Natwest visa debt -serious illness no ppi

Tixy

Culex wrote: »

How about telling the national press about how the slimeballs at Natwest - 80% owned by the taxpayer - are mercilessly hounding someone who is unable to work because of serious throat cancer?

With antics such as those, it becomes quite obvious why "Sir" Fred Goodwin doesn't like to be called a banker.

Are they mercilessly hounding them though? - or did they agree to a temporary interest freeze and then issue a default notice in line with regulations.
OP hasn't mentioned them calling the house incessantly or sending out loads of harrassing letters.

valeriedixon

We do have a separate account that we are using for day to day now so that any income cannot be taken by Natwest against overdraft etc.

OH has applied for disability living allowance - applied 6 Jan- but there are long delays in processing claims. Carers allowance can´t be claimed until DLA paid. Also because we are on income related ESA if I claimed Carers allowance the full amount is deducted from ESA (means tested and CA is taxable income) which would negate the full amount so no point. However if we did have income from DLA it would help make additonal payments if we were to continue spending as little as possible.

To be clear at the moment neither natwest od and cc are not hounding us at present, they have just stated the process of what will happen next and that they have no flexibility in the matter with regards to freezing interest (other than the 6weeks they have given us on the cc to enable us to send them letters of details of illness etc). So at the moment we can´t say they have but they have been very clear about what action will be taken and that they cannot help us at all in any way.

One of my biggest worries is getting defaults and then not being able to move to a ground floor flat because landlords won´t accept us even with a guarantor. If we are defaulted then I can´t do much about it but if we had to stay where we are I cannot keep physically aiding OH on the stairs when he has to go to hospital etc and can´t get wheelchair until DLA sorted. This has been really intense since last November and think it has finally got me desperate!

We have always supported each other in everything and would discuss everything but I haven´t had any support from anyone and it is so hard. I did try once to have a bit of a chat with OH but he is on so many meds he can´t think straight and then I feel like s##t for even mentioning it to him. He doesn´t need this stress, we are lucky he even still with us.

Thanks for all of your comments, it is helping to talk it all through as can´t talk to OH and have been feeling physically sick with the worry of it all.

Sorry for the long vent - I guess it is the inevitability of it going to happen anyway so why am I even bothering!:(

ERICS_MUM

valeriedixon wrote: »

I have posted SOA, I made an error total owed to Natwest card was 8500 and Overdraft is 11000, sorry got muddled.

I have not included figures for rent and council tax as this is being covered by Housing Benefit..... and yes I am embarrassed about living off benefits but have never done so ever before.

Please do not be embarrassed. I have paid tax and NI for 37 years and feel very strongly that it should be used to help people in your situation. I'm sure that most posters to the thread will agree with me on this.

To be honest I'm surprised that you can't claim more in the way of benefits and support to make life a bit easier. Does your husband have a MacMillan nurse that could arrange some financial advice, or check out their website:

http://www.macmillan.org.uk/Cancerinformation/Livingwithandaftercancer/Financialissues/Financialissues.aspx


I do hope your DH is being kept comfortable and pain-free. Do you have friends and family who can look after YOU, do you have carers or nurses to come in and help him, perhaps at night so you sleep?

Best wishes to you both.

Linda xx

CH27

McMillan can give financial help.
Does your husband have a McMillan nurse?

dancingfairy

Sorry to hear how tough things are.
Are you able to try and hurry up the DLA application? I don't know whether if you phone for an update they will tell you how long the waiting list is either? You could try getting in touch with your local MP and asking them to intervene on your behalf as the added stress of waiting for the benefits to come in isn't helping you.
Another thing - I understand your husband is gravely ill and you probably wouldn't want to think about this but has he sorted out a will? Obviously if things did take a turn for the worst then it might be one less thing for you to have to deal with - I don't know if he has anything of special sentimental value that he would like someone to have - that sort of thing. Has he got any policies that might assist you in the future if he dies - obviously that is a worst case scenario but you don't want to be hunting around for important documents at a stressful time if necessary.
Regarding housing -I don't know if the council will be able to assist with a downstair flat? seperate to that they may offer help with perhaps installing a hand rail or other things to assist although I don't know if that's for private rentals as well or not?
I think your best bet is going to be private rental - going through an agency is likely to result in a lot of fess up front but also credit checking which you are unlikely to pass - although if you explain the situation they may be able to persuade a landlord to let to you?
Are you checking gumtree, the papers- that sort of thing to see what's coming up and in what area?
Can the hospital assist in any way - providing equipment to assist you and your OH or with finance or anything?
Also if you write a letter to the banks detailing the situation they may let you off paying the debt back on compassionate grounds? I know it's not ideal but they might be willing- it's worth a try.
Best of Luck
df

valeriedixon

We don´t have an appointed MacMillan Nurse as such but they do have a base at the hospital and they are fantastic and they were very helpful with getting all of forms in but now we are in the system we just have to wait.

Have been under the hospital since diagnosis with daily trips for radiotherapy and chemo 5 days a week but this last week we don´t have to go until 31st to see Oncologist. No other support. I don´t mind that, I can cope with it, it is just the financial side is meaning every opportunity I might have for a rest is taken up with phone calls, reading forums for info, writing letters, juggling the money we have and worrying.

I think my best bet is to try and get in to our local CAB as I think it would be better to have aface to face chat with all of the paperwork.

I will get it sorted I think it is just having the right advise. I am just scared stiff of being in default on loans etc as we have never been in that position. The one good thing about it is that if we ever get out of this hole I will never take credit again (not that we will be able to anyway) and boy am I getting good at eeking the money out.

If we do eventually get DLA I will be able to get some help with the caring side and hopefully I will then be able to find some work. At the moment I get so little sleep it just isn´t an option to think about it. OH bless him is away with the fairies on his morphine and is quite often in a very happy place - I´m thinking yep I could do with some of that ha ha. A glass of wine with an oromorph chaser ho hum if only I could afford the wine!!!!!!

Thank you for all your kind comments and concern.

valeriedixon

dancingfairy wrote: »

Sorry to hear how tough things are.
Are you able to try and hurry up the DLA application? I don't know whether if you phone for an update they will tell you how long the waiting list is either? You could try getting in touch with your local MP and asking them to intervene on your behalf as the added stress of waiting for the benefits to come in isn't helping you.
Another thing - I understand your husband is gravely ill and you probably wouldn't want to think about this but has he sorted out a will? Obviously if things did take a turn for the worst then it might be one less thing for you to have to deal with - I don't know if he has anything of special sentimental value that he would like someone to have - that sort of thing. Has he got any policies that might assist you in the future if he dies - obviously that is a worst case scenario but you don't want to be hunting around for important documents at a stressful time if necessary.
Regarding housing -I don't know if the council will be able to assist with a downstair flat? seperate to that they may offer help with perhaps installing a hand rail or other things to assist although I don't know if that's for private rentals as well or not?
I think your best bet is going to be private rental - going through an agency is likely to result in a lot of fess up front but also credit checking which you are unlikely to pass - although if you explain the situation they may be able to persuade a landlord to let to you?
Are you checking gumtree, the papers- that sort of thing to see what's coming up and in what area?
Can the hospital assist in any way - providing equipment to assist you and your OH or with finance or anything?
Also if you write a letter to the banks detailing the situation they may let you off paying the debt back on compassionate grounds? I know it's not ideal but they might be willing- it's worth a try.
Best of Luck
df

My husband is very ill and is undergoing an extreme treatment regime but we are hoping that it will be successful but it will mean he is going to be extremely incapacitated for at least the next twelve months and I am unsure if he will be able to work for a long time, if at all, but he should improve over time. Unfortunately the stairs are a problem because he so weak and has a problem breathing, even gets out of breath putting socks on!!! If we had a ground floor flat once we can get a wheelchair it will mean I can take him out for a little walk (ride) in the fresh air and I would not have to help with the stairs as even though he has lost a lot of weight he is still heavy for me.

Once we get DLA it will open doors for other help the problem is a bit complex though, if he had been declared terminal likely to die in the next 6 months we would have had it through by now but from what I can find out on cancer forums etc 1)The doctors don´t like to declare this in case he doesn´t die within the next 6 months and there will be a comeback on them 2)we are hopeful that he will get through this and the hospital does seem positive about the outcome, there is a chance treatment won´t work 3) it might effect the moral of someone that is so ill to be declared terminal when it isn´t 100 per cent certain. So we have a 3 month wait before it can be awarded it is just unfortunate it is when it is really needed and when it is most stressful.

It might not be a positive outcome and I know there is a possibility that he might die, I haven´t discussed this as he just says he is going to beat it. He hasn´t done a will and to be honest we won´t have a lot anyway but the special things we have discussed over the years and that isn´t a problem. No insurance policy unfortunately, kept nagging him to do it but it never got done.

I have explained the exact details of my husbands illness and forwarded copies of hospital letters detailing diagnosis, treatment, prognosis etc but they just say although they were appreciative of our honesty and are sorry to hear he is so ill there is nothing they can do.

What bugs me a little is that we hadn´t even reached our overdraft limit, I could have drawn out the balance in cash and we had over 2000 before reaching our balance limit on the credit card and I stopped using it and informed them all of the situation rather that using the extra cash, as it seemed the moral thing to do to contact them straight away. Now as we are heading for defaults etc I am kicking myself as we may as well be dammed for the whole lot as we are going to be in trouble anyway and it would have given us about 3000 cash which would have been very useful, in fact it would have paid all the interest payments while we are going through this until we got sorted and noone would have been any the wiser. Hindsight as they say..............

Thanks

valeriedixon

ERICS_MUM wrote: »

Please do not be embarrassed. I have paid tax and NI for 37 years and feel very strongly that it should be used to help people in your situation. I'm sure that most posters to the thread will agree with me on this.

To be honest I'm surprised that you can't claim more in the way of benefits and support to make life a bit easier. Does your husband have a MacMillan nurse that could arrange some financial advice, or check out their website:

I do hope your DH is being kept comfortable and pain-free. Do you have friends and family who can look after YOU, do you have carers or nurses to come in and help him, perhaps at night so you sleep?

Best wishes to you both.

Linda xx

thanks for your message yep most importantly OH is fine,in pain but doing really well - we could open a pharmacy from our kitchen. I appreciate your being so kind about the benefits thing. It still carries such a stigma to have to claim but hey ho needs must, not much choice and just grateful there is at least some help.

Thanks for your best wishes

valeriedixon

Just a thought but have been reading up a little about cca and ones that are unenforcable. If our agreement is unenforcable would it mean that they would not be able to pass information on to credit agencies if we default, if that were the case that would be helpful as I could keep paying off as much as possible so they would get their money back as is absolutely right as we did borrow it but it wouldn´t do so much damage to our credit and what happens to charges and interest.

As far as the overdraft is concerned they have now suggested that depending on the documentation we send they may consider a consolidation loan to cover overdraft amount but at the moment we have an unspecified time to pay off overdraft even though on 18.5 per cent but a loan would be over say 5 years so repayments would actually be higher or am I wrong with my calculations and not sure if this is the answer. I seem to read that it is best to avoid consolidation loans.

Thanks in advance

CH27

Contact the McMillans & ask them about financial support.