husband has been dismissed from work due to ill health / mental health - struggling to pay lots of debts

[H&Amoney]

Hi

my husband has been dismissed from work due to ill health / mental health

 

he has numerous loans / credit card debts amounting to around £30,000

nothing secured on our house thankfully .

 

What can he do,

as without a job he can’t pay ,the benefits we do get covers the bills and food .

 

They are with different companies HSBC’ leandable Santander zopa to name a few .

thanks in advance 

[dx100uk]

are all these un defaulted to date?

are upto date on payments  until recent

and still with the original creditors?

[H&Amoney]

Yes all un defaulted on .yes with original lenders .yes up to date as of today but no wages from now on .

Edited March 1, 2023 by H&Amoney
Mispealt

[dx100uk]

well i see you learned the ropes back in 2018, bit its a shame hes run up loads of debt again.

 

 

my 1st course of action would be to invoke the gov'ts breathing space scheme.

 

/assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png

Debt Respite Scheme (Breathing Space) guidance for money advisers - GOV.UK

WWW.GOV.UK

 

[H&Amoney]

Hi, yes we separated for three years and this is the result .Thank you I’ll read over the info I’m not good with technology having my own ill health :

Thank you though

[dx100uk]

We'll get that running and then we'll look at a long term solution as that only gives about 60 days... breathing space.

 

Dx

[H&Amoney]

Ok thank you .If he can afford to pay any should he or does this stop everything ?

[dx100uk]

Well that's where going fwd comes in 

 

Get breathing space done. Then look at pro rata letters p'haps

 

Dx

[H&Amoney]

Ok thank you I’ll get on to it .

[Ell-enn]

Hi,  how long had your husband worked for the company ?

[H&Amoney]

Hi only four years ,no case for unfair dismissal as such .He simply couldn’t do his job it was a small company of 4 people .

[Ell-enn]

Did you take any advice regarding his dismissal?  i.e. are you comfortable the employer followed the correct procedure and paid the applicable severance pay ?

[H&Amoney]

He’d been off for 6 months on ssp got 4 weeks pay and 8 days holiday .

Didn’t appeal decision as no longer able to fulfil work commitments .

 

Only thing that wasn’t done correctly was no warning of dismissal but a meeting had failed to be attended due to having to drive to it and mentally wasn’t able .

 

Alternative work offered within the company but not suitable .

So I think it was all fair but not suitable or possible .