(50 Posts)
butane123 Tue 20-Nov-12 09:32:02

hi at the minute me and my my partner are living of his wages alone as were waiting for wtc to come through everytime we ring they find a new problem with the paper work so now its 9 weeks and still nothing of them

this week his wages went n and got snatched by bank charges and then we had to pay council tax they wouldnt wait until we get the payments through of wtc so we had to pay them 98 for the month

so now were in the situation we have not much food in and we have to get until friday so 4 days i have 2.89 to my name to get what we need

in the freezer is just frozen veg
cubpard is 1 tin beans 1 pack noodles ,hot chocolate
fridge is empty my partner needs lunch to take in to work aswell
we cant go to food bank as the one near us u can only go once in 1 month and weve been this month

i just dont no what to do or were to turn any body have any ideas sick of it all cant afford nothing thought we'd be better of with him working but its the opposite at the minute .wtc taking forever everythings just going wrong

any advice im at a loss now dont no what to do xx

Paintyourbox Tue 20-Nov-12 09:38:26

Bless you that sounds really hard.

Lets see what we can come up with. What sort of veg do you have in the freezer?

RudolphLovesoftplay Tue 20-Nov-12 09:39:07

Can u go to social services? I think they give hardship grants still. It seems to me that u literally are going to starve otherwise sad

RudolphLovesoftplay Tue 20-Nov-12 09:40:38

Sorry, that sounded much worse than I intended it to. I just meant that sometimes everybody is down on their luck. Social services will help xx

Crisis loan from DSS?

pawn something until you can afford to buy it back? Can you borrow from someone (if one of my friends asked me I'd happily help as it's such a short term problem)?

Oodthunkit Tue 20-Nov-12 09:42:30

Job centre/CAB or try MPs office re claim.

butane123 Tue 20-Nov-12 09:44:48

i have some brocolli in there ,2 bags of sweetcorn and garden peas

just found some cheesey waffles lirking in there some fish fingers and nuggets so my son will be fed ok its just going to be me and my partner i have a loaf in the freezer to i was in panic mode b4 didnt look properly so breakfasts is taken care off

my sons at school for lunch aswell he has hot dinners so he gets a good meal at school plus snack aswell dont want people to think he will starve its just me and my partner really well i think my son would be ok

i did ring ss at the begining as dwp wouldnt help us but they said they dont do that now as theres food banks so im guessing people can only be in trouble once a month


PuggyMum Tue 20-Nov-12 09:46:21

Do you have friends/family/neighbours who would rustle up a dinner for you?

Also, have you spoken to the bank? If they can refund some charges that would help. Are you going to be charged again? Once charges kick in it can be a vicious cycle. If the bank won't help, ask to speak to someone higher... They will refund something surely?

butane123 Tue 20-Nov-12 09:49:46

no theres only really me and my partner we have a strange family lol and we chose not be involved with al lthe family dramas created by both our familys so no they wont help .and my brothers are younger than me so they wouldnt be able to .

i did speak to them last week and they refused to refund me anything will give them a call now see what thet say xx

butane123 Tue 20-Nov-12 09:50:31

they took charges last week aswell thats why i spoke to them then but will ring now x

butane123 Tue 20-Nov-12 09:53:30

we got refused for a crisis loan i just assumed once you were no longer on benefits you couldnt have one

we litterally have no one to borrow off .going to have a look round now see what i can sell well will do when ive got of the phone there is probably a solution a simple one i just panicked thanks for all the replys and advice xx

PuggyMum Tue 20-Nov-12 09:57:55

Don't ring. Go into the bank and ask to speak to someone. If they won't help ask for the manager / speak to area manager. They need to make the account so you can't go overdrawn and incur more charges. If you are paying charges due to direct debits bouncing etc. Cancel them and call the companies to let them know you are struggling and pay by standing order so you are in control.

butane123 Tue 20-Nov-12 10:01:12

thanks puggy mum .it is a basic account but when they charge us and theres no money in it takes us overdrawn but yet if i asked for an overdraft i get turned down so dont think its fair what they do ,going to nip to the bank now and fingers crossed they help me .will be back on as soon as i can to update on the situation .some one mentioned the mp about our claim for wtc how do i do that and is it worth nipping to cab aswell why im out to see if they can help with the wtc people ? xx

Paintyourbox Tue 20-Nov-12 10:07:02

I have PM'd you

legalalien Tue 20-Nov-12 10:18:56

Might also be worth giving your local councillor a call to see if he has any ideas. Will pm you the number

butane123 Tue 20-Nov-12 10:21:43

thank you legal alien that will be a big help xx

PuggyMum Tue 20-Nov-12 12:26:00

If the bank refuses to help and you are speaking to cab etc. make sure you tell them. I am sure banks have a code of ethics where they are supposed to help people in distress. Check out your banks website and see what it says. Then quote them back. I used to work in a branch and we had more leeway to refund years ago. I'm not sure how it works these days.

Adversecamber Tue 20-Nov-12 12:42:15


See if there is a foodbank in your area, be aware you should be signposted from an agency that holds vouchers such as the Job centre, CAB or a health visitor.

ifso Tue 20-Nov-12 12:57:18

ok. hang in there

chicken nuggets


tin beans

can you for 4 days do:

divide the tin of beans into portions and keep in fridge, have on toast
noodles cooked up with some broccoli
nuggets and peas

can you spend a pound and buy in your nearest tesco if you have one? or cheapo store?:

- go late and see if any markdowns

Oodthunkit Tue 20-Nov-12 13:19:55

adverse she's already said about food bank only dies once a month

jan2013 Tue 20-Nov-12 13:24:20

can you look at local churches and see if they have any free coffee mornings... that way you will get free drink and snack and also you can let the church know you are in need and i like to think they would be able to help you out.

LadyKooKoo Tue 20-Nov-12 13:48:40

If you are in the West Midlands I will bring you some food.

Where are you, I'll bring you some food if you live near me.

cafebistro Tue 20-Nov-12 13:56:05

Where in the country are you ?

LadyMaryChristmas Tue 20-Nov-12 14:00:48

You're all lovely people. The OP, as are most of mumsnet, are just people, strangers on the internet. You know nothing about them, and have no idea if the information you are being given is correct. All you can do is point them in the right direction of help.

Op, please go to the CAB. They will be able to help you. The food banks often bend the rules if there is a real need, so don't worry about going again.

butane123 Tue 20-Nov-12 15:55:04

hi everyone we will have some food tommorow its all sorted now thanks for all the advice my partners rung wtc and our first payment is on 27th of november and there backpaying it all as its there fault its took longer than the 3 weeks smile feel like a huge weight has lifted now thanks everyone xx

legalalien Tue 20-Nov-12 16:31:59

Great news!

ifso Tue 20-Nov-12 17:20:47

fantastic news op, take care x

butane123 Tue 20-Nov-12 17:44:52

thank you everybody for being so kind and helpfull your all lovely people :D xx

butane123 Sat 01-Dec-12 12:19:13

hi everybody thought i would give a quick update working tax credit still hasnt been paid in spoke to some one again yesterday apparantly theres a letter in the post to us and the money will be in our bank they told us the 27 th but apparantly what was actually said was anytime up to 2 weeks after the 27th

child tax credits should be paid in on wednesday so fingers crossed we get that in

really struggling at the moment does anybody no if theres any grants we cant get at all just to help out i guess heatings our most pressing concern i can eek the electricity out been using candles but my house is like an igloo at the moment the gas is on emergency again we only got paid friday but after bills,,school dinners theres nothing left .i think i may move to sunnier climes lol

i dont think working tax credit realise were relying on that money and the backpay to get us through and to sort out the rent with as were now a little behind we just cant pay it .partner gets paid again friday and its going to be the same situation again im panicking incase the gas goes off itsway to cold
any ideas of what we can do xx

CuriousMama Sat 01-Dec-12 12:25:27

What area are you in? Someone on here will bring you food I know it.

Sorry to hear you're being messed around. They make me sick, all smug in their warm houses with fully stocked fridges no doubt. Makes my blood boil angry

Won't any of your friends help out?

butane123 Sat 01-Dec-12 12:38:26

hi im in the northwest .we managed to get a bit of food out of fridays wages the thing is without working tax credits sorting this out housing benefit wont assess us if were entitled to help with rent and council tax so stupid its unreal.i no ive said exactly the same thing im just worrying xmas is getting closer but surely to god it will be sorted by then and crisis loans of the dwp in there eyes its not a crisis as we do get partners wage but its anywere from £150 to £250 a a week and thats only if hes in the 6 days hes on agency so can be told not to come in for as many days as they need to unfortunately he has a great boss who does try and make sure he gets the hours and if theres overtime he now offers it straight to my oh.

sounds mad but we actually dont have many freinds and none that can help us and our family we dont speak to ohs family long story but there horrible people and mine well there in the same boat just about surviving at the moment i guess everyone is in the same boat though atm xx

Kormachameleon Sat 01-Dec-12 12:47:14

Can you not get a job ? I realise that wont help immediately but long term would be much easier and healthier than relying on food banks and tax credits

butane123 Sat 01-Dec-12 12:50:42

i have an interview lined up next week i need a job that fits in around school times .i have applied for countless jobs lately this is the first one ive heard back from .

MustafaCake Sat 01-Dec-12 13:06:00

Do you have anything you could sell on ebay/car boot?

If your son has grown out of any clothes, sell them as bundles. You can also ebay old toys, get a good price as it's near Xmas.

Good luck for your interview!!

butane123 Sat 01-Dec-12 13:13:16

im just about to go through my sons clothes that are to small for him and see what i can put on ebay .

thanks hopefully i get the job xx

Mum2Fergus Sat 01-Dec-12 13:42:31

Whereabouts are you OP?

MsGee Sat 01-Dec-12 13:59:38

Electricity, gas and water companies all have hardship grants so ring them up or check their website.

Have you contacted your mp / councillor? There might be charities giving hardship grants in your area and they should be able to point you in the right direction.

butane123 Sat 01-Dec-12 14:07:04

hi mum2fergus im near to liverpool

and im with eon i did ring them about 2 weeks ago asking for some extre credit on my meter but they said they dont do it any more maybe i should call back and speak to some on different

no havent contacted them yet some one pm'd me the number for my local one a while back but the same day i spoke to tax credits and it appeared to be sorted


LittleTownofBethleHelenMumsnet (MNHQ) Sat 01-Dec-12 23:29:23

Evening. We're just popping in to post our usual warning, as we would on any thread of this kind:

"We do advise all our members to be aware that not everyone on t'internet is who they say they are, and that, although we're awed daily by the astonishing support our members give each other through life's trickier twists and turns, we'd always caution anyone never to give more of themselves to another poster, emotionally or financially, than they can afford to spare."

butane123 Sun 02-Dec-12 11:32:35

well spoke to eon again they said they dont do it and to contact cab and see if im elegible to apply for a hardship grant aparantly united untilities do one aswell .but doesnt help me now as the gas went of this morning its absolutely baltic flaming hate winter !! x

Clothes are likely to sell well on FB selling pages (and there's no fee).

I've raised quick easy cash this way.

Good luck.

noisytoys Sun 02-Dec-12 21:52:45

I used to work for the collections dept at the bank and I know that banks are not allowed to take charges from benefits and are not allowed to take charges where the money left will leave you below the minimum set out by the government as an amount needed to live off (roughly the same as JSA) hope that helps because you can get charges refunded if they were taken from benefits

butane123 Mon 03-Dec-12 09:12:35

still looking through the house if theres anything i can sell cant really find anything at the moment think the problem is my son doesnt have much clothes and when the smaller ones didnt fit him i donated some of them to sure start for some one in a similar position as my self will keep looking though

as for the bank charges ive tried speaking to people but its not out of benefits theyve taken them its out of my partners wage and theyve only ever refunded me twice and then when they did that took a day or 2 but there saying they wont refund any others as there not out of benefits not sure if maybe cab can help me with that ,spoke to tax credits again today and at some point this week it will go in the bank apparantly they cant givre a date .child benefit is due in friday with partners wage .

its come to the point now we have no gas on,and what food we can do in the micro that we bought and toast etc is nearly run out weve not been eating just making sure our son gets enough which is the way it should be cant wait until this is all sorted feel terrible with it all today xx

CAn you speak with a Health Visitor about Food Bank vouchers?

butane123 Tue 04-Dec-12 08:39:18

ive had food bank vouchers a few weeks ago and she was funny about giving us them then .i think maybe we will just have to wait until either that goes in or partners payday friday then i can do a shop n get gas so cold today and i cant stop sneezing lol getting on my nerves foods more or less run out now so its just a case of getting through it all until friday or before if that money goes in .really fed up today

couldnt find anything sell either so thats making it worse i give a lot away to surestart etc not to long ago wish i hadnt now sad xx

3plus2 Wed 12-Dec-12 12:35:34

Its so so hard , I know how you feel , I'm no way near as bad as you as my mum can help me out a bit but she is in the same position!but my bills are now above what I have coming in ! I do have gas but I only put it on in the evening and first thing am , if its too cold inside I dress up warm and go for a march round the block then when I get back I've warmed up and the house feels warmer too !

3plus2 Wed 12-Dec-12 12:38:19

How about an office cleaning job in the evenings? Or is hubby out? Or ask locally or advertise in shops for cleaning for the elderly? They always need help around the home and pay cash even if it a tenner for an hours cleaning , they appreciate the company too , I can't at the mo as have baby at home but I used to do a weekly clean once a week for a lovely lady and that topped up my shopping money.

DancingInTheMoonlight Wed 12-Dec-12 12:51:49

Go to social services. They will top up your gas and electric and give you basic food. Do you have a local salvation army?

butane123 Sat 15-Dec-12 12:12:44

hi everyone sorry not been able to get back on here lost my password :/
ive applied for a care assistant job and cleaning ones have an interview next week with a cleaning firm :D so fingers crossed i get it ,really nervous though .

ive been to social services they wont help i had to ring my suppliers and they agreed to help me for 3 weeks but thats now up

still havent recieved any money from the dwp well sorry recieved one payment of child tax working tax still dragging there heels there saying my oh has to prove who he is so has to go back in the tax office with recent id !! have now got my local mp helping me sort it

really worried about everything christmas just round the corner my ds will have some gifts as some lovely mnetters sent him some bits

food bank vouchers well ive had 3 lots of them since this started and they should only give u one a month i feel awfull going back we do have ohs wage he gets paid weekly thank god but it doesnt stretch once rents paid and tv water etc its gone .

elec and gas help was great at first but we do have to pay that back so im worried about that .and im feeling really bad because i cant even afford to get a tin of chocs in for over xmas and unsure as to what were doing about xmas dinner so if any body has any cheapy cheaty ideas for one then that would be fab


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