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no money, redundant but not entitled to anything!
meercatsunited
Posts: 357 Forumite
A relative who was a high earner but had loads of debt spent the last 3 years trying to pay them off. These accumulated the last time he was laid off and he used credit cards to live on, pay the mortgage etc, he was too proud to claim from the state.
He has now been told he is no longer required again and has no job.
He has a wife & 2 kids and lives in rented, he has no money at all to live on and completed all the forms, benefits have said he can have nothing as he earned too much money and should have saved but can have some benefits in the new tax year.
He has had to delclare himself bankrupt because there was no way he could repay anyone.
He now seems depressed and all are worried about him.
Anyone know what to do here? thanks
He has now been told he is no longer required again and has no job.
He has a wife & 2 kids and lives in rented, he has no money at all to live on and completed all the forms, benefits have said he can have nothing as he earned too much money and should have saved but can have some benefits in the new tax year.
He has had to delclare himself bankrupt because there was no way he could repay anyone.
He now seems depressed and all are worried about him.
Anyone know what to do here? thanks
:cool: Wisdom doesn't necessarily come with age.
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years
0
Comments
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Isn't this a duplicate of a question asked a few weeks ago?0
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no but point me in the direction and I'll read the replies there
thanks:cool: Wisdom doesn't necessarily come with age.
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years0 -
So one minute he was paying a mortgage the next he is renting? Why? Did he sell the house?
Is it getting rented out?0 -
Hi
It would help a lot if your relative came on her and detailed which benefits he has applied for, as it may be that he has not done it correctly.If you've have not made a mistake, you've made nothing0 -
lost his job could nt pay mortgage had to sell house or be repossessed used credit cards to survive hence the debt, went into rented then got another job and tried to repay everyone.
benefits just say he has earned too much to receive any kind of benefit, I thought if you paid in they helped you in times of need.
His wife did have work, working over 30 hours per week but that has dried up.:cool: Wisdom doesn't necessarily come with age.
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years0 -
Was he employed or self employed? If self employed thats the problem with claiming JSA if he didnt make the right contributions
The job centre wont of told him he earned too much previously to be entitled to JSA. Unless he was self employed and just theres no work at the moment, so its right he was told he should of saved up for these dry spells0 -
He was employed and paid NI for about 4 years since the last job loss.
just heard jsa income based was refused even though they told him to apply for this, he has now applied for the other jsa not based on earnings and reapplied for housing and council tax benefit as instructed by the same benefits staff.
apparently there are 2 types of jsa.
We just do not know the system never having claimed:cool: Wisdom doesn't necessarily come with age.
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years0 -
If your relative is an undischarged bankrupt, and his wife has no savings or assets, and she is no longer working, then they should be able to claim income related JSA.
If this is the case and their income-related claim has still been refused on the grounds that they have assets or savings, it may be a mistake and can be resolved by writing to the Benefit Delivery Centre explaining the situation and enclosing a copy of the bankruptcy order.0 -
meercatsunited wrote: »A relative who was a high earner but had loads of debt spent the last 3 years trying to pay them off. These accumulated the last time he was laid off and he used credit cards to live on, pay the mortgage etc, he was too proud to claim from the state.
He has now been told he is no longer required again and has no job.
He has a wife & 2 kids and lives in rented, he has no money at all to live on and completed all the forms, benefits have said he can have nothing as he earned too much money and should have saved but can have some benefits in the new tax year.
He has had to delclare himself bankrupt because there was no way he could repay anyone.
He now seems depressed and all are worried about him.
Anyone know what to do here? thanks
Poor soul. The benefits system is no help to those of us who were in decent jobs then find ourselves surplus to requirements.
I wish my experiences could give some comfort, but even when the savings I had when in this situation dried up and I found myself with growing debts, the attitude I encountered was that the benefits system is not there for the likes of us.
Sadly, we are allowed to sink.
I would recommend that he sees a benefits advisor asap. I found out, too late, that I actually had been eligible for some of the benefits I'd been refused.My first reply was witty and intellectual but I lost it so you got this one instead
Proud to be a chic shopper
:cool:0 -
Thanks I have found a benefits advisory service in our area run by the local council.
I think the problem is that it is so complex that all the staff can do is try to follow the rule book and those of us who never claim are the ones that suffer. He was granted an emergency type loan to cover a 2 week period that will just about cover food but not school meals, utilities, rent.
He is undischarged, they have no savings or assets to dispose of and are borrowing from relatives.:cool: Wisdom doesn't necessarily come with age.
Sometimes age just shows up all by itself
In the end, it's not the years in your life
that count....it's the life in your years0
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