No outgoings taken into consideration?

iluvmarmite

Ohh let's see why would a disabled person want to keep a car, emergency runs to the hospital in the early hours maybe, being able to go out of the house for a change, I put a tenner a week in my car and use it 5 days a week to get to work and back, just because someone doesn't put 30 or 40 quid a week in petrol doesn't mean they don't use it everyday

Spamfree_2

iluvmarmite wrote: »

Ohh let's see why would a disabled person want to keep a car, emergency runs to the hospital in the early hours maybe, being able to go out of the house for a change, I put a tenner a week in my car and use it 5 days a week to get to work and back, just because someone doesn't put 30 or 40 quid a week in petrol doesn't mean they don't use it everyday

She has a choice, keep the car and be hundreds of pounds worse off a month, or get rid of the car and have hundreds more a month to spend. It's called cutting ones cloth:D

Horseunderwater

DLA - 2 parts HRM = £54.05/week or none if you get the car
LRC = £20.55 MRC = £51.85 HRC = £77.45. Normally to get HRC, you'd need to be totally bed and house bound and need 24 hour constance care, so doubt if OP is getting that - but MRC sounds possible due to toiletry issues. And it is not included in means tested benefits calculations.
OP has at no time said that her OH is sick, but his work has cut his hours of work down to basic wages. Same has happened to us. HB is normally calculated on the nett income after tax - not the gross as that is worked out in a different way to CTC/WTC etc. We do not get HB as we own/pay a mortgage. And because OP is "reg" disabled due to the fact that she gets DLA, it does open up other avenues of help. She is not a scrounger, but somebody who is from the sound of it very ill and yes I can understand depression coming into. Who are you all to judge this woman and her husband for this. And I agree there are ways to cut down on some bills, but perhaps she is on a water meter already which if that is so, due to using a washing machine loads, her water bill will be very high. But it is definitely worth speaking to local water company about it all. There are ways to help disabled people out and that would be my first thing to tackle. They may even get water company to refund some of the money, if DLA award letter can be taken to them. I now have a 9kg wash machine, which means I do a bigger load less often and it is A rated, so uses less energy and it has time delay, so ec 7 overnight. Then I can load TB and switch that on as I get up next morning and save even more.
To the OP = feel free to PM me if you wish and I will see if I can be of more assistance.

iluvmarmite

But from what I gather she is disabled enough to warrant getting high rate of both components, she states she needs a car to be able to leave the house, should she get rid of the car that will leave 2 choices, stay indoors all the time or spend the so called hundreds of pounds (bit of an exaggeration that) on getting her own car and paying all that's needed to keep it roadworthy. Where is the cutting of the cloth in that approach?

Dunroamin

iluvmarmite wrote: »

But from what I gather she is disabled enough to warrant getting high rate of both components, she states she needs a car to be able to leave the house, should she get rid of the car that will leave 2 choices, stay indoors all the time or spend the so called hundreds of pounds (bit of an exaggeration that) on getting her own car and paying all that's needed to keep it roadworthy. Where is the cutting of the cloth in that approach?

I don't think that most people would suggest she gets rid of the car (although she might be better off if she did) but that she should acknowledge that she receives considerably more than £305 per week to live on.

A little gratitude wouldn't go amiss either.

Spamfree_2

Horseunderwater wrote: »

OP has at no time said that her OH is sick, but his work has cut his hours of work down to basic wages.

Her husband is on medical suspension and is being paid basic wages. IE, he's on the sick with basic pay.

Dunroamin

Horseunderwater wrote: »

DLA - 2 parts HRM = £54.05/week or none if you get the car
LRC = £20.55 MRC = £51.85 HRC = £77.45. Normally to get HRC, you'd need to be totally bed and house bound and need 24 hour constance care, so doubt if OP is getting that - .

Actually, that's something of an exaggeration.

princessdon

Dunroamin wrote: »

I don't think that most people would suggest she gets rid of the car (although she might be better off if she did) but that she should acknowledge that she receives considerably more than £305 per week to live on.

A little gratitude wouldn't go amiss either.

It's also that the figures dont stack up

She should get £90 (ish) PW for ESA, plus the severe disability premium of £54 pw plus DLA etc

Yet in her £305 she has only included a small amount of those.

It's hard to give advice when you don't know really what people are dealing with. I have been assuming personally that OP can add a lot to her figures she gave if that was her OH wage plus only about £60 from her "income".

mazza111

The OP has already stated she gets £71 ESA/week which is the assessment rate for someone over 25 I believe. So she may have an appeal going.

I just wanted to point out it's not a free car, it costs a bit more than £200, how you work this out as free is beyond me. Yes, with DLA it comes out of the tax payers money, but she must need DLA or she wouldn't be getting it. Someone said from reading her other posts ( I don't know if it's true) that her daughter gets carers allowance for her, doesn't this stop the severe disablement allowance? I agree with Princessdon that we're not quite getting the full picture.

I don't know about the HB or the water rates being capped, as I've said before, I live in Scotland, where due to our wonderful weather we have plenty of cheap water


All we can do is offer advice on how to cut costs, as we've already done.

Dunroamin - Spamfree has already suggested she gets rid of the car because she only spends £15/week on petrol. Think if she has a lot of medical appointments this might take up any money that's saved. I only put £15-20 in per week, and it's all usually running the DD round to appointments and to her grandmother's for showers as she can't get in the bath atm.(well she can get in, but can't get out)

I think the best thing the OP can do is post a SOA on whatever board (think it's the debt free board) and get some good advice on there.

Horseunderwater - The OPs husband was off sick, got a fit note to return to work, but the company he works for wouldn't accept it and he's on basic rate of pay while on medical suspension, until the company's OT gives the go ahead to go back to work.

Dunroamin

mazza111 wrote: »

Dunroamin - Spamfree has already suggested she gets rid of the car because she only spends £15/week on petrol. Think if she has a lot of medical appointments this might take up any money that's saved. I only put £15-20 in per week, and it's all usually running the DD round to appointments and to her grandmother's for showers as she can't get in the bath atm.(well she can get in, but can't get out)
.

I didn't suggest that she get rid of the car.