Apply for a Credit Card

credit cards
Why Apply for a Credit Card

A credit card is a payment card, whose name comes from the physical object used a rectangular plastic card. It is one of the most fashionable and most used banking products. A credit card is different from a debit card in that it does not transfer money from the user’s account for each transaction. By using the credit card, the card issuer lends the holder some money. Using the credit card holder is not obliged to pay the accumulated debt immediately, it may delay the payment of debts later, the cost of payment of interest on the money owed.

How Credit Cards Work

how credit cards workThe credit card is funded by the bank providing the cardholder’s credit limit. For the use of the credit limit, the card holder is obliged to repay at the term’s minimum amount, representing a percentage of the amount used and the interest under the conditions stipulated in the credit card contract. A credit card is limitless because the amounts repaid can be reused after reimbursement.

Types of Credit Cards

There are many types of credit cards you can apply for: cards with no interest but with balance transfer fees, credit cards for a bad credit score or even reward credit cards or airline credit cards where you receive reward points or flying miles.

  • 0% balance transfer credit cards – you don’t have to pay interest but you have to pay balance transfer fees
  • 0% purchase credit cards – use these cards for large purchases or for regularly good and services without any interest
  • Low fee balance transfer credit cards – you can transfer a hefty balance from another credit card to this card for a more attractive interest rate
  • Credit cards for bad credit – if you have a bad credit score you should go for this credit card
  • Credit builder credit cards – build up your credit score if you had problems with debt in the past
  • Balance transfers and purchases – save money on retail purchases and balance transfers
  • Reward credit cards – receive rewards for paying the balance every month
  • Overseas spending credit cards – save money when spending abroad
  • Low rate credit cards – save money on retails purchases and balance transfers with low-interest rates
  • Money transfer credit cards – pay cash into your account
  • Airline credit cards – perfect for people who travel a lot, you can receive reward points or flying miles

How To Apply For a Credit Card

To apply for a credit card you need to understand first what is best for you. There are on the UK market a lot of credit card providers, usually, the banks or the building societies and you have to read and understand all the conditions before applying for a credit card.

Find the right credit card for you

find the best credit card
It is important to know why you need a credit card. Maybe you want to clear a debt that you currently have or want to get something in return for spending. If you do not know what kind of card you need, you should consult several types of cards, these cards are offered by banks and the offer is very variate.

Check your credit score

check credit score
When you apply for a credit card, the bank that provides this card will make a check in your past to see if you are creditworthy and if you have a bad history in relation to other loans.

f your credit score is good, so you more likely to get the desired credit card. To see how’s your credit score you should go to specialised sites in checking credit score. This will help you eliminate any surprises in being rejected and even you will be able to correct your credit score.

Check the offers and choose the credit card

credit card offersIt is important to check all credit card offers that may seem best and choose the one that suits you best. On the market, there are plenty of banks offering credit cards, but read carefully the terms and interest that banks charge. In the example from the picture above you can see that Santander is offering three cards you can choose from. No matter if you want to transfer a balance, to earn cashback, to travel abroad or to save on interest repayments, they got all covered. You can also find credit card comparison tables.

Complete the credit card application form

credit card application formIf you are determined and ready to apply for a credit card, go to the site of the bank that offers that credit card, select the desired card and complete the application form. As you can see from the picture above which is taken from the Sainsbury’s Credit Card application page, you have to enter details about yourself. You can complete this application online and also by mail or by telephone. Below you can see an example of how to apply for a credit card from Barclays Bank.

EX: How to Apply for a Barclaycard

Step 1 – Enter the main site of the bank

Barclays credit cards siteLet’s say you heard or saw an advertising on the internet or on the tv about Barclays Credit Cards. Go to the Barclays Bank homepage and find the credit cards section. Click Credit Cards link and you will see opening three other subsections: Choose a Barclaycard, Learn about credit cards and Barclaycard benefits. If you click the Choose a Barclaycard button you will see other buttons opening: Compare all credit cards, Balance transfer calculator, Balance transfer credit cards, Purchase credit cards, Rewards credit cards, Credit building credit card and Check if you’re eligible. Click then Compare all credit cards and go to step number 2.

Step 2 – Compare all Credit Cards

compare Barcays credit cards
On the credit cards comparison page, you will understand that a credit card can be a very good way of borrowing money and you can be in control of your finances spreading the cost of all goods you need to buy today and even earn rewards for purchases you make. Normally the banks are charging you interest on the money you borrow unless the balance is cleared every month or the offer you took was an interest-free offer.

Step 3 – Choose the best credit card for you

choose the best credit card
On this page you will see different types of credit cards you can apply for:

Balance transfer credit cards

Let’s say you are interested in balance transfer credit cards. You will see that below there are a few credit cards you can choose from. On the balance transfer credit cards, you will have 0% interest if you are a new customer with no other credit cards provided by Barclays. There is interest, just a fee for the balance transfer.

  • All-Rounder Platinum Card

all rounder platinum card

– a flexible card used for balance transfers and purchases;
– you have 0% interest on purchases for 25 months;
– 0% interest for 25 months on balance transfers within 60 days
– representative 18.9% APR
– purchase rate 18.9% p.a.
– assumed credit limit £1,200
– no annual fee

  • 37 Months Balance Transfer Platinum card

37 month balance transfer platinum card

– a credit card with maximum flexibility if you pay quickly your balance
– representative APR 18.9%
– purchase rate 18.9% p.a.
– assumed credit limit £1,200
– no annual fee

  • 32 Months balance transfer Platinum card

platinum card

– a perfect credit card with a lower fee and less time to pay the balance
– 0% interest for 32 months on balance transfers
– 0.6% balance transfer fee
– representative APR 18.9%
– purchase rate p.a. 18.9%
– assumed credit limit £1,200
– no annual fee

  • No fee 24 months balance transfer Platinum card

platinum card

– perfect card if you transfer the balance but don’t want to pay fees
– 0% interest for 24 months on balance transfers
– 0% balance transfer fee
– representative APR 18.9%
– purchase rate p.a. 18.9%
– assumed credit limit £1,200
– no annual fee

  • 18 months balance transfer Platinum card

platinum card

– perfect for an average credit history and you want a balance transfer
– 0% interest for 18 months on balance transfers (2.99% fee applies)
– representative APR 24.9%
– purchase rate p.a. 24.9%
– assumed credit limit £1,200
– no annual fee

  • Freedom Rewards card with purchase offer and balance transfer

freedom rewards credit card

– you earn Freedom points to redeem for rewards
– 0% interest on purchases for a year
– 0% interest for a year on balance transfers(0.15% fee applies)
– representative APR 21.9%
– purchase rate p.a. 21.9%
– assumed credit limit £1,200
– no annual fee

Step 4 – Credit Card Eligibility

credit card eligibility

Before applying for a Barclays card you need to check your eligibility for a credit card because it is easy to use; it is free; it will not affect your credit rating and you will get your eligibility answer in just a few minutes. You have to answer some easy questions like your name, employment status; if you have currently other accounts with Barclays and some other questions. If you are eligible to apply for a credit card, go to the next step and start the application process.

Step 5 – Apply for the Credit Card

barclays credit card application

If you found yourself eligible to apply for a credit card, it’s time to start the application process. First click the Apply now button that will take you to the Barclaycard Platinum credit card application page. You will need to enter your personal details like the Name and address, home telephone, your address, and employment details as long as your Bank details. You will also have to answer why and how you want to use your credit card. A decision about your credit card will take no more than 1 minute.

Apply for Barclaycard by Phone

If you find difficult the process of applying online for a Barclaycard, then you can apply by phone. To do that simply call the Barclaycard applications and new customers phone number 0800 731 0200 from Monday to Sunday, 8am – 11pm.

Apply for a Loan

A loan is borrowing money from one entity, organisation or individual; a debt given by a bank or another entity for a certain interest rate that is stipulated in a contract between the two parties. This contract may include details about the interest rate and the date and time that will repay the borrowed money. In a loan, a borrower receives a certain amount of money from the bank and is required to return at a certain date. This loan has a cost and this cost is interest on the borrowed money and all these details are stipulated in the loan agreement.

Why Apply for a Loan?

loans

There are a few reasons why you should apply for a loan. Borrowing money from a bank to buy a car could be cheaper than the car dealer finance, for example. You can also apply for a loan to consolidate your debts together and could help you to keep them under control. If you want to improve your home you could also apply for a loan and make your like better. Of course, there are many other reasons you could get a loan for but this is different from individual to individual.

Personal Loans

personal loans

If you think to buy yourself a car or you need some items in your house, like a sofa or a tv or maybe you just want to go on a vacation. For many people, this cost can not be covered by the regular income. To cover these expenses you need to borrow money from a financial institution. The personal loan is different from a credit card because it can get you a fixed amount of money for which you pay an interest and you know how much you have to pay each month. With a personal loan you can borrow up to £25,000 and if you want more you will need to put up a property as a security measure.

If you borrow more money, the interest will be smaller and so it is maybe better sometimes to borrow more to have a lower interest. Normally the banks and the financial institutions borrow money for one, three or five years. The higher the repayment period, the interest rate will be lower. Very important for the rate you pay is your credit score. When applying for a personal loan, most of the financial institutions will check your credit score and if you have a poor credit history you could get a refusal from the bank. You will see below an example of how to apply for a personal loan from Santander Bank.

EX: How to Apply for a Santander Personal Loan

Apply By Phone

Apply in Person

Apply Online

santander home improvements personal loan

Step 1 – Go to Santander Main Website

Let’s say you want to get a Personal Loan for your home improvement and you have decided to borrow the money from the Santander Bank. The first step you need to do is go to the main Santander Bank website, then go to Personal, Loans and Home Improvement.

Step 2 – Read the Eligibility Conditions

To apply for a personal loan from Santander so you can improve your home you need to meet some conditions:

  • you need to be at least 21 years old
  • you must be a UK permanent resident
  • you need to have a gross income of at least £6,000
  • you must have a bank account with the Direct Debit facility
  • you need to not have been declared bankrupt in the past 6 years

Step 3 – Prepare the Loan Documents

To apply for a personal loan from Santander Bank regarding a home improvement you will need:

  • your address in the last 3 years
  • your employer’s address
  • your monthly income
  • your bank details

Step 4 – Review the Loan Rates

santander loan rates

Before applying for the personal loan you need first to be informed of what your monthly repayments will be. If for example, you are a new or existing customer of Santander, for a loan between £15,001 – £20,000 your APR will be 3.6%. If you borrow from £1,000 to £2,999, your APR will be 20.6% and so on as you can see from the picture above. With a personal loan from Santander you will get fixed repayments for life on the loan you get, an annual loan statement, the possibility to check your loan online, you will have the opportunity to overpay at no extra cost and even to borrow more.

Step 5 – Personal Loan Terms and Conditions

Personal Loan Terms

When you apply for a Santander personal loan you need to know some terms and conditions. You will have to pay each month a fixed amount that will be deducted by Direct Debit. You will see how on the credit agreement how much you will have to pay monthly. If you missed a monthly payment you need to know that this could damage your future credit history. If you’ll miss multiple repayments, the debt could be secured against your house and to avoid this situation you need to contact the bank as soon as possible. If you change your mind the 14 days cooling period, you can cancel your contract.

Step 6 – Apply for the Personal Loan

apply for personal loan

When you are ready to start the application for your Personal Loan with Santander just click the Apply Button and you will be taken to the application page. On the first page, you are reminded once again that you need to be at least 21 years old to apply to meet the other requirements such as to have a permanent address in the United Kingdom. You need to complete the information about you such as First and Last name, Date of birth, mobile and home phone number and employment status. On the employment section, you need to fill information about where you work and what is your job title, your employer’s phone number, and other details.

Examples of Other Loans

Borrow Money for a Car Loan

car loans

The maximum amount allocated for the purchase of a car is the first step in choosing a car. The maximum amount a person can borrow is directly proportional to the monthly income (individual or family level, as appropriate). Banks can set their individual thresholds of indebtedness. They accept that people with higher income, to have a higher monthly rate. The income taken into account by banks to extend credit is determined by deducting living expenses from total income earned by the customer.

The level of these costs is determined on a case by case basis for each client, depending on the number of family members. In assessing the repayment capacity, most financial institutions also take account of the salary and other income, such as those from independent activities, or rent. Unlike other loans, car loans bring with them a number of additional costs. The customer must also consider that a car requires fuel costs, maintenance, and insurances.

Loans for Young People

young people loan

When you are young it’s harder to borrow money from banks. If you are a student, then it will be very suitable for you to apply for a student loan. It is important not to heavily indebted so you can pay the monthly rate, so be careful how much money you borrow. Being young, you don’t have a credit history so it will be difficult to get a loan. That does not mean that the bank will not give you the loan you need, but it will be much harder to get it. As a young man will have to improve your credit score in order to make it easier for a bank loan later. One of these possibilities for the improvements of the credit score is to register to the electoral roll.

Debt Consolidation Loan

debt consolidation loan

If you have already balanced your credit cards or overdrafts, you could apply for a loan to consolidate all your debts in a single repayment at a fixed rate. You will be able to save money if your new personal loan rate will be lower than your existing rates and you will simplify your repayments in just a single amount. To apply for such a loan you should meet some requirements: to be at least 21 years old, to be a UK resident, to have a bank account with a Direct Debit facility and to have an annual income of at least £6,000 and to not have been declared bankrupt in the last 6 years. This is just an example, conditions may be different from bank to bank.

Special Occasion Loan

special occasion loan

If you have an important event coming in your life like a dream wedding, or a special occasion or the holiday of your lifetime, you could apply for this type of personal loan. With this type of loan, you will know what you will pay over a period of 12 to 60 months and normally your first repayment will be after 30 days from the moment the loan is agreed. For example, if you borrow let’s say £10,000 you will have a monthly repayment of £180 over a loan term of 5 years at a fixed rate of 3.1% so you will repay £10,806. This is just an example and the rates may be different with each financial institution. Most of the banks require for this type of loan to be a UK resident, to be at least 21 years old and to have a good credit history.

Apply for Santander Loan by Phone

If you don’t want to apply online you can do it by the phone. To get in contact with a customer service person regarding a loan, please call Santander Loan Telephone Number 0800 028 4055 and a person from the support team will guide you through the whole loan application process.

Apply In a Santander Branch

Santander branch locator

You have also the possibility of applying for a personal loan in a Santander Branch. To do that click the Branch locator and enter one of the following details: your address, postcode, town and county.

Apply For CSCS Card

CSCS or the Construction Skills Certification Scheme is a certification system in the United Kingdom construction industry. Having a CSCS card is a proof that you are certified to work on construction sites with the required training and qualification for the work you carry out. The Construction Skills Certification Scheme keeps a database of people working in the construction industry, people that achieved a qualification related to construction. Major contractors and the principal house builder require this CSCS card to prove your qualification for the job you are applying.

CSCS Card Pricing

The price for a CSCS Card is £30 and the CITB Health, Safety and Environment test will cost you £19.50. You need to know that you may find different prices for a CSCS card if you apply through other organisations that are offering card application services.

Applying for a CSCS Card

apply for cscs card
In order to apply for the correct CSCS card, you need to be ready to prove that you have the necessary training and qualification for the job you want to get later. You can see if you meet the requirements by using the online card finder tool which will tell you also what kind of CITB Health, Safety and Environment test you need to pass. To apply for a CSCS card you need to follow the steps below:

Step 1 – Pass CITB Health, Safety, Environment Test

The first step you need to take is to pass the CITB Health, Safety and Environment Test for your occupation. To find out which test you need to take you have to use the card finder tool online.

Step 2 – Send your Qualification to CSCS

Send your qualification to cscs@citb.co.uk if you need to apply for a CSCS card. To find out exactly which qualification you need for your occupation, just use the card finder online tool.

Step 3 – Call CSCS Customer Service

You have to call the CSCS customer service phone number 0344 994 4777 and be prepared to pay £30 with your credit or debit card over the phone. This telephone number is available from Monday to Friday, from 8 AM to 6 PM. The process of getting ready your CSCS card is very fast, you will receive your CSCS card as soon as possible because it will be posted out to you on the next working day.

Apply for CSCS Card by Post

If you want to apply for a CSCS card by post you need first to download the application form, fill all the fields and send it to CSCS along with the payment. Normally the postal application will take more than the online application, usually 15 days and you should expect the arrival of your CSCA card within 20 days of application. If you haven’t received your card within five weeks you should contact CSCS.

The address for sending your application:

CSCS
PO Box 114
Bircham Newton
King’s Lynn
PE31 6XD
United Kingdom

CSCS Cards Employer application

employer application formTo apply for CSCS cards as an Employer is very simple. You need to download first the CSCS Employer Application form and send it by email to employerapplications@citb.co.uk. As an employer, you can manage multiple applications and you can pay for all of them at once. You need to check carefully some conditions before submitting your employer application:

– read the guidance page and the rejection conditions for your employees
– ensure all applicants have passed the CITB, Health and Safety test
– submit all the required documents

CSCS Card Types

cscs card types
There are several types of cards you can apply for, including:

  • Labourer card
  • Apprentice card
  • Experienced Technical
  • Supervisor or Manager
  • Experienced Worker
  • Trainee Card
  • Supervisory
  • Manager
  • Academically Qualified Person
  • Construction Related Occupation (CRO)
  • Construction Site Visitor
  • Professionally Qualified Person
  • Provisional
  • Trainee (craft and operative)
  • Trainee (technical, supervisory and management)
  • Construction Site Operative (CSO)
  • Construction Related Occupation (CRO)

Labourer Card

apply for labourer cardTo apply for a Labourer Card you need certain courses or qualifications such as:

– the QFC Level 1 or SCQF Level 4 award in Health and Safety in a construction environment. To get this qualification you have to contact the Jobcentre Plus training centre or the local college for further education. Find Training centres approved by Cskills Awards City & Guilds and also Pearson

The CITB Health Safety and Environment test must be passed by all applicants. You need to know this card is available for five years and when you apply for a renewal you can not use the same alternate qualification certificate.

Apprentice Card

apprentice cardTo apply for this type of card you need to be registered on a recognised apprenticeship framework and it is valid or four years and six months and there is no possibility of a renewal. To confirm you are registered for an apprenticeship you need:

  • a letter from Managing Agency to confirm your qualifications
  • a letter from the apprenticeship training provider confirming your qualifications
  • the CITB Health, Safety & Environment test

You are exempt from the CITB Health, Safety & Environment test if you have a letter from Managing Agency of your apprenticeship to confirm that you pass the test; a certificate from the Health and Safety Awareness course; a health and safety unit in your initial qualification.

Experienced Technical, Supervisor or Manager Card

experienced technical supervisor managerTo apply for the Experienced Technical, Supervisor or Manager card you need to have at least one year experience from the last three or you need to have the NVQ or SVQ level 3, 4 or 5 and you have to be not a member of the Professional Body.

The Experienced Technical, Supervisor or Manager Card is available three years and it is not renewable, it is issued on a temporary basis and you need of course the CITB Health, Safety & Environment Test to have passed in the last two years.

Experienced Worker Card

experienced worker cardTo apply for the Experienced Worker Card you need to prove experience in the last three years for at least one year. This card is available only for one year and it is nor renewable and it is issued on a temporary basis. The next level card may be a skilled five-year card when achieving of a Construction Related NVQ or SVQ Level 2.

You can not replace an Experienced Worker Card with a Provisional Card. To apply for this card you need the have passed the CITB Health, Safety & Environment Test in the last two years and you also need to be registered for the Construction Related NVQ or SVQ.

Trainee Card

trainee cardIf you want to apply for a trainee card you need to be a trainee and to be registered for a qualification leading to a skilled CSCS card that could be NVQ/SVQ. The Trainee Card is available for five years and is not renewable. To apply for this card you should have passed the CITB Health, Safety and Environment Test.

Skilled Worker Card

skilled worker cardTo apply for this type of card you need to have achieved a construction related NVQ or SVQ level 2 or to have completed an employer-sponsored apprenticeship. You also need to have passed the CITB Health, Safety and Environment test. The Skilled Worker Card is available five years and you may apply even if you don’t have those qualifications but you are experienced in your job and you are registered for any qualification applicable to the occupation you have.

Advanced Craft Card

advanced craft card

If you want to apply for this Advanced Craft CSCS Card you need to have achieved a Construction Related NVQ or SVQ level 3; to have completed an approved indentured apprenticeship and to completed an employer-sponsored apprenticeship. The Advanced Craft CSCS Card is available for five years and you need to have the CITB Health, Safety & Environment Test passed.

Supervisory Card

supervisory CSCS cardThe Supervisory CSCS Card is available five years and to apply you need to have passed the Supervisors CITB Health, Safety & Environment Test and it is available for supervisor occupations if you have achieved a Construction Related Supervisory NVQ or SVQ level 3 or 4.

Manager Card

cscs manager cardThe Manager CSCS Card is available for five years and you need to have passed a CITB Managers and Professionals Health, Safety and Environment Test and also this card is available for managers holding a pre-existing NVQ level 4 in construction management and of a Construction related NVQ/SVQ levels 5, 6 or 7.

Academically Qualified Person Card

academically qualified person cardTo apply for this card you need to have an HNDs, HNCs, CIOB Certificates and NEBOSH diploma. To find a complete list of accepted qualification for the Academically Qualified Person Card you have to click here. The card is available for five years and you need to have passed the CITB Managers and Professionals Health, Safety and Environment Test.

Construction Site Visitor Card

construction site visitor cardThis card is available for people that are frequently visiting construction sites without any specific skills. This Construction Site Visitor CSCS card is available five years and you need to pass the CITB Operatives Health, Safety, and Environment Test to apply for this card.

Professionally Qualified Person Card

professional qualified person cardIf you want to apply for a Professionally Qualified Person CSCS Card you need to have passed the CITB Managers and Professionals Health, Safety and Environment Test and you also need to supply proof that you are a member of a professional body such as a membership certificate or card, an up-to-date letter from the professional body.

There is a possibility to apply for the Professionally Qualified Person CSCS Card by calling 0344 994 4777. Prior to calling you need to email to cscs@citb.co.uk the evidence of your professional membership.

Provisional Card

provisional cscs cardIf you want to apply for Provisional CSCS Card you need to be:

– working through probationary periods
– undergoing supervised work experience(16plus)
– working as a labourer and not previously applied for CSCS card

To apply for this card you need to have passed the CITB Health, Safety and Environment test in the last two years. The card id available for six months and it is not renewable.

Applying For Probate

Probate is a grant of representation for a person to deal with the goods and assets of a person who passed away. You are able to apply alone if you find yourself in that position or you can use a solicitor or another licensed person. There are different situations you need to deal with, for example after a person dies, it may be a will or it may not be a will. In most of the cases, there are basic steps you need to take in order to apply for a probate.

  • check the existence of a will, if it’s not, you can apply
  • apply for a grant of representation to access the bank account
  • pay the due inheritance tax
  • start collecting the estate’s assets
  • pay all the remain debts and unpaid bills for utilities
  • share the estate to any people entitled: money or other possessions

If you can not handle this process by yourself you just have to contact the Probate and Inheritance Tax helpline 0300 123 1072 or call +44 300 123 1072 from outside the UK and you will receive help to fill this form. You will get help to understand Inheritance Tax responsibilities, to get help about the forms that you need, to get paper copies of forms and complete Inheritance Tax forms. You can get help from this line from 9 AM to 5 PM, Monday to Friday.

Probate: Will

probate with a will
If the person who passed away left a will you can apply for a probate only if you are the executor of the will. It is possible for there to be more than one executor over the will. In this case, you will learn what to do next from the probate application form and guidance notes. If no executor is named in the will of the deceased person or none of the named executors are able to apply, then you have to contact the local Probate Registry and follow the instructions.

Probate: No Will

probate without a will
If there is no will left an administrator will take care of the estate. If you wish to apply for the grant of representation as an administrator of that person’s estate you have to be their spouse, civil partner or child. If you were still married when the person died but you had separated before, you can still apply. If you were the partner of the person but you were not their husband you will not be able to apply for a grant of representation known as probate and also you will not be entitled automatically to your partner’s estate. If there is no will the law will decide who inherits the estate.

How to Apply For Probate

apply for probate
To apply for a probate or for a grant of representation there are four steps you need to take, steps that will be explained to you below:

Step 1 – Complete the Probate Application Form

complete the probate application form
On this step, you have to complete a probate application form that you can find it here and it is called probate application form PA1. To download this form click here.

Step 2 – Complete the Inheritance Tax form

complete inheritance tax form
You need to find out how much values the estate of the person who died. There may be Inheritance tax to pay depending on its value. If for example, that value of the estate is less than £325,000 no Inheritance Tax has to be paid. But still, you need to fill the Inheritance Tax Form even if no tax is owed. There is a possibility of a penalty if wrong information is sent to Inheritance tax.

Step 3 – Send the Probate Application

The application must be sent to the local Probate Registry and it should include the probate application form PA1, the inheritance Tax form, the official copy of the death certificate, the will in original and three copies along with other amendments and the application fee of £215 sent as a cheque payable to HM Courts and Tribunal Service as long as the value of the estate is equal or more than £5,000.

Step 4 – Swear an Oath

On this step, you will receive details for arranging an appointment for an oath. You will have to swear the oath at a local probate office or at the office of a commissioner for oaths. Giving an oath means that all the information you provide is a promise that you tell the truth and normally you will get an answer in 10 working days.

Download Probate Application Form

To find the Probate Application Form PA1 you have to go to the Court and tribunal form finder page and download the Probate forms that you need. For example, you can download the PA1 form from here; you can also read more information about How to obtain probate, which is a guide for people acting without a solicitor; you can also read more information about what is a probate.

Complete Probate Application Form

probate application form

You have to complete the Probate Application Form with Block Capitals and place a tick in the box where is the case. Complete the following sections with the required data and choose your option if that’s the case:

Step 1 – Swearing the Oath Options

  • A Solicitor’s office
  • The Probate office

Step 2 – Details Needed About the Deceased

  • Forename
  • Surname
  • Permanent address
  • Dates of birth and death
  • Assets remaining upon the deceased
  • Other details for the person who has died
  • Marital status, date of the divorce if that was the case

Step 3 – The Will and Codicils

  • Confirm or inform the existence of a will
  • Confirm any codicils
  • Marital status after the will
  • Witnesses of the will
  • Other details about executors not applying the will

Step 4 – Foreign Domicile

  • The country where the person who has died lived
  • Estate in the UK
  • Any wills made outside of the UK
  • All foreign assets

Step 5 – Relatives of Deceased

  • If there is a surviving spouse or civil partner, yes or no
  • Blood and adoptive relatives left after the death

Step 6 – Applicant Information

  • Full name
  • Address
  • Telephone numbers
  • Email address
  • Relationship to the deceased

Step 7 – Inheritance Tax Summary

  • Details about the Inheritance tax forms

Step 8 – Applying as an Attorney

  • Choose if you are applying as an attorney or not
  • The name of the person or people for whom you are applying
  • Address
  • Other details about those relatives

Step 9 – Checklist

  • Verify that you have enclosed all the relevant documents and fees

When a Probate Issues

Once the probate has been issued you have to inform the organisations holding the dead person’s assets. This could be for example a bank. Once they receive this grant the assets must be released to you so you can transfer them to that executorship account.

When the assets have been transferred properly you can start paying any debts of the dead person including any outstanding bills or any tax owed.

You need to place a note in the local news Gazette to give a chance to creditors to claim any debts. You are legally responsible paying these debts before distributing the remain of the estate. The estate can be distributed as it is written in the will or if there is no will, by the law.

Stopping a Probate

stopping a probateIf you want you can stop the probate also know as a grant of representation. This procedure is called a caveat and it will stop the probate to go further. This caveat may appear in case there is a dispute between two or more persons about who to apply for a probate or if there is a will. The caveat will last six months. To stop the probate and enter a caveat you need to be at least 18 years old and you can do it by yourself or you can use a solicitor. To stop a probate visit any Probate Registry. To apply for a caveat you will need:

  • A signed application for a caveat also known as form PA8
  • The details of the deceased
  • Your home address in England or Wales
  • £20 to pay for the caveat fees

How to Search Online for a Probate

Search Online for a probateYou can search online for a probate record in England or Wales. When you search a will online you will be able to access a database of the people who died after the year 1858. You can even order copies of such probate records online by paying a fee of £10 each and you can pay with your credit or debit card. Normally it will take approximately 10 days to receive the probate records. You should also know that a new probate will enter the database after 14 days after the grant of representation will be valid.

Search Probate by Post

To apply by post for a search of a probate record you need first to download the PA1S form also known as an Application for a search. This search will cost you £10 for each copy of that grant of representation record. The response will get back to you in approximately 4 weeks. The address where you send your form is The Postal Copies and Searches Department District Probate Registry, York House, 31 York Place, Leeds, LS1 2BA.

How to Apply for Student Finance

Student finance is a package of loans provided by the Student Loans Company also known as SLC which is a non-departmental public service. This student finance can be given to most of the university students that are studying in the United Kingdom.

Student Finance EligibilityStudent Finance Eligibility

For a Student Finance benefit, one may apply as new students, continuing students, new EU students and continuing EU students. For students in Scotland, Wales and Northern Ireland there is a different process.

New Students

If you are a new student from England first you need to setup a student finance account online, then log in completing the application, include details of your household income and if is needed you have to ask your parents to support your application. When this is done you have to send a proof of identity, then sign and return the loan declaration.

Continuing Students from the UK

You are a continuing student from England if you received finance for the previous school year. To apply online for a student finance you have to log in to your account. You will see later in the article the process of completing the application online. If you became a part-time student before September 2012 there will be a different process to apply.

Students From Scotland, Northern Ireland, Wales

For students in Scotland, Wales and Northern Ireland there is a different process. Click the appropriate link to go the student finance application website.

New EU Students

You can apply for a student finance if you are a new student from a European Union country. To apply you have to download an application pack using the form finder, then you need to send proof of identity and you will later get a confirming letter, normally withing six weeks, of how much you will get.

Continuing EU students

You are considered a continuing student from a European Union country if you received student finance help from the previous school year. In this case, you will receive the application forms.

How to Apply for Student Finance Benefits – Online and Post

student finance how to apply
If you want to apply for a Student Finance there are two ways of doing it, you can apply online or you can apply by post. You need to apply up to nine months after starting the academic year for your course as you can see in the picture below.

when to apply student finance

Apply Online

If you are a student from England you can apply for the current year and for the last year for a student finance. You may apply for Tuition Fee Loans, Maintenance Loans, Maintenance Grants, Advanced Learner Loans. In case you are a part time student you can apply only for the last year. If you want to apply online for a Student Finance follow the steps below.

apply online student finance

Step 1 – Enter the Student Finance website

student finance website

Enter the Student Finance website as you can see in the picture above. Click the student finance link, read the eligibility conditions and then find the apply online link.

Step 2 – Start now; Apply Online for Student Finance

apply online student finance step 2

On this step, you need to find the Start Now button on the Student Finance England website and then go to the next step.

Step 3 – Student Finance Login

slc login and create account student finance

On the Student Loans Company website, you need to create an account if this is the first time visiting this website or log in if you are already a user.

When you sign in to your student finance online account you will be able to view your letter and statements from Student Finance England. You will be able to track existing applications to check any due payments, to update some personal information or to reset the password. This is how you apply for finance as a continuing student or as a new student.

Step 4 – Student Finance Create Account

create account student finance

On step 4 you need to enter your personal details like First name, Last name, gender, Date of Birth, Town of Birth and the National Insurance number, then click next and move to the next step. Moving to the next page you will have to enter your postcode and click Search for address button. When your address is found, click Continue button.

Step 5 – Enter Phone Number and Email address

student finance phone number
On step 5 you need to enter your Home phone number, Mobile phone number and Email address and click Next.

Step 6 – Student Finance Password/Secret Answer

student finance account password
On the next page choose a password for your Student Finance account and a Secret answer and click Next.

Step 7 – Finish Your Student Finance Account Registration

student account customer reference

On the last step of the registration of your Student Finance account, you will receive a Customer Reference Number also known as CRN. You will have to use it when you log in to your account again. You can use this account to apply for student finance or support an application, you can also track the progress of a student finance application, view payments and letter and see any outstanding information.

Step 8 – Apply for Student Finance from Account

apply for student finance

On your Student Finance account locate the section where you can Apply for student finance and click that button as you can see in the image above.

Step 9 – Student Finance Type

choose type of student finance

As you can see in the picture you have to choose between a Higher education or Further education:

  • Higher education means you will be studying for a degree a foundation degree, an HNC or HND, a master’s degree or another higher education course.
  • Further education means you will be studying a programme of GCE A levels or AS levels, a QAA Access to HE Diploma, a further education certificate, a Subsidiary Diploma, 90 Credit Diploma, Diploma or Extended diploma or an NVQ level 3-6.

Step 10 – 6 Important Things about Student Finance

6 important things about student finance

  1. You will be charged interest on your loan as soon as the first payment is made to your account
  2. While you are studying you will be charged an interest rate of 4.6% but this rate may be variable
  3. If you have repaid your loan in full you will be charged interest
  4. You will have to start repaying your loans the April after finishing or leaving the course
  5. You will be able to repay when your income is at least £21,000 per year
  6. You will have to repay 9% of your own income when you will get at least £21,000 per year

Step 11 – Review Information to Apply for Student Finance

review information student finance

In step 11 you will have to review the information needed for new students to apply. You will need information about your chosen university or college and also the course, then for UK applicants, you need a valid UK passport. You will also need your National Insurance Number and 30 minutes of your time to fill in all the information.

Click Continue and you will have to answer other questions like if you are a UK national, if you can give your passport details, if you have lived outside of the UK in the last 3 years, if your parents or other relatives lived or worked outside of the UK in the last three years, you will also have to respond the question about your relationship status, if you have care of a person under the age of 18 years old, if an adult depends on you financially or if you can get any disability related benefits.

Step 12 – Previous and Current Study

student finance previous and current study
On step 12 you have to enter details about your previous and current study. You have to tell if you have attended any higher education courses.

Step 13 – Course and Fees

student finance course and fees

On this step about course and fees, you will learn what is a tuition fee loan and that you will have to pay a Tuition fee of £9,250. If you will pay interest and when you will repay it, you will learn how to pay and how much does your university or college charge.

Step 14 – Review Course and Fees Information

review course and fees

Review all the information you wrote about Course and Fees and change something if needed. You will review information about where you plan to study, what course you will study, which year is the application for, where you will spend your academic year, if you will be living at your home address, your term-time address if it’s not your home address, information about tuition fees, if you want to apply for a Tuition fee loan, how much Tuition fee loan would you like to borrow and information about bursaries and scholarships. If everything is correct click save and continue.

Step 15 – Student Finance Living Costs

student finance living cost

On this step, you will learn important things about living costs. You will be able to get for example a Maintenance Loan of up to £3,928. You will understand that Maintenance Loan will be paid directly to your bank account and you will have to register at your university before the first payment will be made. You will also learn that on your Maintenance Loan you will be charged interest and you will have to repay it after you left University and your income is over £21,000 per year. On the next page review the Living costs and if everything is right click Save and Continue.

Step 16 – Financial and Additional Information

student finance - financial information

On this step, you have to provide information about your UK bank or building society account. You have to be very careful, otherwise, your payments may be paid to a wrong account and you will not be able to recover any payments made in error and you will have to repay those payments also.

Step 17 – Student Finance Check and Submit

student finance check and submit

This is the final step where you check the Terms and Conditions and submit your Student Finance application online.

Apply by Post

Student Finance Forms

student finance forms

Use the form finder to download the forms you need. You will be able to download the following forms: forms PN1, PR1, PTL1, PFF2, and CYI; form for parents; forms for EU students studying in England; forms for Disabled Students Allowances. To do that click the Start Now button.

Student Finance Phone Number

Student Finance Phone Number

  • Student Finance England – Call the Student Finance customer service phone number 0300 100 0607 from Monday to Friday, 8 AM to 8 PM, Saturday and Sunday from 9 AM to 4 PM. You can also contact them on the Student Finance textphone 0300 100 0622 from Monday to Friday, 8 AM to 4 PM.
  • For EU students you should contact Student Finance services Non-UK Team 0141 243 3570 or if you call from outside of the UK +44 (0)141 243 3570, from Monday to Friday, 9 AM to 5:30 PM.
  • For a Postgraduate Loan, call the Student Finance Postgraduate number 0300 100 0031 from Monday to Friday, 8 am to 6 pm.
  • For Advanced Learner Loan you should call the Student Finance phone number 0300 100 0619, Monday to Friday, 8 am to 8 pm and Saturday, 9 am to 4 pm.

Student Finance Address

If you want to write a letter to Student Finance England you can do that to this address: Student Finance England, PO Box 210, Darlington DL1 9HJ.

Student Finance Calculator

student finance calculator
The Student Finance calculator is available for students from England and also for students from European Union countries starting a new course in the current year or in the past year. To use this finance calculator just click the Start now button.

How to Apply for UK Housing Benefit

Housing Benefit is a social security benefit given by the United Kingdom government in order to help people who can’t pay the housing costs for rented accommodation. After the pension department, this social security benefit is the second as a budget with a total of £23.8 billion in the year 2013-2014. You can ask for Housing Benefit if you can’t pay your rent when you are on a low income. It is possible to request it when you are not working, but even if you have a job. Housing Benefit is paid only for paying the rent, not for covering the heating costs, or of the hot water, energy or even food.

Housing Benefit Advantages

When you get a Housing Benefit you can receive help from the government to pay your rent or a part of it. While there is no fixed amount on how much Housing Benefit you will receive, you can still us a benefits calculator to find out how much money can you get from this social security benefit. If you wonder how you are paid, you need to know that Housing Benefit will be paid by your council into your rent account for council tenants; into your bank account or building society account, for private tenants.

Housing Benefit for Social and Council Housing Rent

If you apply for this type of housing benefit you need to know that the amount you will be receiving will depend on your eligible rent, on your household income(savings, benefits, pensions) more than £6,000; on other circumstances like a disability of a person on your house or depend on the age of the people living with you; spare bedrooms.

  • Eligible rent means that you can get an amount of money to help you pay your rent in the area you are living including the service charges like communal laundry or lift maintenance, but not including heating costs.
  • Spare bedrooms mean that if you live in a social housing and there is a spare room, your housing benefit will be reduced to 14% of the rent for 1 spare bedroom and 25% for 2 or more bedrooms.
  • Sharing bedrooms – it means that bedrooms are expected to be shared by an adult couple and 2 children under 16 of the same sex or 2 children under 10 years old regardless of sex. A single adult can have his own bedroom, also a child that has no bedroom, children with disabilities or other medical conditions, or a resident that is taking care of you or your partner.

Housing Benefit Private Rent

Housing Benefit Rent for Bedrooms
Private Rent is given depending on the area where you live, on your household size, on your income and circumstances. For 1 bedroom you can get up to £260.64, for 2 bedrooms you can get up to £302.33, for 3 bedrooms you can get up to £354.46 and for 4 bedrooms you can get up to £417.02.

If you live in a houseboat or mooring, a caravan site, a room with meals included in the rent, a hostel or a Rent Act protected property you have to Contact your local council to see if you can get a Housing Benefit.

Housing Benefit Eligibility

Housing Benefit Eligibility

You can get House Benefit if you pay rent, if you are on low income, or if your savings are below £16,000. If you are employed or unemployed you can apply for Housing Benefit, but if you live with a partner, only one of you can apply. If you are under 35 years of age and you are single, you can apply only for a single room in shared accommodation. You can not get Housing Benefit if you live in a relative’s home, if you are a student in full-time or if you are looking for an asylum, if you are staying in the United Kingdom and you are a citizen from EU looking for a job, or if you are subject to immigration control.

How to Claim Housing Benefit

How to Claim Housing Benefit
Housing Benefit can be claimed along with other benefits such as Employment and Support Allowance, Income Support or Jobseeker’s Allowance. You can also claim housing benefits when claiming Universal Credit or Pension Credit. A House Benefit claim can be made in advance by up to 13 weeks or even 17 weeks if you are 60 years old.

Claiming with other benefits

When claiming with other benefits like ESA, JSA or Income Support you need to contact your local Jobcentre Plus and they will send your claim to your council. To contact Jobcentre Plus just use the telephone number 0800 055 6688 or textphone 0800 023 4888, from Monday to Friday, 8 AM to 6 PM.

Claiming Housing Benefit with Universal Credit

When claiming Universal Credit you can not claim Housing Benefit at the same time, but your rent will be paid from the Universal Credit to your landlord directly.

Claim Housing Benefit with Pension Credit

When you claim Housing Benefit with Pension Credit you need to contact the Pension Service to claim it along with Housing Benefit and your claim will be sent to your council. Contact the Pension Service at the telephone number 0800 99 1234 or textphone 0800 169 0133, from Monday to Friday, 8 AM to 6 PM.

Claiming the Housing Benefit itself

When you claim just the Housing Benefit itself you have to apply through your local council.

Housing Benefit claim form

Housing Benefit Claim Form
You can find the Housing Benefit claim form the government website. You can download Housing Benefit claim form that you can fill in on screen and then print it(click here), or you can download Housing Benefit claim form you can print and then fill in with a pen(click here) and send it by post. These forms are PDF files and you can get them if you click the links above.

Housing Benefits PDF Forms

Apply for Housing Benefit Online

If you want to apply for Housing Benefit online you have to take some steps. First, you need to the Housing Benefit section on the government website and read all the information that you can get, learn what you will receive and how to claim this benefit and how to be eligible to apply. When you are ready to apply click Apply through your local council and follow the steps below:

Step 1 – Enter Your Postcode

Housing Benefit Apply Online step 1

To start your online application through your local council you have to enter your postcode and click Find button as you can see in the picture above.

Step 2 – Go to your Local Council Website

Housing Benefit online step 2

If you enter for example the postcode SW1A 2AA you will receive the information that this postcode match to the City of Westminster. You have to click the “Go to their website” button and you will be taken to your local council website, the council of City of Westminster in this case.

Step 3 – Read the information on your Local Council website

Housing Benefit City of Westminster

When you get on your Local council website you can read all the information that you need to apply for a Housing Benefit. You can find the Housing Benefit eligibility conditions, you can log in to your account and apply for housing benefit or other support. Click Log into your housing benefit account and go further.

Step 4 – Log in or Register your Housing Benefit account

housing benefit login register City of Westminster

If you have already and account click sign in, but if you don’t have an account with your local council, click register and go to the next step. When you register you will have the possibility to access information about Housing Benefit and Council Tax Support or even make payments for local authority services.

Step 5 – Register your Housing Benefit Account

Register Housing Benefit account

In this example, you are on the website of City of Westminster local council and you have to register your Housing Benefit account. As you can see in the picture above you have to enter your personal details like the First and Last name, your address, your email address which will be also your username if you want, then choose a password and go further. On the next page you have to select the Housing Benefit and add it to your account and then you are ready.

Step 6 – Apply for Housing Benefit

housing benefit online account apply

On this step, you have to log in to your account and locate your services. You will see Housing Benefits active because you have selected that option when you registered. To apply for Housing Benefit you have to click the Quick action button – apply and pay.

Step 7 – Start New Housing Benefits Claim Form

housing benefit new claim form

As you can see in the picture above, after you have clicked the “Quick action button, apply and pay”,  you will be taken to another page into your account where you can see a section for Housing Benefit and Council Tax Support. Click the New Claim Form link and you are ready to start your Housing Benefits application. On this example, for City of Westminster local council, when you click New Claim Form, at the time or writing this article the application form was not working, but normally you should see a web page where you have to enter your details for a Housing Benefits application.

Apply for Housing Benefits By Post

When you want to apply for Housing Benefits by post you have to first locate the forms and then download them, fill all the information and send them by post to your local council. To see these forms go to this link and fill them online or offline and then send them to the right address of your local council.

How To Apply For JSA

What is JSA?

JSA or Job Seekers Allowance is a form of benefit for unemployed people in the United Kingdom paid by the Government in order to help them, while actively seeking for a job. JSA is part of the social security measures and it was created to help people with living expenses until they find jobs. In England, Scotland and Wales, the Jobseeker’s Allowance is administered by the Department for Work and Pensions and in the Northern Ireland by the Social Security Agency. This article will act as a multi-step guide that will help you to understand how to easily Claim JSA in order to save time and money.

How to Apply for JSA

Step 1 – Check if you are eligible for Job Seekers Allowance
Step 2 – Make a JSA Claim, take an interview at the Jobcentre Plus office
Step 3 – Keep looking for work and sign the bimonthly agreement

JSA Eligibility

You can get Job Seekers Allowance only if you:

– are at least 18 years old
– live in England, Wales or Scotland
– are looking for work
– can start working immediately
– are not studying in full-time education
– are under State Pension age

Types of Jobseeker’s Allowance

After reading all the required conditions for JSA eligibility, you can make a JSA claim. You need to know there are different types of Job Seekers Allowance.

– Contribution-based JSA
– Income-based JSA
– New style JSA over the phone

Contribution-based JSA is also known as Class 1 National Insurance contributions. You can apply for the New Style JSA if you are eligible for Universal Credit or for income-based JSA also known as your income and savings. The type of JSA will be decided by the Jobcentre Plus office if you are eligible for the contribution-based or income-based JSA. If you apply for a “new style JSA” you need to request a different application.

Apply for Contribution-based JSA

You can get this type of JSA only if you paid contributions to the Class 1 National Insurance for at least 2 years before the current benefit year. Your benefit year is starting on the first Sunday in January and will end in the next year on the first Sunday in January. There are different national insurance classes to see if you can get this type of JSA, as you can see below:

  • Class 1 – employees under State Pension age earning more than £155/week
  • Class 1A, 1B – employers pay directly the employee’s expenses
  • Class 2 – self-employed people, only if earning more than £5,965/year
  • Class 3 – voluntary contributors to avoid gaps in the National Insurance
  • Class 3A – voluntary contributors to top up the pension
  • Class 4 – self-employed people with a profit more than £8,060/year

If your partner works or even if you have savings, you can still get a contribution-based JSA.

Apply for New Style JSA

You can apply for a new style JSA if you are eligible for Universal Credit or if you are a single person living in England, Scotland or Wales; if you are a part of a family or a couple that lives in a Universal Credit area. The new style JSA works similar with the contribution-based JSA, meaning that your new style JSA paid it is not affected if you have savings or your partner is working. You can get in the same time the Universal Credit and the new style JSA, or just the new style Job Seekers Allowance on its own. When you take them both at the same time, the JSA payment is deducted from Universal Credit.

Apply for Income-based JSA

For the Income-based Job Seekers Allowance you may apply if you are working less than 16 hours per week, if you have no more than £16,000 in savings or if your partner is working no more than 24 hours per week. Getting a Universal Credit and an income-based JSA at the same time is not possible.

Apply for JSA online

Apply for JSA online
You may apply for JSA online only for contribution-based and income-based JSA. To do that you need to follow some steps.

Step 1 – Enter the JSA Online claim page

JSA online application page
The first step you need to take is to go to the Jobseeker’s Allowance Online claim page and Start a new application or Return to a saved application.

Step 2 – Start a new JSA application online

Start a new JSA application online

When you Start a new application from this page you need to have a National insurance number, a phone number where you are able to receive a call, you need to be able to complete your own application and you:

– must not have received Employment and Support Allowance in the last month
– must not want to claim JSA from a future date
– must not have an appointee
– must not live in Northern Ireland
– must not want to reclaim JSA if you have finished a training course on a Jobcentre

Step 3 – Review Job Seekers Allowance Conditions

JSA Review Terms
Before starting the application you are advised to check the Eligibility before applying for JSA. You are informed about the questions you are going to answer in the next step, like your previous job, other benefits, training and education. A normal application should not take more than 40 minutes. You need to prepare information about your family, about saving and income, where you are living, if you have to pay rent or mortgage, who is living with you and other details about your education. You will also have to provide information about your bank where you are supposed to receive your JSA payments.

If your JSA application is successful you will be contacted on the phone or by text in two days with details about a visit to the nearest Jobcentre Plus office. You should be waiting for a sign from Monday to Friday, 7 AM to 9 PM and on Saturday and Sunday from 9 AM to 5 PM. Sometimes it is possible that an appointment to be on the same day that you fill the application. It is important to know there are 7 waiting days until you get any money from JSA.

Step 4 – Enter your Postcode

JSA enter postcode
In step four you just have to write your postcode and hit save and continue.

Step 5 – JSA Eligibility Check

JSA Eligibility Check

In step 5 you need to fill your Date of birth, your sex, if you have a partner; a partner meaning that you live with someone as a couple or you are married or you have a civil partnership and your partner is at least 16 years old, the partner is living in the same house or temporarily not at the same address. You have to answer also to the question if you have a young person living with you under the age of 20 years old and if you have claimed before an ESA.

JSA Eligibility Information Review

On the next page, you need to answer if you had a JSA at any time before September 15, 2016. Going to the next page, you have to answer if you have savings of more than £16000. If you don’t have, click No and go forward. Review all the information submitted and click Save and Continue.

Step 6 – Get your JSA reference number

JSA Reference Number
On step six you will get a JSA reference number if all the questions you have answered were good for your JSA eligibility. You will need this reference number to note it down for later in case you want to take a break and start your application again. Choose a password, read the Privacy Policy Terms and click Save and Continue if you accept these terms.

Step 7 – Answer to questions about work and benefits

JSA answering questions
In step seven you have to answer work and benefits details. You are asked if you are available and looking for work, if you have a paid or unpaid job at the moment or if you have restrictions imposed by the Home Office on your working right in the UK.
JSA Working detailsYou are also asked if you have any illness or disabilities preventing you from working and if you are receiving any Housing Benefit. On the next page, you need to answer if you want to claim Housing Benefit and if you intend to claim a reduction in your Council Tax at your local authority.

Step 8 – Enter your personal details

JSA Personal Detais

On this step, you need to enter your personal details like the First Name, Surname and Middle name, Relationship status, Nationality and National Insurance Number. Enter all these details and click save and continue. On the next page, you have to tell if you are living in a residential care home, residential accommodation or in a nursing home, you need to provide your contact number, the times when you are available to be contacted and your email address and also some details about family and relationships. On the next step you have to enter your address if you have any disability, your immigration status if it’s the case and if you have worked or claimed any benefit outside of the United Kingdom in the past five years.

Step 9 – JSA Work and Education details

JSA work and education
You have to enter in step 9 details about work and education. You will be asked if you receive child tax credit or working tax credit, if you have been temporarily laid off or if your work has been temporarily stopped. You will be asked if you have been in any government training scheme if you are registered currently on a course, if you have been in college in the last 6 months or if you are on work-based learning for your people.

Step 10 – JSA Pension and Benefits

JSA Pension and Benefits

On the step regarding Pensions and Benefits you will need to answer questions about any payments received as a part of Armed Forces Compensation Scheme or if you receive a pension right now or you are expecting a pension in the next three years. You have to answer also if you receive any benefits with mobility if you are waiting for any benefits claimed, if you had any previous benefits or if you have been in a jury service in the last 12 weeks and if you are a carer for someone else.

Step 11 – JSA Housing

JSA Housing

In this step you have to answer to questions about your housing status like if you live by paying rent or if you own your home; if you are liable to pay the rent on the whole property if it’s the case, if there are any service charges for the home in which you live, if someone lives with you in this property.

Step 12 – JSA Savings and Investments

JSA Savings and Investments

In this step, you will have to answer to several questions regarding savings, investments and other income you may have. You have to answer if you have any National Savings Certificates, how you have supported yourself in the last year, if you have any properties, if someone owes you money, if someone pays you a rent or any other form of payments, if you receive money from any other source, or if you own any shares. Also, you have to answer if you have a bank account, a building society account, post office account, cash, money from a redundant payment, a national savings account, money from the sale of a house, money saved for something, premium bonds, or other savings.

Step 13 – JSA Payment and Summary

JSA Application Summary

On the last step, you need to answer how would you like to be paid by Job Seekers Allowance if you want to be paid directly into an account, your own bank account or another person’s account or you may choose to Provide details at a new jobseeker interview.

Step 14 – Review JSA details

JSA review information

On this final step you need to review all the information provided so far, like your personal details, your claim, details about work, current and existing benefits, when your claim will start, where you live, contact information, family, and relationships, if you have any disability, your immigration status, information about tax and previous work, education and training, current benefits, potential benefits, caring, living arrangements, saving, investments and other types of income. If all the information is correct, click Save and Continue and you are ready for an interview, just wait to be called by someone to give you further instructions. You will receive a call within two working days to go to a JSA interview at your local Jobcentre Plus office. You will not be able to receive JSA payment if you don’t take this interview.

Apply for JSA by phone

Applying for a JSA over the phone is possible only for New Style JSA. Call JSA phone number 0345 600 0723 or JSA textphone 0345 600 0743 if you live in a live service area for Universal Credit, from Monday to Friday, 8 AM to 6 PM or call JSA telephone number 0345 600 4272 and JSA textphone 0345 600 0743 if you live in a full-service area, from Monday to Friday, 8 AM to 6 PM. You will be charged for calling these numbers depending on the digits starting with and your phone provider.

JSA Interview at Jobcentre Plus Office

After making a claim online for a Contribution-based or Income-based JSA, or for a New Style JSA over the phone, you will receive a phone call or a text within 2 working days from the time of your application for an interview at the local Jobcentre Plus Office. You will have to bring with you three important set of documents: your P45 form, primary identity documents, and secondary identity documents.

  • P45 is a form that you got from your former employer when you stop working there and it shows how much salary you had and how much tax you have paid and it has four parts, part1, part 1a, part2, and part3. Your employer must give you this form by law, so you have to ask them for this form
  • Primary identity documents include your passport, your driving license, your biometric residence permit, your permanent residence card and your certificate of naturalisation as a British citizen
  • Secondary identity documents include your birth certificate, a marriage certificate, your utility bill, bank statement and Council Tax bill

JSA Claimant Commitment

When you are at your Jobcentre Plus Office for the JSA interview, you will have to sign an agreement to look for work called JSA Claimant Commitment with your work coach. This person will let you know what exactly you need to do when looking for work, how to write a CV or how to register with recruitment agencies or how many hours you have to spend looking for a job every week. This agreement will depend on your responsibilities at home, on your health or on how much help you need to find a job.

JSA Benefits Calculator

entitledto calculator
The amount of money that you will receive from JSA will depend on your age, on your income and savings. People from 18 to 24 years old will receive up to £57.90 per week, people from 25 years old or more will receive up to £73.10 per week and couples will receive up to £114.85 if both are 18 years old or more. JSA Payments are made every two weeks and are being paid to your bank account, a building society or a credit union account.
Turn2us Benefits Calculator
You can use an independent benefits calculator where you could find how to claim JSA, what benefits you can get or how your benefits are affected when you get a job. These benefits calculators are anonymous and free to use. You can use Entitled to or Turn2us. To use these benefits calculators you will need information about your income, about your savings, existing benefits, and pensions, outgoing such as mortgage or rent, council tax bill. You can not use these benefits calculators if you are a student, a prisoner or if you are under 18 years old if you are not a British citizen or living outside the United Kingdom.

JSA Sanctions

JSA lower intermediate sanctions
You can have your JSA benefit payment stopped for several weeks and this is called a sanction. You can get three types of sanctions, lower, intermediate or higher level. The sanction can have from 4 weeks to 156 weeks long. You can get a sanction if you haven’t been looking for work, or if you left your last job without a good reason.

You will receive a lower and intermediate level sanction if you don’t go to meeting with your work coach, if you don’t do what this person tells you to do like how to find work, or if you don’t take part in work schemes provided by your work coach. The lower and intermediate sanctions can be from 4 to 13 weeks. You claim can be ended if you are not actively seeking for work.

JSA Higher Sanctions

You can get a higher level sanction of 13 to 156 weeks if you were dismissed from your last job for misconduct, if you left your job for no good reason, if you don’t apply for suitable jobs, or if you don’t take your work coach advice regarding a work scheme.

What Is The Difference Between JSA And Universal Credit

  • While for Universal Credit there is no limit to the numbers of working hours on a week, for JSA there is a limit, you can get for example the income-based JSA just if you work less than 16 hours per week.
  • Jobseeker’s Allowance is paid usually every two weeks, while Universal Credit is paid every month.
  • If you get sanctioned for JSA you can still have your council tax and housing benefit paid, but if you are sanctioned for Universal Credit, these benefits will be stopped for the duration of the sanction.
  • For JSA you are required to complete minimum 3 steps each week to find a job, while for Universal Credit you are required to search for a minimum of 35 hours per week and you need to prove that.

DVLA Provisional Licence: Costs, Lost, Renewal, Replacement Prices and Numbers

DVLA also was known as the Driver and Vehicle Licensing Agency is a government organisation in the United Kingdom. It is responsible for maintaining the database of drivers in Great Britain. It is also a database of all vehicles in the UK. In Northern Ireland, this government agency is called Driver and Vehicle Agency – DVA. The agency is responsible for issuing driving licences, collect road taxes and sells personalised registrations. In this article, you will learn how to get your DVLA provisional licence.

What is a DVLA Provisional Licence?

A DVLA Provisional Licence is a driving licence that will give you permission to drive a moped, a motorbike or a car on the United Kingdom roads. However, it does not permit you to drive on motorways alone. Only with the supervision of a driving instructor or even another driver that is over the age of 21 years and who owns a driving licence for more than three years.

You may apply for this DVLA provisional licence only if you are at least 15 years and 9 months old. When you get this provisional licence you can ride a moped or a light quad bike only when you are at least 16 years old and you can drive a car when you are at least 17 years old. There are different ways to apply for a DVLA provisional licence, you can apply online, by post or at a Post Office.

Provisional Driving Licence Price

The DVLA Provisional Driving Licence price may vary depending on the way you send your application. If you apply for a DVLA provisional licence online, you will have to pay a fee of £34 by debit or credit card. If you apply by post you will have to send a fee £43 by cheque or postal order payable to DVLA and you have to know that cash is not accepted, so don’t send cash along with your documents.

DVLA Provisional Driving Licence Eligibility

In order to get your provisional driving licence, you need to meet some requirements:

  • you need to be 15 years and 9 months old at the time of  application
  • your vision has to be good enough to read a number plate from 20 metres
  • you have to provide an identity document
  • you must provide an address where you have lived in the past three years
  • you have to be able to pay £34 by debit or credit card
  • you need to know your insurance national number

DVLA Provisional Licence Application

To get your first provisional driving licence for a car, moped or motorbike you can go to the DVLA online and start an application. To do that, follow the steps below:

Step 1 – Go to DVLA provisional licence application page

step 1 application dvla provisional licence
The first step is to go to the government website in section Driving and Transport and then Driving Licences, then click Apply for your first provisional driving licence. On this page, you have to click the Start now button as you can see in the picture above.

Step 2 – Start the DVLA provisional licence application

step 2 apply dvla provisional licence

On the next page, you will have to find the section it is suitable for you. If you are an existing user you need to click Log on, if you have forgotten your Government User ID just click Re-register button and if you are a new customer just click the Register link. You are instructed not to use your back, forward or refresh buttons on your browser when you start the application, just use the buttons inside the application. You need to have at hand all the necessary documents and you have to make sure you enter your details, not other person’s details.

DVLA Encryption

On the next page, you are informed that your data is secure on this government website and that you can be confident in their services. If you click this link you will learn that all the information that you enter are sent through the SSL protocol which is a secure link between your browser and the government server. The encryption used is a 128-bit encryption so there is no need to worry about.

Step 3 – Enter Your Personal Details

dvla provisional licence personal details

On this step, you have to enter your personal details like the gender, your first and last name, date of birth, country of birth and then click the Next button on the bottom right of the page.

Step 4 – Enter your Address

Enter Your Address

On Step 4 you need to enter your address. To be easier, just enter your postcode, click next and then select your address from the list. Click Next again and you have to enter how many years you have been living at this address. If you have lived at a residence for less than 3 years you will be asked to give multiple addresses.

Step 5 – Enter your identity details

dvla identity details

On this step of the DVLA provisional driving licence application you need to enter your Home telephone number, your Daytime telephone number, your Marital status, your Birth surname, your Mother’s maiden name and your Place of birth.

Step 6 – Enter Your National Insurance Number

national insurance number

In step 6 you have to enter your National Insurance Number because this may help process your application quickly. If you don’t provide this number it may be possible to have to send by post additional paper documentation to confirm your identity.

Step 7 – Enter Your Passport Number

dvla passport number

On this step, you have to enter your passport number. Look into your password and type correctly your passport number and then click the Next button. In case you don’t want to provide your UK passport number or if you don’t have a UK passport, just click the Next button to continue with the application.

Step 8 – Photo and Signature

dvla photo and signature
On this step of your application, you have to give your agreement about retrieving your photo and signature from the HM Passport Office database. You have two options, you can agree to accept or not. But if you click “Do not attempt” you will have to send a photograph and completion by post. So in order to save some time and money, choose “Attempt to retrieve the passport photo and signature”.

Step 9 – Choose a DVLA password

DVLA password

Choose a password to register with the Government Gateway and you will be given a User ID later. Enter a memorable password between 8 and 12 characters and be sure to choose a combination of numbers and letter, without any space.

Remaining Steps – Privacy Based

  • Step 10 – Review application
  • Step 11  – Submit Card details
  • Step 12 – Confirm your application

Apply for a DVLA Provisional Licence by Post

You will be able to apply for a DVLA Provisional Driving Licence by sending a form through the post. The postal application will take up to three weeks and you need to include your original documents that will confirm your identity, a colour passport style photo, a fee of £43 by cheque or postal order payable to DVLA(remember not to send cash). When you are ready to send your application and payment, you need to send it to DVLA, Swansea, SA99 1AD – in case your documents are from the United Kingdom.To apply for a DVLA provisional licence by post you need to follow these steps:

You will have all personal documents returned in the end with your provisional licence photo card.To apply for a DVLA provisional licence by post you need to follow these steps:

To apply for a DVLA provisional licence by post you need to follow these steps:

Step 1 – Order DVLA Provisional Licence Form

order dvla forms

The first step is to order DVLA forms by clicking the Start Now button. You will need to enter on the next step a UK address and you can even download some of them, but not all of these forms can be downloaded because it may include a plastic window to attach your photo. For a DVLA provisional driving licence, you need to order a D1 pack.

Step 2 – DVLA Form Enter Details

DVLA Forms enter details

Enter your Name, House number, street address, City, County, Postcode and click D1 Pack which means the application for a driving licence for a car, moped or motorcycle.

Step 3 – Compile All Required DVLA Provisional Licence Documents

If you want to apply for a DVLA provisional driving licence by post you need to send an identity document with your application. If you have a biometric passport, you don’t have to send an identity document, just send the 9-digits passport number. If you don’t have a biometric passport, send the following documents:

– a current passport that is valid also
– your biometric residence permit also known as BRP
– a European national identity card
– a travel document

These documents must be sent with your original provisional driving licence application. If you don’t have an EU national identity card or an EEA passport, you will have to send a VISA that proves you have the permission to live in the United Kingdom. Remember you can not use certified copies or photocopies.

How to Replace a Lost DVLA Provisional Licence

If you lost your Provisional Driving licence, or it is damaged or destroyed, you can get a replacement online. If it is stolen you need to contact the police first. Then you ask for a replacement by using your Government Gateway ID that you got when you applied in the first place for your DVLA provisional driving licence. To replace it you need to meet these requirements:

– you have to be a resident of Great Britain
– you must not be disqualified from driving
– you need to be able to pay a £20 by debit or credit card
– you must provide an address where you lived in the past three years
– you have to provide your provisional driving licence number
– you must provide your National Insurance number
– you need to provide also the passport number

If you find your provisional driving licence later, you have to send it by post to DVLA explaining that you find it after replacing with a new one. You must send it to this address: DVLA, Swansea, SA99 1AB.

DVLA Provisional Licence Contact Number

DVLA provisional licence contact number
The DVLA Provisional Licence number is 0300 790 6801. You can call between Monday to Friday, 8 AM to 7 PM and on Saturday from 8 AM to 2 PM. You may contact DVLA if you have inquiries about your provisional licence application, about a replacement if lost or damaged, in case you need to renew it after you have been disqualified or if you want to exchange it.

Provisional Driving Licence Change of Address

provisional licence change address
In case you changed your address you need to contact DVLA to have your address replaced on your Provisional Driving Licence. There is no cost for this change and you can still drive while you will be waiting for the new licence. It is very important knowing that you can be fined for up to £1,000 if you will not inform DVLA about the change of your address. To change your address you will need the following:

– your Government Gateway ID
– your provisional licence
– you need to be a resident of Great Britain
– you have to able to give your address where you lived in the past three years
– you must not be banned from driving

You have to able to provide the provisional licence number, your National Insurance number, and the passport number. You need also to change the address on the log book of your car or vehicle and in the vehicle tax Direct Debit.

DVLA Provisional Driving Licence Review

DVLA Provisional Licence is a driving licence that you need in order to drive a car, a moped or a motorbike if you are not old enough to have a driving licence. To get one you need to be at least 15 years and 9 months old, you need to have a good eyesight, you need to be able to provide a UK address, to be able to pay a £34 by credit card and to know your National Insurance Number.

You may apply online or by post, or even in a Post Office. When you submit your application online you need to enter accurate information because the system automatically checks your data. When you send your application by post you need first to order the D1 form and when this form will get to your place you need to send the original documents, not any copies or photocopies. When you apply On a Post Office you have to take the original documents with you. You need to know that processing your application may take up to 2 weeks if you applied online, or even 3 weeks if you applied by post.

ESTA Renewal for UK Citizens to USA – Electronic System for the Authorization

What is ESTA?

ESTA is an electronic system for the authorization of travelling into the United States for people living in countries part of Visa Waiver Program.

The VWP is a special program allowing citizens from countries with high-income economies such as Australia, Japan, Germany, United Kingdom, Spain and others, to enter the US for a 90-days period without a visa requirement. 38 countries are part of the Visa Wave Program.

Arrival is required by air or by cruise ship only. The Electronic System for Travel Authorization is automated and when you want to get approval you just need to fill a form with some of your personal data. This article will help you understand how to renew your ESTA if you are a UK citizen travelling to the US.

When do you need to renew your ESTA?

An approved ESTA application is available for two years from the moment of issue or until the expiration of your passport. So if you want to renew your ESTA, you have to do that before going to the United States. In case there will be issued a new passport, you will need a new ESTA, also you will need it in case you change your name, if you change your gender, your country or citizenship. It is recommended that you apply for a new ESTA authorization when you know for sure you are going to travel into the United States. In case you are in the United States when your ESTA will expire, this thing will not affect your travel.

ESTA Pricing

You will have to pay a processing charge of $4 and an authorization fee of $10 in case your application is approved. You need to prepare a payment method before requesting a new ESTA authorization. If your electronic travel authorization is not accepted, you will be charged only for the processing charge.

How long does an ESTA renewal process take?

If you are approved for an Electronic System for Travel Authorization already, you will receive a response immediately. When more time is needed, a response will be available within 72 hours.

There are three possible answers:

  • Authorization Approved – this means you are approved and you are able to travel into the United States under the Visa Waiver Program
  • Travel Not Authorised – this means you are not authorised to travel to the U.S. under the Visa Waiver Program, but you may still apply for a visa
  • Authorization Pending – this means your travel authorization is under review and you will receive a response within 72 hours. You may return to the website to check your ESTA status.

If you have any questions simply click the “Ask a Question” button on this US Gov web page.

ESTA General Renewal Terms

ESTA General Renewal
You need to know that if your old ESTA authorization is expired, there is no possibility to extend that, you just have to submit a new application and all the steps for doing that will be presented inside this article, below.

Go to the ESTA authorization page and follow the instructions. If your ESTA has expired or will expire soon, you can resubmit a new application at any time. A new application will cancel the existing application. ESTA is available for two years or until the passport expires. You may enter multiple times into the U.S. territory with this ESTA authorization.

How to Renew ESTA authorization

If you want to renew your ESTA authorization to travel in the United States, you need to meet some requirements. The process of the ESTA renewal will take only 20-30 minutes online. In order to renew your ESTA authorization, you have to meet some requirements and then to take some additional steps.

Am I eligible to Renew? I must be/have:

  • You are a United Kingdom citizen (England, Wales, Northern Ireland and Scotland)
  • You do not have a visitor visa in your passport
  • You intend to travel for 90 days or less
  • You want to travel to the US for pleasure and/or business only

What Do You Need to Apply for an ESTA Renewal:

  • You need a valid United Kingdom Passport
  • A credit card/debit card (VISA, Mastercard, American Express, Discover) or Paypal account
  • Available contact details
  • Employment information if possible

Step 1 – Enter The Official ESTA Application Page

ESTA Homepage

Entering the main ESTA authorization page of the U.S. Customs and Border protection website will give you the possibility to find the best source of information in order to renew your ESTA authorization.

Step 2 – Understand What Is Your Actual ESTA Status

Esta Status

If you haven’t asked for a renewal of your ESTA yet, just click the New Application button. If you have requested one, just click the button Check Existing Application.

Step 3 – Apply For A New ESTA

ESTA Application

Verify if you are eligible to apply for a new ESTA and then choose the type of application, Individual application or Group applications. If you are a returning applicant, you have to check your Individual status or check group status.

Step 4 – Confirm Acceptation of Privacy Terms on ESTA application page

ESTA terms and privacy

You are informed that all information that you provide on this page is the property of Department of Homeland Security, part of the U.S. Government. So you need to confirm that you accept these terms. If you accept that, just click the Confirm & Continue button.

Step 5 – Read the Disclaimer and Confirm Acknowledgement

ESTA Disclaimer

By reading this disclaimer you will understand that ESTA is performing proper checks inside law enforcement databases to look for any bad history about your related to your future admission into the United States.

Before boarding, you will need to obtain this ESTA authorization. When your ESTA is approved, this doesn’t mean that you are automatically admissible to the US under the VISA Waiver Program. Rather this means you are able to travel to the US. Once you arrive in the United States, your admission will be established by a U.S. customs and Border Protection officer.

This person is the only one to determine if you are admissible into the US, even if you have an ESTA available. In case your ESTA application is not approved, this doesn’t mean you cannot travel to the United States with a VISA. You are informed that you need to provide accurate information and any false information you provide may be subject to criminal or administrative penalties. Once you have understood the disclaimer terms, click Yes or No and click the Next button.

Step 6 – Enter ESTA Applicant Information

ESTA Application Information

On the ESTA Application Information page, you will have to enter the details required for your authorization.

  • Family Name
  • First Name
  • Gender
  • If you are known by other names or aliases
  • Date of Birth
  • City of Birth and Country
  • Passport Number
  • Country of Citizenship
  • Issuance date and Country, expiration date and other required information.

You have to give additional information about your parents, information about Social Media (this is optional). Also, you have to provide Employment information like Job title, Employer name and Address and then when all information is provided, just click the Next button to go further.

Step 7 – Enter the Travel Information

This includes information like the last city where you will be boarding on an aircraft before arriving in the U.S. on this trip; Carrier Name on which you are travelling to the U.S., flight number or vessel name; the address while in the U.S. – enter the address where you will be staying in the United States and if you are staying in multiple locations, enter just the first one, the city where you will be staying and the State, you are also encouraged to include the itineraries you will be having in the U.S.

Step 8 – Answer Eligibility Questions

This is information like if you have a communicable disease (such as Chancroid, Granuloma inguinale, HIV, Leprosy, Syphilis infectious stage, Tuberculosis active); any Physical disorders or Mental health problems.

You should answer No if you don’t have any of these physical or mental disorders; if you are a Drug addict or Drug abuse. You have to tell if you have been arrested or convicted a crime or an offence regarding a controlled substance. You also need to answer if you are involved or you have been involved in sabotage or espionage, if you want to work in the U.S. or if you ever have been detained, withheld or retained custody of a child from a United States citizen. You should answer if you have been denied for a U.S. VISA in the past or if your VISA has been cancelled and if asserted immunity from prosecution.

Step 9 – Review your Application

Check if you have completed all the correct information and modify any mistakes.

Step 10 – Pay the Processing Fee

Be prepared to be charged in case your ESTA authorization is approved.

How long is your ESTA valid?

If your application is approved, you will be able to travel multiple times into the United States inside the two years period or until your passport expires. Your ESTA may be revoked at any time for different reasons and you will not be able to use it anymore. If you are inside the U.S. and your ESTA will expire, this will not affect your travel. The validity of your ESTA is for two years, but you may stay in the United States for a period of 90 days or less. In case you intend to stay more, you have to apply for a VISA at the nearest U.S. consulate or embassy.

ESTA Renewal Overview

So in order to renew your ESTA authorization you need to know some things. First and most important is that your current ESTA cannot be extended, you just have to apply for a new one.

There is a big difference between a VISA and an ESTA authorization. ESTA is available two years from the time of application or until the passport expires. To be eligible for an ESTA you have to be a British citizen and to meet some other requirements as explained in the article above. You will have to pay a $14 fee for a successful ESTA application.

f you are approved you will receive a response immediately. When more time is needed, the answer will come in 72 hours. If you are approved for an ESTA this means you are eligible to travel to U.S., but this does not guarantee your admission to the United States. Upon arrival, you will be inspected by Customs and Border officers that may determine if you are admissible into the United States.

How to Apply for the Argos Card

Argos is a British retailer company selling both in more than 750 physical stores and in the online, with more than 800 million visits every year. With more than 50,000 employees and sales of £4.282 billion in 2009, Argos is one of the biggest retailers in the United Kingdom. It was founded in 1973 and it was listed on the London Stock Exchange in 1990 and in 2016 it was acquired by the UK supermarket chain Sainsbury’s but it still operates under the Argos brand. If you are an Argos customer and you need to apply for an Argos card, this article will help you understand how to easily do that to save time and money.

What is an Argos Card?

Argos Card is actually a credit card and you can use it when you buy from an Argos store, on the online Argos store, via the app or by the phone. It’s like any other credit cards, the earlier you pay your balance, the less interest you will be paying. There are several plans available to buy now and pay later and these plans depending on how much you intend to spend. These plans range from 3 to 12 months. When the pay later period approaches you will receive details of what you have left to pay and if you have paid the plan by the end date, there is no interest to be paid, but if you don’t pay in full, you will have to pay interest.

Argos Card Eligibility

Argos Card eligibility
To apply for an Argos Card you need to meet some requirements:

  • be at least 18 years old
  • have an address where you stayed for at least 2 years in the past
  • you can provide your bank details
  • you have been a UK resident for at least 1 year

Argos Card Payment Plans

Argos Card Payment Plans
Payment plans you can apply for depends on how much money you intend to spend on Argos stores and you can qualify for some different type of plans. There are two types of plans, Buy Now Pay Later or Normal Credit.

Buy now pay later plan – with this plan you can shop in-store, online, by the phone or via the app. You can pay off your balance at any time before your plan will end or you can pay nothing in the term of your plan. The interest will be higher or smaller if you pay your balance in time or not, if you pay earlier you will be charged less, of course. The buy now pay later plans range from 3 to 12 months and you have the opportunity of not paying any interest if you pay your plan by the end date. If you don’t, you will be charged interest from the date of the purchase.

Normal Credit – it’s like a credit card, you don’t have to pay anything at the time of your purchase with the Argos Cards. If you pay your Normal Credit plan at its time, you will not pay any interest. You can purchase with this Argos Card plan online, in a physical store, by the phone or via the Argos app. So it’s important to know that you will not pay interest if you pay your normal credit plan in time. Of course, you will be charged interest if you decide to spread your cost over a long period of time. You get normal credit if you spend under £50 at Argos. Every month you will receive a statement with information about your balance, your minimum monthly payment, your interest and your payment due date.

How to Apply for an Argos Card?

apply Argos card online in store
There are two ways for you to apply for an Argos card. One possibility is to apply directly to the nearest Argos store where you can ask for an Argos card. Take with you the ID and a proof of your address. The other way of applying for an Argos card is to do that online. If you apply online there are two possibilities, you can Apply and Buy and the other option is to Apply for credit Only. When you apply online for an Argos Card, information submitted on the Argos website will be encrypted, so there is no need to worry about giving your bank card details. The website uses an advanced protection from Verisign and there is a certificate for that. You are advised to use Google Chrome for the best view of the Argos website.

Apply for Argos Card Online

Argos Card apply and buy

Argos Card Apply and Buy

If you choose to Apply and Buy option you just have to add items in your trolley and when you are ready to pay, just select Apply for an Argos Card on the payment page. Let’s say we add on our trolley an Apple MacBook Pro 2016 13.3 Inch Ci5 8GB 256GB – Space Grey that costs £1449.00. On the trolley page, you can see that Argos is offering you the possibility to apply for an Argos Card.

Argos Card offer in trolley

Buying this Apple Macbook Pro for £1449 you qualify for three credit plans: 12 Months Buy Now Pay Later plan, 6 Months Buy Now Pay Later plan and Normal Credit plan.

Argos Card 12 Months Buy Now Pay Later Plan

Argos Card 12 months buy now pay later plan
With this plan, if you pay your balance until the end date you will pay no interest. If you don’t pay that balance until the end date, you will pay interest from the date of your purchase. Your APR will be 29.9% APR variable. Your interest-free period will be up to 12 months and you will be paying interest if you don’t pay the balance by the due date. You need to know that there are no repayments necessary during the Buy now pay later period. The annual fee for this plan is 0, there will be no annual fees for this Argos card. These cards are provided by Home Retail Group Card Services Ltd which is part of the Argos Ltd and you can write them a letter to the following address: 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

Argos Card 6 Months Buy Now Pay Later Plan

Argos Card 6 months buy now pay later plan

With this plan, if you pay your balance in time you pay no interest, but if you don’t pay off this plan in full by the end date, then you will have to pay interest on the daily balance from the moment of your purchase and the Representative is 29.9% APR variable. There is no annual fee for this Argos Card and no repayments are necessary during the Buy now pay later 6 months plan. If you pay late, you will also have to pay fees of £12.00 for Late Payment, Collection letter fee and Over credit limit fee.

Argos Card Normal Credit Plan

Argos Card Normal credit plan
As you can see in the image above, for this plan there will be no interest if you pay the cash price before the payment due date on your statement and the representative is 29.9 % APR (variable) for all normal credit plans. For this plan, there is no annual fee, but you pay £12.00 for Over credit limit fee, Late payment fee and Collection letter fee.

Argos Card Apply for Credit only

Argos Card Credit Only

If you want to apply for an Argos Credit Card you have to check first if you are eligible. You must be at least 18 years old to apply for this card, you have to be able to provide an address for the past two years, you need also to be able to provide your bank details and you need to prove that you have been a permanent UK resident for at least 1 years.

Argos Card Application Page

On the next page you will have to Answer some short questions and then you will receive an answer if you are accepted for an Argos card or not. You need to enter your details like name, gender, date of birth, your current address, your bank card details, your bank account details, your personal details like the employment status and your residential status. You need to read the Argo Card terms and conditions and accept these terms if you want to get one. Click continue and you will receive an answer if you are accepted for an Argos card. You need to know that when you provide your details online, a credit search will be performed automatically on you so make sure you write accurate information about you, your bank and other important personal information.

Apply for Argos Card by Phone

Argos Card Customer Service Number

You can apply for an Argos Credit Card by phone if you don’t want to do it online or in an Argos store. To do that just call the Argos Card customer service number 0345 640 0700 and a member of the support team for credit cards will answer all your questions related to eligibility and what kind of papers you need to apply. When you apply over the phone, the member of the customer service team will perform a credit search on you. In case your application is rejected, you can resubmit your application after three months. This customer service telephone number is available from Monday to Saturday, 8 AM to 8 PM and Sunday from 10 AM to 6 PM. You can call this number if you have any other questions related to the Argos credit card, not just for an application.