Getting DH 'prepped' for BR

bcljnk

We are just starting to get the ball rolling with DHs BR....changing DDs and wages to my account, and closing one of his accounts as its £17.50 a month for services we get with yorkshire anyway, so going to leave that open for now.
Having gone through this myself in oct 2009 i know mostly what needs doing...the only problem being DH is off work at present with depression, and is unable to deal with things himself, do CAB coe out to see people????
We have to stop payments as of now to credit cards and loan....DH is a big worrier, and its going to be harder for him, and for me to sort things than when i went BR.
Also i only had 2-3 months of hassles from companies, wereas its going to take months for us to save the now £700...i dont think he will hack it at all:(

Penelope_Penguin

bcljnk wrote: »

Having gone through this myself in oct 2009 i know mostly what needs doing...the only problem being DH is off work at present with depression, and is unable to deal with things himself, do CAB coe out to see people????

Sometimes they do. They can do stuff over the phone, too. Have you tried CCCS or Payplan?

Good luck!

bcljnk

Thanks, may try to get him to ring ccs or payplan...the thing is he isnt even up to talking to people yet, so may have to be stop payments as of now....but hold off getting advice for a couple of months.....he has been referred to the CPN...community physch nurse who came day before yesterday and he was so upset all day, and today he has today he has to go for a medical at work..routine at his place, but we have had tears already...poor hubby, feel so sorry for him:(

Ineedaname

They may be willing to talk to you on the phone if hubby is able at least to give his verbal permission to them over the phone, then hand it to you.

bcljnk

Thankyou thats what we did with the DDs in his name...one thing that is different to when i went BR will be the tax thing...i havnt a clue, is it better to go BR closer to the end of the tax year...will definetly be end of the year till he can go BR anyway, maybe even after xmas.

Ineedaname

It seems the closer to the end of the tax year someone goes BR, the less likely there is time to implement the nil tax code. However, just bear in mind that a nil tax code isn't paying any money that wouldn't have been paid anyway!

dojoman

With your DH present condition I would not be worrying about the Nil tax code that would be implemented. Just think of his health and try and get it through it as quickly as you can for both of you. Hopefully things will work out for quicker than you expect

bcljnk

Ineedaname wrote: »

It seems the closer to the end of the tax year someone goes BR, the less likely there is time to implement the nil tax code. However, just bear in mind that a nil tax code isn't paying any money that wouldn't have been paid anyway!

Only wondering as in the past i have heard that you have to send your money which would have been for tax to some company, and just didnt want DH to have the hassle.....it wasnt that we didnt want to pay nil.
thanks again tax lol

Ineedaname

It's easy enough as you just wait for information on the amounts to pay over and then set up a standing order to go out each month.

It's really not a problem so please don't worry yourself about that aspect.