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NoPoet

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  1. Would that be on the loan documentation?
  2. They've sent me some paperwork confirming the total balance and that I have increased my minimum monthly payments to £25/m. Originally I was paying Hitachi £97/m and Tesco £185/m. My intention has always been to repay the debt. However my conditions are extremely prevalent, and the stress of dealing with my debt on top of the conditions has been too much. So I just cannot envisage a way of paying it all back short of winning the lottery. One good thing: receiving treatment for my conditions has definitely helped me to bring my spending under control. Without treatment, I am no more c
  3. I was advised to create a new bank account and I am currently with Co-Operative Bank. My HSBC account is still live though. HSBC have frozen interest/overdraft charges. EDIT: No CCJS. I am considering bankruptcy though. If my creditors won't accept the settlement offers I am considering paying them anyway and declaring bankruptcy.
  4. Hi, ok, thank you. I owe: £7900 to Tesco Finance. They have been absolutely amazing with me. £3900 to Hitachi Finance. They claim I missed 3 months token payments (to my knowledge this is not true) and have passed me onto cabot Financial. Cabot have also been brilliant. £6500 to my parents for bailing me out of debt, helping me to pay for treatment etc. £1500 to HSBC Bank for overdraft, fees, charges etc. My debts to Tesco and Hitachi have entered pre-default despite me making minimum payments. EDIT: My debts accrued over years of untreated illness. I have various compl
  5. Hi all. I have a number of conditions which have led to excessive debt that I cannot possibly repay in full. I am now receiving the treatment and some of the support I need for my conditions; however the vast debt is preventing me from moving forward with my life, and my credit rating is in ruins. My total debt: £20,000 My total income: Disability benefits (which I'm having to fight for in court) Part of my ADHD is reckless and impulsive behaviour which cannot be controlled. This has led to me accruing ridiculous debt without having anything apart from an eight year old computer
  6. I'm going to speak to the union staff about occupational health tomorrow. I'm also going to try to arrange something with my doctor re a diagnosis. I am increasingly coming to dislike the job. I don't get any enjoyment or satisfaction from working there any more because I have realised that the job and the company are inherently negative. I also want to use my intelligence and problem-solving skills. They have chosen to employ brand new staff for the department I wanted to move to rather than take advantage of my 3 years' experience. You're probably suspecting they are punishing me
  7. Hi, It was a Subaru bought from an independent dealer who imports performance Japanese cars. I do not have a copy of the advert. They took the advert down when I paid my deposit. I did not save a screenshot of the advert as I did not know I would need to. I had a limited test drive due to the dealer telling me the car had had an engine rebuild so I could not "floor it" and there was no way to detect any of the more serious issues since we were in a city centre driving in traffic. The price I paid reflected a car of this type in excellent condition. I had to sell it to a scrap mercha
  8. Hi, let's call it a day on this thread. The problem with my employer is not going to go away so I will need to find another job. Now that I am aware of my own strengths and limitations, I know which jobs I will be suited to and which to avoid. Thanks to everyone for their assistance. I have learned a lot from this discussion.
  9. I've been going with the advice of GPs for 20 years. I saw my history on the doctor's computer screen last time I was there. It's full of "behavioural problems", "anxiety", "depression". Nobody ever offered any kind of solution, just pills. No therapy, no insights, no attempts to find out the cause of all these problems. Should I wait another 20 years, or do I take positive and affirmative action? The way I see it, a patient has the right to get to the bottom of their problems and should ask for further support when their GP draws a blank. I don't make boasts about being right to show of
  10. Hi, until I met this therapist I have never had support. Getting through life has been like wading through waist-deep snow while everyone else is on skis. There aren't any support groups for adults in my area. I have been asked to help set one up. I am the only member of the team who meets the criteria for aspergers. Therefore my team cannot really help me either - I will only make progress when I start meeting other aspies.
  11. There are many, many things a GP cannot diagnose. In this case I need to be referred by my GP to an autism specialist. Unless I try to get a doctor in another city, in which case I will probably need to go private, I am not sure how I am going to get away from this one. The idea of making a complaint is not something I've explored since I have no recourse to another GP, but I will actually explore this option tomorrow. You made three assumptions there. 1. Self-diagnosis: I was advised to read up on aspergers by the therapist and I meet nearly all the symptoms, includ
  12. As previously stated, I went to him to get away from the previous doctors. I'm not sure how switching back would be good judgement.
  13. Hi all, thanks for your advice. The reason I am unhappy about going through my GP is because, as previously stated, he has consistently been unhelpful and is frequently rude. He has not provided me with any useful advice and gets quite negative when I suggest things. Yes, I have to research and suggest things to my GP. Even the reception staff don't like him - the practice manager actually said that to me. I moved to this doctor a few years ago to get away from the previous doctors who were actually worse! However, as people have correctly stated, I can only get this referral by sta
  14. Hi everyone. An "unofficial diagnosis" means that all the tests we took, which includes one I took in my own time on aspergers.com, show I display most of the traits of aspergers and am highly likely to have it. If I don't get diagnosed with it, then in lieu of any other suggestions I will still need to manage myself as though I am aspergers. My therapist has asked me to be a member of staff on a new adult aspergers support group. Of 8 staff, I am the only one who could qualify as aspergers. Our group hasn't finished setting up yet. I'm dreading speaking to the incompetent, rude, El
  15. Hi, I did post it for your benefit. You seem way more savvy than the average manager. You're probably well thought-of by staff. The ones who don't like you, if any, are probably the ones who shouldn't be working there. These conditions are really common so hopefully it will help someone who hasn't done as much research as we have. Introspection still takes up an inordinate amount of time for me. That's why I am very interested in learning about other people as you mentioned earlier. It must be tough for my team leader to be caught between someone who wants to move up and a company that i
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