Re: Bluebell's Debt Thread & Hardship Claim
Thank you for your email which I have received today.
I have today spoken to an advisor at the National Debtline and I have explained my situation in detail. They have advised me to write to you and ask you to reconsider your decision with regard to my repayments.
I do not deny that I have made several agreements with the Revenues Team, but I have never refused to pay. I have just been unable to pay. There is a world of difference between the two.
I admit that I seriously overestimated my earnings (as you know I am self employed).
Each time I spoke to a member of the Revenues Team I truly believed my situation would change and that I would be able to afford the payments. I did not make the arrangement in the knowledge that I was unable to pay.
I am treating this situation extremely seriously and I would like to offer some explanation as to how this situation has arisen.
At the end of last year I suffered quite badly from morning sickness and was frequently unable to work. My partner then found himself without work throughout the whole of January. At the end of January we were given 2 months notice to leave our home. Trying to find a property for us and a new baby therefore took priority and unfortunately the arrangement to pay slipped.
I am hopeful that my situation is finally turning for the better, my partner has now found a permanent full time job which has eased our situation greatly.
The National Debtline advisor also recommended that I ask you to review my situation with regard to Council Tax benefit. I made a claim for both Council Tax benefit and Housing benefit and although I was given some Housing benefit, the Council Tax benefit was refused.
Given that my earnings were so low might there be a possibility that there was an error made?
In light of the above, I would be grateful if you would reconsider your decision.
I look forward to your reply.
Thank you for your email which I have received today.
I have today spoken to an advisor at the National Debtline and I have explained my situation in detail. They have advised me to write to you and ask you to reconsider your decision with regard to my repayments.
I do not deny that I have made several agreements with the Revenues Team, but I have never refused to pay. I have just been unable to pay. There is a world of difference between the two.
I admit that I seriously overestimated my earnings (as you know I am self employed).
Each time I spoke to a member of the Revenues Team I truly believed my situation would change and that I would be able to afford the payments. I did not make the arrangement in the knowledge that I was unable to pay.
I am treating this situation extremely seriously and I would like to offer some explanation as to how this situation has arisen.
At the end of last year I suffered quite badly from morning sickness and was frequently unable to work. My partner then found himself without work throughout the whole of January. At the end of January we were given 2 months notice to leave our home. Trying to find a property for us and a new baby therefore took priority and unfortunately the arrangement to pay slipped.
I am hopeful that my situation is finally turning for the better, my partner has now found a permanent full time job which has eased our situation greatly.
The National Debtline advisor also recommended that I ask you to review my situation with regard to Council Tax benefit. I made a claim for both Council Tax benefit and Housing benefit and although I was given some Housing benefit, the Council Tax benefit was refused.
Given that my earnings were so low might there be a possibility that there was an error made?
In light of the above, I would be grateful if you would reconsider your decision.
I look forward to your reply.
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