Desperate help needed with grants n benefits

CharmCaster

The spirit of Christmas is alive and well here then, take one pregnant and depressed woman asking for advice and give her a good savaging. Nice!

4390evans

kingfisherblue wrote: »

Do you mean CTC, not WTC? If neither of you are working, you wouldn't get WTC.

The debt payments are your problem, as benefits do not take these into account. Is it worth keeping the car? You might find public transport less expensive, especially as you are limiting your journeys.

You could also contact your lenders and ask them to freeze payments so that no interest is added whilst you are not paying.

You might be able to get a food parcel from a food bank. Your GP or Social Services should be able to refer you. Three days emergency food is provided.

Is there anything you can sell? A couple of days before Christmas, not to mention the week after, isn't the ideal time, but you may be able to sell some things to give you a little extra cash.

Markets tend to be cheaper than supermarkets for fruit and veg, but I know they don't take vouchers. It is still worth considering getting a pile of cheap veg to make a thick soup though. You can pad it out further with pasta.

Your health visitor should be able to fiind out if there is any organisation in your area that can help. The Salvation Army springs to mind.

Thanks for your reply
We dont want to get social services involved with our family as I have never come across a good one in my younger days when they were called out for my dads abuse.

We buy stuff as cheap as possible non of us drink or smoke or do drugs, we have sold almost all of our belongings all we have is a sofa tv and rug downstairs in that the sofa belongs to the land lord.

We make soups and freeze where we can for later, we try to be as efficient as we can but we just seem to be stuck somehow x

4390evans

Mara69 wrote: »

Oh come on. Boyfriend has no coat and kids have no clothes? I don't believe that for a moment. Get yourself to a jumble sale or on Freecycle. You should be able to pick up clothes and maybe a couple of rugs.

You've got £256 a week to live without having to pay water and housing costs, plus full council tax benefit so you should actually be managing well on that amount of money. Write to all your creditors and tell them you are making minimum payments of £1 per month. Sell the car. In fact, you're 'taking home' more per work than my husband who works 50+ a week.

You are not eligible for a budgeting loan or community care grant so there is little point in appealing.

Visit the old style board and learn how to feed your children on a budget. Your children need a better diet than noodles.

This:



Implies that you are hoping someone here will lend/give you money. That makes me uneasy. This board is for advice, not handouts.

I didnt say they didnt have any clothes I said the ones they do have is to small! Im not on 256 a week if I was this would be more than enough for anyone to live on Im still paying rent and had some arrears of ct I have to pay from while they were sorting out our claim. do you think I would degrade myself to come on a site to ask for help (info wise) not hand outs. We have never in our lives had hand outs and helped our uncle when he was in the salvation army even offering to take him in even though he is bloody nuts and it would of left us struggling but we would of managed some how,

4390evans

Hmm71 wrote: »

Mara69, how do you figure out the OP has £256 a week to live on without paying housing costs? Her income in the first post included housing benefit so doesn't she still have to pay her rent out of that?

Yeah Ive still got to pay £45 rent a month out of £156 per week that it works out we get. Ill post a break down of whats coming in and out when Im done replying x

4390evans

Dunroamin wrote: »

I also thought it was a begging post as soon as I read it.

How is it begging asking for some info help?

Even if I did beg there is no one out there to help!

4390evans

princessdon wrote: »

So you had 2 children you couldn't afford and were on benefits then had a third.

You have 1 child (other lives with the father) as clearly the father claims the child benefits for that child. The money you get for 2 adults and 1 child is more than enough, your debts and fines are the issue.

Please read! i could clearly afford the kids when I had them I worked and my bf did also, he had a better paid job than me and we had more than enough! The 3rd child was a surprise as we didn't want anymore but I still worked and we were managing!

4390evans

princessdon wrote: »

Also as you were on jsa in June then you have been on benefits for 26 weeks now.

They work it out to where I have been on for 21 weeks some how

MCLF

OP, next time you're at the hospital visit the General Office. Ask if any of the benefits you're on qualify you for help with petrol and parking. If so, they should then tell you what you need to do to claim it back (it varies from one hospital to the next, but you will need to provide proof of the benefit). They can backdate it too, 3 months at the office, longer if you post away for it - again, check this.

4390evans

FBaby wrote: »

OP, if you are struggling because of the debts repayments you have accumulated, do you really think that getting another loan is going to help in any way? The things you have listed as needed are not so essential to put yourself into even more debts than you are now. The room being cold, that's not the end of the world. Dress warmly and only heat one room. Your OH can get a cheap coat in a charity shop and you get very cheap children/baby clothes there too. Your son's dad is responsible for buying his essential requirements.

Right now, you need to focus on the up-coming birth of your baby and your partner needs to take on any job. Was there not Christmas position he could have applied to? 6 months is starting to be a long time to be unemployed and he might need to take a serious look as to why he hasn't got anything so far.

Good luck for the birth of you baby and hope 2013 will bring better things for you.

My bf has got a job ready to start in january but its only 5 hours per 2 weeks, they said they are looking to expand and as it does so will his hours, I feel sorry for him as he has applied for so many jobs in the time he has been redundant its unreal, we didnt know what was going on as he hadnt been out of employment from the age of 16 he didnt even know how to claim benefits and if we had more savings we wouldnt of claimed at all as we dont agree with living off the fat of the land. We are both workers and have scrimped and scraped for what we had only for it to be sold when we had to claim.

We go to charity shops sometimes if we have some money, we are not proud people, we went there when we did have money so thats not a problem with us at all x

4390evans

nannytone wrote: »

the OP was working until recently, and states that her boyfriend was made redundant ... so obviously he worked too.

so the comments about not being able to afford the kids you have, so why have another, are completely unwarranted.
you don't know what they were and weren't able to afford.

i hate the holier than thou attitude, and hope that people that have lovely 5 bed houses, and can afford to gibe their children whatever they want for xmas, and pay their bills on time ... never find themselves in need. because there will be a lot of people ready and willing tocriticise the choices they made whilst they could afford to make them.

i totally agree that the OP needs to get the debt situation sorted out.

but when someone is already on their knees ... why do some people feel the need to kick them too?

Thanks hun,

Im gonna look into some of the debt things on here see what I can do.
you know certain people turn others bitter, my job in life has been to help people any which way I can especially the elderly and It pulls you down when people take help and offer nothing back when your in need of it x