It just gets worse-Debt problems are causing great stress.

[Hopeful1]

Just popped in to say 'hi' NJW - i hope you're ok?

[nowayjose]

Just a quick note to say thank you to everyone for all your advice and support, sorry I havent had time to reply but did a split shift in work today, so no time to do any thing really, Im workin in the morning so hopefully will have more time to look through threads tomorrow, thank you all for your time, much appreciated .

NWJ xx

[Mr lex]

You just get a good nights sleep, someone will be here when you need us

[cymruambyth]

Hi, just seeing how you are; you'll see that I'm in secret mode, playing at silly times!!!

I can't match the excellent knowledge of bb and others but can be useful for bouncing ideas off.

Take care. C

[nowayjose]

Hi, everyone, thanks for finding out that info BB on the tax credits, I will phone on Monday now with as much detail I can give them and see if we re entitled to anymore money, I have an appeal as regards my husbands illness and will let you know how I get on there. I ve received a letter this morning regarding the car repossession on our car which was repossessed in Jan, I think it would be better if I start separate thread, which I will do now, if anyone can help I would be grateful. Well it was pay day yesterday and it was alot worse than I thought, I didnt receive my petrol expenses of around £100 as they said I submitted it too late, I will have to wait for next month now:evil: I am really having to consider changing my job (which I love) to a job with full time hours, my take home pay this month barely covers my mortgage, so I really dont know what to do either that or I will have to take on a second job.....once again thanks for your support and kindness. x

Edited March 28, 2009 by nowayjose
forgot a bit...

[cymruambyth]

Hi nwj,

How are you feeling now? Did you have a good weekend? Good luck with your phone calls on Monday.

C

[nowayjose]

Hiya Cymru, up late again I see, Im ok, no nasty letters this morning, for a change, in fact I had a letter from my employer, (local authority), it seems that I might be eligible for an increase in my hourly pay, my grade and pay scale is due to be restructured in line with the equal pay to male employees within the council, about bloody time too. So it should be good news.

I spent most of yesterday trying to scan documents onto my other thread on Car Repossession, that took me all night, I will phone T Credits shortly and see how I get on with them. Thanks for keeping in touch, best wishes.

NWJxx

[Mr lex]

Hiya NWJ,

 

I just popped in to see how you got on with the Tax Credit people ??

 

Im ok, no nasty letters this morning, for a change, in fact I had a letter from my employer, (local authority), it seems that I might be eligible for an increase in my hourly pay, my grade and pay scale is due to be restructured in line with the equal pay to male employees within the council, about bloody time too. So it should be good news.

 

 

Fingers crossed there then, seeing how they brought it up, you must be due and a bit of back pay as well maybe

[nowayjose]

Hiya Lex,

TBH I havent phoned them, I told my OH that I was going to phone them and he said what if we get less than we re having now, he has no trust in Tax Credits, so I dont know what to do....

As far as back pay goes the council has already settled their equal pay claim and I received that last year, it sorted christmas out with no extra borrowing, so I dont think we will get any more, in the middle of the hardship spreadsheet though...

 

NWJxx

[Mr lex]

Hi NWJ,

 

Re. Tax Credits, somehow I don't think you would come away with less!!

 

Hopeful1 gave you a good link here, give it a go.

 

 

This site is useful for trying to ascertain which benefits you are entitled to: Start Calculation but because your situation is slightly complex, it would probably be a good idea to ring the national debt-line: http://www.nationaldebtline.co.uk/england_wales/" FREE CONFIDENTIAL and INDEPENDENT ADVICE.

 

Have fun with the I/E spreadsheet, give me a shout on that thread if you get stuck.

 

Lex

[cymruambyth]

Hi nwj,

How are you feeling now? Any progress? I would follow the advice given, ohs can be obtuse, especially when they aren't actually dealing with everything:eek:

The area where I think you may live in is great, will you be going to the beach over the holidays, as I have man happy memories of there.

Good luck on your other thread, that company sounds particularly horrible.

[nowayjose]

Hi Cymru, Im Ok at the moment, Im eager to see if Corner Park get back to me with all the right information, I cant wait... it really feels like Im fighting back... No I havent got any outings planned, Im working as many hours as I can at the moment, begging my duty desk for more hours while my hubbys not receiving any money....its my weekend off but Im on a retainer this weekend, they pay you for being on call so I have to sit by the phone basically... I am looking forward to the weekend though because my son who is in the Navy will be home for Easter and my other son who has just started his training in the Army will be home for the weekend, I havent seen him for 8 weeks so I can t wait, it ll be a great weekend I hope... I think your remembering either Porthcawl or Barry Island, unfortunately they are both very run down, especially Barry, the fairground isnt what it used to be, theyve still got the same Log flume from when I was little and Im 40, about time they spent some money on it now.. How about you, have you got any plans... its a lovely day today, but not sure what the weathers like for Easter though???

Take care

 

NWJxx

[cymruambyth]

Porthcawl used to be my mum fittng about 8 kids in the car for a day trip.....Barry Island used to be occasional days out to Butlins or just playing on the beach.......Penarth used to be a lovely ice cream parlour......and to really show my age I can remember getting the steamer boat to take us over to Weston

I'll be spending the holdays visiting family on the coast and hopefully surfing (well body boarding but surfing sounds more exciting and younger!)

It will be lovely having all your family back home; I have 4 sons but so far have failed, despite my best efforts, to lose any of them!

I'm glad you are sounding a bit more positive, when you feel as though you are fighting back and doing something with guidance and support from some great people you start to get some control back into your life.

C

[Mr lex]

I can remember getting the steamer boat to take us over to Weston

Ooo, was that the 'Westward Ho' if so it's now a night club in Manchester !

 

Well done NWJ, I hope you have a great weekend, I have a son in the RAF, it's always good to see him home for a few days.

 

Lex

[nowayjose]

Yes, I used to love Porthcawl when I was younger, (used to call it 'hiya butt bay' because you would always see soo many people you knew lol) and we used to stay in Happy Valley in a tent... or if we were really posh we had a caravan in Trecco... I used to think it was soo far away, its only around 20 miles!! I prefer the Gower now though, not much there but beautiful beaches, all you need on a nice day.... BTW if your interested there is still a paddle steamer from Penarth to Weston, called the Waverley went on it a couple of years ago.. hope you have a good time on your trip, and the weathers good for you;)

NWJxxx

[pompeyfaith]

Just a quick question that may or may not help you but worth asking non the less.

 

Do you pay payment protection insurance on any of these debt's if you do have you looked into reclaiming the cost of these back.

 

this could go some way in helping you to get straight again.

 

As for being stressed out I know where you are coming from as i was very stressed which lead to me having a heart attack last week and a one week stay in hospital to have a stent fitted, but im still here to carry on my fight as it has made me a stronger peron to carry this though to the end.

 

I wish you and your family well

 

Regards

 

PF

[nowayjose]

Thanks PF, the only one with PPI I think is Citifinancial, we wouldnt be covered though because my husband is off with an existing illness, but the insurance was very expensive and we were desperate at the time and would have signed anything... the salesman was very pushy... I hope you are recovering after you heart attack, you should take it easy now and dont let your problems get you stressed out, take it as a warning... Im a fine one to talk, my blood pressure is sky high, even with medication, (family history, my dad died in his late 50s through a brain haemmorage)and I have recently been diagnosed with type 2 diabetes... Im sure the DCAs are adding to my health problems and likewise with yours,

 

Just look after yourself

Best wishes

NWJxxxx

[pompeyfaith]

Nowayjose,

 

May i suggest you pop over to the PPI forum and read the sticys at the top its a very good read and will no doubt give you reasons to claim the cost of the citifinancial PPI policy back with interest.

 

Putting a thread in the PPI forum will get you bundles of help with this also remember the FOS are hot on this as there are many policies that where mis-sold just like the endowment fiasco.

 

This will give you no doubt a lump sum to help clear your debts.

 

Regards

 

PF

[nowayjose]

Thanks for that PF, It looks like Ive got a lot of reading to do, looks interesting, thanks for letting me know about that, I will have to dig out the paperwork on the loan and see what it says

 

XX

[hilaryfrances]

:)hello nwj I have just got a cheque for the whole of the amount of PPi I paid to A @ L + interest. If you read the PPI forum some people are getting their LOAN returned as well.

 

Hey PF sorry to hear about your heart attack, bet your dog was chuffed to get you back home

[pompeyfaith]

Thank You Hilary

 

Yes funny how you miss the dog so much when you are away for a week hehe she was truely excited when i walked though the door bless her.

 

Regards

 

PF

[Mr lex]

I just thought this would amuse you.

 

Dogs V People.

 

Dogs do not have problems expressing affection in public.

Dogs miss you when you're gone.

You never wonder whether your dog is good enough for you.

Dogs understand what "no" means.

Dogs feel guilt when they've done something wrong.

Dogs don't brag about who they've slept with.

Dogs don't criticize your friends.

Dogs admit when they're jealous.

Dogs do not play games with you—except fetch. And dogs never laugh at how you throw.

Dogs are happy with any video you choose to rent, because they know the most important thing is that you're together.

Dogs don't feel threatened by your intelligence.

You can train a dog.

Dogs are already in touch with their inner puppies.

You are never suspicious of your dog's dreams.

Gorgeous dogs don't know they're gorgeous.

The worst social disease you can get from dogs is fleas.

Dogs don't make a practice of killing members of their own species.

Dogs understand if some of their friends can't come inside.

Dogs think you are a culinary genius.

You can force a dog to take a bath.

Dogs don't correct your stories.

Middle-aged dogs don't feel the need to abandon you for a younger owner.

Dogs don't mind if you do all the driving.

Dogs don't step on the imaginary brake.

Dogs do not care whether you shave your legs.

Dogs aren't threatened if you earn more than they do.

Dogs mean it when they kiss you.

Dogs are nice to your relatives.

 

Sorry to high jack, but I thought it might bring a smile

 

Lex

[pompeyfaith]

Gee Thanks Mr Lex that certainly put a big smile on my face and how true is all that.

 

This world would be a happier place if everyone had a dog one of the best stress busters too.

 

Regards

 

PF

[hilaryfrances]

:Dyes dogs and cats make your home and family complete, I would be lost without mine

[cymruambyth]

Hi have a great weekend with all your family around you. Forget everything and enjoy yourself.