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  1. Have 69 k of credit card debt, all other priority debts are been paid .. ...mortgage,securedloan,gas,electricity,council tax etc. This debt had built up over time as husband was made redundant a few times in several years. Have still been paying cards, some I have been robbing Peter to pay Paul with. Have defaulted by one month a couple of times but bought up to date. My question is can I ask for a CCA on accounts while I am still paying them or do I have to default and if I do ask and they have proper documentation can t
  2. There seems to be a lot of confusion around mental health services for veterans. There's a myth that circulates, usually on social media, that there's no support for veterans with mental health problems, especially PTSD. It's untrue, and it's unhelpful for those who are suffering because it could make them think it's not worth asking for help. Part of my job is training people in mental health, including the Armed Forces community. I also train NHS and local authority staff around the Covenant and working with the AF community. I thought it might be useful to post some up to date inform
  3. Hi, I have a question regarding my credit file & 4 Lowell accounts which were closed as a "goodwill gesture" due to my ongoing mental health illness. Due to them constantly contacting me via telephone and threatening letters, I contacted them first email to request they stop contacting me via my telephone and also to try and setup some kind of affordable repayment plan to clear these accounts. I also explained my health circumstances and my very low income. They requested I complete a income/expenditure and some proof of my illness. I replied with my doctor's report and expl
  4. Hi All, Thank you for all your help over the many years - been a long journey but almost there. Now that I have the strength and knowledge (from here) to take on the financial system in this country, I'm now trying to help my elderly Dad fight back. My Dad was always in control of financial affairs in the past but for the last few years now has become less able to deal with the modern world and now he is showing early sign of dementia. It came as quite a shock to find out that he has 6 credit cards which are now leaving him with no pension to live on. It became noticeable las
  5. New pocket guide for troops to access mental health support READ MORE HERE: https://www.gov.uk/government/news/new-pocket-guide-for-troops-to-access-mental-health-support
  6. I don’t know if this will be of interest, hopefully for people in the same circumstances it will be. The history of this is a little personal but I feel it needs to be said. In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit. During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time. got these cards by simply applying for balance transfers they were throwin
  7. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had bee
  8. MOD launches biggest ever mental health awareness week with new confidential support for personnel on operations READ MORE HERE: https://www.gov.uk/government/news/mod-launches-biggest-ever-mental-health-awareness-week-with-new-confidential-support-for-personnel-on-operations
  9. Hi, Just looking for some advice as am fretting hugely and feeling a bit confused by the rules. To explain as simply as I can... I am currently in receipt of high rate DLA and income related ESA in the support group. I was awarded both of these at reassessment without any difficulty and wasn't even called to a medical for my ESA. I have been on these benefits for a long time and have also been on housing benefit for about two years since I moved into my own flat. I suffer from mental health difficulties including a long term eating disorder and type 1 diabetes which means my phy
  10. Defence Minister outlines expanded mental health provision for Armed Forces and veterans READ MORE HERE: https://www.gov.uk/government/news/defence-minister-outlines-expanded-mental-health-provision-for-armed-forces-and-veterans
  11. I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if or
  12. Hi, New to the forum, so please be gentle - I'm not in a good place at the moment. It has taken me days to pluck the courage to seek help on this. This is a little long, but I'll do my best to be brief. Started new job role in September 2016, after being made redundant from a role I loved. In the December 2016 I started experiencing increased anxiety and OCD issues, visited GP and was placed on a waiting list for a mental health referral. After a telephone consultation with Mental Health Unit I was deemed low risk - I work, wash myself and generally 'function' like a normal pers
  13. A client of mine has an overpayment that's arose from a grey area due to having long-term mental health problems (the latter is what he is using our service for). Councils seem to vary with how they handle vulnerable adults, has any one any advice or central information? His health has deteriorated and he is worried about further action. He receives income support, HB and CT reduction.
  14. Hi everyone, Thank you for taking the time to view my post. I really hope someone can offer advice.. I'm going to be blunt, and please forgive me, but I've never spoken about this to anyone before. nearly 5 years ago my marriage broke down, I had to leave my family home, and close down my business. I moved away from the county I lived in as I didn't have any work any more, and my sister let me live in a flat above a pub she owned. I slipped into a deep depression that was lifted when I started to see a new lady. She left me, My sister helped me until she
  15. Theresa May has just finished delivering a speech setting out her vision for addressing mental health issues. Any cause for rejoicing or should we be concerned? Discuss. Health Secretary. Hunt. Delivering a speech later today on the same subject.
  16. Hi I am tryng to help a friend get back on their feet. They have a small military medical compensation which stops benefits. Also a few months back signed off with depression and attending counseling. Separated from ex several years ago now over Christmas period this has got them in a real state. They are not wanting to dodge responsibility they drove several hundred miles pre-Christmas to ensure children got presents from them. It may be only 20 payment a month but at this moment in time she just doesn't have it and her, If she has so little money and is signed off with severe d
  17. Unfortunately, many people consider that because, they have problems with mental health that a local authority should not pursue them for road traffic debts or refer cases to bailiffs. The following recent decision from the Local Government Ombudsman is therefore of importance: PS: The following is a short version of the LGO's decision. Please refer to the link at the end of the post to read more. London Borough of Hounslow. The complaint Mr A complains the Council harassed him and discriminated against him by using bailiffs to collect a debt relating to two u
  18. Am due to attend the above medicals in support of a claimant. Was wondering if anybody has been to a PIP/ESA medical in the past year and what questions were asked in respect of mental health issues specifically. I know that there are lists of questions typically asked by assessors on the web etc, but am particularly interested in recent trends and any "trick" questions. Thanks
  19. So it turns out PDLs are not just bad for your Bank Account & Wallet - They are also bad for your brain too!! I highlight the below because this is still massively worrying...
  20. please redirect if posted in wrong place mother in law has dementia wanders got ran over 3 weeks ago thank goodness not to bad. had mental capacity test done in one hospital conclusion lack of it. moved to different rehab unit they at first said they wouldn't accept other hospitals conclusion her home social services did the test. how do we as a family apply for both financial and medical power of attorney she cant consent herself
  21. A friend of mine who is doing some research into today’s workplace for her university course has asked me to post this up although I have done it in my words as hers seem a little to complicated for me to understand and would like your honest answers, please not the political correct answer also. A 48-year-old ex-soldier was medically discharged from the army due to mental health issues over 15 years ago. He held down a job for 5 years at first working in a support role for a IT company but is illness got worse and he was forced to give up working, and was put on the sick with a li
  22. We live in a private block of retirement apartments with no assisted help and a visiting manager employed to look after the building. A mentally ill man has been living in an apartment owned by his sister. For the past 6 months this poor chap has become violent and delusional. He has caused damage and has threatened and terrorised elderly residents. He also exposed himself and made many lewd comments. He also was involved in an incident where he had a gun and threatened residents, paramedics and the police with it. 4 armed policemen, three others and a do
  23. Do any of these things happen to you? This could be i every general day life. Aspects of social anxiety Social anxiety affects our body our feelings and behaviour and thinking, but it dose not affect everyone i exactly the same way. Think about things that might happen to you while you are anxious in social situations if the things that you notice are not on the list below then add them yourself. Examples of effects on your body Shaking or trembling Sweating Blushing Tension Racing Heart Examples of effects on your feelings or emotions
  24. NHS England has launched a survey on mental health services for ex-members of the armed forces. READ MORE HERE: https://www.gov.uk/government/news/developing-mental-health-services-for-veterans-in-england
  25. Hi my first post so please excuse any mistakes. Yesterday I was woken up at 6.45am by two burly bailiffs from swift stood in my hallway, they had let themselves in via an unlocked door. The debt is for council tax I owe £184. I asked them to leave as I suffer poor mental health and got upset very quickly. They asked to see my medication but I was so flustered I couldn't find it. I told them I suffer badly with anxiety and paranoia and couldn't cope with them being there I quickly became anxious and stated behaving quite manically throwing DVDs at them etc. Probably sounds an over r
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