Can anyone help Newbie - Customer Compliance Question ?

anne47

Have you got a Mental Health Advocacy Service in your area who you could talk too and would be able to help you sort things out ? I've worked with clients with mental health problems for years and find that the advocacy service is invaluable in speaking up for them . If you have give them a ring and explain everything to them . Please try not to worry too much .

VeryScaredPerson

i've just eben on the phone to the samaritans. very nice friendly chap on the phone. Nice to speak to him, but now it's over, i feel as bad a s before.

I tried looking up the emntal health charites, but there desnt seem to be anyhitng near me. Charity shops for them yes, but no actual places to go and speak to anybody without a lengthy train journey.
i'm still searching online, but i cant find anything.

Sixer

For your mental health issues, try Mind: http://www.mind.org.uk/help/mind_in_your_area or http://www.mind.org.uk/help.

If you're on a low income, for legal advice, try Community Legal Advice: http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195356.

VeryScaredPerson

Sixer wrote: »

For your mental health issues, try Mind:
If you're on a low income, for legal advice, try Community Legal Advice: QUOTE]

thanks. i alreayd tried them, no luck.

What happens if the amount custmer compliance want paid back is more than I have?

VeryScaredPerson

They're not going to believe me, I knkw they're not. I keep going over it in my head, and it does sound totally weird. Even with a doctor's letter, I can't see them believing me. There's not much money that#s been trhough the account, but they'll think i'm up to something as I cant rememver about it, they'll thik I'm lying to cover up doing something dodgy, which I haven't.

I used to put £5 in a kitty every week, and use it to pay the bills, and then my nan would give me the equivalent to go in the account after I'd paid it off, to try and keep my savings up. A bit of a cash-match or something. looking back, it's a silly system, but it meant well, but n the book it looks like I've got money coming in from somewhere as the amounts are unusual, not round figures. then she just started putting square sums in ofr me at random points.

Everything just looks so worng and suspicious, so dodgy. I have statements missing, things i can't remember, and account I didn't know i had to declare, money i dont know what it came for or went for, and they just wont belive me as it's all so messy and incomplete. They'll suspect I've done ot deliberaly, and i cant prove anything otherwise as far as i can tell.

If they do decide to prosecute me, and send me to prison, then that's it for me. I cant deal with that at all. It'll probbaly kill my grandmother, and I can't bear loinsg my dog. I've been homeless in the past, i've had a lot of rough times, but this is too far. I really can't cope with any of this. They'll investigate and investigate, and find things all over the place that they'll thnk is me getting up to no good, becuase that's how they work, how they see things. I dont think I did anything wrong, but thwey wont see it like that will they?
I dont see any alternative, I cant deal with this. I've got to find somebody kind and understanding who can take my dog in, and look after her properly, and then I've got to call it a day. It's too unbearable now. It'll just get worse once i dceclare this, and keep getting worse and worse when they ask me about the monet I dont remember or have proof of, and it'll go on and on and on, with them trying to do me for it. i have to get out.

bestpud

If you feel that bad, this is not the place to be. Nobody here can tell you how it will pan out.

Go to your local A&E and tell them you need urgent help.

GlasweJen

VSP even if you were up to something youd not go to prison if you offered to pay. You need to calm down, find out how much is in the ISA and find out if you can withdrawn from it. Then contact the DWP, tell them you had an ISA that you didn't declare, tell them how much is in it and ask them to work out the over payment so you can pay it back.

When you get the bill you work out how much you can pay upfront. If you don't have enough in the ISA to cover it then work out how much you can pay until it gets paid off.

It will be fine, if CAB aren't helpful then posting a Statement of Affairs on the Debt Free Wannabe board will get a hoard of people helping you work out how much you can pay back without getting yourself into trouble.

VeryScaredPerson

i am feeling chronic. it may be in part due to the new medication, it does say on the box that the tablets may evoke worse emotions for the start.

I know what I have to do, but I can't face doing it. I need to sort myself out by tomorrow os I can handle dealing with it. I cant face going into the Job Centre, that's why i signed off early. I cant cope with that place, even when I need them, so i'm going to phone it in. I'm so feeling abd about this, that I dont trust them to report what I say correctly, so I'm going to record it. if the worst happens, I'll have some proof of what i said.

I'll be a mess on the phone, all over the place, so i'll clearly get something wrong, and that's bothering me. But i cant do anything about it.

I wnet to speak to my grnadmother about it this morning. I wanst going to, but I needed to talk to her and to somebody about all of this. I eeded to see what she remembered doing in case there was an investigation or court case. She didn't recall setting up the ISA with me, but she did at least remember that she was putting bits of money into it for me, and a few other things. She still thinks that ISAs arent declarable, and I had to exlain it to her about how it works, and how we got it all wrong. She put an different viewpoint on it, that as she sees it, the Customer compliance people are taking away presents that she's given me. I never really llooked at it like that, but as what she gave me wa for the future and to help me get on my feet, it's like the governement are stripping away my presents & future possibilites. I'll certainly have to start from scratch again, if at all.

Louise03

VSP - Please don't take any notice of Dseventy, he/she is enjoying painting a very black picture. You will be fine. All you need to do is go to the interview, explain about the account and your condition. You CERTAINLY WILL NOT be going to prison. Anxiety is making your imagination run wild.
The worst scenario is you will have to pay money back.

Do you know exactly how much is in this account? Because you may be worrying unnecessarily.

VeryScaredPerson

i've had to start goig through things, trying to find statements etc.

There is a lot in the account, and it's absurd. It's in the £13000 rough mark. The combination of my Nan putting money on for me over the teyars and the rather hight level of interest have shot it right up from 2002 to today. I had no idea there was so much. It looks really bad. I really wish i never had it. its of no use to me at all is it? I never really spent it when I had it, and now its all only going to get me into trouble and be taken off me.
I dont relly mind losing it all things considered, its the least of the problems.
Im more worried if they dont belive me and start an investigation. one of the samaritans I sopke to said that custmoer complance teams take ages, and you never nkow what going to happen.