What Options Do I have??

cybergirlclareb

I already was on the virg of Bankruptcy, now to add insult to injury, I received a letter today saying I have been overpaid by £4000, I phoned them and fair enough they will take installments but I will be left with about £10 a week if even, add to that housing benefit also has been overpaid and stopped and I am waiting to hear the outcome of that, What can I do apart from leaving the country? £9000 grand in debt, +£4000 overpayment, advised not to work due to health, I could cry...

lynzpower

Aww darling

Im sorry things just sound awful. Have you actually started bankrupcy proceedings?

Lynz
x

cybergirlclareb

lynzpower wrote:

Aww darling

Im sorry things just sound awful. Have you actually started bankrupcy proceedings?

Lynz
x

No, because I can't afford to.

Here's my Income and expenditure

Income:
Housing Benefit 0 (Inc Rates)
Incapacity Benefit £228.00
Child Tax Credit 0
Child Benefit £67.00

Total = 295.00 Per Month

Outgoings:

Rent £280.00
Shopping £80
Electric £50
Phone £40
TV Lisence£11
Broadband £15
Insurance £25
Tax £15

Total £516 Per Month


That is even before I pay creditors and I am behind in rent and car finance.

MBNA = £4250.45
Capital One = £3890.45
Over paid Tax Credit = £4000
Hosuing benefit = not sure

lynzpower

why is housing benefit not paying your houseing

Broken_hearted

I thought the tax credit overpayment would stay on even after bankruptsy, I get confused so hopefully I'm wrong.

cybergirlclareb

lynzpower wrote:

why is housing benefit not paying your houseing

It apparantly has been overpaid also and is under review, because tax credit have been overpaid it also put housing benefit off..

cybergirlclareb

Broken_hearted wrote:

I thought the tax credit overpayment would stay on even after bankruptsy, I get confused so hopefully I'm wrong.

I think your right, I can't work due to the depression and anxiety problems I have developed with debt so a long length of rope in the woods seems to be my only option

lynzpower

Cyber girlclare,
Please dont talk like that.

Is there any work you could do? Do you get a certain amount of hours you can work with Incapacity ben? as there is with JSA?

Emmzi

CGC,

I know things seem bleak right now, but you WILL get through this, if only for the next little while because of your kid.

Do you have any family?

Are you in council housing? Have you been to talk to them about your position? Sometimes they can be quite helpful in finding you somewhere cheaper as a priority.

Who have you taken advice from? CAB? Who did you talk to about your bankruptcy first off?

cybergirlclareb

I have been phoning around all day, the jobcentre has 2 jobs in a 20 mile radius, 1 on a building site the other as a roof joiner.. Not exactly for me.. I have phoned around bars,cafes etc but no vacancies, problem being here in Northern Ireland its actually a case of spot the Irish, there is that many eastern european workers, who do the jobs below the min wage which give me no hope. I really don't know what to do..

cybergirlclareb

Emmzi wrote:

CGC,

I know things seem bleak right now, but you WILL get through this, if only for the next little while because of your kid.

Do you have any family?

Are you in council housing? Have you been to talk to them about your position? Sometimes they can be quite helpful in finding you somewhere cheaper as a priority.

Who have you taken advice from? CAB? Who did you talk to about your bankruptcy first off?

Ispoke to the CAB about bankruptcy, they advised either go bankrupt or my creditors may apply for bankrupcy. I might have to move in with my parents, but after going bankrupt they will not want me and I know that for a fact as they through me out when I was 18 for maxing a £500 credit card, thinking there credit ratings would be effected with me living there