Life after bankruptcy?

miggy

I hope that appointment is useful Ani.

I hate to see you so down. I wish I could help. The reason I don't feel I can accept a hanging basket right now is I would feel so sad looking at it if you weren't around any more. If it weren't for that I would love one - though I have a feeling the family think I'm nuts enough already with 95 tomato plants. You sure you wouldn't like some?

By the way (and I've probably mentioned this before) can you use the library for computer access? It's also free heating

Well done for getting all the stuff sorted for your meeting. And I'm glad there's the extra £20 coming to you. I wish you could have it for yourself but even if it has to go to debts it will mean something is being paid.

Okay, time I got some sleep, catch up later.

ani_26

beanielou wrote: »

Been catching up on your thread.
Good news on ESA & I* dont understand why you dont have entitlement to full CTB & HB.

Beanie, you disappeared, are you ok?

I've already mentioned why previously, and its becoming one of those you don't openly talk about, thanks to dwp or whoever it is.

Incompetence, shall we say

ani_26

miggy wrote: »

I hope that appointment is useful Ani.

I hate to see you so down. I wish I could help. The reason I don't feel I can accept a hanging basket right now is I would feel so sad looking at it if you weren't around any more. If it weren't for that I would love one - though I have a feeling the family think I'm nuts enough already with 95 tomato plants. You sure you wouldn't like some?

Aaaaww miggy, i never thought of it like that. Somehow its still difficult to imagine my internet " friends " as real people. Under normal circumstances i would love some tomato plants and the cuttings.

By the way (and I've probably mentioned this before) can you use the library for computer access? It's also free heating

Yes, for 20 mins :rotfl:

Well done for getting all the stuff sorted for your meeting. And I'm glad there's the extra £20 coming to you. I wish you could have it for yourself but even if it has to go to debts it will mean something is being paid.

Okay, time I got some sleep, catch up later.

I'm not quite due the extra yet, and lets not forget, it will probably take them another 3 months to pay me it, as everything seems to take, on average, 3 months. Its frustrating, when you see other people seemingly getting their benefits, brand new mobility cars etc, so quickly, from the " system ". How is it done? Will somebody please tell me?

ani_26

Hoorah, got appt soon. I'm not actually that down at the moment. I'm euphoric. I can go to this sodding appt, they can tell me what we all already know, ( except my creditors, ) that there IS no disposable income, and i'm free to, well, i know why. I've no more appts, no one currently visiting me. No one will know. Hoorah


Its strange when you think about it, isn't it. The place where debt can lead you, and even where the system can inadvertently lead you. In real terms, after looking at that thread, i've realised its unlikely that i ever WILL be debt free, in my lifetime. Thats shocking, isn't it. I can't even look forward to any goals.

Its strange, i don't even feel as if i'm off sick, anymore. Am i really off work, sick? I now just seem to be in this permanent state of extreme stress, its just a way of life, to me almost. In the time since i've been off work, it just seems to have been endless phone calls, letters, meetings, appointments, whatever. Every single day. The only difference is, i don't work, anymore. How would i have time to work, too? Goodness, this garden would soon go to rack and ruin, if i were working. Its the first time in my life i've ever had " time " to garden. Work. God. How would i ever integrate back into soceity. I still lead this double life, almost, where outwardly i maybe appear ok? I don't know. But inside my head, its a different story and maybe its easier to express your thoughts by writing, I know what my thoughts are telling me, but its always a different case, with the physical body. Its like an endurance test, between the two. Who will win?


Anyway, i AM euphoric today. Best go and get ready for my appointment, and them i'm FREE. Yippee

Aaaah, peace and freedom is soon to be mine, and a beautiful day for it, too.

Love and hugs to you all xxxx


FFLW

Aesop

ah that's not fair ani, if you are talking about what I think you are taking about re benefits. These are special circumstances and dealt with as such by a different department.

As to your freedom, we can't stop you but as miggy says you will be missed. But hey you are allowed to be selfish and do what you want.

miggy

Hoorah, got appt soon. I'm not actually that down at the moment. I'm euphoric. I can go to this sodding appt, they can tell me what we all already know, ( except my creditors, ) that there IS no disposable income, and i'm free to, well, i know why. I've no more appts, no one currently visiting me. No one will know.

When you say 'no one will know', that excludes us, though of course we won't know, not for sure. We'll be back to wondering for weeks or months, which is what happened when you went off line in the Autumn.

Wondering is hard going.

You have real friends on line even though you haven't seen us face to face.

So if you log back on, know for sure we'll be checking and hoping you stay with us.

{{{hugs}}

ani_26

Miggy and Aesop, you have just made me cry, although i'm already in that mode. Miggy, i've often wondered what you look like. Its very strange having a long term online "friendship " and you don't know what that person looks like.

The upshot of the meeting today is i feel like the most worthless piece of s*** imaginable. I've been told in no uncertain terms, they won't help me again. I've also been told i stand no chance of receiving dla, and that i'll be thrown straight off esa, and get back to work. However, i suppose the only way i can deal with it, is by telling myself that person doesn't know me or the full extent of what i've been through. Its only words coming from a stranger, isn't it?

The problem of why my w** hasn't been stopped, has been resolved. I'm set to receive it for 26 weeks, apparently, as i'm self employed, and therefore its ongoing for 26 weeks. Which now affects my entitlement to benefits, and i'm worse off because of it. Can someone please tell that to hmrc? I'm fed up of the endless conflict as to whether i'm self employed, or employed. No one is ever going to agree, and it affects my whole life, whether it be when i'm working, in the form of tax, or not working, in the form of benefits. Whichever suits who it is at the time,and leaves me, ultimately, with less income.

No soa been done. Straight in for the kill. A dro, ( debt relief order, miggy.) Two years after bankruptcy and now i'm going for a dro. I feel such a wothless piece of s***, and does it really solve any of my problems? Shouldn't i feel happy? relieved? I don't. I feel worthless. I gather it means if i'm still unable to clear my debts in a years time, they are wriiten off. All for the price of a measly months salary. What £1500? £2k maximum. I'd almost managed to survive, against the odds, in the last two years, hadn't i? Now i've lost my banking facilities too, and there's a mass of failed dd's here today. Start again time, sometime next year. I won't make it. I can't go back to my previous job. The mess with all the tax and employment status, has got out of hand. I can't cope with it all, anymore. I can't cope with anything, anymore.


Oh, i forgot. I have to endure life with the baliffs from the council, and whoever else decides to pursue me, in the next month, and in the meantime the council won't think twice about evicting me.

Life, doesn't get much better,does it?

miggy

PM'ed you.

Don't let anyone give you the impression you're 'worthless'. That's rubbish. Of course you have worth. You're a kind, conscientious, adventurous person who happens to have been caught in a whirlpool of an economic situation. You've nearly worked yourself to death and normally the safety net would catch people but in your case it hasn't.

What does your doctor say about you working? Surely you're signed off sick? How long have you got on your sick note?

It seems to me the best way forward may be to get out of the 'self-employed' label, because this is part of what's creating the situation. Would you eventually be able to consider working elsewhere, even part time and minimum wage - if that then entitled you to other benefits?

Just a thought. I realise that right now you aren't working because you're not well enough and I'm not arguing with that.

ani_26

I think its definitely not an option to return to my former employment, sadly. Now is the time to get out. I still have a couple of weeks left on my sick note.

miggy

ani_26 wrote: »

I think its definitely not an option to return to my former employment, sadly. Now is the time to get out. I still have a couple of weeks left on my sick note.

I think you're right. It just doesn't pay enough.

Can you be seen to be looking into other work?