Thank you very much for the advice SWLABR9

Hello and thank your reading, I unfortunately suffer from the following which I take medication for: Spinal Injury - Long term disability affecting movement, loss of feeling in legs and feet Chronic Pain due to spinal injury and herniated discs Depression ADHD I missed my Work Capability Assessment as I had an infection, I called the centre prior to the appointment to tell them and I also visited the GP and obtained medication.I was told that I would receive a letter from the DWP asking why I missed the appointment. I subsequently received the form, I completed the form complete with an appointment card and the medication container which listed the date on which I obtained the medication, at no point was I asked to explain my disability/illness or the reason as to why I had been in receipt of "not fit for work" note from the GP and have been since Sept 2016. A couple of weeks later I received a "Decision maker has decided your capable of work" The questions I am asking are: 1.How can this have been made when there has been no formal assessment completed or any forms filled out by myself to explain the conditions and difficulties I face on a day to day basis? 2.I have note received any explanation as to why this decision was made, so I want to appeal, whats the best way to do this? 3.I have no benefits in the meantime, I am in a lot of debt and am behind in my rent, which means that I may lose my home due to this decision, what can I do? Many thanks in advance for the advice, it is really appreciated

Hi, I have become disabled and as such my income dropped from about 70k a year to 40k over the past couple of years, I had various periods of 6 months of work with no income due to my disability and i had been diagnosed with Depression and ADHD. I contacted Stepchange and have a case number, and it suggested with IVA or Bankruptcy. My overall debts are over 40k I am trying to put in place a DMP with my creditors as an interim measure for 12 months to see if I can improve my income level. I contacted TSB on 25th July and spoke a representative (i took details of the call) on the telephone to explain the situation and they agreed not to send me anything for 30 days, I sent the letter to the collections address with a financial statement, history statement and offer to pay TSB an an amount that would cover the interest on a personal loan that is currently just over 3k. I have paid back over 4k on the original loan. I received a letter dated 2nd August on Saturday registering the debt as a default as I have missed two payments, what do I do now? I thought that TSB would give me an opportunity to use the DMP as a short term solution without registering a default. What are my options, thanks for everyones help.