It just gets worse-Debt problems are causing great stress.

[Mr lex]

Hi NWJ,

 

You are getting great advice here. I think, if you can, you should try and sit down with your husband while you write out your DCA list. It might help bring the proplems you are facing on your own at the moment, to his full attention.

 

Thinking of you,

 

Lex

[Mr lex]

The hardship case seemed so difficult because I am feeling worn out with it all, I know its common sense to follow it through, I need to be spurred on, I will be asking for a lot of help over the next few days, if thats ok.

 

And we will be there when you need us.

[Mr lex]

Thanks for passing on that insite BB, I'm sure that it will help several users.

 

Well done making such a good start NWJ, It won't be long before you start to feel more in control. It does take time, but it will get better. Lots of us here have been there.

 

Lex

[Mr lex]

You just get a good nights sleep, someone will be here when you need us

[Mr lex]

Hiya NWJ,

 

I just popped in to see how you got on with the Tax Credit people ??

 

Im ok, no nasty letters this morning, for a change, in fact I had a letter from my employer, (local authority), it seems that I might be eligible for an increase in my hourly pay, my grade and pay scale is due to be restructured in line with the equal pay to male employees within the council, about bloody time too. So it should be good news.

 

 

Fingers crossed there then, seeing how they brought it up, you must be due and a bit of back pay as well maybe

[Mr lex]

Hi NWJ,

 

Re. Tax Credits, somehow I don't think you would come away with less!!

 

Hopeful1 gave you a good link here, give it a go.

 

 

This site is useful for trying to ascertain which benefits you are entitled to: Start Calculation but because your situation is slightly complex, it would probably be a good idea to ring the national debt-line: http://www.nationaldebtline.co.uk/england_wales/" FREE CONFIDENTIAL and INDEPENDENT ADVICE.

 

Have fun with the I/E spreadsheet, give me a shout on that thread if you get stuck.

 

Lex

[Mr lex]

I can remember getting the steamer boat to take us over to Weston

Ooo, was that the 'Westward Ho' if so it's now a night club in Manchester !

 

Well done NWJ, I hope you have a great weekend, I have a son in the RAF, it's always good to see him home for a few days.

 

Lex

[Mr lex]

I just thought this would amuse you.

 

Dogs V People.

 

Dogs do not have problems expressing affection in public.

Dogs miss you when you're gone.

You never wonder whether your dog is good enough for you.

Dogs understand what "no" means.

Dogs feel guilt when they've done something wrong.

Dogs don't brag about who they've slept with.

Dogs don't criticize your friends.

Dogs admit when they're jealous.

Dogs do not play games with you—except fetch. And dogs never laugh at how you throw.

Dogs are happy with any video you choose to rent, because they know the most important thing is that you're together.

Dogs don't feel threatened by your intelligence.

You can train a dog.

Dogs are already in touch with their inner puppies.

You are never suspicious of your dog's dreams.

Gorgeous dogs don't know they're gorgeous.

The worst social disease you can get from dogs is fleas.

Dogs don't make a practice of killing members of their own species.

Dogs understand if some of their friends can't come inside.

Dogs think you are a culinary genius.

You can force a dog to take a bath.

Dogs don't correct your stories.

Middle-aged dogs don't feel the need to abandon you for a younger owner.

Dogs don't mind if you do all the driving.

Dogs don't step on the imaginary brake.

Dogs do not care whether you shave your legs.

Dogs aren't threatened if you earn more than they do.

Dogs mean it when they kiss you.

Dogs are nice to your relatives.

 

Sorry to high jack, but I thought it might bring a smile

 

Lex