£7200 in debt and on Job Seekers Allowance

ghostmadlittlemiss

Hi,

Imo, as you've lost your job due to illness, you should probably be on ESA, not Jobseekers, at least until you're better again. Otherwise, what's to stop you losing your next job for the same reason, which could just make your depression worse? It's no crime to take time out to recover properly, in fact like I said, it's much better than struggling on, hunting for jobs that you might not be well enough to do yet. ESA's a b*gg*r to get on but if you've got a local branch of Mind in your area, they can go through the forms with you. Have a think about it first though. I might be completely wrong and you're recovered now and ready to start work again but if not, it might be worth a thought at least.
Kayleigh
PS Bet this post really annoys the troll. Best way to live life, imo.

bubblebath_2

Thank you for your really nice worlds.

I have been applying for all different kind of jobs, not just where I have skills for. My job was very high-stressed before with a tonne of deadlines and massive responsibility and I think the over-working and constant over time led to the depression. I was treated badly and it just went from bad to worse.

I am now looking for any position that I see I could do.

I NEVER did get any info on the job that the poster/troll so kindly offered me. Oh well, another rejection!

I have been to counselling regarding the depression as I was on a lot of medication by I have came off that and I think i am gradually getting over it now. Facing all of these debts is and not burying my head in the sand is making me feel better too.

As someone else said. Since being made redundant. I have applied for many jobs but 95% I get no reply. My CV has been checked and it is apparently really good but they get on average 40 persons per position.

When I have had interviews, I have not been accepted. I have had letters saying 'I was good in the interview but unfortunately they will be hiring another candidate and good luck with continued search'

I don't want to live on ESA as I want to be back up and running and back with the workforce again.

I will just keep trying.

It's a very vicious circle, but when you are out of a job which was caused by depression in the first place and then you get nothing but rejection from employers. Even the most positive of people will feel a little worthless for a time being.
I am not taking it personally though and it's so nice to hear positive things from people.

Take care all

LCM89

Hi bubblebath,
Sorry to hear your struggling i was too this time last year i lost my job as was made redundant, so was unable to pay my bank loan back monthly as when i was working was paying around £30 a month i was contacted by Fredrickson International Limited regarding the matter i explained my situation to them and they couldn't have been more understanding and helpful i spent a good 20 minutes on the phone to them the young lady went through an income and expenditure form with me over the phone offered to even give me 30 days space from their calls and correspondence but as they were happy to accept a low offer and token payments until my situation improved i was happy to continue, i offered them £1 a month on a temp basis (as i was not entitled to any job seekers allowance) due to my partner working full time and they set it up on a direct debit without any hassle.
I had buried my head in the sand for months worrying and now wish i hadn't as the couldn't have been nicer and more understanding.

10 months later finally get a pay out from my redundancy and called them to pay the £4987 off and they agreed to accept £3000 as a gesture of good will as full and final settlement!

Over the moon and spent the money i saved on a well deserved holiday for my family.

Bubblebath, try sending the other creditors an income and expenditure form to them and i am sure they will be happy to help.

LCM89

[Deleted User]

stick to your guns, £5 is very generous for anyone on JSA and any court would agree with you; perhaps even be surprised you are offering much as much as that...£1 would be accepted in my experience

black_taxi_2

always good to get advice---debt/poverty is only a 6 months away from most people.

my father went into depression work related,first time i ever saw him cry--shocked me,

told him it was ok,to change job--cut work hours or take early retirement

good/luck bud

moohound

bubblebath wrote: »

Prof Ligate and fatbelly

I never knew you could pay the DRO in installments.

I would pay £5 each month to 6 creditors so that is £30 a month, so in 3 months I can pay for the DRO so that is something really worth looking into and then my debt would be cleared after the year.

A part of me feels that there is a moral dilemma where I should honour the debts and pay back £5 per month as I did borrow the money in the first place but a lot of it is interest.

I want to pay back what I can but it will take such a long time to clear it.

In retrospect I think the right thing to do would be to get the DRO, it will alleviate a lot of the anxiety I am getting and it would be a huge lesson learnt.
I will never be allowed to get credit again for 6 years so I will be more responsible.

If only I could see in time that I would have lost my job I would have paid off everything when I could have.

Thank you for your advice.

You do not need to feel guilty about taking the option of the DRO, you took the credit when you had a job and you have done your very best to pay it back, and some people would not have even tried. You have had problems with illness, which has made it impossible to pay it back in a reasonable time frame. It sounds like some of the creditors have been less than sympathetic so don't feel honour bound to them. I think if you can get this weight off your shoulders, your mental health will improve and you will be able to get back to work, when you are ready. If you can draw a line under this and learn from it you can concentrate on getting yourself well.

Moo xx