Priority Debts Unmanageable

shearersWAG

What's a troll? Like a stooge? (I'm not trendy - I don't use lol!)

I swear everything I have written is true - it's my very close friend who's going through it right now. Would someone actually come on here and make stuff like that up? Why?!

shearersWAG

I have told her that basically if she doesn't tell tax credits she'll go to prison. She must be on probation with the fact she's on community service, or am I mistaken?

BlushingRose

shearersWAG wrote: »

And thank you very much indeed - I'm not going to take the bait, you're far too friendly to truly be a Mackem

*tongue in cheek* no such thing as a friendly Mackem (I'm a Monkey Hanger!)

wannabee_in_credit

BR! How very dare you - you know what a wonderfully warm and friendly Mackem I am

I'm going to give the benefit of the doubt re trolling...

With regards to Wonga, the advice I've always read on here is that people actually need to close bank accounts and move elsewhere altogether.

CCCS will take into account all debt issues, ccj's, priority repayments etc. But she will need to be honest (something she's struggling with at the moment).

One thing I have no experience or knowledge of at all is benefit fraud. She is likely (and let's be honest deserves) to be punished. I don't know how quickly they go for custodial sentences etc.

May be worth looking at cccs online asap - why wait till tomorrow?

BlushingRose

generaloneill wrote: »

new member, I smell a troll.

Why? *confused*

BlushingRose

wannabee_in_credit wrote: »

BR! How very dare you - you know what a wonderfully warm and friendly Mackem I am

Very true :beer:

the_cat

Part time and full time wages, plus housing benefit, CTB AND tax credits?:mad::mad: She should have plenty put aside in savings with that little lot!

If impending prison isn't getting her to a LBM and she is still spending, then frankly nothing will. Until she does, you are beating yourself against a brick wall

i'm trying to summon sympathy but quite honestly she has dug this hole herself and is still intent on digging. Enough said.

shearersWAG

the_cat wrote: »

i'm trying to summon sympathy but quite honestly she has dug this hole herself and is still intent on digging. Enough said.

I couldn't agree more. I am especially struggling to understand why she would continue claiming tax credits as a single person after all this. Problem is, like you said, she's in her self-assembled hole and trying to get out of it. She's struggling already (because she's rubbish with money and spends way above her means, I think this is clear to everyone), so she doesn't see how she can afford to be honest. But repaying a debt for dishonesty by being dishonest is a ridiculous way to go about it.

I'm telling her the most important thing to do is contact the CCCS and tax credits. I can only hope she takes the advice, because otherwise it's only a matter of time before it all caves in again.

BigAunty

rising_from_the_ashes wrote: »

..

If she's not curbed her spending at all then it doesn't really appear that she's "seen the light" and actually wants to sort this out (sorry).

She needs to take responsibility for this and go and seek advice from one of the debt agencies or the CAB etc.

I agree that her appetite for fraud, deceit and consumer goods has gone uncurbed - even after a criminal conviction which is the ultimate wake-up call, she is still living the high life.

I also see the fact that her friend is taking all the initiative to find out how to resolve it as another negative that she's not really taking proper ownership of the problem, just passing it on.

I can see the OP being run ragged trying to sort everything out for her friend only for her friends behaviour to continue undiminished.

I strongly urge the OP just to hand over the advice given and then walk away, let her friend deal with all the calls and paperwork (or not, her choice).

I had this experience with a former friend allegedly struggling with debts - the more I did for her, the more she exploited my goodwill and she didn't change her lifestyle one jot.

The straw that broke the camels back is when she gave me the impression that she was struggling with mortgage payments and facing potential repossession. I paid for a decorator to get her spare room ready for a lodger which she never bothered to find. Instead she swanned off on a 3 week holiday to Asia and when I challenged her about it, just shrugged and said "I deserve this, it's unmissable."

I realised I had subsidised her social expenses for years because of her alleged poverty but somehow didn't notice her long haul holidays to Australia and India...

So OP - gather the information, hand it over and back off, ignore sob stories - her passivity in dealing with her debts is her problem and she probably deliberately elicits sympathy when none is due because it makes her life easier if someone else does her bidding and leaves her more time to shop!.

FraudBuster

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