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mad man

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  1. Just thought I would update on my situation. I have been working with Christians Against Poverty and they have come up with a Debt Relief Order so I am feeling much better about things.
  2. My debts are the following:- virgin £4,900 Taken out March 18. Been up to date until now Barclaycard £2,800 Taken out July 17 Been up to date until now MBNA £2,300 Taken out Sept 18 Been up to date Sainsburys £1,150 Taken out Sept 18 Been up to date Marks and Spencers Taken out Sept 18 Been up to date Tesco Taken out Sept 18 been up to date Sky Mobile Taken out July 17 defaulted in Sept and being threatened with debt collection agency. Parents £1,000 A lot of the debt was with Barclaycard (£8,500) and I was struggling to keep paying as the interest was something like 19% so I did some balance transfers to Virgin and MBNA. Sorry forgot to say amount on the following:- M & S £860 Tesco £690 Sky Mobile £400 I hope this helps. Thank you everyone who have replied.
  3. Thank you for your reply. I am looking to ruin my credit as I don't want anyone to let me get credit in the future. I do have a notice of correction on my credit files from 2008 telling lenders not to lend to me because of my severe mental health problems but that obviously did not make any difference. I don't own my own home. I don't have a car and I don't have any expensive assets. My main question is can my creditors insist on me using my DLA and ESA on paying them instead of the care I need.
  4. I am currently £13,100 in debt. Some run up by my son on my credit cards and some by me while manic(suffer from Schizoaffective disorder). Up to now I have been using all my disability money (esa and dla) on paying towards the debts instead of the care I need so have been relying on my mum to do the caring but she is 80 and it is a strain on her. I am trying to address the debts so I can pay my sister to do the caring instead and relieve my mum. The problem is my creditors seem to think that my DLA and ESA should be used to pay then so it looks like I have got plenty of money. I have tried explaining I need to pay for care but it is falling on deaf ears. Social services have said they cant help because my money should be going on care and not paying debts. I would like to go bankrupt or a debt relief order but was wondering if they also would say I have too much income? Any thoughts.
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