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debt and backpayment- help

Georgeg93Georgeg93 Member Posts: 21 Connected
edited September 2018 in PIP, DLA and AA
how fo i stop debt managment taking most of my back dated payment surley thay cant do that bad enough with my mental health issues they want to make me worse i have bills overdue and thibgs i owe they shouldnt be allowd to do that what can i do i am still waiting for my back dated pay they said about 4 weeks need help thanks 


  • Peasmold_01Peasmold_01 Member Posts: 144 Pioneering
    I believe you need to clarify your question. Are you with a debt management company who are paying off a series of creditors for you. Have you entered into an IVA (Individual Voluntary Arrangement) or have you made arrangements with seperate companies regarding outstanding accounts. Do you have control over your own bank account, and are any payments, you currently receive, being paid into that account or a seperate account controlled by a third party. If you can clarify the question, I am sure there are people on this forum who will offer sound advice.
  • Chloe_ScopeChloe_Scope Scope Posts: 10,653 Disability Gamechanger
    Hi @Georgeg93, I am really sorry to hear this. Please could you clarify your situation? That way we will know how to best support you :)

  • Georgeg93Georgeg93 Member Posts: 21 Connected
    its money owed to the dwp from years ago usually we set up payment plans to pay them back but the want to take the full amount wich i really need because i am in debt i owe bills and council tax i said to the debt management that i could set up payment plan with them and they can take money of my universal credit benifit each month the debt management work for the DWP
  • mikehughescqmikehughescq Member Posts: 6,243 Disability Gamechanger
    Debt management are a mess and rude to boot. They cannot take the arrears as a lump sum but they will try. Have you ever challenged the recoverability?
  • Georgeg93Georgeg93 Member Posts: 21 Connected
    i phoned them tonight they said i have to wait till they recieve the backdated payment then the system takes of what i owe automatically then i would need to ring them up and ask for a refund but i said by that time it will be too late i need all the money because off all the debt im in due to my pip being stopped im meeting my rep tomorrow to send a letter stating my circumstances but they said they wont keep the letter because they haven't recieved the payment yet i said im happy to set up a payment plan with them to recover the debt but they can take it of my universal credit like they usually do they dont understand the amount of debt im in and im counting ob the backdated payment to clear it i owe council tax and other things keep getting debt recovery agency letters through my door wich makes my mental health a lot worse adds to my stress and anxiaty and the debt management from dwp wont take my mental health into account 
  • mikehughescqmikehughescq Member Posts: 6,243 Disability Gamechanger
    You should be classified as vulnerable for CT purposes so you can prevent that going near a bailiff. 
  • Georgeg93Georgeg93 Member Posts: 21 Connected
    dont know what to do all there intreasted in is recouvering the mony for the dwp
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