My fight to get my life back!

pebbles88

Ames wrote: »

Have you tried applying for DLA? You can get that and work, and if your hand/wrist problems mean you can't cook a meal from scratch then you should get the lower rate care. That's currently £17.75 a week. If you've got a DIAL near you they can help you with the forms.

I agree with the others, I think you're going to have to sacrifice your credit rating here.

Hi,

yes i tried with dla, they turned me down for that too. applied at same time i applied for my incap.

and yes i have accepted that my credit rating is going to go down, i will just have to live with it. my only worry is when we need to renew our mortgage deal in 2 years time, but we shall deal with that when it happens.

Ames

When did you get turned down, was it less than a month ago?

pebbles88

can anyone recommend a basic bank account that is not connected with halifax/hbos/rbs that will allow me to open an account with them once the poop hits the fan??

pebbles88

Ames wrote: »

When did you get turned down, was it less than a month ago?

hiya,

no i applied for dla at the same time i applied for my incap, which was feb 2008. they had no prob giving me the incap but turned down my dla.

Ames

It might be worth reapplying, did you get help from a welfare rights advisor or did you fill the forms in yourself?

pebbles88

i got help from welfare rights.

i cant see how they would accept it this time, especially as they have put me on JSA foloowing my pca, my incap appeal is going through re-consideration. They just seem like utter idiots!

misspoppy

pebbles88 wrote: »

can anyone recommend a basic bank account that is not connected with halifax/hbos/rbs that will allow me to open an account with them once the poop hits the fan??

I can recomend the co-op, the online is really easy to use, you get an electron card and can pay in via the post office.

Ames

Didn't welfare rights advise you to appeal? Was it your local council one or somewhere like DIAL? DIAL have been brilliant with me.

TotallyBroke

pebbles88 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 3
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 920
Benefits................................ 242
Other income............................ 0
Total monthly income.................... 1162
Monthly Expense Details
Mortgage................................ 506
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 110
Electricity............................. 0 mum pays in lieu of rent Are these in your name or Mum's try switching provider
Gas..................................... 0 mum pays in lieu of rent Same as above
Oil..................................... 0
Water rates............................. 0 mum pays in lieu of rent
Telephone (land line)................... 11 split cost with mum
Mobile phone............................ 90 These are huge, phone companies and get them to reduce the tariffs on them. Once contract up get a new one that suits the usage or go PAYG
TV Licence.............................. 0 paid for by relative This years one maybe but will you have to pay it when it runs out
Satellite/Cable TV...................... 14.5 split cost with mum
Internet Services....................... 15 split cost with mum This is high if split. Lump in with sky or landline
Groceries etc. ......................... 100 just for me & dh You could reduce this slightly. Maybe doing a family shop and cooking for all 3 would be cheaper for you all
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 3.50 (£35 a year)
Car Insurance........................... 38
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20(£10 my ppc& £10 dh glasses)
Pet insurance/vet bills................. 0
Buildings insurance..................... 29 (inc contents insur)
Contents insurance...................... 0
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 5
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1142

Assets
Cash.................................... 0
House value (Gross)..................... 90000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 90000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 93600....(506)......0
Total secured debts........... 93600.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
tesco cc.......................613.78....10........15.6
natwest cc.....................8750......185.......18.84
halifax cc.....................2450......55........13.9
tesco loan.....................14875.....213.......0
asda cc........................2850......86........16.5
capital one cc.................120.......15........30.34
Kays catalogue.................1214.01...52.36
Littlewoods catalogue..........270.94....on buy now pay later til later in yr

Total unsecured debts..........31143.73..616.36.......-

Monthly Budget Summary
Total monthly income.................... 1,162
Expenses (including secured debts)...... 1,142
Available for debt repayments........... 20
Monthly UNsecured debt repayments....... 616.36
Amount short for making debt repayments. -596.36
Personal Balance Sheet Summary
Total assets (things you own)........... 90,000
Total Secured debt...................... -93,600
Total Unsecured debt.................... -31143.73
Net Assets.............................. -33,258.78
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

well i hope i have done this right

mum lives with us and pays for the utilities (gas/water/elec) and splits tv/phone/internet costs with us in lieu of rent.

Ok with cutting back and maybe taking responsibility for all the household bills may help. You could then ask your Mum to pay a monthly rent amount. At the moment I would guess she is only paying approx £180 per month. I personally think you could ask for more than that off her. Then with reduced utility bills and internet etc it would pay off more debt.

With the £10,000 I would pay off Capital One, Natwest and Tesco credit cards. Have the rest of either sitting as back up or get rid of the buy now pay later thing. By paying the 3 I have mentioned it will give you a spare £210 a month off your defiit.

Good luck

bouncydog1

Hi -apologies if I have missed the point, but was your RSI caused by what you were doing at work? If this was the case perhaps you might have a claim against your employer?

I believe you might be able to get 1/2 hour free legal advice in UK but not entirely sure. Perhaps somebody else could comment.

Wishing you luck.

BD1