I had 5 weeks off work sick and now they won't let me go back.
They haven't paid me any company sick pay I'm entitled to.
My household outgoings are around £1200.
My last monthly pay was £265.
I had to go for a medical today so work could see if I was ok to return or not, A manager had to be there with me, they didn't send anyone til half hr late so the appt was missed.
It's now scheduled for 3rd Oct!!
No way of getting back to work before going for the medical.
I'm in debt so there's no spare cash to pay rent or bills and my credit rating is shot so can't borrow anything.
They're trying to make out I'm not safe to do my job due to mental illness - I know if they actually say that I've got a case, but they won't incriminate themselves to that level.
This stress is not helping the mental illness.
I'm stuck.¬ ¬ I had 5 weeks off work sick and now they won't let me go back.¬ ¬ They haven't paid me any company sick pay I'm entitled to.¬ My household outgoings are around £1200.¬ My last monthly pay was £265.¬ ¬ I had to go for a medical today so work could see if I was ok to return or not, A manager had to be there with me, they didn't send anyone til half hr late so the appt was missed.¬ It's now scheduled for 3rd Oct!!¬ No way of getting back to work before going for the medical.¬ ¬ I'm in debt so there's no spare cash to pay rent or bills and my credit rating is shot so can't borrow anything.¬ ¬ They're trying to make out I'm not safe to do my job due to mental illness - I know if they actually say that I've got a case, but they won't incriminate themselves to that level.
why hasn't anyone else replied to this? c'mon people! I know I'm a good helper but our girl needs some advice!
how are you doing JN by the way? have you got any doctors to talk about this? there must be some law protecting you in your case. a psychiatrist would know what you should do.
and no matter what the outcome is, you need to take care of yourself.
if you get well, you'll find another job. but you won't find another JN.
oh, and as I said before, keep us updated.
I can try to sympathise, but have never had the pressure of debt, so disinclined to offer bum advice.
That's the last post I've seen regarding your finances, which was around 6mons ago. You were saving bankruptcy for a last resort because of the new job you had been going for. Betwixt now and then, has your total debt grown?
Per my understanding, you didn't really get yourself into this situation through financial misconduct nor faineance, you were swindled. Do you believe it will be easier to resume the current path? How many of your concerns would you say might be attributed or related to it?
(Kinda reminded of a short story, the necklace by guy de maupassant, if you've read it.)
I'm not doing too well tbh.
I can't deal with stress or change.
I just want to try to return to my usual routine now, or at least I did, this has set me back.
My psychiatrist is useless.
I've had regular appointments with my GP whom is trying to help.
Yeti, having looked into it, bankrupsy doesn't seem like it would work as it's for wiping loans and credit card debt.
I'm now unable to pay rent, bills etc but bankrupsy can't help that.
I'd have to lose my car that I need to go bankrupt.
I was trying to follow a debt management plan set up by an advisor, but I still wasn't quite making it.
Now I've gone this month with no wage, and last month missing near half I'm screwed.
I don't live an extravagant lifestyle, there's nowhere really I can cut back from than I haven't already, even the debt advisor agreed with that.
It’s my limited understanding that filing for bankruptcy will generally leave you with any essential assets, which includes transportation to/from work- unless there is a cheaper reasonable alternative. Not sure if it’s different on your side of the pond.
I grew up in a family of debt- single mother of 4, who got a big fat pile of debt dumped in her lap to no accord of her. She filed bankruptcy, but has still been making payments to the IRS for 15 years. It’s tough, but it’s doable. She lived with PTSD and still managed to jump between jobs and keep a house over her kids heads. The government gave assistance when it came to food a bit, are there similar assistance programs over there you can apply for?
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If your car is worth more than £1000 You will lose it.
If I was sacked from work I could maybe get help, but I haven't been, I still HAVE a job, they just won't let me go back and do it.
If I quit my job I can't get any help.
Not sure if I could get any help with rent as I'm in a private house, not council.
On paper I'm on a decent wage, but in reality I'm making nothing.
I'm struggling massively to get my mind to try to focus on this, but my mind isn't functioning properly.
I need to bury my head in the sand and not deal with anything while I wait for the new meds to really take hold and my brain to level out a bit.
This is really not helping.
If I win the lotto I will send some your way.
I’m sorry I ca t help more.
Ok.. might be able to help a little here...
Your first port of call should be the citizens advice buearu, as they can help with dealing with creditors and getting any payments to them down considerably. I used to work there many years ago and it was common enough to get your payments down to maybe £10 per month - in total..
Now - you can do this yourself if you are up to it - you need to write to each of the people that you owe money too, explain your situation and offer them a payment. Even if they don't take it pay something - even £1 per month, because a court won't increase it if its reasonable based on your finances.
Right - onto work.
SSP is mandated legally in the uk, but its a ****shit wage - £90ish per week, but they cannot withhold this unless you have not given them a sick note. If they try go and have a chat with ACAS to begin with (0300 123 1100 for London, but google them - there are closer branches). They will give you the right people to talk to, but I think its the DWP and obudsmen which is the next step, and you could possibly take your work to court for this, under constructive dismissal.
You can get benefits - thats a another trip to the CAB (citizens advice) because they will tell you exactly what benefits you can get, and how. I would say based on what you've said you should get a minimium of a tax credit, worth something and every little will help. There may be more depending on your own personal circumstances, such as help with rent, as you renting privately changes the field, but doesn't eliminate it. Ask CAB, and they can help.
So.. on monday - give your local CAB a call and make an appointment.
And good luck! - Stick in there and don't give up! You've got this <3
i dont deal well with stress or change. it is hard because i cant keep letting my comfort zone get smaller and smaller or else i will drive my self crazy living alone in my house. i belong to a fellowship (AA) which really is good for me as it gets me out of my house in a community of people who are just as messy as me. i get to hear ideas outside of my own thinking that is not directed straight at me so often it is easier to hear. Any chance you could join a self help group or something similar ?
I'm pretty much ******fucked whatever the outcome now.
My company is so corrupt and dishonest.
They've lied and cheated at every step, I've provided evidence , but they're still winning.
This last few days I've just been ignoring it, I've had to for my sanity.
There's no outcome where things will be ok now
Not true - Get ACAS involved because with those guys you stand a decent chance of suing the crap out of them. a union may help too - talk to UNISON.
Don't give up - either make an active move way - or against, because the status quo might be easier for your sanity in the short term, but will screw you in the long term (believe me, i know...)
You are right in that you can't win on your own, but bring the big guys in, and have a better shot... I'm not saying it will be easy, but it IS possible to win.
I've been back at work 2 weeks.
The doc at the medical they arranged said that I was ok to go back as long as I was still taking medication.
Its been hard being back, I was off for 10 weeks in total.
I'm working 72 hrs a week trying to make back some money, it's a battle I will never win tho, the financial damage is too great.
Mentally I'm struggling being back, I'm having to avoid full conversations with people as I just can't play my part.
The anti psychotic meds I started on whilst on sick have been quadrupled from the starting dose, they are helping a bit but everything is still a huge struggle.
I was ditched by the psychiatrist just before I had the breakdown.
I saw my doctor on thur and he said he would contact them and try to set up some support.
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