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    • PippaGirl
    • By PippaGirl 12th Sep 17, 7:34 PM
    • 2,167Posts
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    PippaGirl
    Ashamed to be back again
    • #1
    • 12th Sep 17, 7:34 PM
    Ashamed to be back again 12th Sep 17 at 7:34 PM
    I'm ashamed to have to come back here again. I went bankrupt in May 2012 and was discharged January 2013. All that debt was through no fault of my own, having left a DV relationship with little more than the clothes on my back I moved into a small empty flat. I had no idea I was entitled to benefits except child benefit so having had a nervous breakdown gained debts and hid under the duvet crying.

    This time I have to take responsibility for it, I made a stupid decision. The garden had been 6ft-10ft brambles since I moved to this LA property and the wooden fences surrounding it had collapsed. So after 6 years of having nowhere for children to play or hang the washing out I stupidly paid for replacement fencing and the brambles to be cut, all on a credit card of 39.9% for which I thought I'd manage the repayments and more and would pay it off quickly. Things went from bad to worse and in trying to keep up repayments other debt appeared, I couldn't afford to eat etc and I've finally phoned stepchange for advice. The only feasible option is bankruptcy again. Stepchange say that as I've been bankrupt less than 6 years ago I will be treated in a harsher way, be bankrupt for longer, have a payment plan in place for 3-6 years and be constantly monitored.

    I'm still just as ill. Been detained under the Mental health act twice in the last 2 years, I'm living on income related employment support allowance and PIP and that's very unlikely to change. I feel so low I'm fighting off 'way out' thoughts but I've got to try and take this one day at a time. I'm paying my 4 creditors £1 a month as the stepchange calculator says I have £5 a month spare however they said that the insolvency service are unlikely to allow me the allowances I've got on their form. That's help with my disability and specialist food for my eating disorder.

    Apparently I have to open an account with the insolvency service and start paying installments and when I've paid £680 I can file for bankruptcy. That could actually take me ages. So I'm here for the long haul, paying £1 a month to 4 companies and saving in dribbles for the bankruptcy. I'm unsure how my mental health will hold up if the 4 companies don't agree that figure, give the debt to debt agencies or threaten court action. I am in pieces right now. And this time it's all my fault.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
Page 2
    • PippaGirl
    • By PippaGirl 14th Sep 17, 12:12 PM
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    PippaGirl
    I do actually have a daughter who is at Uni. She comes home sometimes. When she settles permanently in a job in a year my housing benefit will reduce and I will pay additional shortfall due to the under occupancy reduction in benefit. At the moment I have a 1 bed reduction, this will change to 2 in a year. I've had a disabled facilities grant adapting the property for my spinal problems plus I've adapted it further so I won't be moving. I just hope labour get in and remove the under occupancy reduction one day!

    Oh and on this format I hadn't put down the dog walking costs either, but that along with the deficit is covered by my PIP
    Last edited by PippaGirl; 14-09-2017 at 12:22 PM.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • PippaGirl
    • By PippaGirl 14th Sep 17, 12:15 PM
    • 2,167 Posts
    • 1,790 Thanks
    PippaGirl
    Please use this link:





    One thing to look into is the local authority debt. It will certainly need looking at by an expert to make sure it is able to be put into the DRO.
    Originally posted by StopIt
    According to the LA estates manager who came here about the fencing, the balance would be paid off by either BR or DRO so I'm assuming she's correct so I assume it will be.

    Thanks.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • PippaGirl
    • By PippaGirl 14th Sep 17, 1:26 PM
    • 2,167 Posts
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    PippaGirl
    I seriously considered rehoming the cats when the pdsa reduced the number of pets they care for from 3 to 1 but my daughter is autistic and finds change and loss impossible to deal with and was incredibly upset. In the end I couldn't do it to her. My dog is my constant companion here and often is the only reason I don't end my life because I can't leave her alone. She's literally a God-send to me. I won't be getting anymore pets at anytime so these are my last. I had no idea I'd become too unwell to walk the dog when I got her. I don't know if you understand physical disability or depression but if you did you'd understand.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • fatbelly
    • By fatbelly 14th Sep 17, 4:50 PM
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    fatbelly
    There's no need to get rid of the pets. It's not like you're running a zoo.
    • skintandfat
    • By skintandfat 14th Sep 17, 6:49 PM
    • 176 Posts
    • 112 Thanks
    skintandfat
    I just hope labour get in and remove the under occupancy reduction one day!
    Originally posted by PippaGirl

    Labour introduced the bedroom tax in 2007, now they oppose it


    I think its unfair and disagree with it.


    Up here in Scotland the Scottish Government cant cancel the bedroom tax (Westminster reserved power) but DO pay it for Scots (through discretionary housing payments)



    Labour are good at opposing things they introduced (ATOS assessments anyone)?
    • fatbelly
    • By fatbelly 14th Sep 17, 8:52 PM
    • 11,526 Posts
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    fatbelly
    Wasn't it an invention of Cameron and/or Iain Duncan Smith in the Welfare Reform Act 2012?

    I wasn't aware of it before that, and as far as I know, Labour has always been negative about it.

    Whether they could afford to make all the changes they have suggested is another question.
    • debt doctor
    • By debt doctor 14th Sep 17, 9:24 PM
    • 4,165 Posts
    • 5,832 Thanks
    debt doctor
    Labour introduced the bedroom tax in 2007, now they oppose it
    Originally posted by skintandfat
    The under occupancy 'Bedroom Tax' rules came in to force under the Conservative led Government in April 2013 from the Welfare Reform Act 2012.
    In 2001, the then Labour Government ran a pilot scheme of encouraging tenants to move to smaller properties, which never became law.
    In 2007 the Labour Government introduced Local Housing Allowance (LHA) for private, not social properties, as an assessment of suitable sized private rented property that replaced the previous assessment of suitable sized private rented property known as the rent officers decision. The LHA was a fairer system that allowed private tenants to keep any excess of Housing Benefit up to £15 per week. LHA is still in force, but tenants no longer allowed to keep any surplus following a Conservative government decision.

    I have advised under them all, and never have I seen such a scheme that persecutes poor people and leaves them at threat of homelessness as the 2013 Bedroom Tax brought in by the Conservative led coalition.
    In England, we too try to minimise the Bedroom Tax by using Discretionary Housing Payments.
    DD
    Last edited by debt doctor; 14-09-2017 at 10:25 PM.
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • debt doctor
    • By debt doctor 14th Sep 17, 10:00 PM
    • 4,165 Posts
    • 5,832 Thanks
    debt doctor
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 0
    Partners monthly income after tax....... 0
    Benefits................................ 1220.20
    Other income............................ 0
    Total monthly income.................... 1220.20


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 472.2
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 82
    Gas..................................... 20
    Oil..................................... 0
    Water rates............................. 50
    Telephone (land line)................... 0
    Mobile phone............................ 26
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 8
    Internet Services....................... 34
    Groceries etc. ......................... 300
    Clothing................................ 34
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 200
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 30
    Pet insurance/vet bills................. 21
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 35
    Haircuts................................ 25
    Entertainment........................... 22.08
    Holiday................................. 0
    Emergency fund.......................... 11
    Total monthly expenses.................. 1382.4



    Assets

    Cash.................................... 29
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 29


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    capital one ...................2089......0.........39.9
    vanquis........................538.49....0........ .39.9
    Next...........................1111.67...0........ .29.9
    Local authority................2184.75...0.........0
    Total unsecured debts..........5923.91...0.........-



    Monthly Budget Summary

    Total monthly income.................... 1220.20
    Expenses (including HP & secured debts). 1,382.4
    Available for debt repayments........... -162.20
    Monthly UNsecured debt repayments....... 0
    Amount short for making debt repayments. -162.20


    Personal Balance Sheet Summary
    Total assets (things you own)........... 29
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -5,923.91
    Net Assets.............................. -5,894.91


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.


    I didn't include my PIP in the benefits as it's not used in calculations? which is 360.10 or housing benefit of 406.08 as there was no space to write the rent down which is
    Originally posted by PippaGirl
    Thanks Pippa, I'll check that tomorrow.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • keepcalmandstayoutofdebt
    • By keepcalmandstayoutofdebt 14th Sep 17, 10:18 PM
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    keepcalmandstayoutofdebt
    I had one won a loan of £50 (the lowest amount they'll lend, I'd only needed £30) for 3 days then I had a 50 loan again but for 9 days, both were paid back. I currently have £80 but can't see/know how to prevent it being paid back in 8 days time as they have my debit card details, can the Co-op bank stop that payment?
    Originally posted by PippaGirl
    If one payday lender can cancel CPA as was my experience earlier this year, then they all should. Whilst I didn't ask for it and time healed over this issue, I do have to wonder if my financial past took a decision.

    The CPA for me was cancellable right up to the evening of day before payment was due out.

    You should speak with both. It is certainly worth looking into before payment due out. Even if W do D/D's?. It certainly is worth a try.
    "If you are caught in a rainstorm, once you accept that you'll receive a soaking, the only thing left to do is enjoy the walk"
    • debt doctor
    • By debt doctor 14th Sep 17, 10:31 PM
    • 4,165 Posts
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    debt doctor
    If one payday lender can cancel CPA as was my experience earlier this year, then they all should. Whilst I didn't ask for it and time healed over this issue, I do have to wonder if my financial past took a decision.

    The CPA for me was cancellable right up to the evening of day before payment was due out.

    You should speak with both. It is certainly worth looking into before payment due out. Even if W do D/D's?. It certainly is worth a try.
    Originally posted by keepcalmandstayoutofdebt
    Correct. The absolute right to cancel a CPA comes from the Payment Services Regulations, which means that you can cancel this payment method whenever you want without reason.
    As just said, providing you inform your bank that you do not want this payment to go out prior to 4pm the working day before then IF it does go out your bank must refund you AND if it caused charges, refund those also.
    Banks will say you can't do this - do it in writing - get a receipt.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • PippaGirl
    • By PippaGirl 15th Sep 17, 6:56 AM
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    PippaGirl
    Debt Doctor just to add that my gas is so low because I only have the hot water on occasionally, mainly when my daughter is home and I only use the heating in winter when she's home and never otherwise. Obviously I'd love to be warm in winter so allthough my gas costs are low, if I could be warm in winter they'd be higher.

    Pet costs

    £48 per cat twice yearly program injection so 4 X £48 per year also worming costs but these are cheap. One cat allergic to spot on treatments but program only works out £4 dearer per 6 months than spot on treatments so little in it. Annual vaccination for dog. I don't vaccinate the cat.
    Food for all 3, cats eat shops own brand, dog has a wheat allergy so can't eat the cheapest food.
    Dog walks 3 times per week £15 per walk which includes 90 minutes off lead and transport to the walking areas. The other 4 days she isn't walked.
    Unless my dog has less or no walks I don't see how my pet costs can be reduced.

    Eta I will phone the co-operative bank today to cancel the wonga repayment. I will request written confirmation that they've done so. Hopefully that will work.
    Last edited by PippaGirl; 15-09-2017 at 6:58 AM.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • comeandgo
    • By comeandgo 15th Sep 17, 7:25 AM
    • 1,865 Posts
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    comeandgo
    Would The Cinnamon Trust, a charity that walks dogs for housebound people help?
    • skintandfat
    • By skintandfat 15th Sep 17, 9:16 AM
    • 176 Posts
    • 112 Thanks
    skintandfat
    Wasn't it an invention of Cameron and/or Iain Duncan Smith in the Welfare Reform Act 2012?

    I wasn't aware of it before that, and as far as I know, Labour has always been negative about it.

    Whether they could afford to make all the changes they have suggested is another question.
    Originally posted by fatbelly
    The Tories extended the bedroom tax to social housing, Labour introduced it for private sector rents in 2007
    • fatbelly
    • By fatbelly 15th Sep 17, 10:33 AM
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    fatbelly
    The Tories introduced the bedroom tax to social housing in 2013, Labour introduced LHA rates for private sector rents in 2007
    Originally posted by skintandfat
    Corrected that for you...
    • PippaGirl
    • By PippaGirl 15th Sep 17, 11:00 AM
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    PippaGirl
    Today the bank have assured me they will refuse any attempts from Wonga to take money from my account. They're sending me a letter to confirm this.

    I have also read in detail the info from Wonga about cancelling the CPA and followed that to a T. Do I set up a standing order to pay them £1 per month to make them the same as the other 3 creditors?

    Once my SOA is sorted into reasonable figures I will contact national debtline for advice. I'm really hoping a DRO is possible.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • PippaGirl
    • By PippaGirl 15th Sep 17, 11:05 AM
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    • 1,790 Thanks
    PippaGirl
    Would The Cinnamon Trust, a charity that walks dogs for housebound people help?
    Originally posted by comeandgo
    I will look into that though there are no walks here within walking distance so she'd need transporting to walking places and sheds fur like you wouldn't believe so she wouldn't be the most popular dog to transport. Plus she swims or rolls in any wet mud or water and stinks the car out on the return journey. I miss having a car, when I had a car I could drive her places and sit and let her run around etc the loss of my ancient car has had a major affect on the family.

    Thanks everyone for your help.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • Piggywinkle
    • By Piggywinkle 15th Sep 17, 11:26 AM
    • 84 Posts
    • 27 Thanks
    Piggywinkle
    II I don't have to leave my cashminder account with the co-op I won't, so I won't be switching anything over until I know for sure. They've been brilliant and really helpful.
    Originally posted by PippaGirl

    I went BR in September last year (a matter of days until I'm discharged!) but I called up Co-op first about my Cashminder account. They didn't mind a bit that I was going BR and when I did they didn't bat an eyelid. Give them a call beforehand if you want to put your mind at rest.
    • StopIt
    • By StopIt 15th Sep 17, 12:19 PM
    • 1,391 Posts
    • 1,182 Thanks
    StopIt
    I will look into that though there are no walks here within walking distance so she'd need transporting to walking places and sheds fur like you wouldn't believe so she wouldn't be the most popular dog to transport. Plus she swims or rolls in any wet mud or water and stinks the car out on the return journey. I miss having a car, when I had a car I could drive her places and sit and let her run around etc the loss of my ancient car has had a major affect on the family.

    Thanks everyone for your help.
    Originally posted by PippaGirl

    Look into friendly neighbourhood groups too.


    My local area has one that does this sort of thing, as well as prescription runs, household help etc for people in need. It's linked to the Town Council but totally run by people in our town. Look up your local town/parish council to see if something similar exists around you.
    • PippaGirl
    • By PippaGirl 15th Sep 17, 12:24 PM
    • 2,167 Posts
    • 1,790 Thanks
    PippaGirl
    I went BR in September last year (a matter of days until I'm discharged!) but I called up Co-op first about my Cashminder account. They didn't mind a bit that I was going BR and when I did they didn't bat an eyelid. Give them a call beforehand if you want to put your mind at rest.
    Originally posted by Piggywinkle
    Yet another Stepchange incorrect advice. Emotionally, I wish I'd never phoned them. Even phoning the Co-operative bank this morning about stopping the Wonga payment, they couldn't have been more helpful or reassuring.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
    • PippaGirl
    • By PippaGirl 15th Sep 17, 5:44 PM
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    PippaGirl
    Thanks Pippa, I'll check that tomorrow.
    DD
    Originally posted by debt doctor
    Have you had a moment to go over my SOA yet debtdoctor? I worry you're doing too much and I shouldn't be pushing :
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
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