Where do you begin again, if you don't exist?

6 Posts


It's not a philosophical question, so please bear with me.
I'm 48, single, and it's been 4 years since I've worked properly. I worked in investor relations, earned very good money, lived in Central London etc etc.
I had a family member become very ill and I left my last job to support them - they've recovered fully thank goodness, but I fell out of the 'habit' of structured work and began this cycle of not really being much use.
I was pursued for various debts (hmrc, council tax and a few others) through the first couple of years, but then I moved house (lost the ability to pay for my flat rental, obviously) and began living in the spare room of my relative and also of a close friend. Throughout this period I haven't worked beyond helping both with house/diy projects.
I currently have zero assets, zero income, no bank account, no credit cards, no loans, no electoral existence and am very much disenfranchised from 'normal society' I guess.
Food and other sustenance based things I'm being supported for (by the relative and friend) but this of course feels terrible and I very much want to stop it.
I'm fearful that if I contact HMRC or anyone else, I'll 'pop up' back on their radar and their relentless pursuit will begin again, putting me straight back into the very stressful situation of owing money which I genuinely have no means to pay.
I'll leave it here for now, in the hope there has been someone in a similar situation or at least someone who reads this and can offer some advice on where to start.
Thanks for reading
I'm 48, single, and it's been 4 years since I've worked properly. I worked in investor relations, earned very good money, lived in Central London etc etc.
I had a family member become very ill and I left my last job to support them - they've recovered fully thank goodness, but I fell out of the 'habit' of structured work and began this cycle of not really being much use.
I was pursued for various debts (hmrc, council tax and a few others) through the first couple of years, but then I moved house (lost the ability to pay for my flat rental, obviously) and began living in the spare room of my relative and also of a close friend. Throughout this period I haven't worked beyond helping both with house/diy projects.
I currently have zero assets, zero income, no bank account, no credit cards, no loans, no electoral existence and am very much disenfranchised from 'normal society' I guess.
Food and other sustenance based things I'm being supported for (by the relative and friend) but this of course feels terrible and I very much want to stop it.
I'm fearful that if I contact HMRC or anyone else, I'll 'pop up' back on their radar and their relentless pursuit will begin again, putting me straight back into the very stressful situation of owing money which I genuinely have no means to pay.
I'll leave it here for now, in the hope there has been someone in a similar situation or at least someone who reads this and can offer some advice on where to start.
Thanks for reading
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Replies
I would suggest 2 things initially ;
You need to add up all of your debts etc and do a statement of affairs so you know the hard part of the battle financially .
The other thing to do ..claim universal credit ASAP . There may be other benefits also . You'll get nothing for 6 weeks after applying for u c but you will then be back on the system .
Try not to worry too much about how much you owe etc but if you disclose on here or the d f w board you'll get great advice .
The only thing to be aware of , is whoever you are staying with may have to pay more council tax if you disclose you are with them . Not an expert there, but you should get help here also .
Hope this helps ..
Thanks again