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live changing situation- Help Please

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After being stitched up and requiring MP to intervene with DWP and Local NHS who were at best described as malicious and extremely manipulative failing to recognise NHS specialist's letters I was housebound and ill.

 

I've been told I have fibromyalgia symptoms and the carrier bag full of prescription medicines have over time brought my strengh back and I can get out and about.

I still suffer times of chronic fatigue and need to sleep 2 or 3 hours at short notice- extremely frustrating.

 

The issue I have is a parent passed away and I believe from what I'm told I will recieve some money- how much I'm not sure.

 

I believe my direct payments will cease and obviously any current entitlement, I'm kind of shell shocked as to what to do.

 

There is a Disabled rights charity locally or citizens advice- both I have concerns will drop me in it / trust issues.

 

Currently I haven't received a penny from solicitors and find talking with them difficult.

I'm led to believe that they have disposed of property assets of my parent with executors of will-

I just need someone impartial to talk to?

I'm unsure of amount liable to be given to me- but think property type value as talk of buying my own place off landlord a possibility.

 

I'm neither well enough to work and I find stress makes me ill- HELP PLEASE the inheritance just complicates my life.

 

If I become asset rich and cash poor- what do I live on?

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After being stitched up and requiring MP to intervene with DWP and Local NHS who were at best described as malicious and extremely manipulative failing to recognise NHS specialist's letters I was housebound and ill.

I can well believe it. Stitching up is almost endemic in organisations like that. They do it to protect themselves. They did it with me too, and the lengths that they go to in their dishonesty are staggering.


I've been told I have fibromyalgia symptoms and the carrier bag full of prescription medicines have over time brought my strengh back and I can get out and about.
I still suffer times of chronic fatigue and need to sleep 2 or 3 hours at short notice- extremely frustrating.
My brother (who died in his 40s ten years ago) suffered from fibromyalgia for years, and I'm 100% certain he was on the autism spectrum. The more I read up on this, the more I see a correlation between the two. Sadly we were never diagnosed, but I was (at last) only a few days ago.

The issue I have is a parent passed away and I believe from what I'm told I will recieve some money- how much I'm not sure.

The loss of my mother in 2012 triggered off an avalanche of problems, most of which are money-related (see my 'Desperate' thread). Unlike you, I've never received any state benefits.

Currently I haven't received a penny from solicitors and find talking with them difficult.

I was last to receive any money from them - after many months of suffering living off extremely little. I found them more than difficult, and currently I have a string of complaints being processed by the legal ombudsman.

I'm led to believe that they have disposed of property assets of my parent with executors of will-
I just need someone impartial to talk to?
I'm pretty useless in understanding legal stuff, so I can't really help there. You need an advocate to speak for you. I eventually got one, but it wasn't easy, and due to my executive dysfunction I still don't understand half he says, and quickly forget most of the rest. I find his long visits very stressful, and need the next day to recuperate. Having said that, he has been able to help when dealing with scary officials - something I daren't even attempt.

I'm unsure of amount liable to be given to me- but think property type value as talk of buying my own place off landlord a possibility.
Haven't you even seen the will? I saw it very soon after my mother died, but I needed help in understanding it. Surely you have a right to see it.

I'm neither well enough to work and I find stress makes me ill.
Same here. That's why I joined this forum. I was desperate, confused and very worried.
HELP PLEASE the inheritance just complicates my life.

As it did to me. I simply can't handle it - for many reasons. I'm not used to dealing with money, and the whole idea scares me.

If I become asset rich and cash poor- what do I live on?
I kept on hearing that phrase, and for ages I didn't understand what it meant. To me assets will always be useful talents and skills. At present I've no idea what I can afford or how much money I have in the bank. It's just too stressful to think about. I never open bank letters, bills or anything official looking, and I shake whenever the post arrives.

Luckily, at last, I've managed to find an organisation that will help me with all this. I'm hoping things will start to improve now. It was very difficult getting this to happen, but you can read the details in that 'desperate' thread.
I'm sorry I can't help you any more. I hope others here will be able to. :)

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I have seen the will, it's complicated as multiple gifts to family members in percentages with rest split between my brother and myself after some sort of loan repayment/mortgage payment.

 

My landlord was very understanding when DWP did their very best to make me homeless, I think if I could afford to buy where I live this would be smart move.

 

The bit I haven't got and really need is a final figure before I recieve it- nothing would please me more than to have private means and tell DWP to go fourth.

 

I think the advocate idea may be an excellent one, as I want to find out without feeling I'm being rail roaded.

 

I too suffer from letter,communications that take for ever to get opened- I put the bills on direct debit as it's easiest way to sort without outside intervention.

 

My main worry is disengagement from DWP, though with my brother currently and he suggests MP again if DWP start their usual behaviour.

Edited by stuffed

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I think you need to find an advocate.

Then you need to find out what amount of money you could be receiving.

Then you need advice from specialist accountany firm that deal with Tax issues and advice, and who have some understanding of the benefits system.

 

As far as I understand it, any savings above a certain amount mean that you would cease to receive any benefits until your savings fall below a certain level.

 

So you need to think about what you want to do with the money you could receive. Buying some propery, or investing it somewhere where it will NOT affect your benefits is what you are looking for.

 

Otherwise the money you receive will slowly be eaten into until you are back to square one, with no money and seeking support again.

 

Think carefully about whether to buy where you live. What is the accommodation like. What is the area like. Can you see yourself living there into old age ie. are there stairs you might not be able to manage etc.

 

Is there a more modern type of property, maybe with a warden service, that would be more appropriate?

 

As far as I know [which is not extensive]. Any money in a bank account is seen as 'earnings', so money over £8,000 savings may mean a stop of benefits until that money falls below £8,000. However the SAME amount of money in an ISA is not seen as 'earnings'. So you would continue to receive benefits UNTIL you cashed in that ISA and that money moved into your bank account.

 

THEN the best way to use that money is to think about what you need or want to buy BEFORE you cash in the ISA. So that when you get the money from the ISA you spend it immediately on the things you need/want, so that it does not affect your benefits. Again, an accountant that specialises in tax issues is what you want. Especially if they have experience of working with disabled clients and/or those on benefits.

 

So what you are aiming for is maybe to buy a property in your name? Then invest the rest so it is not seen as earnings. But be able to cash in that money in amounts that will not affect your benefits, or in larger amounts that you spend immediately so that it again does not affect your benefits.

 

Hope the above is useful and easy to understand??

 

I also have Fibromyalgia, so I know how bad that can make you feel. Try to keep yourself as healthy as possible. Stress does not help. And try to get a good nights sleep and some exercise daily.

Edited by Sally44

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Thank you, I will proceed with caution and there is a local advocacy organisation I have had help from in past.

Hopefully I can find out what I'm due to receive and get advice before I recieve it.

I find change difficult and a bit overwhelming.

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My brother has been dealing with solicitors and I have simply left them to get on with it until I know what I may get.

 

I'm looking forward to telling DWP to go and jump,in fact nothing would give me greater pleasure than to do so right now.

 

It appears that I will be able to buy my property off landlord for a reasonable price

(solicitors would sort that)

 

I'm just not sure how to proceed as serveral hundred thousand at some point, would a rental property with tennant management agent give me a reasonable income?

 

I'm not keen on stock market investments as I see it as gambling with fees and loss of capital.

 

I'm still feeling a journey into unknown, I'm not really sure what income I currently have and have direct debits for bills.

 

My family seem to see this as a positive situation, but as adverse to change- I'm not so sure.

 

Guess I really should get some more info, just still feeling shell shocked.

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I'm just not sure how to proceed as serveral hundred thousand at some point, would a rental property with tennant management agent give me a reasonable income?

 

Yes, I'm doing that with a house. It's my only income. The agent only charges 10%.

I'm not keen on stock market investments as I see it as gambling with fees and loss of capital.

 

Nor me. My principles come first. The stock market represents everything I am not. I see it as grossly unethical, a symptom of a dysfunctional NT world.

I'm still feeling a journey into unknown, I'm not really sure what income I have...

 

Same here, and nor do I care - as long as I have enough to live off, and that's where my support worker comes in. Like you I fear the unknown - and I'm very wary of people.

My family seem to see this as a positive situation, but as adverse to change- I'm not so sure.

 

They would, but they need to see it from your point of view. I stick to my routines and live exactly as I did before my mother died. It makes me feel safe and secure.

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I've spoken to the solicitors and while they seem keen to offload my inheritance in a lump I'm not so sure.

 

The bad bit is the money sits in a zero interest account with solicitors.

 

I have bought my home off landlord at a low market value and ex landlord said they have connections if I need advice or maintenance.

Landlords building insurance company mirrored the no claims on my property to me so I have buildings insurance

 

I have asked for a sum to be paid into my account and I will get a monthly transfer organised to my bill's account at same level as I would have had before.

 

I'm hoping this acts as a buffer while I find a property to invest the money in and a rental income which I have properties emailed to me to look at and decide what may be suitable to instruct solicitors to do normal convaencing on.

 

 

I have also contacted my key worker to get him to tell DWP my situation as I find DWP incompetent and narcissistic whenever I try to talk to them it ends badly.

 

I'm trying to look on positive side that I now own my own home,DWP and IDS can no longer make me destitute with their frankly genocidal reforms.

 

Mainly the disruption of routine makes me edgy about change.

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