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  • FIRST POST
    leighliz
    Can I get my debt written off due to mental illness
    • #1
    • 15th Jun 09, 1:41 PM
    Can I get my debt written off due to mental illness 15th Jun 09 at 1:41 PM
    Hi, not sure if I am posting on the write forum but I'm sure somebody will be able to point me in the write direction if not.

    Basically, I have heard that you may be able to get your debt's written off if you were suffering a mental illness at the time the account was opened, and I wondered if this is the case, does anybody know how to go about it.

    Many thanks in anticipation of your response
Page 1
  • Halloway
    • #2
    • 15th Jun 09, 1:44 PM
    • #2
    • 15th Jun 09, 1:44 PM
    Many thanks in anticipation of your response
    Originally posted by leighliz
    If I were you I wouldn't thank us until you've actually read our responses...
    • p00hsticks
    • By p00hsticks 15th Jun 09, 1:56 PM
    • 4,710 Posts
    • 4,078 Thanks
    p00hsticks
    • #3
    • 15th Jun 09, 1:56 PM
    • #3
    • 15th Jun 09, 1:56 PM
    For what specific reason do you think you might be able to do this ? Should the card company have been aware that you were mentally ill ? Do you think they were negligent in lending to you ?
  • Dave101t
    • #4
    • 15th Jun 09, 2:01 PM
    • #4
    • 15th Jun 09, 2:01 PM
    other posts by leighliz:

    'I'm also on the old system, csa1 and my ex owes almost 20,000'

    'we are currently receiving child benefit and tax credits for our 16 year old daughter who is in further education. However, she has developed severe panic attacks and...'

    '
    I got a fickle apology and eventually a 1,000 apology payment'


    wow, you must be rolling in it! well done!
    Target Savings by end 2009: 20,000
    current savings: 20,500 (target hit yippee!)
    Debts: 8000 (student loan so doesnt count)

    new target savings by Feb 2010: 30,000
    • pinkshoes
    • By pinkshoes 15th Jun 09, 3:39 PM
    • 14,318 Posts
    • 19,133 Thanks
    pinkshoes
    • #5
    • 15th Jun 09, 3:39 PM
    • #5
    • 15th Jun 09, 3:39 PM
    What sort of mental illness are we talking about here?
    • Meepster
    • By Meepster 15th Jun 09, 5:27 PM
    • 5,676 Posts
    • 9,272 Thanks
    Meepster
    • #6
    • 15th Jun 09, 5:27 PM
    • #6
    • 15th Jun 09, 5:27 PM
    Trollism??
    Originally posted by uktyler
    PMSL
    • DKLS
    • By DKLS 15th Jun 09, 5:29 PM
    • 12,702 Posts
    • 21,216 Thanks
    DKLS
    • #7
    • 15th Jun 09, 5:29 PM
    • #7
    • 15th Jun 09, 5:29 PM
    :rolleyes: Yes you can but you would have to be sectioned in a medium secure unit, followed by lots and lots of ECT.

    Bonus is your debts will be cancelled AND you will receive a very natty jacket that fastens at the back.
    • Kimitatsu
    • By Kimitatsu 15th Jun 09, 5:35 PM
    • 3,779 Posts
    • 7,834 Thanks
    Kimitatsu
    • #8
    • 15th Jun 09, 5:35 PM
    • #8
    • 15th Jun 09, 5:35 PM
    Hi, not sure if I am posting on the write forum but I'm sure somebody will be able to point me in the write direction if not.

    Basically, I have heard that you may be able to get your debt's written off if you were suffering a mental illness at the time the account was opened, and I wondered if this is the case, does anybody know how to go about it.

    Many thanks in anticipation of your response
    Originally posted by leighliz
    In my experience you can only get debts written off for the most serious cases (and I dont wish to be rude but you seem fairly well balanced and articulate looking at your other posts) and you have to provide psychiatric reports to prove the illness. Also I tend to find that whilst some companies will not pursue the debt the debt still lies on the file.

    I have only managed to get debts written off for clients who have severe psychological issues such as acute schizophrenia etc and the likelihood of them ever holding down a job and so being able to pay back the debt is remote.
    Free/impartial debt advice: Consumer Credit Counselling Service (CCCS) | National Debtline | Find your local CAB
    • Antispam
    • By Antispam 15th Jun 09, 5:39 PM
    • 3,910 Posts
    • 3,432 Thanks
    Antispam
    • #9
    • 15th Jun 09, 5:39 PM
    • #9
    • 15th Jun 09, 5:39 PM
    I see you are busy bee

    As mentioned you seem to know what you are doing, in fact your quite articulate

    Success at long last!!! 4.5 compo
    Should we remortgage


    Sorry you have cancer though but no reason to think its a company fault for making you take out a loan ie mental illness which you claim below otherwise fit and healthy

    You also claim to be "
    However, I have just tried to renew the policy, and as the cancer has spread, even though I have no symptoms, am taking no medication and am "otherwise fit and healthy"

    http://forums.moneysavingexpert.com/showthread.html?t=1681523&highlight=

    No mention of mental illness last month either
    Last edited by Antispam; 15-06-2009 at 5:52 PM.
    • amersall
    • By amersall 15th Jun 09, 5:51 PM
    • 16,352 Posts
    • 18,314 Thanks
    amersall
    :rolleyes: Yes you can but you would have to be sectioned in a medium secure unit, followed by lots and lots of ECT.

    Bonus is your debts will be cancelled AND you will receive a very natty jacket that fastens at the back.
    Originally posted by DKLS
  • mc33033
    Basically, I have heard that you may be able to get your debt's written off if you were suffering a mental illness at the time the account was opened, and I wondered if this is the case, does anybody know how to go about it.
    Originally posted by leighliz
    The argument would be that of the party did not have capacity to enter into contract so the contract should be unwound - your chances of having this argument work will pretty much mean you were sectioned later on the day you took out the contract/debt otherwise don't even think about it, lack of capacity to contract is very hard to prove on your side.
    • Mrs_Ryan
    • By Mrs_Ryan 16th Jun 09, 1:07 AM
    • 9,277 Posts
    • 16,342 Thanks
    Mrs_Ryan
    I believe it is possible in some very extreme cases but its quite complex to prove.
    There is also the argument about bi-polar and extreme spending but again thats complex and long winded.... concessions can be made but as kimitatsu says its usually in the most extreme cases that this occurs.
    I did manage to get some bank charges refunded for a patient when I was working on acute wards but thats a bit different to getting your debts written off.
    In short.... I'd say probably not.
    Proud to have been a sponsor to an amazing guy who I will miss a lot, always Team V! !
    Thrilled to have met my hero 13 and 15/05. Still 3 miles high and I'm so happy! Thanks Fran
    Will always miss you Elle and will never forget you, brightest star in the sky xx
    • PopeSock
    • By PopeSock 16th Jun 09, 1:24 PM
    • 493 Posts
    • 446 Thanks
    PopeSock
    :rolleyes: Yes you can but you would have to be sectioned in a medium secure unit, followed by lots and lots of ECT.

    Bonus is your debts will be cancelled AND you will receive a very natty jacket that fastens at the back.
    Originally posted by DKLS
    And if you're Alice Cooper, you get an album out of it.
    Spoiler (highlight below to view):
    True. Alice Cooper committed himself to get help dealing with alcoholism. Only to find the place he'd signed himself up to was a full blown mental hospital. The album 'From The Inside' is based on his experience.


    On a related note, does this mean that anyone who shopped at Crazy George's should be named and shamed for taking advantage of a mentally ill person?
  • leighliz
    I was not posting on behalf of myself but thank you all for your comments.
    • Birdy12
    • By Birdy12 21st Jun 09, 9:29 AM
    • 547 Posts
    • 983 Thanks
    Birdy12
    :rolleyes:
    Bonus is your debts will be cancelled AND you will receive a very natty jacket that fastens at the back.
    Originally posted by DKLS
    Don't really care about the point of the thread, just wanted to say that this comment has given me such a laugh! Where can I get one of these 'natty jackets' from?
    It's wouldn't have not wouldn't of, shouldn't have not shouldn't of and couldn't have not couldn't of. Geddit?
    • CHR15
    • By CHR15 21st Jun 09, 10:20 AM
    • 4,799 Posts
    • 4,124 Thanks
    CHR15
    I was not posting on behalf of myself but thank you all for your comments.
    Originally posted by leighliz
    In that case it must be Schitzophrenia, you are on to a winner

    Go for it Champ!!!
  • Halloway
    In that case it must be Schitzophrenia,
    Originally posted by CHR15
    Is that the mental illness where you think you are half-German?
    • mrbadexample
    • By mrbadexample 21st Jun 09, 12:47 PM
    • 10,564 Posts
    • 15,223 Thanks
    mrbadexample
    I was not posting on behalf of myself but thank you all for your comments.
    Originally posted by leighliz
    That's some swift backtracking, considering the title of your thread. :rolleyes:

    "Can I get my debt written off due to mental illness"


    If you lend someone a tenner and never see them again, it was probably worth it.
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