What happens when I cant pay?

Iwanttobefree · 12 February 2018 at 11:43AM

I've never thought of applying for PIP, I will do so, thanks

sourcrates · 12 February 2018 at 12:25PM

Iwanttobefree wrote: »

Thanks all

My one main concern is Creation Finance. if your short on time, skip next bit.

Short version, they have been a pain, I complained to the financial ombudsman, the financial ombudsman in the way they handled my complaint, in my opinion is not fit for purpose.

They found in favour of Creation in every aspect.

Stupid things like me keeping copies of all the letters I sent them over 3 years, each time asking to only deal in writing, them denying receiving them, even though they were all sent recorded.

Ombudsman saying that as I cant prove I actually sent them, they are choosing to believe Creation that they never received them.

I even had a screen shot of me logged into my creation account where I typed a message to them in 2014 stating I only want to deal in writing, but the ombudsman said that all that proves is I was logged into the account and had typed that info in, it doesn't prove I clicked send.

In the end (after their findings) I completely lost it with them, asked them if they really thought I had typed various letters over the course of 3 years just to keep on my PC for fun.

Likewise while I said I borrowed the money hence should pay it back, I also questioned Creation for lending us more credit when we were always up to their limit.

I gave the ombudsman the following example.

Anyway, here's an actual quote of part of their findings.

In other words, as it's automated, they aren't responsible for accepting my application ?

They also stated

And so on.

Completely ignoring the fact that I wasn't in my right frame of mind when applying for credit in the first place, this was at a particularly low part of my illness when I wasn't thinking straight at all, and ignoring the fact I was always maxed out and only made minimum repayments.

This is the very very very short version of our communications.

They even didn't uphold Creation calling my wife over 48 times in 2 weeks as harassment.

Anyway, that aside

We have 3 accounts with creation.

Wife account 1 owes £6004
Wife account 2 owes £4456
My account £4456

While the house is in both of our names, as we both owe debts to the same company, could that increase the chance of them forcing us to sell?

The situation you describe is all too prevalent in the banking sector, and to be honest, the ombudsman is pretty much useless in these situations, the company tells them there version of !!!!!!!!, back it up with dubious evidence, and the ombudsman believes them.

Its the same for dubious debt collectors, they lie through their teeth, and the FOS don`t challenge them, i agree its a stupid situation.

Iwanttobefree · 12 February 2018 at 2:16PM

still at it on the employment thread I asked for advice about employment on.

Normally I would ignore it, but am so stressed at the moment, the last thing I need is for someone that knows nothing about how my health is, to accuse me of basically lying.

Cheeky_Monkey wrote: »

Yet another case of 'the truth hurts'

just makes me feel like giving up on this forum altohether.

I know you tell me to ignore the trolls, but all I did was ask for advice on getting work while signed off sick, people asked follow up questions and I replied.

Getting told the truth hurts, when they have no idea of the truth, is more than annoying in my current state of mind.

I find it abhorrent that in a thread where all I did was I ask for advice, and explain why I couldn't do some of the responses. I am judged in that way.

I need to take a break for a few days thanks to a few posters.

[Deleted User] · 12 February 2018 at 2:18PM

It so annoying when people can't be supportive and offer proper advice.

Please don't give up posting on here at least, these lot are a really friendly bunch of people and will do all they can to help xx

January2015 · 12 February 2018 at 2:22PM

Other forums, even on MSE, can feel as though people are being hurtful / trolling. At least on the DFW thread most of us have been deep in debt and are able to relate to your situation. For that reason the majority of advice and support you receive on DFW is non-judgemental. Don't give up on posting on the DFW pages

pmlindyloo · 12 February 2018 at 3:36PM

I have read all of your posts and have 'migrated' from the Benefits forum to here.

I have to agree with the last poster (January2015) that you should concentrate on getting your finances sorted - i.e to increase your income and cut down on your expenditure and the best advice will come from this forum.

You have to accept that you are not entitled to any Universal Credit because of your wife working and, at the moment, you are not fit for work.

From a benefits point of view you could investigate PIP and I would recommend getting some help from CAB or a welfare specialist to make an application. If this is impossible then there is a good guide here:

https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/pip/help-with-your-claim/fill-in-form/

Personally having read about your outgoings I would think it would be helpful to post a SOA (others will tell you how)

You could then focus on reducing your expenditure (if this is possible)

I have every sympathy for you but as you have said many times we do not know you and how your illnesses affect you. We cannot really help you with applying for jobs because of this and, to be honest, it only makes you angrier when people offer suggestions because, as you say, 'they do not know you'.

By posting on these other forums you are becoming increasingly stressed so please take a rest from those forums and concentrate on your finances.

sourcrates · 12 February 2018 at 3:47PM

Every now and then we have had a number of offensive and insensitive comments made on the DFW board, and other boards.

What do we mean by this?
A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board, someone that has created a pseudonym to get their point made or a poster who has been a member here for a long time.
If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch !! ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

What should I do if I get a comment made on my thread?
Firstly do not respond to the comment as this is invariably what the troll wants.
To get rid of the offending post, click on the Report icon at the bottom of their post, as shown below:

or

Fill in the form which will alert the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR`d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

PLEASE DO NOT LEAVE THE FORUM

It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT

CapricornLass · 12 February 2018 at 5:59PM

RE Creation Finance: I'm assuming that you still have the slips from the Post Office to prove that you sent your letters by recorded delivery? If so, have you thought about writing to your MP about how you have been treated by the Ombudsman? He/she should be able to persue it further for you, especially if you are able to send copies of the proofs and letters as well. Or perhaps catch him/her at one of their constituency surgeries ( library might be able to advise as to when and where these are held, or look online.)

I have to admit, MPs vary in how efficient they are, and I wouldn't want to raise your hopes up unduly, On the otherhand, you never know, they might just be able to sort things out for you. The worst that can happen is that you get the parliamentary equivalent of a 'Dear John' letter.

But only if you feel physically well enough to do it.

fatbelly · 12 February 2018 at 6:55PM

Iwanttobefree wrote: »

While the house is in both of our names, as we both owe debts to the same company, could that increase the chance of them forcing us to sell?

No .

Iwanttobefree · 12 February 2018 at 10:18PM

CapricornLass wrote: »

RE Creation Finance: I'm assuming that you still have the slips from the Post Office to prove that you sent your letters by recorded delivery? If so, have you thought about writing to your MP about how you have been treated by the Ombudsman? He/she should be able to persue it further for you, especially if you are able to send copies of the proofs and letters as well. Or perhaps catch him/her at one of their constituency surgeries ( library might be able to advise as to when and where these are held, or look online.)

I have to admit, MPs vary in how efficient they are, and I wouldn't want to raise your hopes up unduly, On the otherhand, you never know, they might just be able to sort things out for you. The worst that can happen is that you get the parliamentary equivalent of a 'Dear John' letter.

But only if you feel physically well enough to do it.

No, I din't have the slips. The letters were regarding other issues but also had me putting in there only to deal in writing.

I kept them for a few months, but from what was said both by me and by them, it was obvious they had received them, hence didn't see the point of keeping them, a lesson I have learnt.

I contacted the post office but they reuse numbers after a year and cant track older ones.

My MP is useless unfortunately, contacting him is a complete waste of time (Brandon Lewis). I contacted him not long after he had won his seat about issues with the NHS dealing with my CFS/ME, after not hearing back I contacted him again got a response from his assistant saying they were looking into it. I never did hear back.

Then last year I contacted him about my experience with my ESA Mandatory reconsideration, I included an email I had received from the DWP and an explanation of why they were talking rubbish.

His assistant did respond by including a comment from the DWP (which was an exact copy of the email I sent him in the first place), followed by him saying that if I wasn't happy, I could always consider doing a Mandatory reconsideration (which was what I was contacting him about in the first place).

It was blatantly obvious he hadn't bothered to read my letter properly and it shows what a complete waste of time contacting him is (I am not alone in thinking this about him) .

Compare that with the previous 3 times I've had to contact an MP, once 26 years ago when I lived in Guildford, where the MP invited me to his hose for a cuppa to discus in depth my problem, and twice to Brandon Lewis's predecessor.

The first time was also about my CFS/ME, the MP (Tony Wright) contacted me very quickly taking a real interest, asking for more details and telling me how he's involved with some panel to do with looking into the problems with CFS/ME

The second time I needed to contact Tony was the student finance messed up my daughters uni finance and things were getting to crunch time. I emailed him one day and within 48 hrs, his assistant phoned us up to say he had phoned Student Finance on our behalf and had sorted the problem and the loan was now authorized (this was after about 30 fruitless phonecalls to them from my wife)

Normally I would have happily written to my MP, but there really really isn't any point with the current one.

What happens when I cant pay?

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