Anyway out of this for me?

roomontheend

It's great to hear you are still hanging in there. Things are going to crop up but you are already in a better place than you were a month ago.
Keep us posted, I usually check on your thread every couple of days or so to see how you are doing.

belfastgirl23

I agree with the others, you have come a really long way. It says a lot that you had your 'flip' and instead of spending you went off and got help from the right people. And it takes a lot of strength to do what you're doing chasing up the CSA which I think you had almost given up on before. So well done you!! Yes it's tough but you are not only coping but actually being proactive in looking after your health and trying to get what's owed to your family. I'm really pleased for you! It's easy to see how long a way you have to go but be sure and notice how far you've come as well!

ciarasdreams

Hi Need To Sort It, I am sorry if this is garbled or confusing but it is early in the morning and I am getting ready to go to a car boot sale so I am not at my most eloquent. I hope that you do not mind but I saw your thread yesterday evening and made a point of asking my sister who is a registered Psychiatric nurse as well as a general one too about the situation you are in but I kept what I said very general and non specific just to get some answers from her. if you have mentioned this already then I am very sorry because I did not see it but she said that you should definitely be in touch with a trained welfare rights advisor who has specialist knowledge in the area of mental health who will be able to check that you are receiving all of the benefits that you are entitled to just now because you are too unwell to work and they will help you fill in all of the forms as well which is one less worry. She has said that you may well be entitled to DLA but I really did not understand the explanation why so I cannot explain. She has said that anybody that you see from your local resource centre should be able to put you in touch with this advisor but she has said that they should have also put you in touch with professional debt advisors because your debts are causing you lots of needless stress that will probably be having a very negative effect on your mental state. As you will know due to confidentiality she was unable to refer to anything specific from her nursing career but she did vaguely allude to a time when she was a CPN when there were a couple of patients who had Bipolar Affective who with the backing of their Psychiatrist had their debts written of completely because in their doctors opinion they did not have (and please do not take offence at this because it is the words that she used) the mental capacity to understand the full implications of the credit agreements that they were signing because they were too unwell at the time. I think that this might only be done under certain circumstances but it might not be worth at least asking about.

Need_To_Sort_It

roomontheend wrote: »

It's great to hear you are still hanging in there. Things are going to crop up but you are already in a better place than you were a month ago.
Keep us posted, I usually check on your thread every couple of days or so to see how you are doing.

ROTE nice to see you, I see from your signature that low energy light bulb is now up to full strength, well done, its not nice to see the debt it all in its glory but you have now seen what you need to do, fab!!!

Have you done a famous SOA yet?

Need_To_Sort_It

Belfastgirl and ciarasdreams please dont think me rude not to have replied whilst I an online but I only popped on to check my emails and got sidetracked to find there were 3 messages here not 1 lol

I will write just as soon as I have got the washing on, hoovered up all the grass from sons footie kit that he dragged from one end of the house to the other it would seem grrrr, got the sunday dinner on and done some ironing.

OK, I may be a while lol but I will get back to you :-)

Need_To_Sort_It

Phew well what a day that was!!!

Thanks belfast girl, thats why I like coming here, I get bogged down in my own world I often miss the progress I have made, staying positive is a little hard for me at the mo, but I am trying, very trying lol

Ciarasdreams, thank you for doing that for me chick, it was very nice of you to think of me. I think I am one of the lucky ones in the mental health system, my team are brilliant and are always there to catch me when I fall. In a previous life lol I was a welfare benefits specialist, so I am lucky that I had all the knowledge to know I was entitled to benefits, it was quite ironic when I first learned how to do a DLA form to see that I had been entitled to it for years, I just didnt know how to express my needs properly. That was then by the by until I had the major breakdown followed by the realisation that the chances of me keeping employment were at best unlikely, hence my doing a NVQ so I can be self employed.

I have a letter here from a shrink who declared me so unfit I was mentally incapable of managing my affairs between such and such a date and such and such a date unfortunately those dates dont coincide with any credit agreements although it states how quickly I fluctuate, date of diagnosis of bipolar disorder, date of first presentation of depression etc.

But at the end of the day I borrowed the money, spent it and now I have to pay it back.

I dont know whats taking everyone so long to reply, some of the creditors got back to me very quickly.I dread the postman coming again cos its been so long.

In_Search_Of_Me

Like otheres I would add just how far you've come. I would also use the letter to see if you can get some assistance with the debts. Its a comoon side effect of bipolar & the issuesis not so much that you spend the moey but that in yur right mind you wouldnt - mobile phones beinga classic example of this!! You must do what you think is right though! Hope you have a good eve...amm off to watch waking the dead!!

ciarasdreams

Need_To_Sort_It wrote: »

Phew well what a day that was!!!

Thanks belfast girl, thats why I like coming here, I get bogged down in my own world I often miss the progress I have made, staying positive is a little hard for me at the mo, but I am trying, very trying lol

Ciarasdreams, thank you for doing that for me chick, it was very nice of you to think of me. I think I am one of the lucky ones in the mental health system, my team are brilliant and are always there to catch me when I fall. In a previous life lol I was a welfare benefits specialist, so I am lucky that I had all the knowledge to know I was entitled to benefits, it was quite ironic when I first learned how to do a DLA form to see that I had been entitled to it for years, I just didnt know how to express my needs properly. That was then by the by until I had the major breakdown followed by the realisation that the chances of me keeping employment were at best unlikely, hence my doing a NVQ so I can be self employed.

I have a letter here from a shrink who declared me so unfit I was mentally incapable of managing my affairs between such and such a date and such and such a date unfortunately those dates dont coincide with any credit agreements although it states how quickly I fluctuate, date of diagnosis of bipolar disorder, date of first presentation of depression etc.

But at the end of the day I borrowed the money, spent it and now I have to pay it back.

I dont know whats taking everyone so long to reply, some of the creditors got back to me very quickly.I dread the postman coming again cos its been so long.

It was no trouble at all asking my sister because it is an area that she knows a lot about and she really is one of the most caring and compassionate people in the world who seems to feel compelled in some way to make everything better for everybody especially me. Maybe it is a case of no news is good news on the mail delivery side of things. One thing that is always worth remebering is one of the first things that another poster on this board told me when I was making myself sick with worry over my at the time unmanageable debts which is that you cannot give them what you do not have no matter what they say or threaten.

Need_To_Sort_It

In_Search_Of_Me wrote: »

Like otheres I would add just how far you've come. I would also use the letter to see if you can get some assistance with the debts. Its a comoon side effect of bipolar & the issuesis not so much that you spend the moey but that in yur right mind you wouldnt - mobile phones beinga classic example of this!! You must do what you think is right though! Hope you have a good eve...amm off to watch waking the dead!!

No I would never have had the loan if I were in my right mind, I couldn't afford it and new that just a few months before I took it!! I dont know how to progress in that matter, though, how would I find out, any ideas please??

Yes the mobiles, 3 of them!!!! That was a record even for me lol

One time when I was high I was in Tesco as the woman was reducing the stuff, I bought the lot even though I didnt not even eat half of what was on offer, after that I was so buzzing I then went on a yellow sticker or extra points splurge throughout the entire store- it took me 35 minutes to get it all out of the car, my car was right in front of my door. My kitchen had no floor space left (its a big kitchen too) the bags were evrywhere. Worse still I had no fridge or freezer space for all these goodies.

I had mens pants and socks (I dont even have a man), grey hair dye, shaving foam allsorts of things just cos they were on offer!!

I can laugh about these things now I know what I have got but when you realise what you have done you are left scratching your head wondering why you behaved so oddly lol

Can you imagine what they were thinking in Tesco, I was only in there 45 minutes!!

Need_To_Sort_It

ciarasdreams wrote: »

It was no trouble at all asking my sister because it is an area that she knows a lot about and she really is one of the most caring and compassionate people in the world who seems to feel compelled in some way to make everything better for everybody especially me. Maybe it is a case of no news is good news on the mail delivery side of things. One thing that is always worth remebering is one of the first things that another poster on this board told me when I was making myself sick with worry over my at the time unmanageable debts which is that you cannot give them what you do not have no matter what they say or threaten.

Its nice when you have supportive family isnt it, just having someone to bounce things around with is helpful, even if they dont have any answers!!

Yes you are so right about it being too bad, at the end of the day if I had it i would give it and blood out of a stone and all that.

I see you have been a busy girl today, up bright and early, well done on the amount raised!!