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Desperate and in need of help

Sorry this is going to be a long post as I need to explain things and it's very complex. For years before I even knew my current husband I got incapacity benefit, at least 2000. in 2008 I claimed DLA (got middle care, high mobility) as I was getting sicker I met my current husband in 2008 he eventually moved in with me at, he was on the sick from work at this time. He became my carer as I was getting sicker, in and out of hospital constantly and surgeries, also meant he could help look after my 2 kids who are on autistic spectrum etc as their dad didn't bother and I have no one to help nearby.
At some point my incapacity benefit, income support etc was changed to ESA this was at some point between 2008 and 2010 I think. I've always been in the support group I do remember though having to go to job centre for a few interviews but I couldn't work out why neither could the person doing the Interviews. I've also never had assessments for ESA. anyway until last week I just thought everyone who was incapacity benefit got put on income based esa. Forward wind to a month ago.
My husband is my carer, I now get enhanced PIP mobility and care, I can't leave the house on my own, am very ill with quite a few severe things. My mortgage interest relief stopped in March was only £80 a month max but helped. My son is now 19 and starting uni, any money I got for him stopped end of august. My daughter has turned 16, I get DLA for her as she has a lot wrong but at 16 you have to apply for PIP, im her appointee.
My daughter has severe mental health issues as well as physical issues, she is in complete denial about everything and if she even sees she's on autistic spectrum written down or mentioned she denies it but also goes and self harms more so there is no way I'll put her through a f2f assessment so expecting to lose any money for her. At this point we realise we aren't going to be able to pay the bills.
My husband is offered a job, the money is rubbish 360 net a week but possibility of overtime, there will also be 50 a week coming off that for several months for equipment he has to buy through his job. He started a trial on 30th August. A week later decided to stay. I've been trying to phone ESA to tell them then I'll tell tax credits but there's never an answer. So I'm worried I'm going to get into trouble but I have been trying to ring them. I've been on phone an hour at a time just waiting and it's costing me a lot when I don't have the money. All this plus my daughter condition worsening and son and my health are really stressing me and making me sicker. I also have something wrong with my memory, for past few years and have had lots of tests the past 6 months which have confirmed this, I'm now waiting to see a neurologist for confirmation as to what my condition is but it's making all this much harder to deal and very stressful, confusing, my long term memory is, ok short term is horrendous.
Someone from carers has been in touch with someone cos they see I need carers in with my husband no longer being here during day and I'm waiting to hear from adult social services about this. I've done all the benefit calculator things but our situation is so complex with so many different scenarios including UC which doesnt come in until next year at earliest. My 2 main things are my husband doesn't get paid until the end if the month so we will have no income at all. I presume benefits stop straight away, is this correct. is there anyway of getting some money to cover bills and food until his wage comes in.
My son is about to start uni and needs money for travelling, food, equipment etc until his student loan comes in, my daughter has just started 6th form and needs monety for equipment etc and they have brought a new very strict 'dress code 'in and I need to get that it's going to cost at least £200 and I have no income.
Finally I've just found this out with looking into things now because I was on incapacity benefit for years when they transferred me to ESA should I not have gone straight onto contribution based with a income based top up. Have they made an error, how do I rectify this as if I can get contribution based esa it will really help the financial situation. Plus i think im entitled to it. I do know that my NI credits have been paid.
I feel very scared, confused and desperate. I know if ESA have made an error it will be horrendous to get it sorted and can they even change it back to contribution based. Can anyone help, is there anyone who specialises in this sort of thing that can help. please don't say CAB I know some are amazing but ours are rubbish, they gave me wrong info and when i went with friend cos she was splitting from husband they just read stuff off internet and gave her wrong in, think I need someone who specialises in this who could tell me what to do or do it for me because of my memory issues. I'm always such a strong positive person but at the minute I'm crying all the time and whenever I talk on phone I cry. thank you for your help x
At some point my incapacity benefit, income support etc was changed to ESA this was at some point between 2008 and 2010 I think. I've always been in the support group I do remember though having to go to job centre for a few interviews but I couldn't work out why neither could the person doing the Interviews. I've also never had assessments for ESA. anyway until last week I just thought everyone who was incapacity benefit got put on income based esa. Forward wind to a month ago.
My husband is my carer, I now get enhanced PIP mobility and care, I can't leave the house on my own, am very ill with quite a few severe things. My mortgage interest relief stopped in March was only £80 a month max but helped. My son is now 19 and starting uni, any money I got for him stopped end of august. My daughter has turned 16, I get DLA for her as she has a lot wrong but at 16 you have to apply for PIP, im her appointee.
My daughter has severe mental health issues as well as physical issues, she is in complete denial about everything and if she even sees she's on autistic spectrum written down or mentioned she denies it but also goes and self harms more so there is no way I'll put her through a f2f assessment so expecting to lose any money for her. At this point we realise we aren't going to be able to pay the bills.
My husband is offered a job, the money is rubbish 360 net a week but possibility of overtime, there will also be 50 a week coming off that for several months for equipment he has to buy through his job. He started a trial on 30th August. A week later decided to stay. I've been trying to phone ESA to tell them then I'll tell tax credits but there's never an answer. So I'm worried I'm going to get into trouble but I have been trying to ring them. I've been on phone an hour at a time just waiting and it's costing me a lot when I don't have the money. All this plus my daughter condition worsening and son and my health are really stressing me and making me sicker. I also have something wrong with my memory, for past few years and have had lots of tests the past 6 months which have confirmed this, I'm now waiting to see a neurologist for confirmation as to what my condition is but it's making all this much harder to deal and very stressful, confusing, my long term memory is, ok short term is horrendous.
Someone from carers has been in touch with someone cos they see I need carers in with my husband no longer being here during day and I'm waiting to hear from adult social services about this. I've done all the benefit calculator things but our situation is so complex with so many different scenarios including UC which doesnt come in until next year at earliest. My 2 main things are my husband doesn't get paid until the end if the month so we will have no income at all. I presume benefits stop straight away, is this correct. is there anyway of getting some money to cover bills and food until his wage comes in.
My son is about to start uni and needs money for travelling, food, equipment etc until his student loan comes in, my daughter has just started 6th form and needs monety for equipment etc and they have brought a new very strict 'dress code 'in and I need to get that it's going to cost at least £200 and I have no income.
Finally I've just found this out with looking into things now because I was on incapacity benefit for years when they transferred me to ESA should I not have gone straight onto contribution based with a income based top up. Have they made an error, how do I rectify this as if I can get contribution based esa it will really help the financial situation. Plus i think im entitled to it. I do know that my NI credits have been paid.
I feel very scared, confused and desperate. I know if ESA have made an error it will be horrendous to get it sorted and can they even change it back to contribution based. Can anyone help, is there anyone who specialises in this sort of thing that can help. please don't say CAB I know some are amazing but ours are rubbish, they gave me wrong info and when i went with friend cos she was splitting from husband they just read stuff off internet and gave her wrong in, think I need someone who specialises in this who could tell me what to do or do it for me because of my memory issues. I'm always such a strong positive person but at the minute I'm crying all the time and whenever I talk on phone I cry. thank you for your help x
Replies
My son is on AS but does have a job he works one day a week, would do more hours but they aren't available, the fact he copes with this is amazing, he's hoping to get a part time job in the uni.
My daughter is in full time ed and I get both ctc and cb but tgese gave reduces great with my son leaving education.
They contacted me about the mortgage and loan, I turned it down I don't want a loan.
Thank you again for your help x
My contribution based esa has been marked down as starting from 30th.
I now need to phone ctc and get that sorted . I feel a bit better as the CB ESA will make a huge difference.
Just had a phone call from adult social services they are coming to see me tomorrow.
Still dont know how we will cope until end if month but feel a bit better.
Thanks again x