PIP, DLA and AA
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Q12 on PIP form

FranstrahanFranstrahan Member Posts: 898 Pioneering
I can manage money day to day on a superficial level but pretty sure I cant manage the big money decisions or I wouldn't be in the mess I'm in now. I've put that on the form. I know they are only interested in how your condition affects you day to day so not sure what to say further. I didnt have to pay a bill or do anything 'big' with money till I was in my late 30's. I've made a ton of financial errors since then, leading to present circumstances. (Plus the fact never been able to hold down a job). But will they want to know all the financial difficulties of the last 20 years?

Replies

  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    edited February 2020
    Hi,

    No, they won't want to know details of the last 20 years. Whether you'll score any points here will depend what you mean by "you can't manage big money decisions" Not being able to hold down a job won't help your PIP claim because it's not about working.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @poppy123456
    Ok that bit doesnt look good then.

    Sorry for spamming again. The message is confusing because it says website not responding, try again in a few minutes.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    If you could give some more information then someone maybe able to advise you further.

    No worries. It's annoying when trying to start a thread and you keep having the "not responding messages" I have no idea why is does that.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @poppy123456
    It's a bit hard to find words for it. It's not an every day problem so they probably wont count it. I've never sort of felt in control of my own life, always relied on others, which was fine when I had close family but have been misled over things by people since, including money stuff. All down to ASD really, which is another thing I put on the form.


    An example. Close family all gone. Somebody says to me you should have a credit card. Never had one, get one. Not too long 8000 in debt.

    Theres more but suspect that maybe doesnt count for PIP.
  • DaveTheWaspDaveTheWasp Member Posts: 37 Courageous
    I'd focus on information like the credit card. I'm currently preparing an appeal for my wife's PIP renewal, and I'm pretty sure I've read somewhere in case law notes that not having the opportunity to learn about managing a budget, isn't always taken to mean that you can't manage one, and that it shouls be as a direct result of your condition. I'd try to focus on the reasons that you can't currently manage one as a result of your condition, for example any problems with planning or impulse control in relation to spending. Any letters regarding missed bills etc may help too if you have any.

    I hope this makes sense and is of some use, and hope everything goes well with your claim.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @DaveTheWasp
    I think it is more down to my ASD as never been able to hold down a job, so relied on my parents to look after stuff right up till they both had passed away, then in my late thirties. So then had to rely on advice from other people, and things have gone very wrong.
    So my condition I'm sure is the cause. I'm 58, diagnosed last year.
  • woodbinewoodbine Community Co-Production Group Posts: 3,801 Disability Gamechanger
    As I understand it, its about making day to day financial decisions and if you need help to make them, it has little if anything to do with making mistakes or running up credit card debt. Do you need help making such decisions? even if you don't get the help (as daft as that might sound)
    my advice is given freely and is correct to the best of my knowledge.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @woodbine
    @ilovecats
    I think I'm going to forget the whole claim. It's far too complicated, and too hard to explain all this stuff. You're probably right, I wont score points for just keep making mistakes, trusting the wrong people, and being gullible.
    Q11 is my only scorer.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @woodbine
    I suppose I could have done with some help on the major stuff, just nobody around to give it. 
  • mikehughescqmikehughescq Member Posts: 6,002 Disability Gamechanger
    I’m not sure the advice this far I’d especially helpful. 

    Actually budgeting has everything to do with never having done something and the mistakes you make when you do do it. Lots of people, for example, those with sight loss will look like they can budget because they can go to a shop; buy stuff and handle/receive change. They may even be able to accurately count that change but rarely in the shop; under pressure and quickly. Many will just shove it in their pocket, purse or wallet and get the heck out. They will score points on this activity.

    Equally, if your bills are on a direct debit precisely because you can’t cope with the process of receiving a bill and then paying some or all of that out then you will score points on this activity. 

    Ordinarily 20 years of evidence would be irrelevant but if in summary it paints a picture of incapacity as regards budgeting then yes it’s absolutely relevant. They don’t need an essay on it but a half side of A4 summary should suffice. What you airing on; the advice you got etc. which resulted in £8k of debt cannot be anything but directly relevant and again speaks to capacity. Forget about the day to day bit. The language of the form is not the language of the law. 

    The law says that if you can’t do something reliably then you score points. That includes where you can’t do something to a reasonable standard or safely. 
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @mikehughescq
    Ok thank you, that's interesting. Because the credit card debt is just one thing out of several including house sales and purchase. I really could have used some help and advice on these. Thanks Mike
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    I think I should score highly on Q11. Should I maybe not worry too much over Q12 as still having problems with it.
    Thank you.
    Think all I can say for Q12 is never had to run a house or budget for anything in my life till really 15 years ago so struggling now.
  • mikehughescqmikehughescq Member Posts: 6,002 Disability Gamechanger
    If that’s all you say then you won’t score points. Think about paying for stuff in shops and online; dealing with statements; buying large or shall items and so on. Two real world examples of where it went wrong with lots of detail and you’re in business.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    Ok thanks for that, I can think of one that went wrong very recently. 
    Would they contact the store in question to verify everything. I had to go to the CAB in the end for advice.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    No, they don't contact a medical professional very often and they certainly wouldn't contact a shop for anything.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    @poppy123456
    Two recent things I could give are that one then, as I wouldn't want them contacting the store and stirring up trouble again.
    Also the debt I ran up with my old electricity company.
    Thanks Poppy and Mike
  • FranstrahanFranstrahan Member Posts: 898 Pioneering
    Finally think I've completed the PIP forms today. Going to leave them now and read thru tomorrow before posting.
    Thank you to all on this thread who advised me.
    @poppy123456
    @mikehughescq
    And all.
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