Sorry Scott - I'm new to these forums and I never now what to put in them. I'm an ex legal secretary who has had RSI for over 3 years - had to give up my last job in March this year due to indescribable pain in right hand and arm. (Now have similar pains in left hand and arm). Was on incapacity benefit until Nov 5 when DWP decided I was "fit" to work and forced me onto JSA. I was looking for a new type of work anyway so I didn't care... but I had to wait 8 months before even getting a physio appointment through NHS. So far it hasn't helped at all (acapuncture, made me violently ill). The point I'm trying to make (typing agony, need to stop for a rest... ) is that I informed all 7 creditors of my medical condition and inability to work, but they continued to threaten and demand payments. Eventually went to CAB and they wrote to all of the creditors with a letter from my GP explaining my condition. Before this, I had been paying my creditors the amounts they requested. Obviously being unable to work I couldn't do this. Barclays are my main creditor and the most obstinate - I have taken them to the Ombudsman because they refused to communicate with me at all, even via their complaints procedure, and kept insisting on payment (£6,600) in full, despite seeing my then budget. They refuse to negotiate, write off any part of the debt, won't compromise in any way at all. I can't afford to make myself bankrupt. I am trying, as a middle aged person without a family to help (sob, sob! Not meant to sound pitying) to get some sense out of all these people. I also have mounting utility bills arrears as I haven't been able to pay these in full. Does this help at all?
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