Help! Spent housing benefit repaying old debt

misspickle_2

Poppie68 wrote: »

Don't worry about any debt that doesn't involve keeping a warm roof over your head and food in your cupboards, other debt can be dealt with after you have sorted the important stuff out....Have you done a benefit check to make sure you are claiming everything you are entitled too?

I don't think he had much option but to pay poppie. Sounded like a kneecap job :eek:

Sounds like he is struggling all round. That's why I suggested charities for help with the overall situation.

A bit of emotional support is needed as well. Op has been doing well but it doesn't take much to send someone off kilter when they are already in a vulnerable position financially and mentally.

Chatting on here probably helps because its instant.
You have to have a strong backbone though to deal with all the Nelly neggies and the hooray haters

misspickle_2

alwoowar wrote: »

A laptop that has a broken case! I have very little,maybe a little background may be a good idea. I suffer from bi polar and have recently managed to get a roof over my head after 2 1/2 yrs homelessness following the break up of my marriage. I have the bare bones together in my flat,certainly no luxuries and what i have has been either given to me or salvaged from the bins around town (Sofa,old tv,kettle etc) so worth nothing. I've been doing well since last summer,keeping the relationship with my children together and my mental health was improving. This setback is sending me into depressive thoughts and i can feel a looming crisis. My anxiety levels are thru the roof and i'm shaking as i type,bad thoughts are creeping in which is what has triggered me to seek advice.
I have always made my relationship with my kids the priority,its as much for them that i need advice and help.

What you "have" is far more than "bare bones" but you just aren't seeing it! Your looking at it all wrong.
What you "have" is a future of your choice, which in itself is priceless!
You are clearly educated. You read and write and you come across well. You've fought to get yourself a home (they are not exactly dishing them out), you hung in there and got yourself sorted. The hard bits done!
The rest is up to you. You can spend every waking minute feeling vulnerable and live in fear that it will be taken away (which is what your doing because the past has caught up with you).
Or you can use it as a platform for bigger and better things.
Go out for the day tomorrow and open your eyes. Chat to the right people. Make steps towards what you want to do with your life. Make your kids proud :j
You've come this far. Keep going.
And next time someone comes knocking give em a knock back

micky2phones

alwoowar wrote: »

Hi. Ok,I know I have done a wrong thing. A debt from my past turned up demanding what was owed and was prepared to hurt me to get it. I used a large portion of my housing benefit payment to pay the debt off in full (approx £300) and i now have no way to make up the shortfall. Could anyone please offer advice as i am worried that i could lose the flat. HELP!
Please also read post by myself further down for more detail!

Hi hope your trip into town helped ?

Theres a lot of good advice given in the replies you have had.

I wanted to say i heard/read this quote/saying " you can always borrow some food from friends/family but use cant borrow a roof over
head from anyone " well some thing like than.

Nada666

Why not just continue to pay with your other benefits? You'll only be short one month - living off potatoes, porage and a couple of bags of frozen vegetables for a few weeks will not kill you.

(Out of politeness tell your landlord now, rather than the end of the month, that you will be short this month but will be able to pay the balance end of March.)

nannytone_2

you seriously think that someone on benefits can eat frugally enough to 'save' £300 in a few weeks?
how much do you think benefits pay?

Nada666

nannytone wrote: »

you seriously think that someone on benefits can eat frugally enough to 'save' £300 in a few weeks?
how much do you think benefits pay?

Of course you can, don't be preposterous. Do you really think anyone on benefits doesn't have to do that as a matter of course, anyway?

Six weeks to the end of March so £420 plus the balance of whatever he has left now. So that's £120 spare for six weeks. Yes, that has to include bills, too.

Do you seriously think that anyone on benefits does not frequently have to make do with living on a fiver's worth of food for the second week? Indeed, frequently, for longer than just that second week?

helping_hand2014

misspickle wrote: »

Or learn to defend yourself

Go to the council TODAY.

what a silly thing to say!!1


clearly the OP has been threatened by the person persons stating they was prepared to hurt the OP if the debt was not paid back this is a concern itself seeing as the op suffer with a mental health problem

the OP was asking for help not asking to be judged


my advice would be to call the council let them know what happened id also report it to the police and report the fact they threatened you and also report this to the local council but you need to tell them what happened

nannytone_2

Nada666 wrote: »

Of course you can, don't be preposterous. Do you really think anyone on benefits doesn't have to do that as a matter of course, anyway?

Six weeks to the end of March so £420 plus the balance of whatever he has left now. So that's £120 spare for six weeks. Yes, that has to include bills, too.

Do you seriously think that anyone on benefits does not frequently have to make do with living on a fiver's worth of food for the second week? Indeed, frequently, for longer than just that second week?

you haven't read my post properly, or have decided to mis interpret it.
finding an extra £300 in a 'few weeks' by eating less, while you're on benefit is impossible. most people get less than £100 a week.
pay their bills, and they're lucky to have £20 a week for food.
so even if they ate NOTHING it would take almost 4 months to save that amount.

Poppie68

helping_hand2014 wrote: »

what a silly thing to say!!1


clearly the OP has been threatened by the person persons stating they was prepared to hurt the OP if the debt was not paid back this is a concern itself seeing as the op suffer with a mental health problem

the OP was asking for help not asking to be judged


my advice would be to call the council let them know what happened id also report it to the police and report the fact they threatened you and also report this to the local council but you need to tell them what happened

Sadly reporting people like this very rarely ends well for the person doing the 'grassing'...These type of scum pray on the weak and vulnerable and always have others looking out for them, unless you are a strong minded and practical person with the back up of a strong network its best to move on and learn from your mistake.....Someone will always bring scum down in time but it will be a strong minded person that does it and the OP seems to be in a bad place and needs to concentrate on getting out of this HB mess before it escalates.

rubytuesday

OP do you have a care co ordinator or psychiatrist who would be able to write a supporting letter detailing your mental health difficulties and stress this is causing you so that you could make arrangements to repay your arrears slowly overtime?