Is Bankruptcy My Only Option?

Broken_hearted

I don't see how you are in this mess, you should be getting enough to live on. Chase up the benfits agency.

cybergirlclareb

lynzpower wrote:

hun
who do you rent from. A council?

Do you get HB paid directly to you? Or does it go to the LL?

On the plus side, ( there is one, honestly) when the benefits turn up, you will get a fairly large lump sum, that should sort lots of stuff out.

No a land lord and it comes to me.

Broken_hearted

Also you could get social fund loan for £1,000 to tide you over.

cybergirlclareb

Broken_hearted wrote:

Also you could get social fund loan for £1,000 to tide you over.

Is the social fund and crisis loan not the same thing?? The giro I got had Social fund wrote on it.

lynzpower

Ok

Right, so, lets see.

Firstly, if you are having trouble budgeting anyway, could you get the HB sent direct to the landlord, then its the extra bit of arrears that are left to you. You cant live on your rent, i have done this and its really, a bad idea, so if theres anyway you can get this done, this really might help.

Have you seen the CAB about giving the benefits agency a kick up the rear, this HAS to be your priority to get this cash to you asap

lynzpower

Social fund loans are to pay for actual things such as a washing machine or furniture ( used to be called budgeting loans) Crisis loans are for living on if you genuinely have no cash, ie perfect for your situation.

Broken_hearted

Social fund loans can be used to cover arrears on essentials

fivemice

How long has your claim been going through?
I'd get on the phone and not get off until they can give you a date - do anything, cry, demand a manager.. anything.. they cannot leave you in this situation!

Broken_hearted

fivemice wrote:

How long has your claim been going through?
I'd get on the phone and not get off until they can give you a date - do anything, cry, demand a manager.. anything.. they cannot leave you in this situation!

Sadly they can and do.

cybergirlclareb

Broken_hearted wrote:

Sadly they can and do.

I phone every day. Put it this way it took incapacity benefit 2 weeks before they even got my claim, what ever happened I don't know. I phoned housing benefit today and the girl who is dealing with my claim informed me she had been away on a holiday for 2 weeks and has a very heavy back log. (Nice For Some) But even in saying that when I do get all my benefits through I'll have money to live yes, but I'm still screwed in my current position.