Dwp debt managment can not keep up payment help

chesky369

I think it's fairly obvious you need a bit of hands-on help here. Get yourself down to your local citizens' advice and ask for a session with their debt management adviser. They'll help you with sorting out your expenditure for a start.

Jowo_2

liverpoo wrote: »

I only work and my wife has depression, as sh can be happy and sometimes moody. My son is hard work, as he can not dress himself nor eat himself.

.

What kind of treatment or support is your wife getting for this? Has she been diagnosed by a GP, seeing a counsellor or getting any support from a depression support group, either locally or nationally?

http://www.nhs.uk/conditions/depression/Pages/Introduction.aspx?WT.mc_id=61006

http://www.depressionalliance.org/

How old is your son and what specific illness or care needs does he have?

Is your wife in the position to work at all since your budget has little scope for reduction? You say that she buys a lot of clothing, shoes, etc, but you've only listed £100 pcm for expenditure on clothes. Is this an accurate summary of your wife's spending?

liverpoo

Hi jowo,
Yes i tried negotiating with them, as they said you have the loan longer with us and they want the payment to be repaid faster, as i have other money owed to family, which i have held back, as the property was brought together to help me purcahse the property, I need to pay them back yet, as otherwise other alternative would sell the house and pay all the debts off and apply for council housing, as this is the only thing i can think off.

Jowo_2

Does this £200 per month that you've listed as debt repayment include everything?! What will be your total debt repayments should you start paying back your relatives, too? Was the loan of money by relatives set up formally with a contract or done informally, such as verbally?

Also, I don't understand how you expect to qualify for social housing once you've sold the property - please contact Shelter about this proposal to see if it comes under the 'intentional homelessness' clause whereby households who are seen to give up their accommodation are not regarded as a priority for social housing allocation.

If you sell the property now, what kind of equity after legal related sales fees of about 1k, plus 1.5% commission for the estate agent do you expect? In other words, is there positive or negative equity in the house and would it pay off all your debts to all your creditors?

As per the previous poster, you should book an appointment with CAB and give them your FULL income and expenses, all liabilities, and they will be able to come up with a strategy for dealing with them. Discuss your suitability for social housing if you sell your home. Also, as suggested previously, detail your problems and SOA on the Debt Free Wanabee board.

Because you haven't answered the previous questions about the health of your wife and child, no-one on this forum can help explain potential options and solutions for them, including any additional benefits you can apply for. If your wife could work in a full time minimum wage job, she could potentially bring in an additional £760 income into the household, though you would have to model this on the Entitled To website to understand its impact on means tested benefits, such as tax credits.

liverpoo

£200 is a private loan. I have other debts to pay off to the 2 family member of which is £37,000 x 2 = 74,000 ,as they chipped in during the mortgage payment, so i have to re-value the house and divide by 3, as i have to pay other 2 brother yet, so you can see too many debt, so this is the reason i may have to sell if worst situation comes.

I need to check what you have said above CAB and equity.

She had happy pills and we never took any further, as she had depression, as she does not want to claim and she thinks she does not have depression, as she get angry when you say that to her.

karenx

Do you really need the car? Sell it and you wont have to pay for petrol, insurance etc. Buy a bus pass for £40 a month instead. Use the money from selling the car to pay DWP

Jowo_2

The £200 you pay back per month listed on the SOA is a private loan? Did you not include the £80/90 per month DWP repayment?!

Why won't your wife work? Is she not aware of the scale of the household debt? How old is your son - is he young enough to arrange child care for or old enough to look after himself after school for an hour?

How patient are your relatives? If you can't manage to pay the DWP £20 per week (£1000 per year), how/when are you planning to pay the £74k back? At this rate, it will take you more than 74 years (and that assumes no interest is being paid!).

I think you really need to see CAB, a face to face consultatation for a comprehensive review. Book an appointment and take in all the information you have. Also, put the true figures on the Debt Free Wanabee board for their expert advice (and that means everything). The CAB or DFW members will tell you how to deal with that private loan where they have refused lower payments.

You're original post was about not being able to keep up with a modest DWP repayment but now it's clear that you have more than 80 grand owed to various parties, you really only have part time employment and you have relationship/health issues with your wife. It's been really hard wheedling out the true picture of your liabilities and household constraints so I think it is very hard for anyone here to suggest solutions with partial info.

Good luck. CAB and the Debt free wanabee members will help steer you.