Bluebell's Debt Thread & Hardship Claim

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

Here are the skeleton and Sept/Oct IE that accompanied the application.
If there is anything else that would be useful let me know and I'll track it down and post.

[Amethyst]

Re: Bluebell's Debt Thread & Hardship Claim

(((((((hug))))))) thanks for those scans hun will help.

[WendyB]

Re: Bluebell's Debt Thread & Hardship Claim

Just a thought. How come OH only gets paid 11p/mile. Standard is 40p/mile, isn't it? Thats what it shows on the In rev website, that's what I get paid if I do any mileage for work.

[TUTTSI]

Re: Bluebell's Debt Thread & Hardship Claim

Just a thought. How come OH only gets paid 11p/mile. Standard is 40p/mile, isn't it? Thats what it shows on the In rev website, that's what I get paid if I do any mileage for work.

It should be 40p for first 10,000 miles the 25p thereafter, this is the Inland Revenue guideline.

But I suppose it would depend on the contract of service and what was agreed, as some firms who I have worked for just re-imburse .25p per mile. I agree with Wendy that 11p is incredibly low and does not go anywhere near to cover petrol and car costs.

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

I know what you mean! It's a bit complicated - if you drive your own car it is 40p (ish) per mile, but if you drive a company car it can be 11p. It is a total swizz but my OH can't drive the company car because it is a manual and he has yet to pass his manual test. SO he is driving his own automatic car until he passes the manual. It makes me really annoyed to think about it. It all boils down to lack of clarity in his interview. They assumed he had a manual licence and he didn't even think about it to say he didn't have it. He's just finished the last month of the trial period during the last three months they could fire terminate his employment very easily and I think he wanted to keep a low profile. Apparently if he doesn't pass his test at the end of the month they will put him on a car allowance.

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

Oh that makes me even more annoyed! My OH is very reticent about speaking up. It sounds as though his boss is a total bully and has been saying he should have told them in the interview - insinuating that he had concealed the truth I suppose. He says he is going to talk to them about it now that the trial period is over. It's ridiculous that he actually ends up being down and we run out of money!.

[EXC]

Re: Bluebell's Debt Thread & Hardship Claim

Ok, now we have all the info I just need to clarify the intended purpose of the letter: to get hardship status recognition from Lloyds or to get them to apply for a lift to the stay or both?

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

I'm afraid I'm not sure which option would be the better one. I don't know if this is useful ... might change things a bit is that I used to have a very well paid job (about 6 years ago though now so it is just a distant memory), and as such they allowed me to have a high overdraft limit. I relocated to the SW from London and have never managed to find anything with a similar salary - as such the overdraft wasn't created by their charges at the beginning, it was only later when further charges kept pushing me over the limit that things got out of hand.

[EXC]

Re: Bluebell's Debt Thread & Hardship Claim

No probs Bluebell

[scoobydoo]

Re: Bluebell's Debt Thread & Hardship Claim

Just a quick question - a severe drop in income can maybe be considered to claim hardship to the bank - however was the relocation to the SW forced upon you in some way -or voluntary? I think that may be relevant?

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

Hi Scooby,

The relocation was voluntary (although I had been advised to leave my job by the work doctor as I was under a lot of stress). I told the bank that I was leaving London and asked them for a loan - which they gave me (at the time I thought it was a bit strange as I had left my job) but I think everyone assumed it would be easy to find work and a comfortable income. ha ... ha ... ha

I have tried to move back a couple of times (purely because of finances) but just found it impossibly expensive to make the leap.

[Amethyst]

Re: Bluebell's Debt Thread & Hardship Claim

Hey Blue bell, I have spoken very breifly to CCCS_Matthew and his general opinion is that your partner does need to go bankrupt inorder to stop this debt spiralling even more. It MAY be that you wish to do the same considering your income however once the baby is born you have WFTC, CTC, CB and other benefits to be awarded to you so you will have a small income - although you need that for yourself, and I feel you are in enough of a position to negotiate a DMP and allow creditors to take you to court for a CCJ security for minimal monthly installments - however this could be a lot of stress and you may be better off going to bankruptcy route also. I know you have looked into the consequences of bankruptcy already, and although your partner may have to pay to set his in motion you shouldn't have to.

You need to talk to an insolvency specialist.

The other thing is regarding the reclaims - they won't help with your partners situation debt wise as the one reclaim he has is minmial one.

Your one however may have a decent impact if you use it entirely to pay off some of the debts, and may put you in a better position to negotiate installments for the remainder.

So I do think you should keep pushing for that and start with the letters for arrranging repayments. Your I/E HAS to be just your income, if partner pays rent, bills and food etc out of his income, then make it that he gives you a certain amount each month to pay your share and use that as your income.


That way if in a couple years when little one starts nursery (I know jumping ahead a bit) and you get a fantastic job, you may be in a position to get on the housing ladder etc without the bankruptcy hanging over you.

What do you (or anyone else actually) think?

Remember this is just my opinion and thoughts and I have no training or particularly grand knowledge of bankruptcy etc.

[Bluebell]

Re: Bluebell's Debt Thread & Hardship Claim

Hi Ame, I think that could be a really positive solution. My debts could be manageable on their own, and the info I've been given here has helped me look at lots of different ways to negotiate payment plans etc. My partner's debts are just too huge and it's really affecting him. He doesn't talk about it but since I've been posting on here and questioning him it's started to come out. It would be good if one of us could stay out of bankruptcy so that we might have the option of getting on the housing ladder sometime in the future. Who knows what might happen. Like you say I might get a fantastic job or start up a succesful business which would open up lots of options!

My OH is going to phone ACAS today to get advice on his work and the petrol issue. He's already running out of money and there are 2 weeks left to the month to fork out for petrol. He's going to ask a friend for a loan in order to be able to get to work - which seems crazy.

Thanks for your advice!

[enaid]

Re: Bluebell's Debt Thread & Hardship Claim

Just a little bit of info for you Bluebell, all the very best with this Enaid x

One thing that is becoming more and more vital is the need to show that you have sought professional advice before entering into bankruptcy!
Certainly this is now one of the most frequently asked questions by the District Judge and they can refuse your application for bankruptcy unless you have.
If it is refused you will again have to find the complete set of court fees, which can add even more cost to your bankruptcy petition!!!

You can obtain free and impartial advice from the following organisations, and they will offer you advice to suit your particular circumstances:

PayPlan - http://www.payplan.co.uk

Consumer Credit Counselling Service - http://www.cccs.co.uk

National Debt Line - http://www.nationaldebtline.co.uk

Citizens Advice Bureaux - please make sure you book your appointment with the specialist money advisor as many of the volunteers don’t have the necessary experience and knowledge:

http://www.citizensadvice.org.uk

[EXC]

Re: Bluebell's Debt Thread & Hardship Claim

For what it's worth and I know nothing about debt but I think it would be a very positive move. It will allow Bluebell and her partner to draw a line and have some real protection.

The thought of bringing a baby into the world with the unrelenting stress of fighting debt is not going to do anyone any favours.