Thanks. I know that, but am just asking what would be the worse case scenario that would happen if you didnt pay Crdit card and loan payments for say 4 months?? letters? ccjs? phone calls? bailiffs?

If you have been paying off the 'minimum' payment for some credit cards for years, but suddenly you cannot pay them (due to personal reasons causing your expenses to sore, and not have enough funds to pay them) so due to this, you are unable to pay off the credit card minimum payments. Here is an example CC1 = credit card 1 with a minimum payment of £40 CC2 = credit card 2 with a minimum payment of £70 Oct - Paid CC1 £40 + Paid CC2 £70 - you have funds! Nov - Paid CC1 £40 + Paid CC2 £70 - you have funds! Dec - Paid CC1 £40 + Paid CC2 £70 - you have funds! Jan - Paid CC1 £40 + Paid CC2 £70 - you have funds! Feb- Paid CC1 £40 + Paid CC2 £70 - you have funds! March- Paid CC1 £40 + Paid CC2 £70 - you have funds! April- Don't pay £40, don't pay £70 (Due to insufficient funds) May- Don't pay £40, don't pay £70 (Due to insufficient funds) June- Don't pay £40, don't pay £70 (Due to insufficient funds) July- Don't pay £40, don't pay £70 (Due to insufficient funds) Aug - Don't pay £40, don't pay £70 (Due to insufficient funds) Sep-Don't pay £40, don't pay £70 (Due to insufficient funds) Questions: a) Then after 3 months of not paying the credit cards, what is the worse that can happen? - the worse case scenario ? letters sent? CCJs ? Bailiffs? Fees ? b) Then after 6 months (3 + Another 3 months) of not paying the credit cards, what is the worse that can happen? - the worse case scenario ? letters sent? CCJs ? Bailiffs? fees? c) What will happen with the bank account where the funds for the CC minimum payments were comming out from? d) What happens to your credit file? what happens do your bank account? - from the worse case scenario? Extra info -There is no property, no car, no assets, Credit cards are with high street bank companies

If you have been paying off the payment for a loan (high street bank) for years, but suddenly you cannot pay them (due to personal reasons causing your expenses to sore, and not have enough funds to pay them) so due to this, you are unable to pay off the loan agreed amount/payments. Here is an example Oct - Paid Loan £100 -- you have funds! Nov - Paid Loan £100 -- you have funds! Dec - Paid Loan £100 -- you have funds! Jan - PPaid Loan £100 -- you have funds! Feb- Paid Loan £100 -- you have funds! March- Paid Loan £100 -- you have funds! April- Don't pay £100, (Due to insufficient funds) May- Don't pay £100, (Due to insufficient funds) June- Don't pay £100, (Due to insufficient funds) July- Don't pay £100, (Due to insufficient funds) Aug - Don't pay £100, (Due to insufficient funds) Sep-Don't pay £100, (Due to insufficient funds) Questions: a) Then after 3 months of not paying the credit cards, what is the worse that can happen? - the worse case scenario ? letters sent? CCJs ? Bailiffs? Fees ? b) Then after 6 months (3 + Another 3 months) of not paying the credit cards, what is the worse that can happen? - the worse case scenario ? letters sent? CCJs ? Bailiffs? fees? c) What will happen with the bank account where the funds for the CC minimum payments were comming out from? d) What happens to your credit file? what happens do your bank account? - from the worse case scenario? Extra info -There is no property, no car, no assets, Credit cards are with high street bank companies

If you plan to declare yourself in some months, and have 4 credit cards you have been paying the minimum payment for every month. But your expenditure has increases, and you have no disposible income int he bank account, which was paying the 4 credit card minimum payments, so for the next 2-3 months you wont be able to pay off your credit card minimum payments. (due to lack of funds) and in month 2-3 you will consider declaring yourself bankrupt so you are leading up to an ongoing problem of debt, that you cannot repay, you have no money from your expenditure to pay these credit cards, you have no disposable income left, as it is all spent on your daily/weekly expenses so as a result of this you have no money in your bank account wot pay the 4 direct debits, then them credit cards will not be paid. (There is also a loan aswell, which is with a bank), and all credit card are popular high street banks. Basically you will Not be paying your minimum payments to your credit cards, due to lack of funds, for 2-3 months, so what would happen? What would happen then, within them 3 months? - as a worse case scenario ? a) from the credit card companies point of view? b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc) c) From your credit files point of view (which is already negative and damaged ) d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given) - what would be the worse case scenario with their meeting? if any ? e) Would CCJ's occour? f) How many months worth - would they consider using CCJs against the debt? Why considering BR in 3 months? they are looking at Debt management companies, and have had some unexpected personal family problems. but were just wondering the worse case scenario for NOT paying your debts for a 3-4 month period, what would be the worse that would happen to you, your credit file, your debtors, your meeting with the OR when that happens) --------------------------- Here it is in another simpler form: If considering bankruptcy in a few months, and currently you are in credit card debt, and loan debt (paying the minimum payment every month) but 2-3 months coming up towards the time you will consider declaring yourself bankrupt you 'dont' pay any minimum payments to them 4 credit cards, and loads as you don't have the funds for them payments (due to your expenditure increassing) then within them 2-3 months (now until 2-3 months in the future) ...what is the worse case scenario that will happen? as you will be Missing your minimum payments to your credit cards + loan for months(as you have insufficient funds in your bank account) so your minimum payments of the 4 credit cards will NOT be paid... so asking within them 2-3 months would could happen to you/your credit/ your credit file etc? (eg letters could be sent to you ) --------------------------- What would happen then, within them 3 months? - as a worse case scenario ? a) from the credit card companies point of view? b) from the bank/bank accounts point of view, where the direct debits are coming out from? (eg, additional charges, letters etc) c) From your credit files point of view (which is already negative and damaged ) d) The OR meeting, what would he ask? or just he would see that you are getting more and more into debt, and can't pay your cards, (as expenditure proof will be given) - what would be the worse case scenario with their meeting? if any ? e) Would CCJ's occour? f) How many months worth - would they consider using CCJs against the debt?

if getting a pension (from the husbands pension scheme) where their company pension scheme, allowed the widowed wife to have some of the pension monthly money after their death. (company pension, eg BT pension) if that is being paid to the widow, does that mean it can affect the decision to get bereavement benefit (after applying) - ie they can reject it ? or the decision to get Bereavement Benefit have no effect or link to any 'company pension' being paid Also: or if the Bereavement Benefit is got, could the Company pension be altered/stoped? or there is no linkage?

The interview is SOON- so can you please answer these questions- would really appreciate it...... a) What do they ask at these interviews? b)-how many questions do they ask? c) can you list all the the types of questions they are most likley to ask, d) and how long does the interview last? e)+ if you cant make this interview, how many weeks approx is it until the next date they give? (I know this depends how busy they are, but usually how far are they away) ? -the reason asking being its always nice to know what kinda things are expected to be asked in interviews in advance- so would appreciate the help. please get back people with a reply.... i really appreciate it.....she would just like to prepare a bit, and there isnt much time left, so please reply answering the above questions... thanks.

did they waive the interview after attending? or they waived it based on what that claiment told them on the phone ? How did they waive it, what did they say? what reasons did they give not to attent the interview? obviously somthing to do with their condition, but wat did they say?

actually it is for a claim that she has been on for 2 years, so she is on a long lasting claim. (Both dla + IS has been given for 2 years that is) Does the fact that they have been on it for 2 years have any affect on these interviews in anyway? if so what? or does her being on it for 2 years make it easier to get out of the interviews? or can make her exempt from the interview? or anything ?

My cousin, she is on income support, and has received a 'work focused interview' letter, to come and take the interview. (she has severe mobility problems and is venerable to fall) She is on Higher rate Care + mobility so i read somewhere that makes her Exempt from the work focused interview. Is that true? - if she shows she is on HRCare she can avoid the interview? whats the best way for her to show the interview people that she is on HR care? there is just a telephone number on the interview letter- but no email address- to call them? or email them the scanned DLA higher rate letter? what do you suggest ?