Warning: Reality Check for Utility Providers, the whole of the UK is not going to be using the same amount of Gas or Electricity prior to the Price Hikes and therefore do not go by past usage and only go by current usage moving forward. British Gas is purposely putting people in debt.
Excited at the fact that I had only used 8 units in the last two weeks which equates to £20.07, according to the customer service advisor I spoke to today, yet my payment plan has not changed and is still asking for £190 per month even though I am going to be using £40 worth of Gas moving forward. (See screenshots of my meter readings below).
According to ‘British Gas’, they calculate past data of usage and I have said in the past I had my central heating on 24/7 other than the summer months, but I am going to be using the bare minimum moving forward.
It was like talking to a brick wall and I have been told that perhaps the payment plan would be adjusted in 6 months but not before. This is forcing people to go into debt.
So hypothetically speaking, if my predicted usage will be £40 per month moving forward x 6 months left of this year which would equate to £240 but British Gas wants me to pay £190 per month x 6 months which equates to £1,140, minus what I owe = £368 & usage £240 gives a final total of £532 overpayment.
I suppose the surplus money in their bank making interest is better than it is in yours.
Now the way my plan has been calculated is for the past years’ usage rather than usage in the future even though I have proved it will be lower as I do not plan to cook, use hot water or turn the central heating on.
If what I owe is £368 and say next month’s bill comes to £40 per month based on my new meter reading on the (15/06/22) x 3 months = £120 + £368 = £488 that I would owe and if British Gas wants £190 x 3 months = £570, that would mean I would overpay £82.00
Yet they are saying “the computer says no” scenario ‘Little Britain’ quote.
I also asked the question today about what support they have for mental health and the vulnerable and this is what I was told:
A payment plan (which we cannot agree on and they refuse to spread over 36 months but in the past they have). This is intimidation.
The Charity ‘British Gas Trust’ is a joke and I would not waste time donating or asking for donations because British Gas does not support the vulnerable, (notice I am not giving this company a backlink in this article).
So their support for me personally is as useful as a chocolate fireguard.
It was further confirmed that British Gas does not support people with Mental Health other than what has been mentioned above.
This is how condescending companies are because I did not agree to the £190, British Gas expects me to get financial advice “hello, is anyone listening? I do not need financial advice”. I know what my usage is going to be moving forward.
Like I said in my article yesterday “if you do not have the extra money, to begin with, how are you supposed to find the extra money to pay the greedy corporate companies that make a profit on the back of your vulnerabilities”?
Below are screenshots of the meter readings.
When I pay this company off I am going to switch providers and not recommend this provider to anyone. If any utility company refuses to spread the costs with affordable payment plans and is unreasonable with zero support for your disabilities then you should take action.
They should at least offer you breathing space to give you the time to find the money. I have proven with photographic evidence that my usage is now going to be lower.
I begrudge helping a company that makes money off me or anyone else in a vulnerable position and who is disabled. If I thought any company was worth a good review and marketing I would consider partnering with them, but I do not in this case because they have caused emotional distress which in turn has made my mental health worse.
“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/
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.
My time does not matter to anyone.
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!
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.
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.
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:
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.
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.
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.
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.
Disclaimer: This site primarily focuses on residents in the UK, however, it’s okay if you are from another part of the world as we try to help everyone. One thing you must take into consideration is this article has links to UK Government Official Bodies. Should you be reading this in the USA for example please contact your local legal office for advice. Furthermore, if you are experiencing financial difficulty and you are in debt, tell someone, you should not suffer in silence. Write down all your income and outgoings and let your creditors know you are finding things difficult. Ask them for extra time. They may give you an option to pay reasonable amounts without you losing sleep. No one should get themselves so worked up that it affects their mental health.
Who is a Creditor?
A creditor could be a bank, a credit card company, a business, a loan company, or a utility provider.
The creditor usually provides property, services, or lends out money, including but not limited to anything you have taken out on finance such as a car, white goods, or even phone/broadband providers.
A creditor is basically a person, a business, or an institution you own money to.
All creditors should give you the option to pay off the debt in installments even going as far as capping interest rates.
It will take the creditor a lot longer to get his/her money if he/she has to pay a credit agency or if you agree on an IVA where most of your debt is written off.
Most creditors are reasonable but there are a few that are not.
Explain how the debt is affecting your mental health and if you are unable to function properly or go to work, (after all they want you to continue getting a wage, in order to pay them). Most will be understanding and show empathy but there will be a few that may not care.
Remember to document everything including saving emails/text messages and letters which all count as evidence of your communication.
The Protection from Harassment Act 1997
A creditor that continually phones and texts on your business number causing you to turn it off consequently causing you to lose business is causing a criminal offense.
Debt collecting agencies and creditors, especially credit card companies use multiple telephone and mobile numbers and even if you block them they will still get through, even if you have blocked all notifications and incoming calls.
They after getting their money back by any means possible. Some have no regard for your circumstances or your mental health and may become patronizing, judgemental, and condescendingwhen you finally contact them.
Engaging in harassment during the debt collection process is also deemed a criminal offense.
“The harassment may be verbal or written, either via letter, email or text and includes making repeated calls and texts during non-social times or to the workplace of the debtor”.
The Protection from Harassment Act 1997 considers it a criminal offense for a person to take any action that is known or should be known, to be harassing another person.
DEBT COLLECTION GUIDELINES
The Office of Fair Trading (OFT) specifies unfair practices regarding debt collection in its Debt Collection and Debt Management Guidelines. These include accounts in arrears or those having missed payments.
The Guidelines focus on a section about “contacting debtors at unreasonable times and intervals.”
Hours for contact regarding intervals and times that may be considered unfair are outlined. Making multiple calls during working hours, using the business number, phoning at unsociable hours, contacting neighbors and informing them of the purpose of the call, and contacting a debtor at his or her workplace are included in the whitepaper.
HOW TO HANDLE A HARASSING CREDITOR
If you think a creditor has violated one of the above laws or is not in compliance with the OFT Guidelines, you should discuss the issue with the creditor or a collection company representing it. Always reach out to the creditor with the initial complaint and then escalate it with the professional body if you feel your complaint is not taken seriously. Tell your creditor how you want to be contacted in the future and ask them to confirm this in writing.
Your letter should state that harassment is a criminal offense and you can take further action if your creditor doesn’t stop. Initially, you could write to them by email, usually, they have autoresponders confirming receipt of your email. Give them a few days to reply. Follow up by a snail mail postal letter andremember to send all letters by recorded deliveryand keep copies so that you have a record of your complaint.
Prior to making contact, gather all your evidence including calls/texts (screenshot the message and capture the phone number and date) and visit times, and any emails or letters that you consider threatening or menacing.
The letter should include a request that the party immediately stop the behavior. You should also provide a preferred method of contact and acceptable times to make contact.
Once your complaint have be received and acknowledged, your creditor has 3 business days to respond informally. This could be by phone or email (This depends on your preferred method of communication as outlined in your letter of complaint). A final response letter might take longer. Your creditor also has to report your complaint to the Financial Conduct Authority (FCA), even if they respond within 3 business days.
If the creditor fails to change its practices following receipt of this letter, submit a formal complaint to the Citizens Advice Bureau, Trading Standards, or OFT.
If the behavior of a bailiff, creditor, or collection agency ever becomes extremely threatening or violent in nature, notify the police immediately.
Support Making A Complaint
If you need help complaining, writing letters, or phoning your creditors, you can phone the debt helpline on 0300 330 1313. Lines are open between 9 am and 8 pm, Monday to Friday. Calls cost the same as calls to landline numbers. Alternatively, You can also get help by contacting your nearest Citizens Advice.
You could also contact us and we could send you a template letter and you just need to fill in the blanks.
To escalate your complaint you should complain to a professional body too. Your debt collector may belong to a trade association or professional body with a code of practice (FCA) that sets out how they are supposed to behave towards you.
If you are wondering if your lender belongs to a trade association that has a code of practice, then check out this link for Further Help. The trade association may also take action against its members who break the code of practice.
If your complaint is against a bank, building society, or credit card company, they may belong to the Standards of Lending Practice.
The Standards of Lending Practice have guidance for members which they should follow.
Avoid putting pressure on a lender and not allowing harassment.
Should advise to consolidate the debt or debt management.
Should provide support if the lender is vulnerable, for example, if you have physical or mental health problems.
Should use trustworthy debt collection agencies who must also follow the Standards of Lending Practice if the debt is passed on or sold.
You should complain to the bank, building society, or credit card company first, using their complaints procedure. If this does not sort out the problem, you can complain to the Financial Ombudsman Service, telling them that a debt collector or creditor has broken the terms of the Standards of Lending Practice. For more information about complaining to the Financial Ombudsman Service, go to the Financial Ombudsman’s website at: www.financial-ombudsman.org.uk.
Complaining about a solicitor acting for a creditor
There may be times when the debt is forwarded to a legal team and initially you get a letter from a solicitor notifying you that you have defaulted and a demand for a payment settlement. If a solicitor then starts to become harassing you on behalf of a creditor, this is considered to be professional misconduct.
To make a complaint about a solicitor, you will first need to use the firm’s internal complaints procedure. What this means is you will have to contact the law firm and lodge a complaint. If the complaint is ignored or handled unsuccessfully, you can then escalate to the Law Society. If this does not resolve the problem, you can complain to one of the professional associations. A bonafide solicitor will be a member of the Law Society and you can find their registration number in the footer section of their website. You can also check the Law Society website if the law firm or solicitor is a member.
If they are registered in England or Wales, you can complain to the Solicitors’ Regulation Authority (SRA) at www.sra.org.uk. If they are registered in Scotland, you can complain to the Scottish Legal Complaints Commission (SLCC) at www.scottishlegalcomplaints.org.uk. If they are registered in Northern Ireland, you can complain to the Law Society. Go to www.lawsoc-ni.org.
Complaining to the Citizens Advice Consumer Service
If you want to complain about a local firm, you can contact the Citizens AdviceConsumer Service. They can put you in touch with your local Trading Standards Office, which can investigate whether an offense had been committed.
Complaining to the Financial Conduct Authority (FCA)
The FCA has rules and guidance about debt collection. Although the FCA cannot take up your individual case, they can refuse or revoke the firm’s authorization or, for example, fine the firm. It may be worth reminding the creditor that breaching the rules could affect their FCA authorization.
More about the FCA rules and guidance on debt collection in the FCA’s Consumer Credit Sourcebook at www.fca.org.uk.
Illegal money lending
In desperate times we sometimes do desperate things and we may come across companies offering us money dangling a golden carrot until the day come to pay our loan back, we may get into financial difficulty and this is where we end up in murky waters.
It’s easy to borrow money but it’s not so easy to pay it back.
You may have borrowed money from a moneylender who is not FCA authorized. These lenders are for the better word often called loan sharks and they may physically or verbally threaten you if you can’t pay back the money.
They also charge extremely high rates of interest, which means you may end up owing much more money than you originally borrowed.
It’s important to remember that loan sharks are breaking the law by lending you money in this way. They can’t enforce the high rates of interest they are trying to charge. You can’t be legally made to pay back the money and you have not broken the law if you don’t pay it back.
If you are being harassed or threatened by a loan shark and you think your life is in danger you can phone the police. If loan sharks threaten you or your family they can be prosecuted. You should also report them on the GOV website to find out how to report a loan shark on GOV.UK.
Reporting a problem to Trade Standards
If you want to report a problem, you should contact the Citizens Advice consumer service, (citizens advice is a community of volunteer solicitors, usually found in every town/city in the UK). The citizen’s advice will then share the information reported with Trading Standards.
Creditors Are People
Some creditors and debt collecting agency may take their jobs too seriously and may become patronizing, judgmental and condescending, and even sometimes intimidating or threatening.
“You should not live in fear of another person or organization. It is not your fault that the powers that be have decided on price hikes and consequently got you into debt”.
Creditors are the people at the end of the day, either owners of businesses or employees trying to do their jobs.
If you owe money to a creditor and stop making payments, they can take action against you to get their money back. Therefore it is best to write to them, that way everything is documented, giving them a proposal on how you plan to pay the debt off.
“If you have more overheads than the income coming in tell them this. No one on the planet can get blood out of stone”.
Try to exhaust all avenues of getting extra money to pay your debt off before saying you have no money.
If you have reached out to everyone you know and have contacted organizations that may give you grants and been unsuccessful then by all means be truthful with yourself and with your creditors and do not try to brush the problem under the carpet because it will not go away and will only get worse if you do nothing over time.
You could save yourself money with postage simply by emailing them. Explain your incomings and outgoings and ask them for more time. Ask them to spread the cost of what you owe over a fixed term between 12 – 60 months.
“No One Should Live In Fear and pushing people into a corner may send them over the edge”
How Creditors Are Supposed To Behave.
Creditors are supposed to behave professionally, they should not express their personal opinions, or become, patronizing, judgmental or condescending towards you when they are trying to recover their money.
Harassment is any action that makes you feel emotionally distressed, stressed, anxious, humiliated, or threatened. It makes you live in fear and will consequently damage your mental health.
If you feel you are being harassed and becoming unwell because of a creditor, there are several things you can do to stop them from doing it.
If you need help talking to a creditor about their behavior, you can also phone the trading standards debt helpline on 0300 330 1313 if you are located in the UK. For all other countries find your local debt management agency that can assist you further.
Citizens Advice (UK) is open between 9 am and 8 pm, Monday to Friday. Calls cost the same as calls to landline numbers.
If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered harassment. They include:
If a creditor or debt collection agency contacts you several times a day (during working hours, whilst you are at work), or early in the morning or late at night.
If a creditor or debt collection agency pursues you on social networking sites such as Twitter and Facebook, LinkedIn.
If a creditor or debt collection agency puts pressure on you to sell your home or take out more credit.
If a creditor or debt collection agency uses more than one debt collector to chase you for payment.
If a creditor or debt collection agency does not inform you that your debt has been passed on to a debt collection agency.
If a creditor or debt collection agency uses paperwork or business logos that appear to be official when they’re not, (this is fraud) for example sending you letters that look like court forms.
If a creditor or debt collection agency puts pressure on you to pay all the money off, or in larger installments when you can’t afford to.
If the creditor or debt collecting agency becomes threatening you physically or verbally abusive to you.
If a creditor or debt collection agency ignores you if you say you don’t owe the money.
If a creditor or debt collection agency tries to embarrass, humiliate or intimidate you in public.
If a creditor or debt collection agency tells someone else about your debts or uses another person to pass on messages, such as a neighbor or family member.
If a creditor or debt collection agency falsely claims to work for the court or be a bailiff in England and Wales or sheriff officer in Scotland (this is deemed as fraud).
If a creditor or debt collection agency implies that legal action can be taken when it can’t. For example, implying that your home can be taken from you without a court order.
If a creditor or debt collection agency gives the impression that court action has been taken against you when it hasn’t.
If a creditor or debt collection agency gives the impression that not paying the debt is a criminal offense. For most debts, it is not a criminal offense if you don’t pay them.
What doesn’t count as harassment by a creditor?
Not all actions that a creditor takes can be called harassment. Creditors are allowed to take reasonable steps to get back the money they owe them. These include:
Sending reminder letters, texts, or emails.
Telephoning you to ask for payment (not during working hours and not on your business phone).
Call at your home, as long as this is at a reasonable time of the day.
Taking court action.
Who is harassing you
If you’re being harassed by a creditor it’s important to know who is chasing you for payment.
You may be surprised that the people in your case may not be the people you originally owed money to. This is because your original creditor may have sold the debt to someone else to collect. If your original creditor does this, they cannot come after you for money, instead, you will have someone else in their place. If your creditor decides to pass the debt on, they must tell you in writing before they do it.
Your debt may be collected by:
Your original creditor
A debt collection agency acting on behalf of your creditor
A third party who has bought the debt from your creditor
Bailiffs in England and Wales or sheriff officers in Scotland.
Things to consider before making a complaint, gather as much evidence as you can to support your claim.
Depending on the seriousness of the situation this could include (although not all compulsory) It makes sense to gather as much evidence as possible to build your case:
Documenting the number of visits or calls with dates and times. Write down what was said to you each time and who you spoke to.
Has the original correspondence been printed to include letters, documents, emails, and texts you have received?
Witness statements from neighbors or other people who live with you.
Evidence of your circumstances.
Any medical evidence if you suffering from mental health issues.
Further help and information
Trade and professional associations
Your creditor may belong to one of the following trade or professional associations which have a code of practice that its members must follow. You can find a list of members on the organizations’ websites:
The Finance and Leasing Association Imperial House 15 -19 Kingsway London WC2B 6UN
We also have a useful links page of resources such as Charities and Other Organizations.
If you think this article is useful and can help you or someone you know, please take a moment to subscribe and share. May I also like to mention we are not a charity that unlike other media channels that have paywalls we try to keep all information within reach of people who are vulnerable? Hence we solely rely on advertising and donations. If you could spare a few poundsplease use the following link to buy us a coffee to help keep this site going, by visiting the link here! Alternatively, if you would like to donate a larger amount please use thislink to gift us.
I wanted to let you know that Disability UK -Disabled Entrepreneur has started a crowdfunding project for which we are aiming to raise money.
“We are on our bare bones at the moment. So although we would love to help everyone, we first need help. Whatever you can give will help to keep this site running and help pay all our bills. Whatever you give will be truly appreciated”.
We want to continue providing support to the vulnerable especially because of the rise in the cost of living.
We understand not everyone can afford to contribute to a paywall and we are trying to avoid adding one to this site similar to what mainstream media channels are doing. Hence we are asking for donations of as little as £1.00 so as not to break the bank. You will be surprised if a million people donated £1.00 what a difference this would make.
“Money is tight and we only get revenue from marketing and advertising. As an ‘Online Journal’, we are writing articles that matter and may not be covered by the mainstream media. People’s mental health is being affected, which could lead to alcohol, drug abuse, and crime. Creditors chasing people for money can send people over the edge. This is serious and very alarming.Please support us so that we can support the people that need us the most”.
We are a Business, not a Charity.
“Disability UK – Disabled Entrepreneur” is an “Online Journal” for people who have disabilities it is not just for disabled entrepreneurs.
Since the ‘Covid Pandemic’, we have made zero profit and this is concerning. We need donations and investors.
We are concerned that the rise in the cost of living is going to affect many businesses and people’s mental health.
We want to help as many people as possible by campaigning to get through this crisis, and by giving them the support they need.
“We are raising money so that we can advertise and keep our site running free of charge, with no paywall and free advertising for SMEs, Charities, and Disabled Entrepreneurs”.
We are already advertising many businesses and charities for free and we need to start getting money in to help this cause.
We will be targeting big corporations, millionaires, billionaires, and family offices.
With this said we would love it if you could donate using the links below we would be truly grateful, anything you can give will help.
Any contribution large or small will be hugely appreciated. Thank you.
A smart meter is the next generation of a gas and electricity meter.
They are being installed in homes across Great Britain at no extra cost, to replace the traditional meters including prepay key meters, which most of us currently have tucked away under the stairs, or outside our homes.
Theoretically, smart meters measure how much gas and electricity you’re using, as well as what it’s costing you, and display this on a handy in-home display. The smart meter, also called an Advanced Meter Installation (AMI), is a two-way device used by utility companies to measure energy usage in your home.
HOW DO THEY WORK?
The advantages of a smart meter are you can wave goodbye to estimated billing. The smart meter shows a digital meter reading and uses a secure smart data network (managed by the DCC) to automatically and wirelessly send the readings to your energy supplier at least once a month, so you will receive accurate, not estimated bills.
Smart meters also come with an in-home display screen that shows you exactly how much energy you’re using in pounds and pence, in near real-time.
WHAT THE UTILITY COMPANIES SAY.
If you ask your utility company if a smart meter impacts your health, you’ll likely be told there is no health risk. They will be biased and will hopefully convince the unaware consumer that there are no dangers. However medical evidence has proven there are dangers.
WHAT THE EXPERTS SAY.
According to the BioInitiative Working Group, more than 6,000 studies show the correlation of electromagnetic energy with harmful effects, chronic conditions, and disease.
There is also evidence that electropollution triggers an immune system response. That’s because the body thinks the electrical fields are foreign invaders similar to bacteria and viruses.
Amy Myers, MD is a two-time New York Times bestselling author and an internationally acclaimed functional medicine physician. Dr. Myers specializes in empowering those with autoimmune, thyroid, and digestive issues to reverse their conditions and take back their health.
Amy Myers is a successful founder and CEO of Amy Myers MD®.
Dr. Myers has been quoted as saying: “I’ve seen with thousands of patients in my functional medicine clinic, that chronic inflammation leads to fatigue, cognitive problems, brain fog, irritability, anxiety, and memory loss. It is the root cause of autoimmune disease. In fact, chronic electrical exposure triggers symptoms that mirror those experienced in dozens of autoimmune diseases”.
According to David O. Carpenter, MD, radiofrequency exposure at elevated levels for a long period of time increases the risk of cancer, damages the nervous system, and causes sensitivity. It also has adverse health effects on the reproductive system and other organ systems. In addition, it elevates the levels of peroxynitrite (a toxin made by your body), which is linked with over 60 chronic diseases.
According to the World Health Organization, tissue heating is the principal mechanism of interaction between radiofrequency energy and the human body. Sam Milham, MD has spent nearly thirty years researching the impact of electric and magnetic fields (EMFs). He links dirty electricity to cancer, heart disease, diabetes, Alzheimer’s, and suicide. He also connects it with neurological disorders such as multiple sclerosis and Lou Gehrig’s disease.
RF radiation was classified in 2011 by the International Agency for Research on Cancer (IARC), as “possibly carcinogenic (cancer-causing) to humans.” Furthermore, there is no data that shows RF radiation is safe. In fact, no one has conducted health studies on humans living in homes with smart meters. The World Health Organization is planning a formal assessment of the health effects of RF exposure, however, this report is not yet available.
“People with smart meters in their homes have reported a sudden increase in dizziness, ear pain, memory problems, heart palpitations, anxiety, and sleep problems”.
Whether you owe money to a creditor or a utility company they will not stop until you contact them. They have been known to text and phone multiple times in a day in order for you to react. It is always best to communicate with them so that they can arrange something with you. My interaction was with Utility Companies and they insisted on meter readings, prior to Covid, and even During Covid they would come and read my meter but now they are singing a different tune. Because of the height of where my meter is located, it is impossible to read, yet I do not want a smart meter because of the health implications.
Whenever I communicate I always forward articles I have written, this gives me more authority on what I am talking about.
Learn about Deficit Spending and the Debt Ceiling by watching “The Hidden Secrets of Money” by Mike Maloney To Know Why ‘Our Utility Prices’ have been hiked and how utility companies will bully you into having ‘SMART METERS’!
NOTES FROM THE EDITOR.
I had a text message come through on my phone from ‘British Gas’ despite me telling them that I do not give them permission to communicate with me this way and only by email. So they have given my number out without my permission to third-party engineers, which is a breach of GDPR for starters.
This has gone on deaf ears. Needless to say, they have booked me in for a smart meter even though I have told them I do not want one.
Now both my daughter and I have autoimmune disorders (cerebellar atrophy and multiple sclerosis), so if any utility company insists on the installation of these meters I think I have enough evidence, that should either my daughter or I relapse, we would be able to take legal action against the energy providers.
I was told in a conversation I had with ‘British Gas’ that I use more gas than the average household. They even asked me to add a backlink for them on this site on the useful links page, yet they never offered to pay for it. (Which is disgraceful that they can money grab, but won’t compensate for the traffic I send them). The link is useful for my readers and I am not doing British Gas any favors and will be looking for compensation.
I am not arguing if I use more gas or not, although I have a brand new boiler and I have to have my home heated because of black mold that grows on our walls.
I have to safeguard both my daughters and my health because we have black mold.
Our landlord is aware of the situation and has simply said to wash it down with bleach and soapy water. This does not eradicate the problem and the health of my daughter and my own is paramount and I will fight to the end anyone that tries to reduce our quality of life.
Remember the Governments and the Large Corporations work hand in hand. If you read on the government’s website that smart meters are safe, they will never tell the truth.
Why is our cost of living increased?
I will tell you why it is to do with deficit spending and the debt ceiling. Basically, the Government has overspent and in the case of the UK, they owe money to the EU. The Brexit Divorce Bill in July 2021, was estimated at £40.8bn but Downing Street insisted the figure was between £35bn and £39bn. https://www.bbc.co.uk/news/51110096 we now have a crisis on our hands. The Government needs to find the money to pay the EU. Goods and services are now subject to tariffs, increasing the cost of raw materials into Britain and finished products out.
If people’s mental health is affected due to price hikes and people are forced to endure corporate bullying and intimidation to install smart meters which leads to illness then the corporations need to be made accountable. If people are struggling to pay their finances before the price hikes how are they supposed to pay after bills are increased exponentially?
“Pushing vulnerable people into a corner can easily send them over the edge”.
Psychological stress can affect a person’s cognitive abilities, in the short term (e.g., when an individual’s thoughts are pre-occupied with an argument or problem that happened earlier in the day resulting in reduced ability to concentrate) as well as over the long term, where the intrusive thoughts creep in and the problem simply does not go away and festers, which in turn can lead to anxiety, depression and other mental health disabilities.
Emotional and cognitive changes
The emotional and cognitive effects are often the greatest challenges. Some of the most common symptoms can be hidden from plain sight. These changes can affect the way people feel about themselves and alter their cognitive functions. For many, the emotional and cognitive effects represent the greatest challenges.
Uncertainty, stress, and anxiety, depression are the most common disorders a person can experience.
A person with an autoimmune neurological disease such as MS or Cerebellar Atrophy may grieve for their life before they were diagnosed with a disorder. Other emotional changes that may occur include clinical depression, bipolar disorder, and mood swings. All of these are more common among people with MS than in the general population. Depression and bipolar disorder require professional attention and the use of effective treatments.
Emotional lability appears to be more common, and possibly more severe, in people with MS and Mental Health Disorders. This may include frequent mood changes, for example from happy to sad to angry.
It is believed that the causes are the extra stress brought on by MS as well as neurological changes. Uncontrollable laughing and crying is a disorder affecting a small proportion of people with MS, and it is thought to be caused by MS-related changes in the brain.
Having MS can affect self-esteem. There may be times when it’s difficult to do everything a person is used to doing, or they may have to do things differently. Focusing too much on the negative aspects can feel overwhelming.
Cognition refers to the “higher” brain functions such as memory and reasoning. About half of all people with MS will not experience any cognitive changes, but for others, the most commonly affected aspects of cognition are:
Attention and concentration
Speed of information processing
Abstract reasoning and problem solving
Studies have shown according to author Dr. Sudha Seshadri, professor of neurology at UT Health San Antonio explains that higher levels of stress translate into raised levels of the stress hormone cortisol in the blood. A raised level of cortisol in the blood can predict brain size, function, and also the performance of the individual when faced with cognitive tests. She said, “We found memory loss and brain shrinkage in relatively young people long before any symptoms could be seen.” It’s never too early to be mindful of reducing stress,” she added. The lead author, Dr. Justin B. Echouffo-Tcheugui, an assistant professor of medicine at Johns Hopkins also said that symptoms of stress-related memory loss and brain damage may not be evident until much damage has already been done.
Cerebellar Atrophy & Stress.
The cerebellum is connected with stress-related brain areas and expresses the machinery required to process stress-related neurochemical mediators. Surprisingly, it is not regarded as a substrate of stress-related behavioral alterations, despite numerous studies that show cerebellar responsivity to stress.
“I suffer from cognitive impairment, I lose my balance, jumble my words, and have memory loss. The condition I have is cerebellar atrophy. I was diagnosed with it around 2011”.
The more stressed I am the less I want to do. I sometimes have to force myself to churn the wheel for another day.
I suffer from clinical depression and have been diagnosed with this over 30 years ago. There are days that I have to fight with my thoughts in order to get through the day.
Recently with the price hikes, my depression is getting worse. I have my voice mail turned off and my phone is on airplane mode constantly. I cannot deal with talking to people over the phone. To counteract this I much prefer email correspondence. I am not too good with letters especially forms because of my OCD, this is something else I suffer with.
Having people pity me and say things “Awh Bless” or “Poor You”, really gets my back up. It is condescending. Furthermore, people are quick to judge or assume.
The difference between someone who is self-employed and someone who is employed is that the employed person is a slave to their employer and has a guaranteed wage, whilst the self-employed do not have a guaranteed income stream. A disabled person may choose to work for themselves as they do not have the same amount of pressure or obstacles to overcome.
I spoke with a British Gas customer rep the other day and she started asking questions, such as do I have a carer, and when I said no, I could hear her brain ticking and assuming that I am making things up about my illness. I tried explaining if I get stressed my mental state shuts down and I go into a whirl of depression. I continued to say that yanking my gas bill from £65 per month to £90 and a further hike to £138 was simply unacceptable. I simply cannot get this sort of money out of my a##e. I ended by saying I won’t be able to work because I cannot cope with the stress this is causing me. Now wait for the assuming bit she replied “what do you mean you will not be able to work, what do you do”? I said “I am the editor of “Disability UK Journal”. There was silence and then her attitude changed.
“A person who is self-employed and becomes unwell cannot function or keep their business running. So if they do not work no money comes in”.
“Just because I run this disability journal does not mean I am rolling around in money. Never assume anything”!
“I am not a charity and I have no funding, I simply rely on Advertising & Marketing Revenue”.
“Never assume because someone is working, they are financially secure or they do not have disabilities, or if they have they must not be all there especially when they have mental health disorders”.
There is so much stigma attached to disabilities with small-minded peoplejudging and assuming things. Just because someone may have a disability does not make them less capable than the next person (depending on certain factors and disabilities of course), they may in fact do a better job.
“A disabled person can be more intelligent than you, so never assume that they are not”.
Cost of Living And The Impact On Struggling Low-Income Families & Entrepreneurs.
In The News.
Average UK Salary & Overheads.
Self Employed On A Low Income.
Reasons Why Rachel Mclean Minister Does Not Have A Clue.
Mental Health & Low-Income Families.
Suicide Due to Cost Of Living.
The Government, Brexit, Deficit Spending and Debt Ceiling.
The Hidden Secrets Of Money – Mike Maloney.
Final Thoughts From The Editor.
About The Author.
Possible Solutions – Start A Business.
Start A Second Income – Start a Business.
In The News.
According to Rachel Mclean Minister stated people struggling with bills should ‘work more hours or move to better-paid job’.
Ms. Maclean said: “Over the long term we need to have a plan to grow the economy and make sure that people are able to protect themselves better – whether that is by taking on more hours or moving to a better-paid job and these are long-term actions but that’s what we’re focused on as a government.”
Firstly not all employers have the budgets to give extra hours.
Secondly, if it was so easy to get a job everyone would be doing it and we would not have so many people unemployed.
Thirdly the average salary for the average U.K. full-time worker as reported by the ONS equates to £31,772 over the year. However this may be an average yet there are many jobs that pay the National Minimum Wage based on 40 hours working week at the national minimum wage of for example £9.18, which equates to £17,625 before tax and NI.
The Self Employed With a Handful of Jobs With Zero Profit:
Incomings (Excluding Business Overheads) Per Month:
£00.00 Business Profit
£590 Housing Benefit
£400 Working Tax Credits
£240 Personal Independence Payment
£262 Utility Bills (Water. Gas Elec)
£80 Telephone & Broadband (Without Broadband I cannot work)
Total Per Month £1288 (Do The Maths).
Reasons Why Rachel Mclean Minister Does Not Have A Clue:
Getting another job may be in breach of the contract of the current employer.
The unemployed who cannot find work (so how is someone in employment going to find work so easily?
People with disabilities who cannot work? How are they supposed to live?
Disabled People in Employment? Disabled people find it more difficult to get work because even though we are supposed to live in a non-discrimination society, a person for example with OCD who has to wear latex gloves to touch things won’t be hired to represent a brand on a high street shop or may feel uncomfortable working in an office environment being the odd one out. Ask yourself this question how many people do you see working who have wheelchairs? Businesses with no wheelchair access are not going to go out of their way to build ramps and fit disability equipment unless that person they were hiring was worth more than his/her weight in gold.
Self Employed on low incomes as they struggle to get more business?
People with children, so are you supposed to get a second job so that you can pay for childcare to look after your kids whilst you are at work? (getting a stranger to bring your child up, I have never got my head around this unless you earn a lot of money and your career is very important to you).
Not all households have two incomes some people live on their own and only have one income.
Mental Health and Low-Income Families.
This affecting people’s mental health with the Governments and the Banks playing God with your prosperity? Lee Anderson, Conservative MP for Ashfield, said in the House of Commons that meals could be cooked for as little as 30p a day. (You can’t even buy ramen noodles for 30p) I suppose if you had eggs and toast or jam sandwiches every day that may bring the shopping bill down, but who wants to eat toast and eggs every day?
Let’s be hypothetical here:
2 Dozen Eggs: £4.00
2 Loaves of Bread £2.40
Butter or Spread £2.00
Total Price of Groceries: £8.40 divided by 7 days = £1.20 a day
I suppose if you ate one egg a day (after all we can’t be greedy) it would bring the cost down by £2.00 which would mean your daily food bill would be 91p per day.
I am sure health professionals would be falling over themselves saying how unhealthy this would be.
But who on earth wants to live like this? This affects a person’s quality of life never mind their mental state. It’s humiliating and downright cruel. No one should be made to starve to fit in with the Government agenda.
The government needs to get its house in order before palming off its problems on the public.
The cost of living crisis is affecting the nation’s mental health and the already vulnerable mind.
Sarb Bajwa, CEO of the BPS (The British Psychology Society) said:
“The absence of measures to support the most vulnerable is glaring, and many families will be swept into poverty over the coming months, as they struggle to pay their bills and put food on the table. The mental health impacts of this are severe – we know that the stress of raising a family in poverty can have huge ramifications on parents’ and children’s mental health and that poverty is one of the major risk factors for the development of mental and physical health problems“.
A Sheffield Labour MP said some people in his constituency have attempted suicide in response to the rising cost of living. Paul Blomfield, MP for Sheffield Central, said: “I spent yesterday morning at a crisis meeting in a part of my constituency where incomes are lowest. And we were looking at the way in which the cost-of-living crisis we’re facing was impacting people”.
The Government, Brexit, Debt Ceiling & Deficit Spending.
The debt ceiling is the maximum amount that the U.S. government can borrow by issuing bonds. When the debt ceiling is reached, the Treasury Department must find other ways to pay expenses. Otherwise, there is a risk the U.S. will default on its debt.
In other words, because the UK left the EU, the Brexit Divorce Bill in July 2021, was estimated at £40.8bn but Downing Street insisted the figure was between £35bn and £39bn. https://www.bbc.co.uk/news/51110096 we now have a crisis on our hands. The Government needs to find the money to pay the EU. Goods and services are now subject to tariffs, increasing the cost of raw materials into Britain and finished products out.
You allow uneducated people to vote just so you can win the game of numbers and now look at the state of the country which is now left in turmoil.
The Hidden Secrets of Money – Mike Maloney
Depending on your location Country/Town/City there may be emergency grants available. For Cardiff for example if are experiencing severe financial hardship you may wish to make a claim to the Discretionary Assistance Fund (DAF) Discretionary Assistance Fund (DAF) | GOV.WALES
Final Thoughts From The Editor.
The governments have overspent and people and businesses too. So what does that mean in the long run for the British Public? For starters, the cost of living has to be increased to pay back the debts that have accumulated and forces people to borrow even more money. For every pound/dollar borrowed you have to pay interest which is fiat currency to the banks and that is how the monetary system revolves.
If the Government and Politicians are so quick to give advice why don’t they swap places with people living on the poverty line, if one is born with silver spoons in their mouths they will never grasp how the other half lives and it is easy to dish out advice if you have never experienced life, where you have to worry where your next meal is going to come from.
It is easy to pass judgment whilst hosting wine and cheese parties and decorating walls with gold wallpaper at a cost of £840 per roll?
It’s easy to say find a job when businesses are not hiring and do not want to spend.
All businesses are tightening their reigns on their spending, so the chances of a pay rise or an increase in hours are going to be slim.
What happened to all the money that was confiscated from the Oligarchs and all their assets? (is it all just smoke and mirrors simply to confuse everyone so that they do not find out what is really going on?). Why can’t the assets be sold off to pay off the national debt?
Why are the owners at the Federal Reserve getting a 6% commission, why can’t they reduce their cut to 1%; and the rest of the money sent back into the system? (It’s not as if they can take all the money with them when they die).
Creditors should not hound the vulnerable, by phoning or texting several times a day (it is called harassment). If a person has admitted hardship the creditor should put a halt on payments overdue and even come to some arrangement to pay back in affordable monthly payments rather than making a person feel emotionally and mentally unwell. (£40 x 60 months = £2,400) It is better to get something back than nothing at all. The same goes with Utility companies do not force people into corners as you never know what they might do.
About The Author.
I am an advocate for mental health and poverty. I write about Disabilities, Business, Politics, and Finance.
I have Disabilities.
I write in my Online Journals where I share my articles with my network of nearly 11K connections on LinkedIn and on Social Media Platforms, Groups, and Pages.
If I can help just one person, I know I am making a difference one step at a time.
The more people stand up and express their dissatisfaction with how they are being treated eventually something will change.
Possible Solutions– Start a Business.
The Governments instead of throwing spanners in the work with their lame solutions; instead they should encourage people to set up their own businesses and start a second income. Anyone and everyone can start a business and the possibilities are endless.
I can help you start up a second income and offer free advice and support.
The other thing that has been brought to my attention is how cost-cutting the government is with benefits, robbing Peter to pay Paul so to speak, by taking away simple necessities from the already high risk and vulnerable people to pay for their spending on Wars and their own agendas, they are doing the classic “Daniel Blake” scenario.
My daughter has MS (Multiple Sclerosis) and has a Cardiff Bus Concessionary Travel Card, have now said she will not renew her card even though she already was awarded the card; unless she gets the new updated PIP award letter that is still being processed. She has been given a deadline to produce the letter within the next eight weeks which PIP have said they will not be able to do. If people have a long-term illness they should not be expected to jump through hoops to prove they are ill. They should have evidence from health care professionals and should not be expected to perform like performing seals.
As it happens my daughter is going to have treatment again in the next few weeks because she has relapsed and her MRI scan showed new lesions. The powers that be should not be adding more stress to people who are ill that have corroborating evidence.
If you found this article interesting and useful please take the time to share it with your friends, families, and colleagues. Don’t forget to use the links throughout this article and last but not least please consider buying me a cup of coffee. Some of the National newspapers are using paywalls which is annoying so we will continue providing free content, without forcing people to subscribe to read the full articles.
My Online Journal is my safe space where I can share my stories and vent. I do not always write negatively but of late I have noticed blue-chip corporations treating people badly so not only is this my online therapy it also is a voice for people who cannot or do not know how to stand up for themselves.
I have not made an entry here for a while and yesterday was the ideal time to do some journaling and spill the beans.
The morning started out with me phoning all my insurance providers as I had deleted some direct debits in error. I suffer from cognitive impairment caused by cerebellum atrophy and sometimes muddle my words up. The words can be very overwhelming for me at times. Being stressed does not help and where I should have canceled one insurance policy, I actually canceled three. As it turns out the other two direct debits were obsolete, but still having to phone all nine companies was challenging.
The other problem I have is dreading talking over the phoneso when I tried to rectify the problem via email I was point-blank declined and was told to call. The calling is not so bad but it listening to the prompts Press #1 for what you had for breakfast Press #2 what you had for lunch and #Press #3 just to annoy you more (just kidding) although I have been subjected to up to 4 minutes of this from various companies before the annoying music starts playing. God forbid if your call drops and you have to start all the BS all over again.
Insurers do not make it easy, so although you may take out insurance by a said insurer the underwriters a separate company collect payment. So there could be the same underwriter for multiple insurers which can make it difficult when trying to find out who is who. I have done a spreadsheet so that I do not get caught out again, but by the 9th insurer I had enough, yet my day was only starting.
What rattled me was, that I was paying £65 at the beginning of the year then it went up to £90, and yesterday she wanted £138 per month. I was told I use more gas than the average household. The way I see it regardless if I did not use any gas at all, I still would have to pay for the service. I am not going to reduce the quality of my life and sit at home freezing cold. or only cook once a week. If a person is struggling to pay £90 then how the hell are they supposed to find the money to pay £138?
“A little bit of maths and common sense would not go a miss“.
“What are people supposed to do, do they have to rob banks or starve”?
Someone on LinkedIn commented “that charity starts a home”, but what she failed to comprehend was the support in the event of a military attack on these countries will be money in BJs / Chancellor of the Exchequers Pockets so to speak. W#ar is big business at the expense of the people. How do you accumulate wealth if you do not lend money or charge interest on the money you lend out? This is how the money system works. If you lone out jets, sell ballistic and nuclear missiles you have to get paid and its one big game of the winner takes it all.
I do not support the funding of the lavish lifestyles of the 1%that think they own us and rob us blind. I never agreed to slaving away, did you?
No one owns me. I have a voice and I am not afraid to use it!
I am a spiritual being in a physical body and we are here for a reason and it is to teach others, empower and motivate and not steal, abuse, or kill, we are supposed to be intelligent human beings, not animals.
We should be able to distinguish right from wrong and if the likes of P#tin who orders the mass killings then he is no better than something that has just crawled out of a sewer. These people are vermin.
In fact, any person in power that has done wrong should be punished the same way as a member of public and should also be kicked out of office, I refer to certain politicians, that got a slap on the wrist and fines, for their publicised antics.
There is a Scottish MP trending at the moment that allegedly had £25 Million in Funding For PPE that supposedly ended up being used due to it not being of high quality and was returned. This MP is now being investigated.
Just imagine if this was the average entrepreneur that had done this, they would be facing a custodial sentence for fraud, but I guess if you own 6 houses (one in Belgravia in London) you have enough money to pay for a jail-free card on the monopoly board.
I spoke about a previous post about why people do not care and the customer representative said that people do care and that she cared (no they don’t unless it directly affects them). She then asked could she help me with anything else and I said “help me bring in more clients”, the call then ended without any feedback on my remark…I rest my case!
Reference the money she expected me to agree to I said I will pay, but will not be able to eat and the CEO of British Gaswill certainly not have a problem bringing food to the table whilst I will and this is where she started to be sympathetic.
I got my frustration out, if nothing else, and told her she was professional and had a calming voice, I just did not mention the fact she made me feel bad at the beginning of the conversation as what would have been the point. I felt had I not mentioned I am self-employed the conversation would have been slightly different.
Do you think it is by chance this P#tin W#ar has broken out or is it something to do with the deficit spending and all the price rises? Have you forgotten about Brexit and how much money UK is in debt by and how much money they have to pay back, never mind the trade w#ar in China and the USA. Putting the jigsaw pieces together can you not see a picture emerging?
These blue-chip companies get a 6% commission for our sweat, labor, and hardship. Do you think that the dictator started the w#ar himself or was it pre-arranged at the round table, by a selected few?
People at the top of the food chain seem to think they own and control you and in a way they do.
An example of a battery in the matrix was Virgin Media which I have for months had an ongoing dispute again I have communicated by email and have told them not to phone me and what do they do? they only phone even though I specifically requested not to. What was interesting though my phone was on “do not disturb” but they managed to get through and the phone rang. I re-iterated how much emotional distress they put me through and I am still no closer to a resolution as the email I was promised I would have, never materialized.
So you can imagine the poor sod on the other end of the line receiving my wrath and me saying “if you read my email do you not understand English”, his reply was he was ordered by someone above him to phone me and my final reply was that he obviously did not have the balls to stand up to the person. Most people are afraid of speaking up in the workplace for the fear of being fired. People go to work like sheep to get their paychecks the majority do not go to work because they love the company that employs them they are solely there to do a job and get paid. They are human robots being told what to do. Their “VOICE” in the metaphorical sense of the word is taken away, they are slaves to the employer for the hours they work.
Anxiety& Panic Attack.
The day continued with my brother telling me that he is coming over to the UK at Christmas. Under normal circumstances, I should be ecstatic but I am having a panic attack simply thinking about it.
I have not left my home for three years due to social disconnection and OCD, actually, tell a lie I went out once to meet him last year for the day and I felt so ill after that but he was oblivious to my disability. He told me that I have to arrange my schedule and my work around him. He told me we will be talking this weekend coming.
Notice how my disability and my work are of no significance to him and I have to just get over myself.
The icing on the cake was the final straw that broke the camel’s back so to speak with my neighbor announcing she is moving within the month. she without a doubt had to be the nicest neighbor I have ever had, she was always kind, and caring and never did me wrong. I will miss her.
I do believe nothing standstills and when one door closes another one opens so although I felt very depressed yesterday with low self-esteem. That was yesterday though and your mood can change if you stay occupied and not dwell on what is bothering you. I am hopeful about tomorrow and about brighter things to come. I am fortunate I have an online journal to vent my anger which I can share with whoever wants to read my challenges. I did come across a website called (www.storiboard.co.uk) not mine may I add but a portal to share your stories.
Telling Your Story.
Anyone reading this who wants a platform to share their stories is more than welcome to subscribe here and I will make you a contributor or will manually upload your stories for you. It won’t cost you a penny only your time, it is completely free.
I have gone through a lot over the last two decades (I won’t go into it all here but I am a ‘survivor of domestic violence‘ and and this is what drives me to tell my story) I won’t say I am strong all the time. I have good days and bad days and yesterday was a bad day for me but I know I will get over it. I am still standing and I won’t let anyone break me, sure they can try but when they knock me down and I get back up again so help me God.
I will be writing my biography soon and I will be calling out all the people that have done me wrong. Don’t misunderstand me, I am not awkward or vengeful, I just think some people deserve their five minutes of fame.
No one on this planet is better than you, we all do the same things, we eat, sleep and go to the bathroom, and we all cannot survive without water or air. We all have red blood and if Adam and Eve were the first people, then their children would have been inbred so we are all brothers and sisters. The world is an evil place with evil people living in it trying to suck the last ounce of happiness out of you. They should be very worried about what happens to them after they die. Just because some use 24kt Gold WCs does not make them any better than you. We all have the right to live on this planet in harmony and without having to worry about where the next paycheck is going to come from and if we can put food on the table. No one should fear for their lives or be killed for some political agenda. No one should lose their life for the sake of debt ceilings and deficit spending.
“The Hidden Secrets of Money” By Mile Maloney.
I have an invisible disability and I expect to be acknowledged as a human being and not be judged, I expect people to give me the respect I deserve. I do not need anyone giving me advice, or being patronizing, after all when it comes to mental health I specialize in the subject hence why I built this site.
Never assume anything with me without asking me first.
I know if my finances improved so would my mental health. My cerebellum atrophy is incurable but with new drugs coming on the market anything is possible. I am staying positive and hopefully, someone reading this will invest in me.
One day soon you will learn what one particular “evil animal” did to me and how I am recovering.
I have audio recordings of all the death threats he made to me.
He is no longer residing in the UK, he left last December for Germany however within a month of him starting work he was fired due to an altercation with a woman at his place of work, why does that not surprise me.
Unfortunately, because he does not speak fluent English he was unable to set up an email address so I did it for him and forwarded all his emails to me for translation purposes with his consent, however, I have no access to his settings anymore, and cannot un-forward myself hence I get his emails and all the antics he is getting up to.
I use outlook and have blocked his email but people sending emails to him still come into my inbox. I have started marking them as spam as I have no other way of stopping any communication.
Remember not all that glitters is gold and that was my mistake and I have learned the hard way.
One day I will rise from the ashes and tell my full story.
Tomorrow is another dayand I aim for a brighter future!
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