My name: Ripon Ray. I am a consumer debt and welfare rights specialist. I have been an expert contributor on BBC Sussex, BBC Money Box, BBC London Radio and LBC.
I trained London's Institute of Money Advisors, Trust for London grants managers, Positive Money campaigners on a number of money and welfare rights related issues. I specialise in universal credit and am a registered money trainer with the Money Advice Trust.
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Managed Migration, Transitional Protection and Universal Credit
If you are on legacy benefits and being told to move on to universal credit through managed migration, you need to watch this video. UCAN has produced a simple video so you can absorb the subject without falling a sleep. If you want to know why transitional protection is important, watch it. It has been produced by Doug Haywood; actors: Ripon Ray and Barbie!
It’s a well-known fact that individuals who suffer from a hampered mental capacity - be it mental health or learning difficulties - are most likely to be vulnerable in our communities. They are also more likely to be victims of miss-sold products and services by companies, even though organisations that are providing financial products and services have a duty under the Financial Conduct Authority (FCA) to take extra care towards these individuals. This is what the FCA has to say about vulnerable customers: ‘ The vulnerability of the customer, in particular where the firm understands the customer has some form of mental capacity limitation or reasonably suspects this to be so because the customer displays indications of some form of mental capacity limitation (see ■ CONC 2.10) But due to a culture of intensive selling to consumers, generated by employers placing and enforcing - often difficult and unrealistic - performance goals which are attached to tempting
PUBLISHED: 09:02 13 March 2019 | UPDATED: 09:03 13 March 2019 Emma Bartholomew Ripon Ray: Picture: Rukya Khan Debt advisor and radio talk show host Ripon Ray tells Emma Bartholomew how he’s seeing more and more people who are unable to just pay the basic bills Ripon Ray: Picture: Nick De Marco Self-confessed “arty-farty creative” Ripon Ray originally set out to be a fashionista in life, when he “found his calling” and changed track to become an activist. He’d been studying at the London School of Fashion, but going on an anti-fascist protest “triggered a couple of things”. “I dumped my studies and went to Kingsley College where I was doing full-on activism, and organising protest marches,” he told the Gazette . “I loved it but I got kicked out of there because I was too much of an activist and I wasn’t focusing on my studies.” He knuckled under, bagged a history degree and started out in the charity sector as a housing advisor. Being mugged i
‘I have not been able to pay my council tax for last four years. Bailiffs have lied to me to get money from me. I still can’t afford it!’ says Joanna Robinson on Money Matters show on East London Radio in March 2018. During the period 2016-17, bailiffs were used by councils on nearly 1.5 million occasions in order to attempt recovery of council tax arrears. As in Joanna's case, residents were summoned to court for being too poor to pay - accruing court costs, subjected to the ignominy and anxiety having to face enforcement agents, and already too poor to pay, further indebtedness. As I hear the horror stories of bailiff’s knocking on debtors’ doors under the new Council Tax Reduction Scheme (CTRS), I am beginning to worry that the Scheme is really just a Poll Tax rehash. I was too young to remember what the Poll Tax was when it was first introduced in the late 1980s. My parents never spoke about it. In my work I started to notice from 2013 onwards that mo