The advice thread for random problems #7

[becca7721]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

 

[BettyRose]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

Would you be able to contact Citizens Advice? Obviously not at midnight but in the morning?

 

[becca7721]

Would you be able to contact Citizens Advice? Obviously not at midnight but in the morning?

They're closed. Next appointment is March. Sorry I forgot to mention that! The helpline just books appointments for CAB no actual advice.
ETA Thankyou!!

PS I’m not looking to commit fraud here, it was clearly left to me for this reason.

 

[avabella]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

Would the money pay off the amount of debt you owe? I'm confused what it is that is the main concern - it seems like this money would actually be hugely beneficial to you?

 

[Serene Serena]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

Can you set up another bank account just for this money? I set up a Revolut account for something similar, it’s all done online. Then have the inheritance paid into that account.

 

[Captainmouse]

Can the executor help?

 

[Chocolategoggler]

I’ve never heard of it peeling before?!? I would get a ceramic one but it might be cheaper to buy a new slow cooker

I have a non stick one and a ceramic one. The ceramic one has been fine, but you've now made me think the non stick one will probably get damaged, especially as it has a saute function, so things will probably get burnt on.

 

[Snippysnips]

I have a non stick one and a ceramic one. The ceramic one has been fine, but you've now made me think the non stick one will probably get damaged, especially as it has a saute function, so things will probably get burnt on.

I had thought I had a non stick one but now am wondering if maybe it wasn't, I can't even think how it would have happened either, there's always been more than enough liquid in it so it's not like things have burned to it

 

[Serene Serena]

Can the executor help?

I wonder if the executor can pay the debts on behalf of @becca7721, seeing as the money has been left for her to do just this?

 

[chickhicks86]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

Who is "them" and what do you actually need advice with? Why do you not want the money taken for your debts if that was the intended use? I don't really underestand what you're asking...

 

[RocksOff]

A relative died and left me money. Ive debts I must use it to pay, hence them leaving it to me, e.g. landlord/credit cards/energy/money towards being evicted. It’s for £7,500. I cant get any advice before March and honestly I don’t trust them as they set up my UC and stole from me, handing my claim around the office and allowing strangers to attend jobcentre “on my behalf”, police wouldn’t help as they had a consent form signed by me saying they could contact anyone, I just didn’t know that meant anyone, including volunteers of the organisation could claim to be me. The transition to UC I trusted them with they screwed up And I cannot access my account because it was set up by them.

I am banned from jobcentre because they triggered PTSD attack, and find dealing with me “too upsetting”.

I don’t know what to do, yes I’ve only just been formally contacted, at gone midnight.. everything is closed tomorrow due to weather.

Ive no gp, no social worker, no one now.

The money can’t go to anywhere else except my main account and it’ll all be taken immediately for debt, and end my small amount of ESA (CB) around and UC (I get around £300 a month for everything). I can’t stop it being taken. I’m being taken to court for non payment of debt and have fines for not paying, because the apps don’t work and the helplines are AI. I feel awful now for even telling.

Im going to end up with nothing at all and I’m terrified.

I'm not sure either what advice you want
Unfortunately if you owe money, they must be repaid
I get cross when most of my wages go towards bills, but that's life

 

[becca7721]

Sorry I’m not well so not explaining properly.

Would the DWP allow me to use the money for debts if the will doesn’t say that’s what it’s for? All it says is “reflection of love”, or would I be expected to live on the money?

Im not trying to not pay my debts, the opposite, trying to show willing and reduce them. Just really unwell, being bullied by my family, without any help and not good with words. Sorry.

 

[becca7721]

Who is "them" and what do you actually need advice with? Why do you not want the money taken for your debts if that was the intended use? I don't really underestand what you're asking...

Them is the charity support workers. I do want the money use for debts! Im worried the DWP will say I must live on it instead and it will already be gone.

 

[RocksOff]

Oh I see
Can you open an online banking account and have it paid into there and then pay those that you owe?

Have just read that you can use inheritance to pay off debts without it affecting your universal credit , Shelter Website, Have a look

 

[becca7721]

Oh I see
Can you open an online banking account and have it paid into there and then pay those that you owe?

I’m worried it might be fraud? I’ve been accused repeatedly and it stays on your file, even when innocent, took months for me to get UC payment due to repeated checks for fraud being done. I’m still paying back money THEY (DWP) overpaid me due to THEIR mistake at 20% of total amount I was allowed with transition protection.

I hope that makes sense!

 

[chickhicks86]

Them is the charity support workers. I do want the money use for debts! Im worried the DWP will say I must live on it instead and it will already be gone.

In that case you wont have a problem as long as you have clear evidence that you have used the money to pay debts. You will have to declare the amount when it enters your account, and again when it has gone.

 

[becca7721]

My intention was/is the following:

£2000 to credit card (puts my account at £4000)
Clear second credit card - £300
£1000 to electric company (doesn’t clear debt but WILL prevent being forced to have prepayment set at hundreds a month)
£900 to water (clears debt, stops collecting people - bailiffs?)
£750 rent arrears (clears arrears)

Shelter advised it’s hundreds (around £500 they thought) to be evicted by court/bailiffs, so some kept back for that.
I need splints replaced (can’t get to nhs clinic in Cardiff) so that works out about £900 (possibly more now not bought any in a long time).

Remainder could possibly be used to pay rent in full for remaining weeks I have a home and help with that situation.

Its not enough to get to medical appointments (ambulance transport here is horrendously unreliable (I can no longer get into a car or use bus) and private runs to thousands - more than I thought).

So, it won’t clear the debts totally, but will reduce them by a lot, and get my accounts being responsibly lending again (that’s not the right phrase!)

 

[RocksOff]

I’m worried it might be fraud? I’ve been accused repeatedly and it stays on your file, even when innocent, took months for me to get UC payment due to repeated checks for fraud being done. I’m still paying back money THEY (DWP) overpaid me due to THEIR mistake at 20% of total amount I was allowed with transition protection.

I hope that makes sense!

I'd had a quick look at the Shelter website and you can use inheritance to pay off debts, Have a look
I can appreciate that you are worried about fraud.

 

[Serene Serena]

@becca7721 have you had a look at the MoneySavers Expert forum? If you post your difficulties there, you may find you get a lot of useful advice going forward.

 

[becca7721]

In that case you wont have a problem as long as you have clear evidence that you have used the money to pay debts. You will have to declare the amount when it enters your account, and again when it has gone.

Thankyou.

I thought I’d pop to Jobcentre to let them know whats happening, roughly when, “executor saying few days or weeks” and then list where it’s going. It’s going to help me a lot, I’ll still be in debt but it’ll stop the letters/visits. The email has legal jargon of what it is “bequest from house of x” sort of thing, they won’t send letter and I've no printer, I assume that wording will mean something to them?

In case anyone ever wants to leave me anything ever again I’m going to advise a trust, which apparently is the right way to go about these things and is legal. I mean it’s more likely I’ll grow wings and fly away but I never expected this either!

Im sorry for confusing you all. I am VERY grateful. Everything is still shut here due to weather and havent slept. Not helped by my family turning on me for not having already sorted it out, stopping their money etc. Tattle gets a lot of grief but honestly I find it so very helpful.