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Twinkie UE diary
Thanks 
.
TBH I am in a desperate place and really don't want to carry on living. My situation I complex. I suffer several conditions causing disability which cause pain, exhaustion, weakness and breathing difficulties (breathing due to heart failure.)
As such, I am bed bound. Regarding my debts all were before 2007. I believe the combined total owing of myself and hubby is around 37k or so. I think his is about 15 and mine about 22. Because I am too I'll to sort things out most of these debts have been passed to DCA's with threats of this, that and the other.
My husband is paying £1 per month on two of his debts (four in total) and the other two have been ignored. I am paying £1 per month on one debt ( I think I have 5 or 6 in total) but that was because Brian Carter was applying to court for a CCJ ( had court date etc, but this didn't go through when I arranged to pay £1 per month.)
For the most part, we are not hassled as I changed our phone number, and letters are only arriving from 3 or 4 debts (because no payment arrangement is in place) and the others seem to have forgot we owe them.
We entered into a DMP through CCCs around 2008 but stopped paying this as to me it was dead money as our intention is to go BR. So, for the last good 3 years we have got letters that are dwindling in occurrence, and because of my daily life being a struggle every letter is ignored. Apart from B Carter, no one else appears to be pushing the issue, I am even getting offers of paying just 25 percent of the debt owed on a couple of debts.
I have no idea what debt is with which DCA as they seem to just pass from one to another when we don't respond.
At this point I will mention we are on benefits ( really despise this) but my health is very poor and my husband is my full time carer (ex army)
Now, I have been offered the chance to do a little work. It's going to be done via the net, on a SE basis and this will be permitted work. It's something I want to do as its fully flexible. Obviously I would only be allowed to keep £20 of what I earn, but I can deal with that. The idea was to do the PW for 12 months with a view to then going on WTC / 16 hours after 12 months.
My youngest child will be 17 at the end of the month and will be leaving for University September 2013. After that we will have no dependants. So basically in just over 12 months time I may have completed the PW and move up to WTC as my son leaves.
So the other day was considering going BR. Then I found out that I may have an IPA put in place for three years, essentially working for nothing due to rule changes in 2010 of 100 percent spare going to OR.
I would like to ask a few questions if I may?
Is DLA included in IE for an IPA?
Is my partners CA included?
The Internet is extremely important to me, but equally so is digital TV as having to deal with pain etc and stay in bed I need that stimulation because it is ALL I have. We never go out due to my circumstances and hubby has to be here literally 24/7 to care for me. I heard that the OR inform Sky/Virgin of your BR and these services are taken away. That would be devastating for me as its all I have. I also heard that the OR inform your telephone/broadband provider and as mine is about to be an inclusive package with digital TV - the lot will be taken.
Therefore we are going to be stuck in a situation with no net/TV while being stuck in a bedroom all day dealing with what I do. I know this may come across wrong, but when you have to stay in bed each day, every day, and you are not able to do anything else by way of recreation due to disabilities, then there is simply no point putting up with the pain etc any longer. I have battled through trying to stay alive as the pain is intense and incredibly difficult to deal with. The exhaustion, weakness and other health issues which I don't want to declare here, make life practically unbearable.
What keeps me going is my husband and children, and the net and TV and my dogs. My dogs are theraputic to me - incredibly so, and I cannot begin to explain what they meant to me.
The way I see it I have a couple of choices:
1. Try going the unenforcible route - although I would need a lot of support to do this and I am unsure if it's going to be worth it. I have heard even SB'd debts can raise their ugly head again. At least this would allow me to keep TV/NET and try a little work but for how long?
2. paying £1 pm as now and ignore letters where this is not in place, hoping for SB'd to be in place at some stage. How long do places accept £1 per month? Is it indefinitely? Those where I have the payments in place say I will be subject to review but this has not happened. If I went on WTC would I need to legally inform them?
3. Go BR. Forget the PW which would loose me the opportunity to increase revenue over a few years. Loose my tv and net in the process of going BR meaning I could not do any hope of work. Hopefully on benefits there will be no IPA in place. After 12 months discharge which ties in with my youngest leaving home, so could start to rebuild life after discharge but it would be a life on benefits, fighting the current cuts to DLA, ESA et all until pension. (I am 60 in 12 years but I think pension age is going up)
What are the chances of getting tv/net when discharged?
4. Forget it all and cease to carry on - the pressure is really getting to me and the thought of living in this bedroom without any life whatsoever, fighting for benefits, trying to get the net and tv services again, fills me with dread, it really does.
I have very little fighting resources due to being poorly. I have little quality of life but do get joy from my family and dogs, tv and net - I can manage with that.
I have limited time to decide - I have to make a decision in the next few weeks so that by the time my son leaves home we are either BR and released, or working the little I can and fighting the debts, or working the little I can and paying an IPA. It's crunch time. I am desperate
I beleive my hubbies debts are just over the 15 k for a DRO. Could we feasibly pay the smallest one which is a couple of hundred to bring him below and apply for a DRO? Or is that not allowed? If my husband could go through a DRO it would take some pressure off as a third of his parents house s going to be left to him and I would hate to take no action, his parents die and then he has to go BR and then his equity in the house is taken.
There is one other possibility. Get a final payment figure for each debt if they are willing to accept 25 percent and pay these over time while working. However I might as well just go BR and pay an IPA in such a case? Will the OR allow a little for tv/net? Dogs? if I make clear these are essential?
Just to add, I care not about my credit record. We have managed to survive without CC since 2007 and I never want to borrow again, neither does my husband.
. TBH I am in a desperate place and really don't want to carry on living. My situation I complex. I suffer several conditions causing disability which cause pain, exhaustion, weakness and breathing difficulties (breathing due to heart failure.)
As such, I am bed bound. Regarding my debts all were before 2007. I believe the combined total owing of myself and hubby is around 37k or so. I think his is about 15 and mine about 22. Because I am too I'll to sort things out most of these debts have been passed to DCA's with threats of this, that and the other.
My husband is paying £1 per month on two of his debts (four in total) and the other two have been ignored. I am paying £1 per month on one debt ( I think I have 5 or 6 in total) but that was because Brian Carter was applying to court for a CCJ ( had court date etc, but this didn't go through when I arranged to pay £1 per month.)
For the most part, we are not hassled as I changed our phone number, and letters are only arriving from 3 or 4 debts (because no payment arrangement is in place) and the others seem to have forgot we owe them.
We entered into a DMP through CCCs around 2008 but stopped paying this as to me it was dead money as our intention is to go BR. So, for the last good 3 years we have got letters that are dwindling in occurrence, and because of my daily life being a struggle every letter is ignored. Apart from B Carter, no one else appears to be pushing the issue, I am even getting offers of paying just 25 percent of the debt owed on a couple of debts.
I have no idea what debt is with which DCA as they seem to just pass from one to another when we don't respond.
At this point I will mention we are on benefits ( really despise this) but my health is very poor and my husband is my full time carer (ex army)
Now, I have been offered the chance to do a little work. It's going to be done via the net, on a SE basis and this will be permitted work. It's something I want to do as its fully flexible. Obviously I would only be allowed to keep £20 of what I earn, but I can deal with that. The idea was to do the PW for 12 months with a view to then going on WTC / 16 hours after 12 months.
My youngest child will be 17 at the end of the month and will be leaving for University September 2013. After that we will have no dependants. So basically in just over 12 months time I may have completed the PW and move up to WTC as my son leaves.
So the other day was considering going BR. Then I found out that I may have an IPA put in place for three years, essentially working for nothing due to rule changes in 2010 of 100 percent spare going to OR.
I would like to ask a few questions if I may?
Is DLA included in IE for an IPA?
Is my partners CA included?
The Internet is extremely important to me, but equally so is digital TV as having to deal with pain etc and stay in bed I need that stimulation because it is ALL I have. We never go out due to my circumstances and hubby has to be here literally 24/7 to care for me. I heard that the OR inform Sky/Virgin of your BR and these services are taken away. That would be devastating for me as its all I have. I also heard that the OR inform your telephone/broadband provider and as mine is about to be an inclusive package with digital TV - the lot will be taken.
Therefore we are going to be stuck in a situation with no net/TV while being stuck in a bedroom all day dealing with what I do. I know this may come across wrong, but when you have to stay in bed each day, every day, and you are not able to do anything else by way of recreation due to disabilities, then there is simply no point putting up with the pain etc any longer. I have battled through trying to stay alive as the pain is intense and incredibly difficult to deal with. The exhaustion, weakness and other health issues which I don't want to declare here, make life practically unbearable.
What keeps me going is my husband and children, and the net and TV and my dogs. My dogs are theraputic to me - incredibly so, and I cannot begin to explain what they meant to me.
The way I see it I have a couple of choices:
1. Try going the unenforcible route - although I would need a lot of support to do this and I am unsure if it's going to be worth it. I have heard even SB'd debts can raise their ugly head again. At least this would allow me to keep TV/NET and try a little work but for how long?
2. paying £1 pm as now and ignore letters where this is not in place, hoping for SB'd to be in place at some stage. How long do places accept £1 per month? Is it indefinitely? Those where I have the payments in place say I will be subject to review but this has not happened. If I went on WTC would I need to legally inform them?
3. Go BR. Forget the PW which would loose me the opportunity to increase revenue over a few years. Loose my tv and net in the process of going BR meaning I could not do any hope of work. Hopefully on benefits there will be no IPA in place. After 12 months discharge which ties in with my youngest leaving home, so could start to rebuild life after discharge but it would be a life on benefits, fighting the current cuts to DLA, ESA et all until pension. (I am 60 in 12 years but I think pension age is going up)
What are the chances of getting tv/net when discharged?
4. Forget it all and cease to carry on - the pressure is really getting to me and the thought of living in this bedroom without any life whatsoever, fighting for benefits, trying to get the net and tv services again, fills me with dread, it really does.
I have very little fighting resources due to being poorly. I have little quality of life but do get joy from my family and dogs, tv and net - I can manage with that.
I have limited time to decide - I have to make a decision in the next few weeks so that by the time my son leaves home we are either BR and released, or working the little I can and fighting the debts, or working the little I can and paying an IPA. It's crunch time. I am desperate
I beleive my hubbies debts are just over the 15 k for a DRO. Could we feasibly pay the smallest one which is a couple of hundred to bring him below and apply for a DRO? Or is that not allowed? If my husband could go through a DRO it would take some pressure off as a third of his parents house s going to be left to him and I would hate to take no action, his parents die and then he has to go BR and then his equity in the house is taken.
There is one other possibility. Get a final payment figure for each debt if they are willing to accept 25 percent and pay these over time while working. However I might as well just go BR and pay an IPA in such a case? Will the OR allow a little for tv/net? Dogs? if I make clear these are essential?
Just to add, I care not about my credit record. We have managed to survive without CC since 2007 and I never want to borrow again, neither does my husband.
Hi and Welcome....Can't say anything more that diddlydee has not already said , you are in the right place now for help any question you may have just ask away....remember thier is NO such thing as a silly question......
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