When will the powers that be wake up that low-income families are not surviving because of the price rises? It is all very well to say to reach out to a charity but there is no quick remedy available.
Suicide is at a record high and people like Yee-King Ho, known as ‘Fion’ to friends and family, came to live in London from Hong Kong in April 2022, moving to a flat in Richmond in what family hoped would be an exciting chapter in her life, felt there is no way out which resulted in her taking their own life.
***Warning Sensitive Material***
In Loving Memory -RIP
‘Intelligent, dedicated’ woman, 27, takes her own life after struggling to afford £900-a-month rent and having to choose which meal to eat
Here are a few comments that were with the article below:
james moss This is what is wrong with a low-paid economy, people do not want to just survive, people want to have a life, where they can save, and save for a pension, as well as find a home they can afford whether single or families people need proper wages to be a full member of our society, the conservative governments have broken the link between low pay and social homes, we were told that private renting would self-regulate, instead, the rental market has driven the housing market to the crisis we are now suffering, the young woman in question was like many people in this country drowning in the cost of a place to survive, and that is what she was trying to do survive, to live in the UK today and cover the costs 35K is needed, with less than that people are surviving on the crumbs and it is sadly wrong, 2 people on minimum wage can manage, but again it is marginal.
DBDavid Beech The inept political awareness and lack of action from UK citizens simply assist the corrupt to thrive, when poorer citizens cannot survive.
Master Plan
Maybe this is the master plan to help get rid of the poor people living off the state. Imagine how much money they would save if there were fewer people dependent on them.
Question to the Powers That Be.
Do you not find this article alarming?
Do you not see that people in the comments agree that this is disgraceful?
Have you ever had to worry about putting food on the table or worry how to pay your bills?
Were you born privileged with a silver spoon in your mouth?
How about supporting small businesses, the disabled, and the vulnerable?
The Powers That Be Do Not Care About Low-Income Families Or The Vulnerable
They say they care but in reality, they don’t. Has anyone done the maths on £104 a-week tax credits which equates to £2.60 an hour?
I get it, a self-employed person has to do everything in their power to get more work but what if the person does everything they can and still no more work comes in, how are they supposed to live?
Even if you are single over 35 on universal credit which equates to £334.91 per month = £2.10 per hour or £83.73 a week to live on.
Do the sums not add up, do you need to go back to school to resit your maths test?
Example of Living On Universal Tax Credits & Housing Benefit For a Single Person Over the Age of 35 (Unemployed)
Here is an example of a single person living on Housing Benefits and Universal Tax Credits.
Housing Benefit £590 even though their rent is £650
Universal Tax Credit £334.91
Total = £924.91 ( Equals £5.78 an hour based on 40 hours per week)
So if you continue with the calculations:
Opening Balance: £924.91
Rent: £650
Closing Balance: £274.91 (or £68.72 per week divided by a 40-hour week = £1.71 per hour to live on)/
If a person lives on £274.91 and just pays their utility bills there is nothing left over to pay for food.
Arguably people who are disabled or on the sick may get £247.40 PIP per month (lower rate) Personal Independence Payment (PIP): How much you’ll get – GOV.UK (www.gov.uk) but people who are unemployed because small businesses are not hiring, do not want to spend money on services that they will try and do themselves to cut costs. Even the likes of Elon Musk closed down many offices around the world and laid off people, so how are people supposed to live when they can’t find suitable employment? Small businesses are also struggling.
Can no one see the bigger picture here or is it just me?
I welcome any comments and do share this with your connections.
If you are feeling suicidal, remember there is always a solution to every problem.
I think the large corporation should pay taxes and there should be a profit threshold cut-off, where excess amounts of profits go back into the system.
Do not let your thoughts get the better of you. Speak to someone just to get things off your chest or send us a message via our Facebook Page (we will keep your information confidential).
“Personally what I find therapeutic is to vent my frustration online for everyone to read”.
If you have suicidal thoughts, talk to someone about them, don’t bottle things up. If you do not have any friends or family, reach out to the Samaritans on 116 123 For Free. Sometimes talking to a stranger can help you put things into perspective and helps you tackle daily challenges. Arrange an appointment with your local doctor and explain how you are feeling. Do not drink alcohol or take recreational drugs as this may make the matter worse. Seek professional help asap.
I have recently received a letter from British Gas about the new prices on the 1st of October 2022 with their incorrect estimated usage of £2015.92 Again they are basing their calculations on past usage. My past usage is going to be nothing like my present or future. Whereby I had the central heating on full blast last year I would rather freeze than put the central heating on this time round.
I have today submitted a meter reading and it showed I had used £37 pounds worth since my last reading. More is a pity I did not screenshot the price even though I have proof I submitted a reading online (screenshot below) which should reflect the current prices and anyone reading this would be able to agree on the current price of Gas as of the 29th of September 2022. Under the current energy price cap of £1,971, a typical UK household pays 7p per kilowatt hour for gas and 28p per kWh for electricity.
So if they try to scam me as they have done before, (Yes I have documented evidence of that) I will report them once again to the ombudsman where my case is still ongoing. I do not trust British Gas as far as I can through them and will NEVER RECOMMEND them to anyone.
Here is their estimated usage forecast which equates to a 45% increase:
Now let’s do the maths if my current usage as of 29/09/22 is about £40 per month x 12 months = £480 x 45% increase (£216) = £696 per annum, not £2015.92
I will be damned if they try to bully me into increasing my monthly payment plan and as I spoke to someone today advised me to contact my local MP Jo. Stevens.
Accenture Billing System
There is obviously a fault with the billing system: “Accenture systemcould have performed at101 percent efficiency. “British Gas uses bullying and is a threatening company whose call center staff is among the most unpleasant and downright offensive, not to mention seemingly willfully ignorant and obtuse, in the market, and who wouldn’t know the meaning of customer management if you were to spell it out on their reply prompt screens“. Citation –https://www.mycustomer.com/marketing/technology/british-gas-what-difference-would-a-working-billing-system-have-made
I feel for the people on direct debit who will be paying for over-estimated prices. Imagine how much interest the British Gas bank account will accumulate from their inaccurate estimations. It will be interesting how quickly they will refund you the money when they realize their error. Will they refund the interest they have earned and you have lost where the money could have been in your bank account, rather than in theirs? You will not see a penny extra mark my words.
There is another post coming shortly regarding the ombudsman which I have appealed their decision. How they responded will shock you and I plan to share my proof and findings with mind.org.uk
I will interlink once the article has been published here.
Final Notes From the Editor.
The billing system should not be based on the previous usage, the world is changing and so is our energy usage, with most of us using as little energy as we can. Companies should be fined for being heavy-handed with customers.
So to recap on the 27th of July 2022 I was put on a payment plan.
You have to bear in mind when the price rose earlier this year I tried to move my payment date and that is when the problems started in February although I did have a payment plan in place at the time but was told the only way I could move the date was if I set up a Direct Debit with the increased tariff. I wanted to move the date inline when my inbound payments were coming in. (The original payment plan which was at the time £65 and then rose to £90). Soon after I canceled the direct debit because I was not comfortable giving British Gas access to my bank account, this is when they refused to put me on a payment plan where I manually could pay by bank transfer, standing order, or directly on their website.
This has been going on for the best part of six months (Feb -August 2022).
I eventually was put on a payment plan after several phone calls and meter readings proving I was not using much Gas, somewhat five months later.
On the 4th of August 2022, some bright spark (woman) stopped my payment plan because she said I would not be able to pay online if I had a magnetic card, I told her I would pay by bank transfer and she said it was not possible even though I have the bank details to do that or simply pay on their website. There have been many agents that have said this causing contradictions to what other agents say, that I am able to pay online.
I phoned back on the 5th of August and was put back on the payment plan yet AGAIN.
I then got a letter yesterday dated 6th August that British Gas has not heard from me even though I am phoning practically every day.
In the letter, British Gas states my account has been passed to the debt collection team, threatening me with a smart meter which I refuse to have installed. Smart Meters | DISABLED ENTREPRENEUR – DISABILITY UK
I proceeded yesterday to go on their chat and set the transcript to email me at the end of the chat. You can guess I never received an email.
So today I phone up and I was met with a hostile agent who spoke to me in a very controlling manner. I told her about the letter and I said that I did not cancel the payment plan on the 4th, no sooner I had said this she put the phone down on me.
I then decided to have another go with the chat and not trusting British Gas as far as I can throw them, Istarted the chatagain but remembered what my daughter said and that was to screenshot the chat just in case I did not get a copy of the transcript. The agent assured me I would get an email (as per the screenshot)…wrong I had no such email but I did do the screenshots that confirmed I am on a payment plan and that my account has not been passed to debt collections.
When the agent asked me if I have happy with British Gas I was not going to go into an in-depth conversation about why I was not happy with British Gas, so I simply said yes to end the chat.
Technically speaking I should be working but this company has made me so unwell I barely respond to emails and do the occasional update. The amount of time I have wasted with this company is beyond unbelievable.
Moving Forward and My Usage.
I eat sandwiches and salads maybe use the cooker 10 times a month. Come winter I am going to buy oil-filled radiators.
I would rather pay a little bit extra to the electricity supplier EON Next than give a penny more to British Gas.
“British Gas needs to have empathetic agents, not people that think they are so high and mighty and above you. They should be held accountable for their actions”.
This has been going on for six months and the number of calls I have had to make, emails I have sent, and chats are enough to test anyone’s mental health strengthand state of mind.
I have reported this to the ombudsman and will be sending them another update today.
In my opinion it absolutely disgusting how they treat people.
“If you have no extra money, to begin with, no amount of financial advice is going to get you out of the debt the governments and big corporations have landed you in”.
The UK Is On ‘The Brink Of Starvation’ 2022.
It was predicted during lockdown 3 million people were on the verge of starvation according to ‘The Financial Times‘ but now we are on a whole new level of people starving due to the price hikes of the cost of living.
My question is: “if you do not have money, to begin with, how are you supposed to pay for the cost of living price rises”?
Vulnerable People Are On The Brink Of Starvation.
If you have no assets to sell how are you supposed to pay off your debts?
This article should be shared everywhere so that the powers that be, realize that people like the elderly, the disabled, and people on low incomes simply cannot manage to survive.
If people who do not have savings and live pay cheque to pay cheque how can the government and the large corporations expect people to pay more than is physically possible when they increase prices? The Bank of England has just announced today they are increasing interest rates to help with inflation. How is increasing further hikes going to help people living on the breadline or below?
The rich are getting richer and the poor are getting poorer.
It is all very well to say the government is investing £15 Billion into helping with the cost of living, but it is all smoke and mirrors because that does not stop the creditors and utility companies chasing the vulnerable and does give an IMMEDIATE effect on the people that need the help the most.
Something needs to be put in place immediately, not next month or the month after, but it needs to be put in place now!
“People Need Help Today Not Tomorrow”!
A U-turn by the government will see oil and gas firms help pay an additional 25 percent windfall tax on profits to help pay for fresh measures to support households with soaring energy bills. Yet the energy companies such as ‘British Gas’ for example are still charging extortionate prices.
I am not saying this is impacting UK alone this is a global crisis but I have to speak for the people in the UK as this is where I reside.
Six months ago, UN World Food Program President David Beasley issued a “one time appeal to billionaires to help fight famine,” which explained that if the world’s richest people donated a mere $6.6 billion of their collective $13.1 trillion in wealth (or 0.04 percent of the total), world hunger could be eliminated in 2022 and millions of lives could be saved.
So shame on all the rich that do not do enough and I am sure God or Allah or if you believe in any higher power, your fate will be decided for you in your next life and you will reap what you sow!
FOOD FOR THOUGHT!
To all the Politicians, Millionaires, Billionaires & Royalty of this world, why hoard your money when you could be helping society? Afterall we came into this world with nothing and we will leave with nothing. You cannot take your wealth with you. You do not know what happens when you die. You may be reborn and have to live a life in poverty – Karma!
“What person has the right to make another person unhappy? We are all supposed to live in harmony with one another and love thy neighbor but we have made this world a very evil place, and people should not have their mental well-being affected or lose lives through war and famine because of greed”.How can the people responsible for this, be able to sleep soundly at night?
MENTAL HEALTH & RISK OF SUICIDE.
‘It screws with an already vulnerable mind’: How the cost of living crisis is affecting the nation’s mental health. Soaring bills and a lack of support from the government are causing ‘huge pressure’ for people with mental health problems. Socioeconomic disadvantage or living in an area of socioeconomic deprivation increases the risk of suicidal behaviour. https://www.samaritans.org/wales/about-samaritans/research-policy/inequality-suicide/
If you are finding life is getting too much contact the Samaritans, your Doctor (GP) or visit A&E / ER.
We have a useful links page for most charities and financial advice websites.
Do also contact this charity Mind.org.uk if things are starting to get overwhelming.
** Please note if you are residing outside of the UK please contact local charities in your area. We try to update our list as much as posssible and may have missed charities out. Do contact us if you are one of those charities and we will gladly put you on our list.
Chris O’Shea CEO of Centrica & British Gas Earns £775K Whilst The Vulnerable Suffer.
Centrica CEO Chris O’Shea has a salary of £775,000 per year and waives a £1.1 Million Bonus. His decision came as gas and electricity prices are set to soar by more than 50% for 22 million households across the UK in April.
Centrica said British Gas Energy saw a 44% jump in profits to £118 million last year.Citation.
** (The following is just my opinion and not fact). However one needs to look at the bigger picture if there is a board of directors for argument’s sake there are 12 as the pdf below suggests, and some not all are on a payroll (Non-executive directors are not directly employed), but that is not to say they do not get commissions or donations) and if each one has received £250K (hypothesis) per annum, that would be £2.75M, you have to ask yourself this question who works for nothing... https://boardappointments.co.uk/uk-non-executive-director-remuneration/
How can you pay for increased prices if you do not have the money, to begin with?
I first would like to add I actually give this company free advertising space on my useful links page under the heading charities and on this page. (Backlinks Cost Money)!! Advertising was requested by British Gas in May.
I would like to introduce myself, I am the Editor of ‘Disability UK -Disabled Entrepreneur Journal’. I am a Businesswoman and Author. I suffer from Cerebellar Atrophy Cognitive Impairment, Obsessive-Compulsive Disorder (OCD), and Depression. My Disabilities do not define me and I am not afraid to say I have them. I am also a carer for my daughter who has ‘Multiple Sclerosis’.
I have indeed contacted ‘TheBritish GasCharity’ which is a joke (application Number 1035904). I filled in the form and submitted my meter reading and documentation. They said it would take 10 days for someone to approve my application (that was on the 31st of May 2022) and it did not surprise me that they never responded.
It is all smoke and mirrors because if the majority of people in Britain with British Gas are in turmoil, I do not think they have endless amounts of money to give away. So their charity is not worth the web space.
I am a genuine case and for them to not even respond says a lot about them. (Try them out for yourself if you are a British Gas Customer, but do not get your hopes up).
Now if a company has profits into the millions then they should take into account vulnerable people which they do not.
After being prompted to phone British Gas because I was being spammed 6 times by this number: 03332029470, (this is harassment)I took it upon myself to phone and complain. The phone call today lasted 2hrs 18 mins (see screenshot).
The original number that phoned me was (03332029470) to set up a smart meter and I had to justify why I do not want one which I have written previously about: https://disabledentrepreneur.uk/how-safe-are-smart-meters-for-your-health/ The customer representative technical department went on to say they would send someone to my home to ask me why I do not want one. Good Luck to anyone visiting as I am not allowing anyone over my threshold. The woman I spoke to said that because I had submitted a meter reading my monthly bill which was at the beginning of the year £65 rose to £90 in April, then rose again to £138 in May, and wait for this rose again today to £190 per month.
£190 Per Month GasPayments!
I started crying (no word of a lie), I told the operative that the most I can afford is £100 per month and she point blank refused to help spread the costs over 36 months.
She continued to say that my usage is a prediction….well before the meter reading I had my central heating on 24/7 as I have black mold and my daughter who has multiple sclerosis cannot be around the spores, so I need to keep the house warm.
I said my life is not important whilst my daughter is and I said it was unreasonable and unfair to make me pay £190 when I cannot afford to do so right now.
(Obviously, the woman does not know how to count because if I paid £100 already this month and I still owe £333 (1st quarter) and each quarter after that was £400 for argument’s sake that would be £1,600 per annum divided by 12 months = £133 per month and not £190). I am going to bring this up when I submit my new meter reading.
This woman simply did not care what I was saying.
I also said if I cannot afford to heat my home and the black mold spreads I can then sue British Gas if my daughter relapses again. She did not like what I said.
She gave me a complaint reference number: 8013807386
I said,“if I killed myselfBritish Gas would not get a single penny from me”... My point was, do not push people over the edge, not that I was actually going to do it, there is a difference!
My Mental Health.
In my defense, I am NOT feeling suicidal just emotionally distressed, this is why I have an online journal where I can vent my anger and make my opinions known. I have a lot going for me and I feel for people who do not have a strong mind as I have, I see myself as their voice if they cannot defend themselves.
I use this platform to speak on behalf of people like myself or people worse off than me.
With social media, you may be restricted to what you can and can’t say. But on your own platform, you are in full control. Although I use social media to spread the articles I write.
I have a lot to live for, unbeknown to thepeople that are too ignorant to find out but are too quick to judge.
I mentioned this website multiple times “www.disabilityuk.co.uk” which forwards to “www.disabledentrepreneur.uk” in the phone call as I knew it was being recorded. I did it purposely so that people realize who I am. I will not stand for intimidation from anyone of any kind.
What made me laugh was at the end of the call she said it was a duty of care for her to report me to the authorities because I mentioned the dreaded “If I kill myself”. She did not want any repercussions. It was not that she cared. People do not care unless it directly affects them.She did not want ‘British Gas’ to be in the news and I guess they are told if a customer says anything that is a red flag to report it. In other words, she has kicked the can down the road, so nothing happened on her watch.
Bring it on is all I can say because this will cause a domino effect and open up a can of worms.
In fact, I reached out to my GP in a letter over my mental health that was put on the system last year but was never actioned by any doctor.
According to the practice manager, Doctors are too busy to respond to emails or letters even though my daughter’s Neurologist who is also a Professor at Oxford University has the time and decency to respond to my daughter’s emails.
I have another day wasted rather than working, I have had to fart around having to waste nearly two and half hours of my precious time to get nowhere.
Let’s see what the media will say when I send this to every corner of the planet.
British Gas Has Caused Me Emotional & Psychological Distress!
Debt Recovery
Let the fun begin because if ‘British Gas’ decide to try and come after me and they use harassment tactics I am fully armed. Besides I plan to pay them off next month.
This would not be the first time they have been sued and I doubt it will be the last.
I mentioned the National Debt Line: https://www.nationaldebtline.org/fact-sheet-library/gas-and-electricity-arrears-ew/ and said that Utility Companies have to adhere to rules such as and the woman said my circumstances do not apply and it would be impossible to give me breathing space:
People can be vulnerable for a wide range of reasons. Vulnerability can be linked to age, physical health, mental health, or going through a difficult time in life. A vulnerability could be temporary or ongoing. You should let your supplier know if there is anything about your circumstances that makes you vulnerable as they may offer you more support if they know this.
You should also check if your supplier has signed up for the Energy UK Vulnerability Commitment. Energy UK is a trade association. Suppliers signed up to the Vulnerability Commitment have said they will provide extra support to vulnerable customers. This includes:
Make sure staff have an understanding of vulnerability and can identify that you might be in vulnerable circumstances;
Give you an alternative way of contacting them in addition to phone contact;
Provide a freephone number if you are in financial difficulty and they think it is appropriate; and
Make sure you have paper versions of your bill if this is what you need.
This is a B#ll Sh#t because the woman today did not provide any of the above.
Furthermore, she refused to co-operate by turning the onus on me that I am not co-operating by not agreeing to pay £190 per month.
British Gas is having a laugh.
I said if it means I do not use hot water to bathe and not cook as well as not heating my home although I cannot see it being cold for a few months then that is what I will have to do. (This is degrading and affecting one’s quality of life).
I reiterated that I would be writing about British Gas on this websiteand “I quote the woman saying “we do not have anything to do with disabilities”.
I had zero support for my daughter and me who both have mental and physical disabilities.
The moment I can pay this company off I am going to switch providers and will never recommend this company to anyone. They have an affiliate program which means they want help with marketing, so any affiliate marketers should avoid this company. By coincidence ‘British Gas’ are advertisers on Awin who I use for my affiliate marketing projects. Saying this I will never promote this company actively even though I have them listed on my useful links page and mentioned them in my article indirectly.
May I add that they never responded to my letter attachment in the email which had an auto-responder come back that they had in fact received my correspondence on the 28th of May 2022but chose to ignore it?
Condenscending and Intimidating.
People working for these large blue-chip companies should keep their tone neutral, and opinions to themselves they should not be biased.
The woman (Valencia) I spoke to said I should look at stepchange.org I explained I am fully aware of my rights and she became condescending demanding I tell her what they said.
I am not going to allow you to browbeat me as this woman was trying to do.
My gut feeling is they have calculated my meter reading of what I owed prior to the price hike to the new prices to make more money.
I will be posting my new meter reading on here tomorrow including the one on the 31st and will see if my reading goes up again.
**I have published this page but may update it with more information, as when I get any updates from British Gas who emailed me today and said they had deadlocked my complaint, according to ‘Valencia’. As far as I am concerned it is not over until ‘the fat lady sings, in other words,it is a colloquialism that is often used as a proverb. It means that one should not presume to know the outcome of an event that is still in progress. More specifically, the phrase is used when a situation is nearing its conclusion.
So please come back for more updates.
Meter Reading 31/05/22
Meter Reading 15th June 2022
I am now going to be a thorn in British Gas’s side and every month I will be doing a meter reading.
Will I be pursuing “Emotional Distress Compensation” of course I will, and this is what you should do if you too feel you have become unwell because of any company.
Did yesterday’s (14/06/22) fiasco cause me emotional distress, and did British Gas treat me badly of course they did and this is not over until I say it is regardless of their deadlock narcissistic letter.
If you are in a similar position to me, it is not the end of the world and there is a solution to every problem.
If you feel suicidal call the Samaritans116 123 (UK) or visit A&E – (UK) / ER– (USA) or call the Emergency Services 999 (UK) / 911 (USA).
On that note, I did get a welfare check from the Police albeit it was seven hours after my initial phone call to British Gas had ended and guess what the Police said they were on my side and agreed that the CEO needs to be aware of this as they are getting a lot of calls like the one they received about me.
Stay safe and do not let these companies bully you.
It is not your fault that the greedy people blue-chip companies, at the top of the food chain like P#tin, and the Banks, Governments, and Large Corporations want to milk every last penny out of you.
UPDATE 15/06/22
I have received two emails from British Gas and a letter regarding my complaint despite me saying I do not want letters in the post. (How to kill the planet with carbon emissions).
So they have disregarded my new meter reading which is calculated as follows and are not supporting people with mental health or disabilities, let the fun begin because I am going to be messaging the CEO directly:
Below is the email that was sent to me:
Total disregard for my new meter reading and disabilities.
Here are the calculations per unit as per the British Gas Website:
Ironically ‘British Gas’ will report you as “Duty of Care” if you happen to say something out of turn to make them look better but in the next breath disregard your disabilities and worst-case scenario cut off your supply.
People who are vulnerable especially old people may not turn on the heating or cook a hot meal in order to make sure their energy bills do not increase.
So although ‘British Gas’ may come across as they are helping it is all smoke and mirrors and they do not care about your well-being and would much rather pass the buck.
The other joke is why not reach out to organizations that specialize in financial difficulty. If you already know your financial circumstances and do not have the extra money, to begin with, no amount of juggling will pay off your debt and all you will be left with is to sell your assets if you have any or go bankrupt.
Maybe if everyone were to go bankrupt nationwide the Government would do something about it or maybe this is the end goal where no one owns anything (the great reset)?
I am not sure what the hidden agenda is but if vulnerable people do not get the help then unfortunately there is going to become a bigger problem.
Nobody should live in poverty, not in the 21st Century, and not have a good quality of life. People should NOT be killed because of W#rs. W#ars are big business to the people on top of the food chain. If world leaders have no regard for human life by starting w#ars, what chances have the rest of us got?I am sorry but if any country starts a w#r where people will be killed it just shows they do not care about humans in general. Nobody should die to help the 1% richer.
If the cost of living is the cause of the increase in mental health then powers that be that are responsible for the demise need to be made accountable.
Can stress cause your cerebellar atrophy to get worse?
The link between the cerebellum is connected with stress-related brain areas and expresses the machinery required to process stress-related neurochemical mediators.
As most of my readers already know I suffer from ‘Cerebellar Atrophy’. Other than jumbling my letters and words up when I am writing (thank God for Grammarly) and occasionally memory loss, hence I have to jot things down to help me remember, I also have noticed lately an increase in loss of balance.
In fact ironically with what I am about to tell you, just over a year ago I did have a similar episode where I fell down five steps landing on my back and being severely bruised (I do not recall feeling lightheaded at the time just lost my footing). I made sure my doctor (GP) was notified in the letter I wrote that was confirmed was put on the system but no one in the surgery took any action.
However, on 10/06/22 being home alone I was at the top of the stairs and all of a sudden my whole body started to give way. Not only did I feel very lightheaded and the room was spinning, but I also could not balance properly and could feel my body about to hurtle down a flight of stairs. Fortunately, I grabbed hold of the central support pillar to help me break my fall. Had I not stopped myself I would not be writing this post today.
Research suggests people who suffer from psychological stress are more prone to having their condition worsen.
Analyzing why this happened to me yesterday all I can put it down to is I am under a lot of pressure. With the rise in the cost of living and having to also run a business, I am really feeling a financial pinch.
I actually wrote what to do if you are finding it hard to pay your bills, you should not run away from the problem but instead tackle it head-on. I also wrote that some creditors will be condescending and intimidating and what one should do if this happens. https://disabledentrepreneur.uk/creditor-harassment-mental-health/
By coincidence taking a leaf out of my own book, I wrote to all the utility companies and my creditors offering to pay anything I owe in affordable installments. All the utility companies and one of the creditors were all understanding and seemed to all accept my offer Barr one who as it happens I owe the least of money to and no word of a lie has written to me 22 emails to date repeating the same things over and over again. As it is my understanding either multiple people are dealing with one account and not updating one another or they are trying to intimidate me to pay more. I have since written a 10-page letter which took me all day to do and no doubt I will be getting email #23 soon.
My utility bills at the beginning of the year were £154 per month in April they rose to £219 and have risen again to £412. Now here is the question where does one find an extra £267 per month if you do not have that sort of money, to begin with?
So I wrote to all my creditors and explained the situation and all have agreed on my offer and the most I pay is £239
It has riled me that every day I get one or two emails from this one creditor (V) and every day I cannot move forward because I always have this nagging conscious feeling that I need to reply.
They are purposely trying to break me down and they leave me no choice but to report them to the Financial Conduct Authority (FCA).
They have caused me considerable emotional and psychological distress.
If it was not for the fact I am pushing myself to fight this battle I could easily have just given up, turned to alcohol, drugs, or worse.
If you are feeling down and are in a similar position to me DO NOT TURN TO Alcohol, Drugs Smoking, etc, instead seek medical advice through your doctor and professional advice immediately.Here is our useful links page.
You should not suffer alone and millions of people are in the same boat as you.
There is a solution to every problem. Stand your ground and never let anyone intimidate or harass you as I have experienced lately.
Write to your creditors on headed paper rather than just email. Provide them with a breakdown of your expenses. This one creditor never sent me a form similar to the one I have designed below, just bombarded me with daily questions.
According to the harassing creditor (V) they claimed they could not have asked all the questions in one email and in my reply I sent them the form below arguing that if a solicitor or governing body writes to you they do not send multiple emails they send one email and or one letter. 22 emails and counting is harassment and is designed to break you down.
I have a sample template of a form you can send your utility companies and creditors. I can customize it for you, make it editable, and remove any watermarks.
I do not drink alcohol as a rule as it has landed me in heaps of embarrassment and trouble many times in the past doing stupid things and am just happy drinking my energy drinks, but this company (V) which shall remain nameless for now is harassing me and that is against the law, consequently making my illness worse.
I have been meaning to update the GP surgery on my health conditions for a while now and have not found the time, but even if my illness worsens I am not going to get treatment, tests, infusions, etc like my daughter is getting. She is 21 and she can make her decisions but I have my own views which I will leave for another day.
Do contact us if you want the customized form in this article using the form below, **please note we may consider sending the form to you (free of charge) if you are experiencing financial difficulty, however, our business information (Disability UK -Disabled Entrepreneur will be in the footer. It will not have Designed by Renata):
It has been a year since I wrote the letter to my GP (General Practionioner – Medical Doctor) and a year on, I never had a reply.
I gathered that after sending the ‘letter’, that was addressed to a particular GP that she no longer works at the surgery yet other copies of letters addressed to my daughter from consultants from the hospital still mention this GP as the recipient.
This tells me there is a serious breakdown of communication where a hospital does not know that the GP they are sending a letter to does not actually work at that practice.
Moving on I am about to write another follow-up letter to the Head General Practitioner in the same way as I did a year ago and will cite that my health has progressively worsened because of their lack of care.
I wrote about my ordeal and posted an article last November 2021 on“Cardiff Solicitors’ Website”. It is too long-winded to explain here but I have evidence of Medical Malpractice.
I do not envisage getting a reaction from the Surgery unless I start making waves.
At the moment I am not in a good frame of mind to start anything with anyone as I have more pressing things to contend with (the cost of living crisis).
What concerns me is that there must be other people just like me in similar situations that have been failed by the NHS system and are also worried about the price rises and the cost of living.
NHS Short Staff.
According to “The BMJ Opinion site” General practices nationally are at breaking point. This basically suggests that the problem started because of Covid. Primary care is rightly called the “Bedrock of the NHS”.
GPs are seen as the “gatekeepers” to the NHS. Therefore when patients struggle to see their GP, work spills into unscheduled care settings including the emergency department, leading to inappropriate attendance and use of hospital services.
Yet what is not addressed is the vulnerable, the elderly, and the people with mental health disorders are affected the most, and left untreated can escalate to more serious problems.
How many people are seriously unwell because of the Doctor’s lack of care?
It is ok to blame this on bad management or the demise of health care professionals on red tape but at the end of the day, it is the public that is suffering at the hands of the NHS and our Government.
Not once was I offered an online consultation.
If the practice manager read my letter and logged it on my medical records she should have brought it to a doctor’s attention and flagged it, yet she was arrogant and decided to take things into her own hands by not making any doctor at that practice aware of the letter and I quote “doctors are too busy to reply to emails” yet my daughter’s Neurologist who is a Professor at Rockwood hospital who also lectures at Oxford University makes the time to reply to my daughter’s emails personally and he is far more educated and superior than a normal run of the mill (GP) doctor.
Both the British Medical Association (BMA) and the Royal College of General Practitioners (RCGP) recently acknowledged that GPs around the country is exhausted by the increasing pressures from the pandemic, struggling with a toxic combination of increasing patient demands, poor retention, and a depleting workforce.
Yet it is said that GP teams are now more accessible than ever due to digital platforms, and online consultations, (yet I have never once been offered a consultation, only asked to phone at 8 am to discuss one problem but at the time I had five), I was not going to make five separate calls, that would be ridiculous so left my health conditions on the back burner but have definitely noticed a deterioration of my health, not only because of the lack of support from my local (GP) general practitioner but also because of the pandemic and the rise of the cost of living.
I wonder how people can manifest money out of thin air because this is the root of some of my problems, hence am requesting people donate as little as £1.00 to support me and keep this website running.
I mainly rely on advertising and marketing and although I have a lot of visitors to this site that clicks on my affiliate ads, they do not seem to convert into anything, which is frustrating because I am doing everything I can to get business in. Believe it or not, I even went as far as asking our Prime Minister for a job. I figured out that someone would be monitoring his LinkedIn account and would flag my comment. Have I had a reply, well what do you think?
If you were to suggest something to find business, I would most probably have already tried it. People and businesses are not spending because of the rise in the cost of living so I can understand why my affiliate links are not converting.
Creditors.
I have one creditor who is asking the ins and out’s of a cat’s ar#e. I feel humiliated because they do not say their name via email just (the team), and I really do not like sharing too much unless I know who I am talking to.
They did offer to phone me but I declined on the pretense that I am not taking incoming calls. I sent them a letter explaining my circumstances and have not disclosed my true identity or what I actually do.
All I have said is I am a website designer. I have not said I am the editor of this site, I am waiting on their response and it will be interesting what they offer in support of this crisis because it is not my fault the Governments, Banks, the Federal Reserve, and Stockholders have raised inflation because of their deficit spending.
There are hundreds of thousands of people like me in dire straits and I will be documenting my journey here.
I will write about how I have been treated and how it has affected me. I will give credit where credit is due.
We will see how the next couple of months pan out but it looks like my food bill will have to be slashed and I will have to eat the bare minimum to survive.
This is affecting my quality of life.
People of high status such as Royalty, Prime Ministers of this world, are no better than me or you, and I will not bow down to anyone.
They came into this world the same way as me and will leave the same way.
The same goes for people working in organizations and institutions, they are just human beings and should not look down on you as they could be in the same situation as you one day or may have a relative or friend pleading with poverty.
Remember no one on this planet is better than you, although some think that they are. Just because they live in Palaces it is because of history and what their forefathers did in acquiring wealth that makes them sit on their shiny thrones.
The ‘Queen’s Platinum Jubilee’ I am not celebrating although there is going to be a street party on Sunday and although I was invited, I have nothing in common with my neighbors and they do not bother with me all year round so why should I waste my precious time making small talk when I could be busy trying to get business in to pay for my bills?
I have never been patriotic and I am not about to start now. The UK is celebrating the coronation anniversary of a little old lady, whilst in other parts of the world, people are dying. Furthermore, the establishment that bailed Prince Andrew because of his antics is yesterday’s news that people have forgotten.
People are so brainwashed that they cannot see what is going on around them.
Cost of Living Crisis.
It is predicted that businesses will go bust because of inflation.
Rising costs have created a “ticking timebomb” for UK small business owners, the chairman of the Federation of Small Businesses (FSB) has warned, with almost half a million firms at risk of going bust within weeks without a fresh wave of government support.
I have contacted a charity, and I have written to my creditors.
Business On The Brink Of Going Bust Or Have Gone Bust in 2022:
So far, three small energy companies have gone bust in the first two months of 2022, according to Ofgem. Whoop Energy and Xcel Power both announced they were ceasing trading. Whoop Energy supplied 50 households and 212 businesses and Xcel Power had 274 business customers.
I now have my phone turned off constantly. I cannot handle talking to people over the phone with their condescending attitudes.
I did speak to one of the utility companies last month and when I said I was disabled she automatically assumed I was unemployed and when I said “I cannot work for the rest of the day because I am emotionally distressed” she asked what do I do? and when I said I am the Editor of (Disabled Entrepreneur – Disability UK). There was a big pause after that and she then changed her tune. Or the time before when I spoke to someone from the same company, they were harsh and condescending (but what makes me laugh is the auto-recording states they will not tolerate rude customers, obviously one rule for one and not for the other), making me feel humiliated for sharing my personal details with them. Sometimes people take their jobs too seriously and think by not showing empathy is going to score brownie points with their employer. In reality, people may be kind to a certain degree but they do not care, there is a difference. You should not confuse kindness with caring, kindness is a temporary action whilst caring is long-term. https://disabledentrepreneur.uk/why-people-do-not-care/
Now if I were to give feedback on my experience they would most probably defend their corner and say that that is not how their staff treat customers and that it was obviously a one-off encounter and they would try to brush it under the carpet.
Creditors and customer services reps should be understanding, softly spoken, and empathetic, they should not judge you or humiliate you. Because who is to say they may not be in the same situations as you one day. If a customer offers only what they can afford then even if they decided to take legal action to recover all the money the court would see that the customer has made an offer and there would little else that could be done other than to perhaps sell any assetsthey may have and (in my case I have none).You cannot take blood out of a stone! and pushing people into corners can send them over the edge!
I am trying to stay positive and not let this situation get to me and believe that eventually the tables will be turned for the better.
Nothing can stay in the same place forever and when one door closes another one opens.
I am forever re-inventing myself and starting new projects to drive more business.
I have just had one creditor blank me regarding them giving me some marketing work which just proves a point no one wants to spend and no one cares unless it directly affects them.
I am persistent and will continue fighting.
If you have financial difficulties write your creditors a letter and be honest.
Tell them you are incoming and outgoing and offer to pay them something as this will stand up in a court of law.
Keep copies of all communication, letters, emails, texts, calls, etc.
If you need some advice just drop me a line.
“Do not confuse mental illness or education with stupidity, you can have a bachelor’sdegree and still be an idiot” Quote – Elon Musk.
Rishi Sunak has announced a £15bn package of support for households struggling with the cost of living crisis, part-funded by a £5bn windfall tax on energy companies.
All households will receive £400 and millions of vulnerable households will get £1,200 of support this year to help with the cost of living.
There is a saying “never look a gift horse in the mouth” meaning do not be ungrateful or don’t question the value of a gift. The proverb refers to the practice of evaluating the age of a horse by looking at its teeth.
However, we need to make some calculations and this is by my own utility bill payments per month.
Gas £138
Electricity £90
Water £57
Total: £285 x 12 months = £3,420
Now looking at the website I could possibly get an extra £650 + £150 = £800 – £3,420 = £2620
But compared to last year my monthly bill was:
Gas 65
Electricity £32
Water 57
Total: £154 x 12 = £1,848
Compared to this year’s annual bill of £3,420 leaves an inflated difference of £1572 – £800 gift horse money leaves £772 that I still have to find divided by 12 months = £65 per month I miraculously have to manifest out of thin air.
For people who can decorate their walls at £840 per roll and have never had to worry about putting food on the table this is laughable and what makes it worse is the powers that be, think the whole world is gullible and does not know what is going on.
(In a nutshell, it is called ‘Deficit Spending’).
The Hidden Secrets of Money.
Watch the video to the end after the credits where Ron Paul and Steve Forbes discuss the money system with Mike Maloney the creator of the video series.
But wait for the twilight zone where they give the money in one hand they will take it away with the other.
Regulator Ofgempredicted average bills will leap another £829 to £2,800 on October 1. (Where they get their figures from is incomprehensible because the current price is already £3,240 and not £829 as they claim), which will almost double the number of households in fuel poverty from 6.5 million to 12 million.
If they give you the money, a few months later bills you mark my words prices will go up again, they are simply cat and mouse and its all smoke and mirrors..
Rishi Sunak should have put a price cap on all millionaires and billionaires because even these people will get the £400 funding. He later said in an interview that the wealthy can donote to charity if they do not need the £400. Lets be realist here who wants to give money away especially if it is free money. Millionaires did not become rich by giving money away.
It is all smoke and mirrors and the only people that win are the stockholders at the Federal Reserve.
For the people that voted out of the EU who had not one ounce of knowledge of economics or politics, I say “well done”, now see the state of the economy. You wanted toleave the EU because of immigration nothing more. People complained that foreigners were taking their wages but in reality, the Brits never wanted those jobs in the first place and someone had to fill them. Now that the foreigners have gone why are there so many people unemployed?
What I would do if I had any say, any unemployed person that could not find work for example in a 6-month period would have to start a business. There is no reason for anyone to be out of work, everyone can get a job or if not can create one. Obviously, people with certain disabilities can not work for obvious reasons but some can, as example I suffer from Cerebellar Atrophy, OCD, and Depression, but I am self-employed and am also a Carer.
Brexit & Voting.
You would not allow the public to make decisions on your business but the government gets people to vote on the state of a country that may be uneducated or have zero knowledge of politics and economics. It’s a numbers game nothing more.
Anyway, I am happy that the Government is doing something although this has already affected many people’s mental health. Speaking from experience depression, anxiety and stress can be the start of other conditions.
I personally think they should have done something sooner, but I’m not a PM, BJ is.
By coincidence, I follow him on LinkedIn and made a comment on this post. I reckon his social media team may have read my comment I hope so because I asked if he could give me the opportunity to do his marketing campaigns. I said I would link his new site to mine as not everyone reads the news, watches tv, or has a LinkedIn account.
I asked Boris Johnson For a Job.
It would be interesting if anyone bothers to reply or even donate after all charity starts at home and if I am struggling, how am I supposed to keep this site running?
Furthermore, I am doing the government a favor by sending free traffic their way.
Some people pay for traffic, it is called ‘Advertising & Marketing’.
Here is the link to the sub-domain Boris Johnson incorrectly stated and said it was a new website gov.uk is actually the default website and they have just added a sub-domain and subdirectory.
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