Not sure I get this

Miss_Poohs

In terms of proof how is "hardship" is defined?

Hubs is shockingly bad with money and I've helped him claim back a few PPIs - which have mainly gone toward paying off debts he has defaulted on. Which all helps.

He is currently in a DPP under DAS regulations here in Scotland - he still struggles to balance his HBOS account and it frequently becomes over drawn.

I'd say a small amount of his debt is actually down to the bank piling on charges before his DAS was up and running, and as his account still goes overdrawn they still apply charges.

Would ths be considered hardship?

Thank you in advance.

Miss P

DevCoder

Hardship claims are rare, you need to be in current hardship so this includes

Unable to pay priority debts : CT, Income Tax, Rent/Mortgage
Be about £20-50 after all priority debts paid
Be prepared for them to scrutinise your spending in the upmost detail, they will query any spend which they think is not essential (regular small spending at shops (food, clothes etc.)). The premise being that you are not budgeting properly and are "whim spending".

Poor financial management will not succeed in the majority of hardship claims, "hubs" needs to learn to manage the finances, budget or perhaps a better idea is to hand over the debit cards etc. to yourself who seems to be a bit more financial savvy. You can then regulate the finances (even if it seems like you are giving him pocket money).

Sorry to be a bit blunt, but I think your problem is that you seem to be more or less in control and understand your financial situation but hubby doesn't.

Wywth

Miss_Poohs wrote: »

In terms of proof how is "hardship" is defined?

Hubs is shockingly bad with money and I've helped him claim back a few PPIs - which have mainly gone toward paying off debts he has defaulted on. Which all helps.

He is currently in a DPP under DAS regulations here in Scotland - he still struggles to balance his HBOS account and it frequently becomes over drawn.

I'd say a small amount of his debt is actually down to the bank piling on charges before his DAS was up and running, and as his account still goes overdrawn they still apply charges.

Would ths be considered hardship?

Thank you in advance.

Miss P

https://forums.moneysavingexpert.com/discussion/2428497

Miss_Poohs

I shudder to think - where he'd be if I hadn't stepped in.

He is utterly clueless with money, which is why our family home is in my name as is the mortgage. I pay all the bills, all in my name.

I take his share of the utility bills, and shopping and money for our son.

He pays all his debts, ie a loan secured on his property (not our home) and his DAS - and yes I blame his bad financial management for his predicament.

We are completely financially disassociated.

Sounds like it would be pointless for me to attempt a hardship angle, but thanks or your advice.