Archif Newyddion
Penawdau Newyddion
New phone app – help dealing with a trader
Date: 20 June 2012
Over half of British homeowners admit that they forget to ask the right questions when they invite traders into their homes to quote for a job.
TrustMark have just launched a free app for iPhones that prompts you to ask the right questions when having a conversation with a trader. In 11 easy steps, the app advises you what to think about and what your rights are.
The app allows you to:
- generate an instant record of your conversation with a trader
- be prompted to ask the right questions when a trader is in your home and may be quoting for a job (the ‘checklist’ approach helps you ask questions you might otherwise feel a bit awkward about, but which are essential to knowing about the firm and agreeing the work in question)
- record what is agreed using text, photos and recording audio
- email a copy of this conversation to yourself and the trader (creating a record which could help avoid disputes later on, or which could be contractually very helpful if a dispute should arise)
- get advice and tips at every stage, helping to inform you on what to look out for and about your consumer rights
- keep copies of previous conversations for all repair, maintenance and improvement jobs in or around your home.
It is best to get quotes from at least three traders before deciding who will do the work. Using this app, you can compare what you have recorded with quotes from other traders.
TrustMark is a not for profit organisation, licensed by the Government that signposts you to reputable local traders. You can search the TrustMark website to find local traders at www.trustmark.org.uk.
Download the app at www.trustmark.org.uk/apps
If you don’t have an iPhone, you can print a copy of the questions to ask at www.trustmark.org.uk/apps/print/
Tax credits renewal deadline
Date: 19 June 2012
If you've been getting tax credits, you should receive an annual review pack from HM Revenue and Customs (HMRC) by the end of June. HMRC call this a renewals pack.
You must make sure you look at this pack and fill in any forms you need to by 31 July. You must do this even if you are no longer getting any money or expect payments to end soon.
If you don't do this by 31 July:
- you will have to repay any money you've received since 6 April, and any overpayments form previous tax year
- if you're still getting payments, these will stop.
HMRC need you to look at the pack so that they can work out how much your payments should be for the current tax year and make sure they paid you the right amount for the last tax year.
Your annual review pack may contain an annual declaration and an annual review notice or just an annual review notice.
Read through the pack carefully to check that all the information about you is correct and whether you need to contact HMRC.
If you do need to contact HMRC, you can either do this by phone, or by sending your form back in the post to the Tax Credit Office.
If you don't get anything about your tax credits, you can contact the tax credit helpline on 0345 300 3900.
NatWest banking problems – what you can do
Date: 25 June 2012
Many NatWest, RBS and Ulster Bank customers have been hit by an online banking problem which struck at the end of last week.
The RBS Group, which owns these banks, says the IT problem has now been fixed but some customers are continuing to experience problems. The knock-on effect for customers has included:
- wages or salaries not paid in
- not being able to pay rent, mortgage and other direct debit payments
- not having access to cash
- not being able to pay utility and other bills
- being hit with bank charges because of late bill payment
- the possibility of your credit rating being affected.
If you bank with NatWest, RBS orthe Ulster Bank, check to see if any payments due from an account have bounced.
If you've been affected:
- let the bank know as soon as possible. NatWest branches are staying open until 7pm on Monday 25 June, and until 6pm from Tuesday 26 June to Friday 29 June. Some Ulster Bank branches will be aslo open until 7pm till Friday 29 June
- if you're short of cash, ask the bank to help you out – the RBS Group has said they may be able to help some customers on a 'discretionary' basis
- if you've not been paid - talk to your employer to see if they can provide emergency help
- let any companies or organisations you need to pay know soon about the problem – especially TV licence, car insurance, mortgage companies and the council tax department. If you think the cash won't be available, ask if they can delay payment and refund any charges. Ask your bank to provide written evidence that any problems you have had were because of the computer problems and not down to you
- keep a record of how you've been affected – just in case you need to make a formal complaint later on - for example default charges and interest on credit cards if someone had to use one to pay for goods, services, or withdraw money. Put it in writing to your bank and keep a copy.
The RBS Group says it will refund all charges incurred as a direct result of the computer problem. This includes charges incurred by a third party - for example, if you were late paying a non-NatWest credit card or mortgage because your account wrongly showed there wasn't enough money.
If you're out-of-pocket due to a banking error and no fault of your own, you have certain rights. The independent Financial Ombudsman Service says that, whilst it can't comment specifically on the RBS situation, generally in situations like this a bank should put you back in the same position as you would have been in before the error occurred.
You don't bank with the RBS Group but have been affected
If you haven't received a payment due from an RBS Group customer, or your employer banks with RBS, RBS says it will offer help. It hasn't given details yet, but says it will announce these later in the week.
Your credit score has been affected due to a late payment
Ask for a credit report from the three credit reference agencies - Experian, Equifax and CallCredit. This costs £2.00 and will show if there is a default on your credit file because of the late payment of a bill. If there is a default on your credit file, talk or write to the company you owe money to, for example your mortgage company, and explain the reason why. Ask the company to remove the default on your credit file. You could include any evidence you have from your bank which shows the late payment was not down to you but a fault with the bank's computer system.
If the company you owe money to doesn't accept the reason for the late payment, you can apply to add a notice of correction to your credit file which explains the reason for the default.
What happens if you're left out-of-pocket?If you find you're left permanently out-of-pocket because of the computer problems and your bank won't offer any further help, you can make a complaint, using their internal complaints procedure.
You should be able to find details of the complaints procedure in your branch or on their website. If you can't find information about the complaints procedure, ask them to send it to you.
Follow each stage of the complaints process. The bank must investigate your complaint and give you a clear answer within eight weeks.
If the bank doesn't send you a response within eight weeks or you are still unhappy, you may be able to complain to the Financial Ombudsman Service.
How to contact NatWest, RBS or Ulster BankYou can use the following telephone numbers to contact the affected banks:
RBS can be contacted 24 hours a day on the following numbers:
- personal customers – 08457 24 24 24 (from the UK); +44 131 549 888 (calling from abroad)
- business customers – 08457 121 121 (from the UK); +44 7547 121 121 (calling from abroad)
Natwest can be contacted 24 hours a day on the following numbers:
- personal customers – 08457 888 444(from the UK); +44 8705 888 444 (calling from abroad)
- business customers – 08457 11 44 77(from the UK); 44 8705 11 4477 (calling from abroad)
Ulster Bank can be contacted Monday to Sunday 8am-10pm (automated service available 24 hours a day) on the following numbers:
- a dedicated helpdesk for current issues is available - 0800 231 232 (8am-10pm)
- personal customers (Northern Ireland) – 08457 424 365 (from the UK); +44 289 053 8033 (calling from abroad)
Ydych chi’n ei chael yn anodd talu’ch biliau ynni?
Efallai y byddwch chi wedi cael sioc o ddarganfod bod eich biliau ynni wedi codi eto, er gwaethaf y gaeaf mwyn iawn yr ydyn ni wedi ei gael. Hyd yn oed os ydych wedi bod yn defnyddio llai o ynni, efallai bod eich biliau’n dal i fod yn uwch eleni o gymharu â’r llynedd. Efallai y sylwch chi’n arbennig ar hyn os ydych chi’n talu ag arian parod neu siec, neu os ydych chi ar fesurydd rhagdaliad.
Os welwch chi eich bod yn mynd i ddyled gyda’r cwmni sy’n cyflenwi’ch ynni, mae Cyngor ar Bopeth a Llais Defnyddwyr wedi llunio’r cyngor canlynol i’ch helpu:
- Cofiwch gysylltu â’r cwmni sy’n cyflenwi’ch ynni cyn gynted ag y byddwch chi’n sylweddoli eich bod yn cael trafferth talu. Fe fydd dyledion yn cronni ac fe fydd yn anoddach eu had-dalu yr hiraf y byddwch yn eu gadael. Mae’n gyfrifoldeb ar y eich cwmni cyflenwi i’ch helpu os ydych yn cael trafferth talu’ch bil.
- Dywedwch wrth eich cwmni cyflenwi faint fedrwch chi fforddio’i dalu – rhaid iddyn nhw ystyried hyn wrth gytuno ar ad-daliadau ar y swm sy’n ddyledus.
- Holwch eich cwmni cyflenwi ynni, eich canolfan Cyngor ar Bopeth leol neu ffoniwch Llinell Gymorth Gwres yn y Cartref ar 0800 33 66 99 i ddarganfod mwy am gymorth rad ac am ddim arall sydd ar gael gydag ynni. Er enghraifft, efallai y byddwch yn gymwys i gael gostyngiad oddi ar eich bil, neu inswleiddio rhad ac am ddim i’ch helpu i atal gwres rhag dianc o’ch cartref ac i dorri’ch biliau.
- Hyd yn oed os ydych chi mewn dyled, efallai y byddwch yn dal i fedru newid at ddêl ratach gyda’ch cwmni cyflenwi presennol, yn enwedig os ydych chi’n talu gydag arian parod, siec neu fesurydd rhagdaliad. Os ydych yn talu gyda mesurydd rhagdaliad ac mae gennych lai na £200 o ddyled, fe fyddwch hefyd yn medru newid at ddêl ratach gyda chwmni cyflenwi arall.
- Mae help ariannol ar gael a allai sicrhau ei bod yn haws i chi fforddio’ch biliau – sicrhewch eich bod yn derbyn yr holl fudd-daliadau a chredydau treth sy’n ddyledus i chi trwy gysylltu â’ch Canolfan Cyngor ar Bopeth leol neu bori trwy ein hadran Budd-daliadau.
Tax allowance changes for people aged 65 and over in the Budget
There has been a lot of press coverage of the news in the Budget that the personal tax age allowance for people aged 65-74 will rise to £10,500 from April, and for those 75 and over will be £10,660 from April and that the allowances will be frozen at that point. This means that the £10,500 allowance will be frozen at that level for people born between 6 April 1938 and 5 April 1948, and the £10,660 allowance will be frozen at that level for those born before 6 April 1938.
It was also announced that from 6 April 2013, people who turn 65 on or after this date will no longer get an age allowance. This means that no-one born after 5 April 1948 will get an age allowance - they will stay on the basic personal allowance. And the higher rate for those aged 75 and over will be only for those born before 6 April 1938. HMRC estimates this will mean an average loss to someone aged 65 of £83 from April 2013. It also means that a large number of people aged 65 or over who would have been exempt from income tax because they received higher personal allowances will have to pay it from April 2013, and 300,000 may have to pay higher rate tax.
So, in addition to the rules about who can get the married couple’s allowance (where entitlement is limited to couples if one of them was born before 6 April 1935), there will be a range of tax allowances fixed by date of birth. Further information about the changes is available on the Low Incomes Tax Reform Group website at www.litrg.org.uk
Crisis loan changes
The government has announced changes to crisis loans from 9 April.
From that date:
the maximum crisis loan for living expenses for non-householders is reduced to 30% (from 60%) of the appropriate benefit personal allowance rate. It will remain at 60% for householders and people without accommodation
crisis loans awarded because someone has been awarded child tax credit but has not yet received it will no longer count towards the limit of three crisis loans for living expenses in twelve months.
Newidiadau i gredydau treth
Os ydych chi’n cael Credyd Treth Plant neu Gredyd Treth Gwaith, efallai y bydd y newidiadau sy’n digwydd i gredydau treth ar 6 Ebrill yn effeithio arnoch chi.
Mae’r newidiadau’n cynnwys y canlynol:
- Mae’r terfyn ar y swm fedrwch chi ei ennill a chael Credyd Treth Plant yn gostwng, o tua £41,000 y flwyddyn i tua £26,000 os oes un plentyn gennych neu dua £32,000 os oes dau blentyn gennych. Ond, canllaw bras yw hwn ac fe allai fod yn wahanol mewn rhai amgylchiadau, er enghraifft os ydych yn talu am ofal plant, yn anabl neu mae gennych fwy o blant
- Fe fydd yn rhaid i barau sydd ag o leiaf un plentyn ac sy’n cael Credyd Treth Gwaith weithio o leiaf 24 awr yr wythnos rhyngddynt yn hytrach na dim ond 16 awr. Rhaid i un ohonynt hefyd fod yn gweithio o leiaf 16 awr yr wythnos
- Os yw’ch incwm yn gostwng £2,500 neu lai mewn blwyddyn dreth, ni fydd hyn yn cael ystyriaeth hyd nes y flwyddyn dreth nesaf. Ond, os yw’n gostwng dros £2,500, fe fydd CThEM yn ailgyfrifo’ch credydau treth ond fe fydd yn anwybyddu’r £2,500 cyntaf. Fe fydd yn rhaid i chi aros tan y flwyddyn dreth nesaf ar gyfer unrhyw gredydau treth ychwanegol sy’n ddyledus i chi am fod eich incwm wedi gostwng. Ond, dylech ddweud wrth CThEM ar unwaith am unrhyw newidiadau i’ch incwm.
- Os ydych yn cyflwyno cais newydd, neu mae’ch amgylchiadau’n newid ac mae’n golygu y dylai’ch taliadau gynyddu, fe fydd yr arian ychwanegol a gewch yn cael ei ôl-ddyddio am un mis yn unig, yn hytrach na thri mis
- Os ydych yn cael ‘elfen 50 oed a throsodd' Credyd Treth Gwaith, fe fydd hyn yn dod i ben. Ni fydd unrhyw un yn medru hawlio hwn ar ôl 6 Ebrill
Oherwydd y newidiadau hyn, efallai na fyddwch yn cael eich credydau treth mwyach os yw’ch incwm yn rhy uchel ar ôl 6 Ebrill, neu efallai y bydd yn rhaid i chi weithio oriau ychwanegol er mwyn parhau i gael y credydau treth.
Ond, os yw’ch amgylchiadau’n newid ac mae’n golygu y gallech chi gael credydau treth ychwanegol, er enghraifft mae eich incwm yn gostwng dros £2,500 yn y flwyddyn dreth newydd, neu os ydych yn cael babi newydd, dylech ddweud wrth CThEM ar unwaith. Efallai y bydd hyn yn golygu eich bod yn dal i gael eich credydau treth ar ôl 6 Ebrill.
Am fwy o wybodaeth ynglyn â’r holl newidiadau, rhowch glic ar wefan Directgov yn www.direct.gov.uk
Gwarantiadau estynedig
Mae’r Swyddfa Masnachu Teg (yr OFT), sef gwylgi defnyddwyr y llywodraeth, yn poeni efallai nad ydych yn cael gwerth llwyr am eich arian os ydych yn prynu gwarantiad estynedig.
Mae gwarantiad estynedig yn fath o yswiriant ar gyfer nwyddau, ac felly os yw’ch nwyddau’n torri neu’n cael eu difrodi, cewch atgyweiriad neu eitem arall yn eu lle heb unrhyw gost ychwanegol.
Fel arfer, gofynnir i chi os ydych am brynu gwarantiad estynedig pan fyddwch chi’n prynu nwyddau fel peiriant golchi, teledu neu liniadur. Ond, yn aml, ni chewch ddigon o wybodaeth i fedru penderfynu os oes angen gwarantiad arnoch go iawn, ac os fedrech chi gael gwell bargen yn rhywle arall.
Dyma air o gyngor os ydych yn ystyried cael gwarantiad estynedig:
- mae’n ddewisol – nid oes rhaid i chi ei brynu – os oes nam ar y nwyddau yr ydych yn eu prynu, mae gennych yr hawl i gael ad-daliad, atgyweiriad neu eitem arall yn eu lle gan y siop a werthodd y nwyddau i chi, waeth a oes gennych warantiad ai peidio
- meddyliwch os ydych chi’n debygol o’i angen – mae llawer o nwyddau’n costio llai i’w prynu eto na chost y gwarantiad
- holwch os oes darpariaeth gennych yn barod – rydych yn debygol o fod â darpariaeth gwarant rhad ac am ddim gan y gwneuthurwr am y flwyddyn gyntaf, neu efallai bod eich polisi yswiriant ar gyfer cynnwys y cartref yn cynnwys darpariaeth o’r fath
- chwiliwch y farchnad – nid oes rhaid i chi brynu gwarantiad o’r man sydd wedi gwerthu’r nwyddau i chi. Yn aml, mae’n rhatach cael polisi yswiriant ar wahân o rywle arall
- holwch am fanylion llawn y ddarpariaeth a fyddai gennych – os ydych yn dal i gredu ei fod yn werth yr arian, mae gennych hyd at 30 diwrnod i brynu’r gwarantiad o’r lleoliad yna
- fe allwch newid eich meddwl ynglyn â gwarantiad yr ydych eisoes wedi’i brynu – er enghraifft, mae gennych hyd at 45 diwrnod i ganslo gwarantiad am nwyddau trydanol
Mae rhai adwerthwyr wedi addo gwella’r ffordd y maen nhw’n gwerthu warantiadau estynedig. Fe allai hyn gynnwys sefydlu gwefannau cymharu a darparu mwy o wybodaeth yn y siop ynglyn â darparwyr eraill.
Nawr, mae’r OFT yn ystyried a yw’r mesurau hyn yn ddigonol neu a oes angen gwneud mwy i roi’r wybodaeth sydd ei hangen ar ddefnyddwyr i ddewis yn ddeallus.
I ddarganfod mwy am warantiadau estynedig, rhowch glic ar wefan yr OFT yn www.oft.gov.uk
Get scams-wise
Lots of people have problems with scam mail. This might be letters, emails or text messages trying to get you to join a scheme and con you out of money. Schemes to watch out for include fake lotteries, get rich quick schemes or bogus health cures.
Some of the tell-tale signs of a scam are:
- extravagant promises – if it sounds too good to be true, it probably is
- you're asked to pay for something upfront. For example, you have to pay a fee to claim a prize
- you're put under pressure to make a quick decision. For example, an investment opportunity will end unless you pay straightaway
- you're asked for your bank account details or other personal information.
Don't give out your bank details or other information, such as your name and address, to anyone you don't know. If you give out your bank details, money could be stolen from your account. Personal information can be used to steal your identity.
If you receive scam emails or letters, don't reply. If scammers get a reply, they'll try and send more messages.
If you've lost money to a scam, report it to the police and Action Fraud, the national fraud reporting centre on 0300 123 2040.
You can find more information about scams and how to protect yourself on the Directgov website at www.direct.gov.uk
Extended warranties
The Office of Fair Trading (OFT), the government consumer watchdog, is concerned that you may not be getting full value for money if you buy an extended warranty.
An extended warranty is a form of insurance for goods, so that if your goods break or are damaged, you can get them repaired or replaced at no extra cost.
You'll typically be asked if you want to buy an extended warranty when you buy products such a washing machine, a TV or a laptop. However, you're often not given enough information to work out whether you really need a warranty and if you could get a better deal elsewhere.
Here are some top tips if you're thinking of getting an extended warranty:
- it's optional – you don't have to buy it - if the goods you buy turn out to be faulty, you're entitled to get a refund, a repair or replacement from the shop you bought the goods from whether you have a warranty or not
- think whether you're likely to need it – many goods cost less to replace than the cost of the warranty
- check if you're already covered -- you're likely to be covered for the first year by a free manufacturer's guarantee, or you could be covered by your home contents insurance policy
- shop around – you don't have to buy a warranty from the same place you buy your goods from. It's often cheaper to get a separate insurance policy elsewhere
- ask for full details of what you'd be covered for – if you think it's still worth it, you have up to 30 days to buy the warranty from that place
- you can change your mind about a warranty you've already bought for domestic electrical goods – you have up to 45 days to cancel this type of warranty.
Some retailers have promised to improve the way they sell extended warranties. This could include setting up comparison websites and providing more information in-store about other providers.
The OFT is now considering whether these measures go far enough or if more needs to be done to give consumers the information they need to make an informed choice.
To find out more about extended warranties, go to the OFT website at www.oft.gov.uk.
Take care with pay day loans
If you're struggling to make your wages last you the whole month, you may have thought of getting a pay day loan to tide you over.
A pay day loan company offers you cash to sort out your short term money problems. In exchange, you need to pay the loan back on your pay day plus fees, which can often be quite high.
And if you don't have enough money to pay the loan back on your pay day, the fees and charges can quickly start to mount up. And a loan company can come after you to try and get their money back.
Asking your bank for an overdraft may be a cheaper way for you to borrow money, but watch out you don't go over your agreed limit. You could also look at other ways to borrow money on lower interest, such as from your local credit union.
If you find you're needing to get pay day loans every month, it's best to get help with budgeting and dealing with your debts.
Oil clubs save money on fuel
If you use oil to heat your home, you could save at least ten per cent a year on your heating bills by getting together to form an oil club with other users in your area.
Oil clubs negotiate with oil suppliers to find the best price on offer. When you’ve agreed the price, a single delivery date is decided. The club saves money because you’ve placed a bulk order and the supplier only has to make one trip to the area. This makes it better for the environment too.
If there isn’t already an oil club in your area, it's easy for you to set one up. You’ll need to find at least 20 local households who are willing to join to make the scheme pay. You’ll also have to decide who’s willing to negotiate with suppliers and co-ordinate the club, so that everyone knows what’s going on.
Fuel Bills
Consumer Focus and Gwynedd Citizens Advice are making people aware of the following five top tips if they fall behind with their fuel bills:
1. Always contact your energy firm as soon as you realise you might have trouble with paying. Debts will build-up and be harder to pay off the longer you leave them. Your supplier has a responsibility to help you if you have problems paying your bill.
2. Tell your energy supplier what you can afford to pay – they have to take this into account in agreeing repayments of the money you owe.
3. Ask your energy company, GwyneddCitizens Advice Bureau (0845 450 3064) or call the Home Heat Helpline 0800 33 66 99 to find out about other free energy help available. For example you could qualify for a discount off your bill or free insulation to help your home stop leaking heat and cut your bills.
4. Even if you are in debt you may still be able to switch to a cheaper deal with your current supplier, especially if you pay by cash, cheque or pre-payment meter. If you pay by pre-payment meter and have less than £200 of debt you can also switch to a cheaper deal with another supplier.
5. Financial help is available which could make it easier to afford your bills – check you are receiving all of the benefits and tax credits you are entitled to by getting in touch with GwyneddCitizens Advice Bureau or visiting www.adviceguide.org.uk.
Nid yn edrych ymlaen i’r Nadolig yn 2011?
Nid yn edrych ymlaen i’r Nadolig eleni gan eich bod yn cael hi’n anodd i dalu biliau ac nid oes arian sbâr ar gyfer cardiau, anrhegion ac yn y blaen.
Beth allaf wneud?
• Cynlluniwch ymlaen – Gweithiwch allan faint y gallwch wario cyn dechrau gwario.
• Gosodwch gyllideb – Faint ydych am wario a glynwch iddo.
• Cofiwch fod y Nadolig yn amser drud i bawb – Gyda ffrindiau ac oedolion yn y teulu efallai y gallwch ddod i gytundeb ‘dim anrhegion’.
• Ceisiwch siopa gyda arian parod – yn y ffordd hyn gallwch ond gwario beth sydd yn eich pwrs.
• Siopa o gwmpas – Efallai y gallwch ei gael yn rhatach rhywle arall.
• Ymdrechwch i wrthod pwysau gan eich plant - i brynu teganau drud neu eitemau eraill na allwch ei fforddio.
• Peidwch a mynd i ddyled yn y banc oni bai eich bod wedi gwneud trefniadau – bydd y llôg yn uchel ofnadwy.
• Ceisiwch gymorth – os mewn dyled cyn gynted ag sydd bosib. Peidiwch a’i ddiystyru gan obeithio yr ânt i ffwrdd. Am gymorth ffoniwch ni ar 0845 450 3064
CAB YN SYMUD I SWYDDFEYDD NEWYDD YNG NGHAERNARFON
Ar y 1af o Awst 2011 symudodd CAB i'w swyddfeydd newydd yn Siambr Buddug, Stryd y Goron , Caernarfon.
Mae'r swyddfeydd yn cynnig cyfleusterau cyfoes gyda ystafelloedd cyfweld ardderchog. Mae gwell mynediad yn arbennig i'r anabl, henoed a rhieni gyda plant ifanc.
Gwelir y Cynghorydd John Gwilym Jones, Cadeirydd Cyngor Gwynedd yn agor y swyddfeydd yn swyddogol gyda Cynghorydd Tudur Owen, Ymddiriedolwyr Gwilym Evans a Betty Williams ynghyd a Glyn Thomas staff.
Am gyngor gyfrinachol a rhad ag am ddim ffoniwch 0845 450 3064 neu lIinell genedlaethol 0844477 2020.
Nid yn edrych ymlaen i’r Nadolig yn 2011?
Nid yn edrych ymlaen i’r Nadolig eleni gan eich bod yn cael hi’n anodd i dalu biliau ac nid oes arian sbâr ar gyfer cardiau, anrhegion ac yn y blaen.
Beth allaf wneud?
• Cynlluniwch ymlaen – Gweithiwch allan faint y gallwch wario cyn dechrau gwario.
• Gosodwch gyllideb – Faint ydych am wario a glynwch iddo.
• Cofiwch fod y Nadolig yn amser drud i bawb – Gyda ffrindiau ac oedolion yn y teulu efallai y gallwch ddod i gytundeb ‘dim anrhegion’.
• Ceisiwch siopa gyda arian parod – yn y ffordd hyn gallwch ond gwario beth sydd yn eich pwrs.
• Siopa o gwmpas – Efallai y gallwch ei gael yn rhatach rhywle arall.
• Ymdrechwch i wrthod pwysau gan eich plant - i brynu teganau drud neu eitemau eraill na allwch ei fforddio.
• Peidwch a mynd i ddyled yn y banc oni bai eich bod wedi gwneud trefniadau – bydd y llôg yn uchel ofnadwy.
• Ceisiwch gymorth – os mewn dyled cyn gynted ag sydd bosib. Peidiwch a’i ddiystyru gan obeithio yr ânt i ffwrdd. Am gymorth ffoniwch ni ar 0845 450 3064
CAB Gwynedd - Prosiect Budd-daliadau
Mae’n amserol i atgoffa’r cyhoedd fod gan CAB Ngwynedd Prosiect Budd-daliadau a Gwasanaeth Cyngor Ariannol sydd yn cael ei ariannu gan Y Lleng Brydeinig a Chronfa Lles y Llu Awyr Frenhinol. Mae personêl y Lluoedd Arfog, cyn filwyr, eu partneriaid a'i dibynyddion yn gymwys I dderbyn cymorth a cefnogaeth gyda problemau dyledion a budd-daliadau.
Gall Vicky Norton, Gweithwraig Maes y Prosiect, cario allan hawliau budd-daliadau, llenwi ffurflenni budd—daliadau, trafod telerau ad-daliadau i gredudwyr a profi hawl i grantiau. Mae Vicky yn gweithio’n agos iawn gyda’r Lleng Brydeinig yn Wrecsam ac yn lleol ynghyd a SSAFA a gwasanaethau gwirfoddol eraill.
Ers dechreuad y prosiect yng Ngwynedd 2 flynedd yn ôl bu I ni helpu 200 o personêl y Lluoedd Arfog. Os am gymorth gyda dyledion a budd-daliadau cysylltwch a Vicky ar rhif ffôn 01286 675376
 |
|
Gwefan Newydd i CAB Gwynedd & De Ynys Môn - Tachwedd 2010
Wrth lansio ein gwefan newydd dywedodd ein Cadeirydd Gwilym Evans,
“Rydym yn falch iawn ein bod wedi comisiynu Delwedd, sydd yn gwmni lleol, i
ddylunio a chynhyrchu ein gwefan newydd. Rydym yn sylweddoli y dyddiau hyn
fod technoleg gwybodaeth yn hanfodol fel ffordd o gyfarthrebu gyda’n
defnyddwyr ac yn enwedig o fewn maes cyngor a gwybodaeth” Aeth ymlaen i
ddweud “ Mae gennym ddiddordeb mawr mewn cael barn pobl, ddim yn unig ar y
cynnwys, ond hefyd y modd mae’r gwybodaeth yn cael ei gyflwyno. Anogwn pawb i
ddefnyddio ein tudalen sylwadau -gora po fwyaf.”
Dywedodd Cemlyn Williams y Prif Swyddog “Gan fod gennym yn awr safle
safonnol ein bwriad yw ei ddatblygu fel y gallwn yn y dyfodol gynnig gwasanaethau
cyngor drwy gyfrwng electroneg e.e. e-bost.” Dywedodd hefyd “Yn yr wythnosau
nesaf rydym yn bwriadu hysbysebu am Ymddiriedolwyr newydd ac fe fyddwn yn rhoi
manylion ar y tudalen swyddi ynghyd a chyfrifoldebau a’r sgiliau sydd yn allweddol i gyfrifoldebau Ymddiredolwyr”
Prosiect AdviceLine Cymru
"Gwynedd and Southern Anglesey CAB sign up to join the AdviceLine Cymru project. The new service which received funding of over £700,00 from the Welsh Assembly Government is intended to help bureaux to increase their capacity. The Adviceline which provides a bilinguall service from the first point of contact will be available 5 days week between 10.00am and 4.00pm
The Adviceline was officially launched at the Eisteddfod by Carwyn Jones, the First Minster for Wales. The Welsh Assembly has been extremely supportive of Adviceline and the Minister stressed that:
“This new phone service will make it easier for those who need help to contact Citizens Advice. This is extremely important at the moment as we try our very best to help people recover from the recession.”
Pictured on the launch day from left to right are:
Gillian Guy (Citizens Advice Chief Executive) Carwyn Jones and Fran Targett (Director, Citizens Advice Cymru)
- Gwynedd & De Ynys Môn secures 3 year funding from the Legal Service Commission that will enable it to provide specialist welfare benefit, debt and employment advice for people that are on low income."
Hen weithdy gof yw'r CAB newydd ym Mangor
"An old blacksmith in Bangor has been successfully purchased, renovated and refurbished by Gwynedd & De Ynys Môn Citizens Advice Bureau thanks to a £232,000 Big Lottery Grant.
In officially opening the new offices Betty Williams, former MP for Conwy said: “As a former MP and indeed in my early days as a councillor, I know and appreciate the work done by CAB. At a time when the demand for its services is growing from some of the most vulnerable people in our societu. This project will help CASB to meet the challenges ahead."
Llywydd Newydd
"Following in the footsteps of Mr Dafydd Wigley Mrs Betty Williams former MP for Conwy has accepted the Trustees invitation to become President of Gwynedd & De Ynys Môn CAB.
Mrs Williams has links to the service that goes back many many years. Moreover she brings to the Presidency vast experience in both local and national politics. In acknowleding the work underatken by Mr Wigley the Board of Trustees are confident that the Presidency continues to be in good hands at a time of unceratinty."
Newyddion.......Wrth lansio ein gwefan newydd dywedodd ein Cadeirydd Gwilym Evans ...