Hi CitzenB! thank you! It feels great to have money coming in now, although it'll be a wee while before we're clear of debt. Thanks to everyone on CAG for the fantastic support! Christine

Hi IdaInFife! I informed the job centre about my job as soon as I got offered it. My husband may be able to claim job seekers on my behalf through income based for the time i was off. I'm hoping things will improve, as this has been one hell of a year so far! But thanks to yourself and everyone on CAG that replied and gave wonderful advice, I can finally see a way out the mess! Kind regards Christine

Hi Melisandre! I came across your post as I am currently having the same problem with council tax. I recieved a letter from stirling park issuing a warrent! I understand your worries about the bank account being frozen, I'm worried about this too. Keep in touch and we'll hopefully get this problem resolved for you! CAG is a fantasic place to talk to people about your debts. no-one should have to face it alone! All the best AY

IdaInFife! thank you for contacting Erika for me, she sent me a lot of great information. Sorry I haven't been on CAG for a wee while, I started a new job on wednesday there and have also been studying for my maths exam. Thank you for all your help, It's very much appreciated! Christine xx

Jen2603 Thank you very much for your reply! I appreciate the time you spent putting up all this wonderful information. Thanks Christine

National Debtline! thank you so much for the debt advice pack! I have downloaded it and I am finding it a very useful information packaage! It has made things a lot clearer! Many thanks Christine

Hi ErikaPNP! Thanks for your response. We have a bit of good news. I had an interview on Friday there for a clerical Assistant, full time, mon - fri 9-5. I got offered the job on the spot. I just started there on Wedensday. We have put in a claim for Council Tax benefits and are currently waiting on them getting back to us. I need to let them know that I've started work, do you think that'll mess up the claim? Moneys still a bit slow as I don't get paid until a week tomorrow. Its all fun, you go to work, see your pay then its all gone! I contacted tax credits and managed to get an extra £20 added on a week, so thats helping. Once again thank you for your response, it's very much appreciated! Christine

IdainFife - I went onto the turn2us website to use the benefit calculator -its telling me that the £62 that marks getting from WTC is all that we are entitled to? I am wondering if there is any more advice on how to claim Job Seekers income based given the very low income? Thanks AY

IdainFife - I will contact Turn2us tomorrow. Given the little income coming in at the moment, we should be entitlted to something. Whats worse is I worked since I was 16 and now im claiming job seekers and have been told I do not qualify for JS. Even though I explained to HMRC that Mark, my husband is off his work long term with illness, this still diden't make a difference. Thanks again Ida, thank you for taking the time to reply to my post with all the wonderful information. AY

Also I would like to thank Space2000 for your post yesterday, we have taken your advice on board about the PPI. Its so good to know that we're not alone is this. Thank you for taking the time to reply to my post. AY

Hi IdainFife. I contacted the Consumer credit counselling service and they have taken a note of all our income, outgoings etc. they will contact me on May 8th to check what can be done to help, this may include a token payment to each of the creditors. I am following the advice you sent to me on April 27th, it is very useful advice and I would like to thank you for your help, it means so much to me. Thanks again

Many thanks to crocdoc and IdainFife for the fantastic advice you gave to us. It is nice to know we are not alone in this situation. We have already made a budget and are cutting back on a lot of things. I will be seeing about reducing Sky tv, which at the moment is a big outgoing. We also have an appointment with North Ayrshire Debt Advisors to talk about making token payments to the creditors which will give us time. Or perhaps use the PPI on the cards and loan instead of claiming it back. Thank you once again. I will let you know what the outcome is. Christine

Hello everyone. I am writing to ask for advice as my husband has two bank of scotland credit cards and one personel loan. I had to stop work last year due to depression and Stress after the death of my grandfather, who i was very close to. His death had a huge impact on my life. My husband was the only one bringing in a full wage at the time and now he is currently off on long term sickness and only receiving SSP. We are currently waiting on a form from my doctor to send to our mortgage provider to help us with the mortgage. We are just getting by on paying bills and surviving. The big issue is that the credit cards and loan are too high currently sitting at £16,000 in total. The total payment to service all the debt is currently around £410 per month and the two cards are currently sitting one month in arrears (it will be two months as of next week). The bank is now phoning non-stop everyday on the mobile and home phone. We do not answer them but have been advised from my father to tell them we can not afford to pay. Does anyone have any advise that could help us as we are a young couple, I'm 24 and my husbands 26. We've not even been married for two years and are struggling with depression due to the events of last year. Could someone help? Thanks. Christine