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  • FIRST POST
    • Iwanttobefree
    • By Iwanttobefree 19th Jun 17, 7:02 PM
    • 1,320Posts
    • 3,360Thanks
    Iwanttobefree
    Benefits cut, need to reduce DMP payments
    • #1
    • 19th Jun 17, 7:02 PM
    Benefits cut, need to reduce DMP payments 19th Jun 17 at 7:02 PM
    Hi all.

    I have been taken off ESA and put on JSA meaning I loose 35 a week.

    I'm not appealing, spoken to GP, she said: I'm in a tough situation as due to my CFS/ME being cured, technically I am fit enough to work, but the problem I'm going to have is that while I am fit enough on paper to get a job, with my health problems, joint problems, back problems etc, the amount of jobs I'm going to be actually capable of doing are going to be extremely small. Not only that, when people start having problems like I am with my back, they tend to get worse over time not better.

    She said she can write a letter to the job centre if I want, but try talking to them first, as it has to be done privately and costs something like 20. (She's also referred me to a neurologist today after the results of my spinal MRI)

    I (we) had 32k of debt with 10 creditors, have got it down to 26.400 in about 3 years and currently have 186 spare a month, but this will now drop to 35 a month.

    I self manage our DMP. Three of our accounts are currently with the financial Ombudsman (Creation finance ones)

    Hopefully this will be temporary and within a few months I will be able to find some sort of part time job I can do, but until then, I'm going to have to submit a new offer.

    Do I just submit a new income/outcome and new offer, or should I go into more detail about my health as I have above to explain myself?

    Many thanks
    I went to the doctor the other day, Lady Doctor, She says

    "We've got your test results back, we know what it is.

    You've got beating heart disease" Howard Devoto 2009
Page 1
    • venison
    • By venison 19th Jun 17, 10:44 PM
    • 2,060 Posts
    • 2,203 Thanks
    venison
    • #2
    • 19th Jun 17, 10:44 PM
    • #2
    • 19th Jun 17, 10:44 PM
    have you appealed the ESA decision, either you are fit enough for work or you aren't?
    Ex Board Guide
    • Dandytf
    • By Dandytf 20th Jun 17, 12:26 PM
    • 1,227 Posts
    • 403 Thanks
    Dandytf
    • #3
    • 20th Jun 17, 12:26 PM
    • #3
    • 20th Jun 17, 12:26 PM
    here is your answer

    Do I just submit a new income/outcome and new offer, or should I go into more detail about my health as I have above to explain myself?

    definetly submint new income/afforabilty and mention change of health as circumstances
    shoudn,t be a problem other than increasing dnp term
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Iwanttobefree
    • By Iwanttobefree 20th Jun 17, 1:07 PM
    • 1,320 Posts
    • 3,360 Thanks
    Iwanttobefree
    • #4
    • 20th Jun 17, 1:07 PM
    • #4
    • 20th Jun 17, 1:07 PM
    have you appealed the ESA decision, either you are fit enough for work or you aren't?
    Originally posted by venison
    Not appealing as according to them, I am fit enough for work.

    However, the type of job I can do is severely limited.

    Hoping I find something quickly

    http://forums.moneysavingexpert.com/showpost.php?p=72720395&postcount=20 gives more details about my fitness for work if your interested
    Last edited by Iwanttobefree; 20-06-2017 at 1:13 PM.
    I went to the doctor the other day, Lady Doctor, She says

    "We've got your test results back, we know what it is.

    You've got beating heart disease" Howard Devoto 2009
  • National Debtline
    • #5
    • 20th Jun 17, 2:59 PM
    • #5
    • 20th Jun 17, 2:59 PM
    Hi Iwanttobefree

    It!!!8217;s normal for people to have a change in their circumstances from time to time so don!!!8217;t worry if you need to update your income and outgoings and make a new offer to your creditors.

    It is a good idea to explain why your circumstances have changed. Telling your creditors you have been moved from ESA to JSA would be adequate, but if you would like them to have a better understanding of your situation you can go into more detail.

    Good luck with the job hunt.

    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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