now on antidepressants due partly to debt, is it time for a dmp?

megisabel

I wonder if CCCS would let me on if my husband was the main contact but with me as the joint applicant?

petrafyde

If you aren't presently working I would advise to change your working status and see if there are any benefits you are entitled to.

It looks to me as though you're unemployed currently, so you're already potentially losing out on benefits, free advice etc?

megisabel

I was hanging on to my self employed status because I was wanting to find out if I could claim incapacity benefit?

What a mess

my head hurts

marklunn3602

Morning megisabel

How bizzare! Your OH is me and your my OH! All doing the exact same thing, one spending money thats not there and the other pretending its not happening until its too late!
My wifes dropped another 6K on me this morning and hopefully now thats it. Its taken 6 days to get the whole truth out so I know what your going through.

We've just been talking and one thing I've just realised is, how the hell has she managed to juggle all of these debts alone and still keeping up the facade of a normal family life without having a nervous breakdown?

We've been to the docs this morning and waiting for a call back when they've found the right department to send my wife to, so I'll keep you posted on that. Once we know you can tell your Dr and it should speed things up for you.

I'm off to the bank this ifternoon to open new accounts ready for the DMP (might be an IVA yet!) and so I can take full control of the money.

Tell the OH and get it off your chest!

Mark

petrafyde

megisabel wrote: »

I was hanging on to my self employed status because I was wanting to find out if I could claim incapacity benefit?

What a mess

my head hurts

I can appreciate that, but it isn't helping you. If you're unsure, ring revenue - people are always scared about benefits and claiming but if you don't do it you'll never know. I don't mean to sound tough, but you're potentially losing money and thats what you need right now xx

megisabel

i have rung inland revenue and apparently i only owe 21 pounds to have a fully up to date national insurance contributions account, think this is what they go on for eligibilty for incapacity benefit. my gp would write me a sick note

i just dont know whether to do it or not

my depression seems to make me incapable of making simple decisions

megisabel

marklunn302, good news that you go to doctors, id be very interested to know what they say. Can i also just say well done to you for being so understanding, hope my OH can be as compassionate and understanding as you are being.

megisabel

petrafyde wrote: »

I can appreciate that, but it isn't helping you. If you're unsure, ring revenue - people are always scared about benefits and claiming but if you don't do it you'll never know. I don't mean to sound tough, but you're potentially losing money and thats what you need right now xx

I dont think I am losing money as dont think that even if i unregistered as self employed i would qualify for any other benefits due to my husbands income

petrafyde

Well CCCS can't help you if you're self-employed?

Anyway, it wasn't meant in the wrong tone. Hope you get sorted

megisabel

petrafyde wrote: »

Well CCCS can't help you if you're self-employed?

Anyway, it wasn't meant in the wrong tone. Hope you get sorted

oh it didnt come across in the wrong tone, sorry if my post seemed that way!

sorry, i appreciate i must be annoying with my waffling etc just a bit like a rabbit caught in headlights!

so, do payplan help you if SE?

is it right that if i had a DMP and went on to claim incapacity we wouldnt have any more to live off just more to throw at debt? anyone?