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  • FIRST POST
    • Iwanttobefree
    • By Iwanttobefree 10th Feb 18, 4:26 PM
    • 1,211Posts
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    Iwanttobefree
    What happens when I cant pay?
    • #1
    • 10th Feb 18, 4:26 PM
    What happens when I cant pay? 10th Feb 18 at 4:26 PM
    Hi am on a DMP and owe about 22K to 10 different creditors (unsecured debts) and have been on it for a few years.

    I used to have £186 a month to share between them, but I have failed my medical to get ESA support and have just also failed my tribunal appeal.

    However both my physio and my GP say I must not work and my GP is signing me off indefinitely.

    The outcome of this means that as my wife works more than about 25 hours at minimum wage, I will get zero benefits, meaning we are £109 a week worse off.

    Until our mortgage finishes in about 7 years, we simply can no longer afford to pay them any more than £1.

    In 7 years they can have £300 between them.

    So what happens now?

    Sorry if I sound a bit blunt, am on the verge of simply giving up, I cant take much more of this stress.
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Page 2
    • Iwanttobefree
    • By Iwanttobefree 12th Feb 18, 9:18 PM
    • 1,211 Posts
    • 3,045 Thanks
    Iwanttobefree
    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.
    Originally posted by CapricornLass
    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.
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    • Iwanttobefree
    • By Iwanttobefree 12th Feb 18, 9:19 PM
    • 1,211 Posts
    • 3,045 Thanks
    Iwanttobefree
    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.
    Originally posted by pmlindyloo
    Thanks. I will sort out an up to date statement of affairs (and expect to be told off )
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    • fatbelly
    • By fatbelly 12th Feb 18, 10:35 PM
    • 11,921 Posts
    • 9,008 Thanks
    fatbelly
    Thanks. I will sort out an up to date statement of affairs (and expect to be told off )
    Originally posted by Iwanttobefree
    Constructive comments, surely!

    Also, I agree with you re Brandon Lewis. He'll probably be pm someday.
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