Tax Reduction Scheme (CTRS), increasing the amount paid by working age claimants from 15 to 17 per cent. The No Poll Tax 2 campaign has now started a petition calling on the local authority to think again and provide 100 per cent support through a “fully funded Council Tax Benefit Scheme”. Z2K campaigner Jen Durant said: “We str…

Your Money Matters...with Ripon Ray

Alternative Lending - This week my focus is on payday lenders, credit unions & peer-to-peer lenders. What do they stand for? What are the differences between these lenders? What are the benefits of borrowing from them? I also talked about the risks involved when lending from these companies.

Your Money Matters...with Ripon Ray

Universal Credit: How does it work? What does it mean for claimants? How to claim it? What does it include and what does it not include? If you disagree with the Department of Work & Pension how do you go about challenging it? This show talks about all those things and more on Your Money Matters...with Ripon Ray

Your Money Matters...with Ripon Ray

Last Week's on Your Money Matters...with Ripon Ray:

Mortgage - how to get it? What are the criteria behind getting a mortgage? What challenges you may come across when you apply for a mortgage? Robert, an independent financial adviser from Bond Wealth LTD, is in the studio. He talks about all the above and more.

Ethnic Minority Communities are in extreme poverty in East London

I recently advised Shazna Rahman*, a Bangladeshi Muslim woman in Newham. She came to seek debt advice from me at Toynbee Hall, a charity in Tower Hamlets that helps communities in poverty. She was wearing full black burkah. This is a piece of clothing covering her body completely. It was not the manifestation of her faith that struck me most, but the reality of her difficult and hard life. Her children were taken away from her by Social Services because she was unfit to look after herself and her children due to a highly traumatised divorce that resulted in a mental breakdown. She moved from Tower Hamlets to Newham into private accommodation. She claimed housing benefit to pay for her rent.  After a few years, she became homeless when her private landlord wanted to rent the property out to a professional couple who would pay more. Newham council put her in temporary accommodation because she was deemed in priority need due to her mental health.
Her personal circumstances made me think …