just wondering if anyone can advise me, my son is 20 years old and has been diagnosed since an early age with autism and has recently been diagnosed with moderate learning disabilities, he was at a school for special needs up until he left school at 16.
he is currently receiving DLA but he has no real idea of money and always wants to spend it as soon as he gets it. The problem is because he wants to be more independant we allowed him to sign up for a phone contract and have sky installed in his room both come out on a monthly basis on the understanding that the money would always be in the bank.
recently he was getting parcels delivered to the door, we found out that he had set up 2 catalogue accounts online and had been getting things from there, also buying many items from other online stores. also we have just found out that he has also been purchasing tickets to concerts all over the country without discussing it with us, he has purchased over a dozen tickets for events in just the last few months. it seems like he has been spending just for the sake of it.
here is where the problem is, because he has been spending all his money he has been taking out payday loans in order to subsidize this habit, we had no idea of this, only finding out about this today. each time he was borrowing more and more in order to pay of the previous one and has he has no idea when it comes to money it seems to have spiralled.
he is due to get his DLA friday and has just decided to tell us that he is unable to pay his phone and sky because there is over 800 pound due to come out of his account from payday loans... 3 different ones in total! and he is not making the payments to the catalogues because the funds aren't there.
i now need to contact all the catalogue companies and payday loan companies on his behalf.
i have already gone into his bank with him to cancel the payday loans from coming out but i still need to contact the companies.
could anyone point me in the direction of a letter or advise me what to write that will highlight this situation he has gotten himself into.
any help would be greatly appreciated