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debts on disability benefit
stiofain2
Posts: 2 Newbie
hi
my situation is that i have over 20k in debts
i am on disability living allowance and other benefits
i will never be able to work again
my debts are all on 5 credit cards
i own my own home and the interest only mortgage is about the same as the rateable value of the house (N Ireland ) but it might sell for a bit more
i had a problem a few years ago and used my benefits to pay the mortgage and lived on credit cards
i stopped paying the credit card payments about a yr ago
im now being threatened with court and debts have been passed to different collection agencies
can anyone help or advise me?
i know the first advise is dont ignore the debts and threats but i have and am close to a breakdown
everyday is a nightmare i cant open my door when the agents call opening the court threat letters push me further to the edge
my situation is that i have over 20k in debts
i am on disability living allowance and other benefits
i will never be able to work again
my debts are all on 5 credit cards
i own my own home and the interest only mortgage is about the same as the rateable value of the house (N Ireland ) but it might sell for a bit more
i had a problem a few years ago and used my benefits to pay the mortgage and lived on credit cards
i stopped paying the credit card payments about a yr ago
im now being threatened with court and debts have been passed to different collection agencies
can anyone help or advise me?
i know the first advise is dont ignore the debts and threats but i have and am close to a breakdown
everyday is a nightmare i cant open my door when the agents call opening the court threat letters push me further to the edge
0
Comments
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advice4debtNI: This new government funded service offers free, confidential and independent phone and email advice to anyone in Northern Ireland on dealing with debt. Link: advice4debtNI Tel: 0800 917 4607 Opening times: M-F 9am-5pm.
Mostly England and Wales issues here, but i am sure some people know about helping in NI too. Since i don't i can only recommend the above charity.
Your benefits should be protected from been taken, but if you have debts and no means to pay it, they could get a CCJ, or even a charging order on the house. Meaning when sold they get paid from the house sale after any remaining mortgage.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0 -
Any disability premiums, DLA, In Cap. Carers etc. that are awarded for assistance for illness and or disability are legally not allowed to be included as part of your income, and need not therefore be mentioned to anyone.i am on disability living allowance and other benefits, i had a problem a few years ago and used my benefits to pay the mortgage
Take a look at the link within my signature
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Try CCCS Northern Ireland for advice0
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thanks for the replies i spoke to advice4debtni.com today and they were great.
They have told me because of my circumstances I can pay my debts at a token monthly amount and my house will not be at risk.
Im looking forward to my first decent nights sleep in months tonight.
thanks again0
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