Discussion Boards I care for...
PENSIONS AND A.A.
- By lizzie_T
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Thu 10 Apr 2008 03:04
I have just thought of something George's being in hospital put put of my mind. Yesterday I received notice of my pension - up to £63 a week - oh goodee. I was reading the leaflet and now realise that I must give back his pension and Attendance Allowance as he has been in there for weeks.
What shall I do? I am still paying the debts of his care by Social Services and the agencies we used and paid by credit card, so I am not benefitting from it while he is there. What about his pension too? With his pension and AA we get £600 + monthly and I don't know what I shall do as we are up to our overdraft limit. The leaflet says he MAY have to give it up. Any info anyone?
Replies
- By EL
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Re: PENSIONS AND A.A.
Thu 10 Apr 2008 10:03Write a short letter to the CAB stating the facts and ask for an appointment with an adviser to help you decide where you go from there. They will know if your to have benefit stopped or not, they will also tell you of any other benefit you should be getting, 9 times out of 10 they have the relevant forms in office and will fill them in for you. Make sure you take all your paper work ready ie, proof of income/outgoings with you. Asking for an appointment will save you hours of waiting in queue, mark your letter as URGENT. Also see if the Age Concern have any info on your entitlement, someone out there can help but its such a pain, searching for who that someone is. Talk to your bank and ask for your overdraft limit to be increased, im not suggesteing you use it, but it will give you some peace of mind till you sort your self out. Not having funds available in your bank to cover D.D or S.O will earn you a late payment fee, thats all you need on top of all this eh? good luck.
- By EL
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Re: PENSIONS AND A.A.
Thu 10 Apr 2008 10:12Hi again lizzie, just had an after thought! it may be possible for either the CAB or AC, to negotiate with your credit card company to see if they can freeze your interest (for how ever long they are willing to offer) so to help you bring your payments down. Im sure given the full facts they could bend the rules a little, you'll never know unless you ask. Dont ask yourself though, a request like that coming from the CAB or AC may have more clout. xx
- By lizzie_T
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Re: PENSIONS AND A.A.
Sat 12 Apr 2008 18:54Thank you for your help. It is nice when people answer isn't it. One thing which bothers me is that I am younger than George by 19 yrs. Although technically I have more wrong with me, I may well outlive him. If I ask the bank (and I tried that once before) for more overdraft I doubt if I shall get it. If I tell the credit card, it may put the wind up them too. I am more inclined to ask the mortgage lender as lots of people are having problems with the interest rate going up so much. Our house, once the asbestos has been treated or whatever, will probably be the safest on the estate, especially as the Council made us build a radon gas extractor with the extension. I suspect that knowing this is why the neighbour has been in again and moved the fence - dug up some paving stones and leaned them against the wall when I stayed 24/7 beside his bed in the hospital, so any chance of selling it for enough to pay off the mortgage and buy another is becoming less possible. I would have to tell all vewers about him etc by law and I suppose in the end he will win and get it cheap for his son - who viewed last time we had it on, but the old chap the otherside of him died first and their relative had that. It isn't just me. Her sister lives next door to my frien and they have the same problem - her son wants theirs!
Any more advice would be welcome, but I have explored the fence thing and even though the owners backing onto ours know what they have done - one even kindly replaced my panel for me when it was damaged - how that could happen to a panel just 4 years old behind my shed I know not. The courts just won't bother with a little bit!
Has anyone approached their mortgage lender?