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DWP have been in contact with me recently saying that I owe £1020 from old social/crisis loans from 2009 - 2011. I informed them that I am currently unemployed, was kicked off my lifetime-awarded DLA (severe mental health) and have zero income so they immediately forwarded it on to CCS Collect DCA. My partner works on average 20-25 hours a week, and I stay at home looking after our daughter and I'm not that keen on my partner paying for my debts as that is the only money coming into the house and it's not a lot. She is worried that CCS will come knocking, barge their way in and start taking things that belong to her, which is more or less everything minus my PC, the car we use to get our child to school and partner to work and the few tools I used when I was working a few years back. I have already informed CCS that I suffer from severe mental health issues and I am awaiting a call from their vulnerable persons team.
Is there anything I can tell CCS or DWP to either hold off this debt or wipe it? I have read that wiping is possible on medical grounds, but only on rare circumstances. It doesn't bother me either way, as long as I can stop them knocking. I suffer from severe anxiety and depression and recently my newly appointed psychiatrist thinks I still suffer greatly from my ADHD I had as a child which has remained un-medicated for the past 16/17 years. This will soon change once my local doctor gets the go-ahead from him to put me back on an alternative to Ritalin medication. (can't remember what he called it as my memory is uber-shocking) I am basically a hermit (unless I HAVE to go out) and hate all kinds of human interaction. Even from my own family, partner and 2 year old daughter. It varies from day to day. Sometimes I am fine and can function correctly, but an optimistic 95% of the time, I lack all motivation to even keep up with my hygiene, house work or even eat. If CCS came knocking, I would either hide away and panic until they go or if they repeatedly knock and bully their way in like some DCA do, I would be in jail by the end of the night for murder as home is the only place I can feel safe and relaxed. I don't want either thing to happen as I am currently trying to get my mental health problems in a better state to actually function as a regular human being and the stress of a DCA kicking my door in would knock me back if not make everything worse. I plan on paying it off once I go back to work, but that won't happen until I can sort out my mental health, get back on track and when my daughter starts school full time next year.
My girlfriend wants to pay them £5 a month if they agree to it to stop any action, but I don't want her to pay for my problems. Any help you guys/gals can give would be awesome. I know I can get some info and help from CAB, but I would rather avoid getting them involved if I don't have to.
Is there anything I can tell CCS or DWP to either hold off this debt or wipe it? I have read that wiping is possible on medical grounds, but only on rare circumstances. It doesn't bother me either way, as long as I can stop them knocking. I suffer from severe anxiety and depression and recently my newly appointed psychiatrist thinks I still suffer greatly from my ADHD I had as a child which has remained un-medicated for the past 16/17 years. This will soon change once my local doctor gets the go-ahead from him to put me back on an alternative to Ritalin medication. (can't remember what he called it as my memory is uber-shocking) I am basically a hermit (unless I HAVE to go out) and hate all kinds of human interaction. Even from my own family, partner and 2 year old daughter. It varies from day to day. Sometimes I am fine and can function correctly, but an optimistic 95% of the time, I lack all motivation to even keep up with my hygiene, house work or even eat. If CCS came knocking, I would either hide away and panic until they go or if they repeatedly knock and bully their way in like some DCA do, I would be in jail by the end of the night for murder as home is the only place I can feel safe and relaxed. I don't want either thing to happen as I am currently trying to get my mental health problems in a better state to actually function as a regular human being and the stress of a DCA kicking my door in would knock me back if not make everything worse. I plan on paying it off once I go back to work, but that won't happen until I can sort out my mental health, get back on track and when my daughter starts school full time next year.
My girlfriend wants to pay them £5 a month if they agree to it to stop any action, but I don't want her to pay for my problems. Any help you guys/gals can give would be awesome. I know I can get some info and help from CAB, but I would rather avoid getting them involved if I don't have to.
xx
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