Need Help urgentish

[willszenith]

hi and hello all!!

was wondering if anyone could help,im currently been of work for a month with a broken arm, turns out its worse and i will need surgery(bone graft) , my employees wont pay ssp because i do to little hrs (15), im not eligable for income support because my partner works 16 hrs and her income is 35 pounds over the 94 something ceiling, im also not eligable for incapacity benefit because one of my ni contribution years is short, we get working tax credit and xchild benefit, but i maybe of for upto a year and need help desperatly!!! we are struggling badly already

thank you all james

thank you. after citizen advice stumped, and the benefit helpline thingy at a loss , ill try anything

we worked out our income outcome etc, the bank was ok but slightly concerned, loans however have been less then sympathetic, given me a months rest then to contact them and resume payments.

Im just a little shocked by this, we have been on the breadline for a year now and this has come as a huge blow, i mean i have a 10 year work history but was made unemployed in 2006 for 32 weeks, this affected my ni contribution, i cant believe that I may have to go a year with no help, and my partner support 3 of us on her 16 hr wage and working tax/child tax benefit!

Hi all,

I havent slept for nearly 4 days now im panicking

I have just got a long term injury and have had to leave work, I have no income, im not eligable for incapicity benefit or income support.

I have a loan of 3500,a credit card for 1000 and catalouge for 2500, not a great deal i know but ive missed my loan and credit card paymen , first time, I spoke to my loan company about my injury and they informed me my insurence didnt cover me, I have just moved and the firdt two companies do not know where i am, the catgalouge does

Im going to be off long term i cant work and have no income and am falling deeper and deeper quickly i dont know what to , it seems to be all falling apart

[huggys boss]

Try ringing your welfare rights officer.

They will be able to tell you if you are entitled to anything and will also act on your behalf if you want them to when it comes to claiming your benefits.

[huggys boss]

I was going to post the link for the welfare rights for you, but they are listed by area and I don't know which area your in.

Just do a search and you will find your local one.

[gizmo111]

use this calculator Start Calculation. Your tax credits should increase, if you are renting you may be able to claim some housing and counci ltax benefit, and if not renting then some CT benefit.

If you have a mortgage consider asking mortgage co if you can drop to interest only payments for a while.

If you have other debts you are going to be unable to pay then token payments may be the way forward, in any event I would find out your entitlements and then draw up a budget to see where you stand financially through this period.

[MARTIN3030]

Sorry your post from today-moved here.


Hi all,

I havent slept for nearly 4 days now im panicking

I have just got a long term injury and have had to leave work, I have no income, im not eligable for incapicity benefit or income support.

I have a loan of 3500,a credit card for 1000 and catalouge for 2500, not a great deal i know but ive missed my loan and credit card paymen , first time, I spoke to my loan company about my injury and they informed me my insurence didnt cover me, I have just moved and the firdt two companies do not know where i am, the catgalouge does

Im going to be off long term i cant work and have no income and am falling deeper and deeper quickly i dont know what to , it seems to be all falling apart

[x_miss_lori_x]

Hi sorry to hear your situation. I'm not sure about the benefits folk as unless you know the system it's hard knowing what you really are and are not entitled to. The loans and the catalogue will have to accept token payments. I know that for sure. All you do is write to them (I never give my phone no) and send them a statement of means ie what comes in and what goes out. Priority bills are your mortgage/council tax/gas/electric and you obviously need money for food etc. so even if you offered them £1 a wk/month then they should accept it. They won't like it and may pass it to debt collector but bottom line is "cant get blood out a stone" so they know if they threatened court action they would be out of pocket for court/legal fees and a judge would look at your incomings/outgoings and come to the same conclusion. Court may seem scary but it is not in the slightest. I had to go recently and represent my daughter for "supposed" missed rent. I was PETRIFIED as never been in a court in my life. Crying the lot. Then done a lot of research and when I went 4 times I saw how incompetent and nervous the lawyers etc were and the judges were extremely nice and kind. They know you have fallen onto hardship through no fault of your own, however you have (which you should) contacted the companies involved and not stuck your head in the sand. In the future when your situation changes you tell them you will reassess with a hope to raising your payments. No one wants debt collectors etc involved but its getting kinda hard to avoid them these days.
I hope this helps a little and things will get better. I remember my dad saying that to me when I was in a not nice place and I thought "yeah right" Believe me THEY DO!!

[willszenith]

many thanks all, im slowly trying to claw back