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  • FIRST POST
    • 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 3
    • Pobby
    • By Pobby 15th Sep 17, 7:48 PM
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    Pobby
    Pippa, no advice here but thinking about you. I have had mental health problems and it is no fun. Just keep posting and I am very sure that you will get this sorted. My very best wishes.
    • debt doctor
    • By debt doctor 15th Sep 17, 8:06 PM
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    debt doctor
    Hello Pippa,


    Your HB would have to be deducted from your rent which will put you in too much surplus for a DRO. You do have some spare room in 'communications and leisure' but not enough to get a DRO.
    However, I wonder, on average, how often your daughter stays with you?
    Can you average that out and let me know?


    Just think that (if) a DRO is not possible, bankruptcy still is (with no repayments from your income) or by controlling the debt by a payment plan.


    EDIT - SEE BELOW
    DD
    Last edited by debt doctor; 15-09-2017 at 8:29 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 15th Sep 17, 8:29 PM
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    debt doctor
    At the bottom of your SOA you say that you have not included HB as income - but when I look at your total income you HAVE included it.


    This changes things completely - and you would qualify for a DRO. Can you re- clarify your income that £1220 is ESA plus HB?
    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 ***
    • Autumnella
    • By Autumnella 15th Sep 17, 8:38 PM
    • 426 Posts
    • 1,449 Thanks
    Autumnella
    I don't know what it is about step change discouraging DRO's They told me I wouldn't qualify too when I called a few years ago in desperate need of help, when everything else I read online said I did. When I called them it was 2 hours of my life wasted and I was in exactly the same position I was beforehand.
    • debt doctor
    • By debt doctor 15th Sep 17, 8:45 PM
    • 4,165 Posts
    • 5,831 Thanks
    debt doctor
    I don't know what it is about step change discouraging DRO's They told me I wouldn't qualify too when I called a few years ago in desperate need of help, when everything else I read online said I did. When I called them it was 2 hours of my life wasted and I was in exactly the same position I was beforehand.
    Originally posted by Autumnella
    Hi, The funding model of Step Change relies upon a commission return (or fair share agreement) from payments to creditors through DMPs and IVAs. The more collected, the higher the return payment from creditors.
    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 16th Sep 17, 8:09 AM
    • 2,167 Posts
    • 1,790 Thanks
    PippaGirl
    At the bottom of your SOA you say that you have not included HB as income - but when I look at your total income you HAVE included it.


    This changes things completely - and you would qualify for a DRO. Can you re- clarify your income that £1220 is ESA plus HB?
    DD
    Originally posted by debt doctor
    .

    Yes sorry for the confusion. The income is ESA and HB, HB being less than my rent due to under occupancy reduction. What that figure doesn't include is my PIP as people said that's not counted as income. Apologies for my mistake, so yes that income amount is ESA and housing benefit.

    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
    • debt doctor
    • By debt doctor 16th Sep 17, 3:59 PM
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    debt doctor
    Great! That means you qualify for a DRO on income grounds.
    I never worry about negative statements - in your case as you said, you are going to put in your PIP as income, then whatever balance is left when you have covered the deficit, put that balance down as 'adult care needs'. That's to spend how you wish for dog walking or whatever you wish.
    The standard thing debt advisers do is put PIP or DLA in as income and then take exactly the same amount out as 'care needs' - which effectively means it doesn't count as income.
    Also I want you to reduce your vet bills down from £21 to £10. Not saying you can't actually spend it, just show as £10 - trust me!
    Hope it goes well for you with National Debt-line, but in any event, keep us informed.
    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 ***
    • luvchocolate
    • By luvchocolate 16th Sep 17, 5:43 PM
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    luvchocolate
    Great advice as always D.D.
    Good luck Pippa let us know how you get on. x
    • PippaGirl
    • By PippaGirl 16th Sep 17, 6:23 PM
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    • 1,790 Thanks
    PippaGirl
    Great! That means you qualify for a DRO on income grounds.
    I never worry about negative statements - in your case as you said, you are going to put in your PIP as income, then whatever balance is left when you have covered the deficit, put that balance down as 'adult care needs'. That's to spend how you wish for dog walking or whatever you wish.
    The standard thing debt advisers do is put PIP or DLA in as income and then take exactly the same amount out as 'care needs' - which effectively means it doesn't count as income.
    Also I want you to reduce your vet bills down from £21 to £10. Not saying you can't actually spend it, just show as £10 - trust me!
    Hope it goes well for you with National Debt-line, but in any event, keep us informed.
    DD
    Originally posted by debt doctor
    Oh that's such good news. Good advice I will make those changes. I doubt National debtline are open Sundays so I will phone them Monday.

    Ive had an email from wonga saying theyre freezing my loan with them and won't be adding any interest or charges or make attempts to withdraw money from the bank.
    "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 18th Sep 17, 12:45 PM
    • 2,167 Posts
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    PippaGirl
    Long talk with National debtline this morning. I'm eligible for a DRO and they're sending me out the application pack. I'm told to stop the £1 payments to creditors which I've done. I've got to go to court to get an order from the court forbidding my current address being on public records to protect me from my violent ex who doesn't know where I'm living. I already have a letter from my GP verifying that fact and I'm hoping an EX160 ? will waive the court fee on income grounds. When I went BR I went on the register with my previous address. I'm sure it will be the same. The lady on the phone said the official receiver may question me about my debt because I've previously been BR before but at that was almost 6 years ago and my sole income is benefits she doubts very much I will be given any extra restrictions. Very helpful people. I just wish the process didn't take 10-12 weeks. The lady said almost all creditors back right off once they know you're applying for a DRO as they won't spend court money knowing they'd not get a return from it.

    Hopefully all will go smoothly from now on. I wish I'd phoned National debtline first, I was in such a state after talking to stepchange.

    Thank you everyone who's offered helpful advice and support.
    "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
    • debt doctor
    • By debt doctor 18th Sep 17, 1:15 PM
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    debt doctor
    Hi Pippa,
    That is good news from National Debt line.
    The EX160 will exempt you from the court fee on the 'automatic exemption' of being on Income based Employment Support Allowance. No need for a calculation, just need to provide proof of your ESA.
    If you are on contributions based ESA then you will need to do the calculation - but will still be exempt. Neither PIP or HB count as income when filling out an EX160.
    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 ***
    • fay66
    • By fay66 18th Sep 17, 4:55 PM
    • 583 Posts
    • 1,311 Thanks
    fay66
    my elec/gas for one person 2 bed house , is £56 a month and still under with iressa, pay monthly direct debit,
    my food shopping is only £200 at maximum, aldi is the best value and you can do it for less, and thats cooking from scratch, they have alot of meals that are prepped but fresh, I have 2 cats and 2 dogs, pay full rent and only earn £1456 per month rent is £425 per month , I buy my own flea stuff it works cheaper but vaccine them , prescriptions should be free unless painkillers. or pre paid prescription is £10 per month. my car is £160 per month for diesal . have you tried ubber or liftshare if your going to a regular place or have a bus pass?
    Debts: 118118 loan £2500,
    CC Marbles, 4900, Aqua £930. Ocean 550, Cap 1, 230
    Payday loans, Sunny £200 x 3 months owe 540, and 3340 Sterling £340
    Ex bancruptcy, 6 years up Dec 17
    • PippaGirl
    • By PippaGirl 20th Sep 17, 9:06 AM
    • 2,167 Posts
    • 1,790 Thanks
    PippaGirl
    my elec/gas for one person 2 bed house , is £56 a month and still under with iressa, pay monthly direct debit,
    my food shopping is only £200 at maximum, aldi is the best value and you can do it for less, and thats cooking from scratch, they have alot of meals that are prepped but fresh, I have 2 cats and 2 dogs, pay full rent and only earn £1456 per month rent is £425 per month , I buy my own flea stuff it works cheaper but vaccine them , prescriptions should be free unless painkillers. or pre paid prescription is £10 per month. my car is £160 per month for diesal . have you tried ubber or liftshare if your going to a regular place or have a bus pass?
    Originally posted by fay66
    My house is 3 bed but probably costs more to heat because I'm always in it and can barely move so it's tricky keeping warm plus people with eating disorders are often always cold. My food shopping is more than most because of my eating disorder, I have so many fear foods I can't eat. I shop fortnightly online which restricts my shopping to stores to those that deliver. I am unable to travel by bus because the way it swings around corners is excruciating for my back, I have degenerative disc disease in my spine with facet joint disease and osteophytes, the latter are almost certainly pinching nerves from my spinal cord at present and the pain is indescribable. I'm under the care of the spinal clinic and pain clinic. This means my only usable transport is taxis and trains. I buy nutritional supplements because of my eating disorder, I am only prescribed Vitamin B12 if that's low at one of my regular blood tests. I also buy tryptophan and melatonin to help me sleep because both the eating disorder and depression causes insomnia and these two medications help. I have asked my CPN to make me an appointment with my psychiatrist to see if he'll agree to prescribe me tryptophan which he might or might not but I'd be very surprised if he'd prescribe the melatonin. GP's aren't allowed to prescribe tryptophan, only psychiatrists can.

    Anyway, we're all different people with different needs and I don't feel it's helpful for someone to come along and say they spend less with the implication that therefore so should I. My circumstances are unique to me and it's hard feeling like I have to share personal information on this forum in order to justify myself. Right now I have enough stress in my life.
    "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
    • marliepanda
    • By marliepanda 20th Sep 17, 9:14 AM
    • 4,777 Posts
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    marliepanda
    My house is 3 bed but probably costs more to heat because I'm always in it and can barely move so it's tricky keeping warm plus people with eating disorders are often always cold. My food shopping is more than most because of my eating disorder, I have so many fear foods I can't eat. I shop fortnightly online which restricts my shopping to stores to those that deliver. I am unable to travel by bus because the way it swings around corners is excruciating for my back, I have degenerative disc disease in my spine with facet joint disease and osteophytes, the latter are almost certainly pinching nerves from my spinal cord at present and the pain is indescribable. I'm under the care of the spinal clinic and pain clinic. This means my only usable transport is taxis and trains. I buy nutritional supplements because of my eating disorder, I am only prescribed Vitamin B12 if that's low at one of my regular blood tests. I also buy tryptophan and melatonin to help me sleep because both the eating disorder and depression causes insomnia and these two medications help. I have asked my CPN to make me an appointment with my psychiatrist to see if he'll agree to prescribe me tryptophan which he might or might not but I'd be very surprised if he'd prescribe the melatonin. GP's aren't allowed to prescribe tryptophan, only psychiatrists can.

    Anyway, we're all different people with different needs and I don't feel it's helpful for someone to come along and say they spend less with the implication that therefore so should I. My circumstances are unique to me and it's hard feeling like I have to share personal information on this forum in order to justify myself. Right now I have enough stress in my life.
    Originally posted by PippaGirl
    You need to realise though that as a second time bankrupt in a short time, some of those costs may not be accepted as necessary, especially supplements and medications that aren't prescribed so will not be counted as 'needs.'

    Simply put, you cannot just keep running up debt and having it written off without some consequences to yourself.
    Survey Earnings 2017 - £163
    • luvchocolate
    • By luvchocolate 20th Sep 17, 9:30 AM
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    luvchocolate
    You need to realise though that as a second time bankrupt in a short time, some of those costs may not be accepted as necessary, especially supplements and medications that aren't prescribed so will not be counted as 'needs.'

    Simply put, you cannot just keep running up debt and having it written off without some consequences to yourself.
    Originally posted by marliepanda
    Please do not be judgemental on this forum, you do not know the whole story and Pippa has shared more than she needed to already.
    We are here to offer support and advice, please keep your thoughts to yourself.

    Pippa I know its really hard for you right now please do not let this post get to you. You will get there x
    • marliepanda
    • By marliepanda 20th Sep 17, 9:50 AM
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    marliepanda
    Please do not be judgemental on this forum, you do not know the whole story and Pippa has shared more than she needed to already.
    We are here to offer support and advice, please keep your thoughts to yourself.

    Pippa I know its really hard for you right now please do not let this post get to you. You will get there x
    Originally posted by luvchocolate
    Do you really believe with that level of spending on 'extras' that a debt relief order will be forthcoming? Because I'm not so sure, there is way more than £50 a month surplus income.
    Survey Earnings 2017 - £163
    • IAmWales
    • By IAmWales 20th Sep 17, 10:08 AM
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    IAmWales
    I don't think marliepanda is being judgmental. It's all well and good being supportive and telling the OP what they want to hear, but that's no use if the OR will disagree.

    PippaGirl, you talk about melatonin, it's unlikely you will be prescribed that, but your psychiatrist can prescribe agomelatine (assuming it is not contraindicated for other reasons, for instance if you have a history of liver problems). It's a melatonergic, it mimics the actions of melatonin.

    (Not medical advice, just something you might want to discuss with a medic.)

    I have a very restrictive diet also, can I ask what foods you can eat? It's quite possible you can buy them at less cost than you are doing now. Others can often find cutbacks that we cannot see ourselves.

    (Read back and saw your food groups, Aldi or Lidl is your answer. If you can't go yourself, would a befriending service be able to help? You just cover their transport costs. Batch cook for when you're not well enough to prepare food yourself, which will be far healthier than anything you buy in.)
    Last edited by IAmWales; 20-09-2017 at 10:17 AM.
    • IAmWales
    • By IAmWales 20th Sep 17, 10:30 AM
    • 1,648 Posts
    • 3,409 Thanks
    IAmWales
    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)?
    Originally posted by skintandfat
    Where do people get this guff from?

    As already explained Labour did not introduce the bedroom tax, there is no bedroom tax in the private sector.

    Labour introduced Local Housing Allowance, which at the time was set at the 50th percentile of market rents. Few people were worse off, and for the first few years those who paid lower rents actually got to keep some of the excess.

    The Tories brought in the Bedroom Tax. They reduced LHA rates from the 50th percentile to the 30th percentile. They changed the minimum age for the one bedroom rate from 25 to 35, anyone below that now only receives the shared rate.

    The Tories scrapped the old council tax benefit and now allow councils to charge those in vulnerable low income groups. They protected their key support group, pensioners, as they did with the bedroom tax also.

    I won't get started on the changes made to ESA, PIP, JSA ...

    (Apologies for going off topic, but the amount of misinformation from skint is scary.)
    • debt doctor
    • By debt doctor 20th Sep 17, 7:46 PM
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    debt doctor
    Do you really believe with that level of spending on 'extras' that a debt relief order will be forthcoming? Because I'm not so sure, there is way more than £50 a month surplus income.
    Originally posted by marliepanda
    I am an Authorised Intermediary for the Insolvency Service, and as such have assessed and processed hundreds of DROs.
    From reading this thread you will have seen I have already said that the op qualifies on surplus income grounds for a DRO. PIP is a disability benefit to pay for the unique requirements of any disability a person may have, and as such, no justification has to be given or itemised as to how it is spent.
    National Debt-line have also confirmed qualification for a DRO.


    I am very grateful for my health and as such I prefer to support people less fortunate than myself and not put forward mini lectures and opinions on whether someone can gain a debt remedy when you clearly have no idea how such an assessment is made.
    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 ***
    • marliepanda
    • By marliepanda 21st Sep 17, 10:36 AM
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    marliepanda
    I am an Authorised Intermediary for the Insolvency Service, and as such have assessed and processed hundreds of DROs.
    From reading this thread you will have seen I have already said that the op qualifies on surplus income grounds for a DRO. PIP is a disability benefit to pay for the unique requirements of any disability a person may have, and as such, no justification has to be given or itemised as to how it is spent.
    National Debt-line have also confirmed qualification for a DRO.


    I am very grateful for my health and as such I prefer to support people less fortunate than myself and not put forward mini lectures and opinions on whether someone can gain a debt remedy when you clearly have no idea how such an assessment is made.
    DD
    Originally posted by debt doctor

    OP is also a single person paying rent on a three bedroomed house. At some point these excessive spending is going to come up, whether you think her income doesn't cover her outgoings or not. It doesn't, because she is choosing for them to not cover it.


    She may qualify for a DRO (unlikely, but, whatever you say. I'm not going to get into a qualification comparison contest...) but will be in the same situation shortly, with no access to credit, unable to pay her rent or her costs for her disability.


    Its not a mini lecture, its not surrounding in cotton wool. Telling people paying for a house to big for their needs, excessive pet costs(for the amount of pets the cost is high) and medical costs which may or may not be covered by her PIP in full, is cloud cuckoo land and not helping anyone.


    Honestly on this assessment how could anyone fail to get a DRO? Just move into a larger house than you need *instant* reduction in your excess income...
    Survey Earnings 2017 - £163
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