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Category: Stress (Page 1 of 3)

How To Deal With Intrusive Thoughts

How To Deal With Intrusive Thoughts

WHAT’S IN THIS ARTICLE:

  • What are Intrusive Thoughts
  • Types Of Intrusive Thoughts
  • What You Can Do
  • Related Mental Health Disorders
  • When to Get Help

Overview:

The majority of us from time to time experience worry, anxiety, stress, depression, grief, and fear. If you are reading this and do not agree that you have never experienced any of the above, you are not being true to yourself.

Sometimes we experience unwanted thoughts like did we shut the door behind us or did we turn off the stove. This annoying thought may get stuck in our heads until we put our minds at ease. Usually, you can ignore it and move on. But sometimes, it just keeps returning.

What are Intrusive Thoughts?

Intrusive thoughts or negative thoughts are thoughts that either lingers on your mind or pop in out of nowhere. They are part of our coping mechanisms. However unwanted lingering thoughts stem from stress, fear, and anxiety. People who have suffered trauma can affect their beliefs about the future via loss of hope, limited expectations about life, fear that life will end abruptly or early, or anticipation that normal life events won’t occur (e.g., access to education, ability to have a significant and committed relationship, good opportunities for work). All these events can manifest intrusive thoughts.

Understanding the Impact of Trauma – Trauma-Informed Care in Behavioral Health Services – NCBI Bookshelf (nih.gov)

Nearly everyone experiences Intrusive Thoughts from time to time”.

So why do these thoughts happen and what causes them?

An intrusive thought is not always related to an underlying condition. It may be caused by:

Intrusive thoughts either linger on one’s mind or simply come in out of nowhere.

These thoughts are unpleasant and unwanted and manifest in our minds, sometimes without warning or other times if we dwell on something for long periods that is worrying us.

These thoughts can sometimes be violent, sexual, or simply harmless worries.

Intrusive thoughts usually heighten when you feel, stressed or distressed, typically having an intrusive once in a while is just part of life.

It only becomes concerning if your thoughts because dangerous and uncontrollable.

In most cases, intrusive thoughts do not have any particular meaning. As long as you recognize that these are only thoughts and are controllable and harmless and that you have no desire to act on them, intrusive thoughts are usually not harmful.

However, if they’re happening often, causing significant concern, or interfering with your daily activities, it’s a good idea to talk with a doctor.

I must admit that I do suffer from intrusive thoughts occasionally, especially when I am stressed or depressed but would never act on them other than if they were related to OCD Germ Contamination. Through my learning journey, I am trying to heal. In fact, I have completed my Diploma in Hypnotherapy, and am studying Neuroplasticity.

Intrusive thoughts can range from random images to disturbing and violent ideas like punching someone in the face or hurting yourself.

(Yes I have had thoughts of punching someone in the face, but I would not go through with such a ludicrous idea because (a) my OCD germ contamination thought would kick in of actually physically touching someone, and secondly (b) it is simply a stupid thought).

Other intrusive thoughts are: did I cross-contaminate (did I touch something by accident) and does my thought warrant me to act on my compulsion such as changing my clothes because my daughter’s cat brushed past me? Usually, I try and fight the urge (CBT). Depending on how stressed I am will depend on how successfully I can resist the thought. Most of the time my germ contamination thoughts overpower me, like I said it all depends on my anxiety and stress levels.

I am aware that with OCD sometimes it is hard to fight your thoughts and you succumb to the urge. Hypnotherapy and meditation help with the process of healing.

Survivor of Domestic Violence

Whilst I was enduring emotional and physical abuse, the thought of harming myself crossed my mind, but again I knew I had to prove to the abuser that I would not be broken, no matter how many times he tried and kept saying to myself what does not kill you make you stronger. I decided no matter how low he made me feel I would not give him the satisfaction and would not give up. I decided to focus on building this site and working really hard. He eventually left with his tail between his legs because he knew he was defeated and no matter what he did or said to me was no longer working. I felt rejoiceful that he had lost his battle to destroy me and I concentrated on moving forward by suppressing all my thoughts and all the bad memories by putting the past behind me.

(I am a survivor of domestic violence, the abuser has left the country).

For anyone else experiencing intrusive thoughts, they are usually harmless as long as they can be under control. But if you obsess about them to the extent that it interrupts your day-to-day life, this can be a sign of an underlying mental health problem.

Intrusive thoughts can be a symptom of grief, stress, anxiety, depression, or obsessive-compulsive disorder (OCD).

Types of Intrusive Thoughts

OCD thoughts.

OCD thoughts depending what type of OCD you have. There are Nineteen Characteristics of OCD. With OCD the sufferer that has intrusive thoughts usually actions the compulsions to ease the discomfort of the thought lingering in their head, this could be from checking the door handles and switches to counting or avoiding certain numbers, objects, or people. This is a defense mechanism to protect the sufferer from their fear that if they do not carry out the compulsion something bad might happen.

Sexual thoughts.

Sexual thoughts are usually natural regardless of gender. An Intrusive sexual thought however when it becomes uncomfortable with or shocked by the thoughts and images to the point you are fixated on something, you should talk it over with a professional.

Experts say it’s best to remind yourself that these are just passing, automatic thoughts. They don’t define you in any way.

Violent thoughts.

Violent thoughts of punching someone in the face are harmless as long as you do not act on them.

Sometimes violent thoughts may have dark meanings like harming yourself or someone else. Usually, these thoughts are harmless, even repetitive as long as you have no intention to act on them. These thoughts are very unpleasant and if you feel you cannot cope you should speak with a professional or phone the Samaritans. You can also contact us and keep yourself anonymous if you prefer. These thoughts usually pass in time. But if you find yourself planning to follow your thoughts through, you need to speak with a professional to help to manage your emotions. Talk to a doctor or a therapist.

Negative thoughts.

Negative thoughts can be multiple ideas. An example you have imposter syndrome, you feel like a failure or if you think about something negative will happen because you essentially are manifesting it in your life. The more you think negatively the chances of whatever you are thinking will come true. It is best to rewire my mind. These thoughts should fade as your situation changes. But if they become overwhelming, you could have depression or anxiety. Talk to a mental health professional about how to control your symptoms.

However, science teaches us that In 1949, psychologist Donald Hebb laid out his compelling “assembly theory” of how the brain achieves this feat. It is best summarized by the mantra “neurons that fire together wire together.” Meaning what we reap is what we sow in other words if we continually think negatively eventually what we are thinking will happen. The idea is that neurons responding to the same stimulus connect preferentially to form “neuronal ensembles.”

What You Can Do


The best way to heal is to learn about the brain and our thoughts, learning about our conscious mind and our subconscious mind helps us understand the supercomputers we have (brain), yet, we only use a total of 5% of our entire human mind Keeping ourselves busy and distracting ourselves is a strategy to heal.

At the end of the day, most intrusive thoughts are just thoughts.

The only time they become a red flag or a signal that you actually want to do the disturbing things you’re thinking about is when you feel you are no longer in control.

If they bother you, you can take steps to cut down on their frequency and intensity.

You Can:

  • Evaluate your life and what is troubling you.
  • Recognize your thoughts and label them for what they are.
  • Distract yourself from your thoughts, watch a movie, read a book or do some scripting and write your thoughts down on paper in a journal or online.
  • Release the tension and share your thoughts with others. (There are groups and forums you can join or if your thoughts are overwhelming contact a professional like your doctor or phone the Samaritans.
  • Accept that they will pass eventually.
  • Listen to empowering motivational speakers like Jake Ducey or Dr. Caroline Leaf. Check them out on YouTube.
  • Give yourself time for the intrusive thoughts to fade away.
  • Be prepared for your unwanted thoughts to come back.
  • Learn about your mind and neuroplasticity and how your thoughts can be controlled.

Do Not:

  • Do not act or engage in dangerous thoughts, for example hurting yourself or someone else.
  • Do not be too hard on yourself. Try to question yourself and why you’re having them in the first place.
  • Do not just do nothing in the hope your thoughts will go away. Often distracting yourself from a situation will get your mind occupied with other things and your thoughts become suppressed.

Related Mental Health Disorders.

Sometimes, thoughts go beyond being intrusive.

Related mental health disorders associated with repetitive unwanted intrusive thoughts, could be a sign of OCD. This type of anxiety disorder causes the sufferer to have recurring, unwanted thoughts that they may not be able to control. This may be the compulsion to repeat certain behaviors or actions over and over again.

In contrast, delusional paranoid thoughts, such as thinking someone is always watching you or wants to hurt you, can be a sign of schizophrenia or bipolar disorder.

If you have these thoughts, talk to a psychiatrist for diagnosis and treatment options.

When to Get Help

If your intrusive thoughts become unmanageable and start to take over your life, you need to seek professional help or as I am doing am learning online, keeping myself busy all the time, and doing extensive research. I will not claim to be the next Paul Mckenna of this world and one day I would like to meet him, but I do believe hypnotherapy and meditation play an important part in the healing process. The issue with hypnotherapy and meditation is you have to keep at it, you cannot just do it once and expect miracles it does not work like that.

Although I have completed my Hypnotherapy Diploma and have hypnotized myself I have not done it enough times to actually see much of a difference hence I re-iterate that you need to be consistent with it.

The way I deal with intrusive thoughts is by scripting and using my online journal. I feel much better after I have released my energy and often anger either on paper or mostly online.

If you are finding life too difficult to bear and you are getting contact with intrusive dangerous thoughts, contact your Doctor or Emergency Services.

A doctor may refer you to a behavioral therapist, psychologist, social worker, or psychiatrist for further diagnosis and treatment.

Personally, for me, this is my own process of healing, learning, and passing my knowledge to others.

“An Investment In Knowledge Pays The Best Interest” – by Benjamin Fraklin

Remember we have a useful links page and depending on where you are in the world you have your Doctor you can contact or emergency services (112) this is the international number. In the UK we have (999) and for nonurgent (111).

Further Reading

My Daily Mental and Physical Self-Care Routine & How I Manage My Menta – Dr. Leaf (drleaf.com)

Debunking the Serotonin-Depression Theory (with Psychiatrist & Profess – Dr. Leaf (drleaf.com)

The Difference Between the Nonconscious, Subconscious & Conscious Mind – Dr. Leaf (drleaf.com)

The Great Psychiatry Fraud – Dr. Leaf (drleaf.com)

#intrusivethoughts #ocd #negativethoughts #neuroplasticity #neuroscience #hypnosis #meditation #learning

Impact of Energy Prices On Vulnerable People

Impact of Energy Prices On Vulnerable People.

Vulnerable people are being hospitalized because their energy supplies are being cut off because of nonpayment and arrears.

Some vulnerable people need energy supplies more so than the normal healthy person, this could be oxygen tanks, to mobility equipment.

Vulnerable people are being hospitalized after having gas and electric cut off (msn.com)

I have always known that large corporations do not care about people. If you look at the bigger picture, if you or I murdered someone we would go to jail regardless if we did it ourselves or hired someone to do it for us. So why is it that world leaders can start wars and get away with murder?

The whole point of wars is to raise inflation, people tend to panic buy, by worrying about price rises. But for organizations such as utility providers that are on a gravy train getting compensated by the federal reserve, they do not care about your well-being either.

It is all about the sheer greed for money and power.

BullionVault

Hidden Secrets of Money – Mike Maloney. – CYMRU DIGITAL MARKETING BUSINESS JOURNAL (cymrumarketing.com)

Politicians kicking the can down the road: Liz Truss: No more sticking plasters to fix the energy crisis (msn.com)

Liz Truss vows to act ‘immediately’ and will help millions ‘within a week’ with their ‘energy bills’ if she is elected as PM – London Business News | Londonlovesbusiness.com

OFGEM the ombudsman for energy suppliers is the government. The energy suppliers and the governments work hand in hand. Ofgem is supposed to work with people and not against them: However, Samantha Allen, chief executive of the NHS in the North East and Cumbria, hit out at Ofgem for halting energy supplies for vulnerable people who haven’t paid. Risks to clinically vulnerable people (northeastnorthcumbria.nhs.uk) Do you see that OFGEM is on the side of the energy supplier and not the people?

It will be interesting to see if what I say is true, because I have reported British Gas to OFGEM and I have until October 14th, 2022 to get a response.

The MPs are getting richer and the rest of us are getting poorer.

So it is no surprise there is an investigation going on how MPs have claimed taxpayer’s money to pay for the energy bills.

Ministers’ claims for gas, electricity, and water came to just over £195,000 in 2021–’22, according to an analysis of data from IPSA.

It also showed since 2019 that MPs have claimed just over £692,000 to cover these utility costs, with £538,000 alone going on heating bills.

Suella Braverman, favorite to be named home secretary if Ms. Truss wins the leadership contest, has claimed £7,160 for household utilities since the 2019-’ 20 financial period.

Education secretary James Cleverly, predicted to become foreign secretary, billed taxpayers £4,142 in energy and water bills at the same time.

Among senior Labour MPs making the claims was the party’s deputy leader Angela Rayner, who has been handed £2,318 to cover energy and water bills since 2019.

MPs claimed almost £200,000 from taxpayer to heat second homes (msn.com)

You have to bear in mind that these people in power have never experienced poverty for themselves, they have never had to worry about keeping a roof over their heads or putting food on the table let alone finding money to pay bills.

It is ironic that the same people go around preaching how someone should budget their money and send you to places like stepchange .org when you already have a clear picture that you do not have enough money coming in to cover your bills. So how can these charities help other than to give donations?

It really rattles me that the people at the top preach to the rest of us about money yet they are the ones causing us to get into debt.

Note From The Editor

Think of it this way the world is overpopulated, and the governments are forking a shed load for vulnerable people and people with disabilities. The governments (UK are in trillions of debt to the EU for Brexit, so where is the money going to come from to clear the UK debt?

I am now on par with managing my money after months of sheer heartache with British Gas. This cost of living, British Gas, and my creditors have caused me to dive into a deep state of depression and some days find it hard to function properly. If Covid was not bad enough and I lost a lot of business now I am having clients dropping like flies because they cannot afford to run their websites any longer. I do not see the government helping small businesses, do you?

I do try to keep myself busy and I try to learn something new every day. Talking to people does not help (not for me anyway), what advice can someone give, if they are not more qualified than me, or know my personal circumstances?

Knowledge is Power“.

I am not saying do not talk to someone, in fact, I advise you to talk to a friend, family, or colleague, especially if life is becoming unbearable. Even go as far as talking to your GP (Doctor) but if it can’t wait phone A&E or ER.

What I find is venting my thoughts on this site helps. It not only helps me but can help someone else like me.

You do not have to use your real name just set up a Gmail email and register on here to also vent. In fact, I have even got categories called “Online Journal General” and “I Need To Vent”.

My final recommendation is not to stop paying your bills altogether, but instead, pay what you can afford while at the same time reducing your energy usage. This will hurt the energy suppliers’ profits. I have elected to pay monthly by bank transfer rather than direct debit, this gives me greater control over my bank and does not give energy suppliers a license to help themselves.

How To Reduce Your Energy Usage Home & Business – CYMRU DIGITAL MARKETING BUSINESS JOURNAL (cymrumarketing.com)

#energyprices #vulnerablepeople #mentalhealth #ofgem #enerysupply #energyproviders #vulnerabledeaths

PIP Personal Independence Payment Delays And The Repercussions On Mental & Physical Health.

PIP Personal Independence Payment Delays And The Repercussions On Mental & Physical Health.

Disclaimer Scotland: People in Scotland will no longer be able to make a new claim for Personal Independence Payment (PIP) from August 29 when the benefit will be replaced by Adult Disability Payment (ADP) in all 32 council areas across the country. At present, 13 local authorities are now offering ADP to adults over 16 and under State Pension age living with a disability, long-term illness or a physical or mental health condition.

Most people don’t like complaining and will not make a formal complaint about anything let alone the DWP, because they believe it would be a waste of time and could cause a knock-on effect on their other benefits.  For those that do complain and, after many months of pursuing, end up giving up.  The ones that are determined come away with a pathetic apology and feel they have hit a brick wall. They accept the mediocre admission by the DWP or Atos, Capita, that these organizations made a mistake and nothing else happens, their mental health is simply disregarded without a second thought.

ANN ABRAHAMS – REPORT

However, the most recently released report reveals that a tiny number of people pursue their complaints further and end up being awarded large sums in compensation. The report is called ‘Small mistakes, big consequences’ and is written by Ann Abrahams, the Parliamentary and Health Service Ombudsman. Ann Abraham should be a name that should stand out as well as your local MP.

Remember nothing happens quickly after all these people are not in a hurry to find money to put food on their tables, only you are”…

(The report can be downloaded using the following link: Parliamentary and Health Service Ombudsman Small mistakes, big consequences HC 6 (publishing.service.gov.uk)

MEDICAL EVIDENCE

Your illnesses and disabilities should be corroborated with medical evidence and letters from GPs and consultants. This payment is to help with your daily living and is not an alternative to being a benefit bum and living off benefits. This payment is for people who truly deserve the extra money because of their disabilities. The reason why the Government is clamping down is because of too many fake, lazy individuals that see this as free money.

DELAYS

Delays are causing people to become ill through worry and stress. https://www.mind.org.uk/information-support/types-of-mental-health-problems/stress/what-is-stress/ Hundreds of thousands of disabled people are having to wait for £300 million of vital support, according to a new analysis from Citizens Advice.

Citizens Advice said: “PIP, which can see people with an illness, disability or mental health condition receive up to £157 a week, is a lifeline for millions of people, yet the government is playing with people’s lives and their health.

There are currently around 327,000 Disabled people on the waiting list, with an average waiting time of five months. Citizens Advice projects this means £300 million of payments that would be awarded are being held up, after all the government needs to look after themselves first before thinking about the other half of the population. You are not their priority, although you should be.

“Waiting for this payment is having a huge impact on people’s lives. Delays in assessment mean that support is held up, forcing people into impossible choices as they try to make ends meet.”

STATISTICS

  • People are facing humiliation as 1 in 5 people have needed to go to a food bank in the last 3 months who have also had an issue with PIP. Many of those waiting for a decision will also be eligible for the £150 disability benefits cost-of-living support payment but are unlikely to get it before October’s mammoth energy price hike.
  • There are more people coming to Citizens Advice for help with PIP than with any other issue in fact an astonishing 41% more than any other issue.
  • Around 150 people are contacting advisors at Citizens Advice every hour for one-to-one help, and its webpage on “How the DWP makes a decision on PIP claims” had 27,700 page views last month, up 56% year on year.

CITIZENS ADVICE

Citizens Advice is calling on the Government to take urgent action to relieve pressure in the system and help get money to people who desperately need it. It is calling for an emergency plan from the Secretary of State for Work and Pensions to urgently tackle this backlog, including reducing the number of claimants required to have a medical assessment, which is the main reason for these delays – and extending the award period so people have to reclaim less often.

The severe PIP assessment backlog is not just affecting new claimants but also those seeking reassessments or needing extensions to their claims. These lengthy delays are having a substantial impact on their applications for other benefits such as blue parking badges, bus passes, and Motability vehicles.” https://disabledentrepreneur.uk/bus-passes-for-the-disabled/

Backlogs in the disability benefit assessment system are having significant knock-on effects on disabled people’s ability to live independently, new evidence has shown.

These delays are also causing further turmoil for disabled people whose support needs have increased and believe they should now be entitled to higher PIP payments.

The evidence has come from the Benefits and Work website, which has heard from a string of existing PIP recipients who say the delays are causing tremendous emotional distress and significant problems.

In March, Disability News Service (DNS) reported how the backlog of disabled people waiting for a PIP assessment had more than trebled in the last five years, from 88,500 in October 2016 to nearly 312,000 by December 2021.

DNS has also reported on similar problems with the Access to Work system, with DWP figures showing the number of disabled people waiting for decisions on their applications has more than quadrupled in a year from just 4,890 in March 2021 to 20,909 in March this year.

One of the ways the Department for Work and Pensions (DWP) is dealing with the lengthening PIP assessment backlog is by providing temporary (3 months), short-term extensions to PIP claimants who are waiting for their benefits to be reviewed.

Editors’ Opinion – “Do they not have enough unemployed people to do a bit of paperwork? How about outsourcing the work would be another idea and finally only appraise the people that have medical evidence to corroborate their illnesses”?

The Government is purposely dragging its heels in order to save money.

“This is Evil, a Disgrace, and a Shambles”.

Vicky Foxcroft, Labour’s shadow minister for disabled people said:

“With the cost-of-living crisis hitting disabled people particularly hard, it is shocking this government has not got a grip of the PIP backlog, which has been going on for months now”.

“Short-term fixes aren’t enough anymore. Disabled people deserve so much better than this; Tory ministers need to get a grip on this backlog, especially given the impact it is now having on other benefits for disabled people.

“A future Labour government would invest properly in disabled people, ensuring they had the support needed.”

A DWP spokesperson said:

“We closely monitor the progress of PIP cases awaiting assessment and take all steps possible to ensure claimants receive the vital support they require”.

“We can and do make in-house decisions on award reviews without referral to assessment providers where necessary and use a blend of phone, video, and face-to-face assessments to ensure support is given as quickly as possible.”

People Who Suffer From OCD

Daily Living Descriptor 6 – Obsessive Compulsive Disorder

The Upper Tribunal has recently made a decision (CPIP/3760/2016) about how people with OCD can claim points under PIP.

BACKGROUND

The PIP Regulations say that people who can’t do an activity listed in one of the PIP descriptors safely, repeatedly, to an acceptable standard, and no more than twice as slowly as a non-disabled person, shouldn’t be counted as being able to do that activity for the purposes of PIP. (I keep a note of my health online and so does my daughter. I think as a sufferer of OCD the form does not actually cover all the different types of OCD). https://disabledentrepreneur.uk/category/renatas-online-journal/ & https://disabledentrepreneur.uk/category/zena-online-journal/

Therefore there has been some confusion about people with OCD, who usually can do an activity perfectly well, but have to do it over and over again or in particular ways or at particular times.

(Assessors who are not specialized in diagnosing OCD or any other illness should not have any input about the claim – just because they have passed e-learning does not make them any more qualified than you or me).

The PIP descriptors and the regulations didn’t deal with this sort of situation very well and so lots of people with OCD lost out on awards. Now the Upper Tribunal has looked at the issue and made a judgment that will help people with OCD to earn points for PIP.

WHAT THE UPPER TRIBUNAL DECIDED

The Upper Tribunal case was about a person who took a very long time to get dressed because their OCD meant they had to repetitively try on lots of different outfits until she found one she was happy to wear. The DWP argued that this long time didn’t count for the purposes of PIP because it was just the person’s choice to try lots of clothes on. The Upper Tribunal, however, held that because the person’s hesitations and repetitive behavior were ‘the consequence of her health condition’, she was entitled to points because it took her more than twice as long as a non-disabled person to dress. But the UT did say that if the longer time had not been a consequence of her health condition, she would not have been entitled to points.

This decision is important because the principle that delays in being able to complete a task because of the consequences of a mental health condition like OCD can be applied to all descriptors, not just dressing. So a person with OCD who can eat perfectly well but who takes an hour to eat because of obsessive rituals about arranging the table, or a person who can wash perfectly well but who does so eleven times three times a day, could claim points under those PIP descriptors.

WHAT THIS MEANS FOR YOU

If you have OCD for example and have obsessive rituals or other behavior which means that you take much longer to do activities of daily living like cooking, eating, dressing, and so on, then you now can use this Upper Tribunal decision to strengthen your argument for claiming PIP.

Note that you will still have to be able to show that you have been diagnosed with OCD or a similar mental health condition and you do in fact have behavior that means you take much longer than a non-disabled person to complete daily living activities. Good strong evidence from people who know you will be needed.

You will also have to show that your behavior is a consequence of your mental health condition and not just your own preferred way of doing things. Showing that you can’t change the way you do things even if it is against your interests will be useful – eg that you miss appointments because you can’t get there in time owing to a dressing ritual.

DIFFERENT TYPES OF OCD

OCD is a very complicated illness it is not just about washing or checking or taking too long to shower, dress or cook food. It may be the fear of germ contamination (as I have). I know logically we are surrounded by germs but the thought of contracting something or being harmed through direct contact with an unsanitized area does not bear thinking about. I am cocooned in my own surrounding where I can keep my intrusive thoughts under control as best I can. My disabilities are not just OCD, they are Depression, Social Disconnection, and Cognitive Impairment (Cerebellar Atrophy) to name a few.

TIMING

As with everything, it all takes time and you are not a priority.

Upper Tribunal decisions take time for your claims, mandatory reconsideration, and appeals, and it may take some months before DWP and assessors finally make the decision.

Unfortunately for you, this causes considerable stress on your mental health and pressure on your finances. You can either suffer and do nothing other than wait or you could complain.

If your appeal is taking longer than expected you have grounds to contact the ombudsman.

If you have been treated unfairly and given the DWP and Tribunal time to respond and they have not within the timeframe then you need to start getting all your evidence together to build a case. You can take it even further and take it to an Ombudsman (Last Resort).

You can read the full judgement herehttps://www.gov.uk/…/ml-v-secretary-of-state-for-work-and-p…

USEFUL LINKS:

PIP delays leave disabled people hundreds of millions of pounds out of pocket – Citizens Advice

How do some claimants get thousands of £££ in DWP compensation (benefitsandwork.co.uk)

How to use DWP for compensation? – LegalBeagles Forum

http://en.wikipedia.org/wiki/Upper_Tribunal

http://www.justice.gov.uk/about/hmcts/tribunals

adminappeals@hmcts.gsi.gov.uk

Suing DWP for compensation … — Scope | Disability forum

Complain to us: getting started | Parliamentary and Health Service Ombudsman (PHSO)

FINAL THOUGHTS FROM THE EDITOR!

If an organization or entity causes you to become unwell because of their actions, they should be held responsible and should pay for damages.

If people are becoming mentally and physically unwell because of the Government’s actions then the claimants should be awarded compensation.

If you have been affected by:

  • Emotional Distress (causing, stress, anxiety, depression, intrusive thoughts, and making your mental illness worse).
  • Indirect Discrimination (entity assuming because you have an invisible illness you are classed as normal).
  • Harassment
  • Intimidation
  • Humiliation (having to go to food banks or being pitied because you are disabled).

Consequences

If your illness gets worse because of an entity’s direct action and in the cases of auto-immune diseases you can relapse because of stress: https://www.everydayhealth.com/hs/living-better-with-ms-guide/triggers-that-can-cause-ms-flares. then, you have under the human rights act the right to take further action. https://www.equalityhumanrights.com/en/advice-and-guidance/what-direct-and-indirect-discrimination

Flawed System

The PIP system is flawed, it employs people who are not qualified in the field of the illness (one needs to be a specialist in the field and should undergo years of training as well as qualifications to determine what the claimant is suffering from). The system is designed to degrade people and to make them unwell. The more people that become unwell the more money Big Pharma makes and that is how the world goes round.

Making a Complaint

Do exhaust all avenues of complaint procedures before contacting the ombudsman and do collate as much evidence as you can. If you have a blog or social media page share it with the people I have mentioned in this article. People usually take notice if you have a professional site and you know what you are talking about.

If you want our help and need a letter we can send you a template with all users, names, and addresses and you fill in the blanks. Our template letters are £5.00 and you will get a download link once the payment has been processed, if you want us to write the letter for you it will cost £25 per 1000 words. Your privacy and data will be safeguarded with a non-disclosure agreement.

PIP Mailing Address is:

Personal Independence (2), 2 Mail Handling Site (A), Wolverhampton., WV98 18B

Tel Number:

0800 121 4433 ( be prepared to wait 45 minutes to be put through)

Email:

contactus@capita-pip.co.uk

** Just to explain when I spoke to PIP today over my daughter’s award the woman said that my daughter or I would have to submit evidence by post. Knowing they had an email I said could it not be done electronically (I bit my tongue about saving the environment) and the woman I spoke to blatantly lied and said there is no email address.

The amount of time I had to wait to be put through could easily cause someone who has multiple sclerosis or any other auto-immune disease and suffers from bad stress and anxiety to easily relapse. Furthermore, I do not know who they employ because I had to spell Alemtuzumab out even though I clearly told the woman the word can be found on www.lemtrada.com.

I am not looking forward to the assessment my daughter is due to have because if they make my daughter perform like a circus monkey that will mean I will have to intervene. My daughter documents her health in her online journal on this platform. I am not looking forward to having to deal with these people.

Contact Us For a Template Using The Form Below:

Further Reading

DWP admits wrongly rejecting disabled people for benefits at record rate | The Independent

People who claim PIP or were denied benefit payments could be owed £13,000 due to rule change | The Sun

‘I’ve recently had my PIP benefit claim turned down – how can I appeal it’ – Mirror Online

Thousands of people ‘wrongly’ denied PIP disability payments after surging in DWP appeals – Mirror Online

#dwp #pip #personalindependencepayments #invisibledisabilities #indirectdiscrimination #humanrights #equalityact #ocdandpip #emotionaldistress #humiliation

British Gas Have Pushed An Editor Of ‘Disability UK’ To Breaking Point.

British Gas Have Pushed An Editor Of ‘Disability UK’ To Breaking Point.

The Editor Has Been Subjected To And Is Suffering From The Following:

  • Humiliation
  • Patronization
  • Torment
  • Emotional Distress
  • Depression
  • Anxiety
  • Stress
  • Panic Attacks
  • PTSD

I wrote previously about how British Gas treats its customers. Today with a heavy heart I am writing about them again.

Emotional Distress Compensation | DISABLED ENTREPRENEUR – DISABILITY UK

British Gas Customer Intimidation & Treating Customers Badly. | DISABLED ENTREPRENEUR – DISABILITY UK

So to recap on the 27th of July 2022 I was put on a payment plan.

You have to bear in mind when the price rose earlier this year I tried to move my payment date and that is when the problems started in February although I did have a payment plan in place at the time but was told the only way I could move the date was if I set up a Direct Debit with the increased tariff. I wanted to move the date inline when my inbound payments were coming in. (The original payment plan which was at the time £65 and then rose to £90). Soon after I canceled the direct debit because I was not comfortable giving British Gas access to my bank account, this is when they refused to put me on a payment plan where I manually could pay by bank transfer, standing order, or directly on their website.

This has been going on for the best part of six months (Feb -August 2022).

I eventually was put on a payment plan after several phone calls and meter readings proving I was not using much Gas, somewhat five months later.

On the 4th of August 2022, some bright spark (woman) stopped my payment plan because she said I would not be able to pay online if I had a magnetic card, I told her I would pay by bank transfer and she said it was not possible even though I have the bank details to do that or simply pay on their website. There have been many agents that have said this causing contradictions to what other agents say, that I am able to pay online.

I phoned back on the 5th of August and was put back on the payment plan yet AGAIN.

I then got a letter yesterday dated 6th August that British Gas has not heard from me even though I am phoning practically every day.

In the letter, British Gas states my account has been passed to the debt collection team, threatening me with a smart meter which I refuse to have installed. Smart Meters | DISABLED ENTREPRENEUR – DISABILITY UK

I proceeded yesterday to go on their chat and set the transcript to email me at the end of the chat. You can guess I never received an email.

So today I phone up and I was met with a hostile agent who spoke to me in a very controlling manner. I told her about the letter and I said that I did not cancel the payment plan on the 4th, no sooner I had said this she put the phone down on me.

I then decided to have another go with the chat and not trusting British Gas as far as I can throw them, I started the chat again but remembered what my daughter said and that was to screenshot the chat just in case I did not get a copy of the transcript. The agent assured me I would get an email (as per the screenshot)…wrong I had no such email but I did do the screenshots that confirmed I am on a payment plan and that my account has not been passed to debt collections.

When the agent asked me if I have happy with British Gas I was not going to go into an in-depth conversation about why I was not happy with British Gas, so I simply said yes to end the chat.

Technically speaking I should be working but this company has made me so unwell I barely respond to emails and do the occasional update. The amount of time I have wasted with this company is beyond unbelievable.

Moving Forward and My Usage.

I eat sandwiches and salads maybe use the cooker 10 times a month. Come winter I am going to buy oil-filled radiators.

I would rather pay a little bit extra to the electricity supplier EON Next than give a penny more to British Gas.

“British Gas needs to have empathetic agents, not people that think they are so high and mighty and above you. They should be held accountable for their actions”.

This has been going on for six months and the number of calls I have had to make, emails I have sent, and chats are enough to test anyone’s mental health strength and state of mind.

I have reported this to the ombudsman and will be sending them another update today.

In my opinion it absolutely disgusting how they treat people.

#britishgas #humilation #emotionaldistress #anxiety #panicattacks #depression

British Gas Customer Intimidation & Treating Customers Badly.

British Gas Intimidation and Disregard For Mental Health & Vulnerabilities.

Intimidation is intentional behavior that causes the victim emotional distress, panic, fear, anxiety, and depression. The instigator of intimidation tries to intimidate the victim by threatening a person into paying more than they can afford, not giving time to pay, and simply disregarding the person’s disabilities. Any entity that causes distress to another person should be made accountable, especially if they have no regard for the victims’ personal health and disabilities.

  • Type of harm to vulnerable adult – Emotional /Psychological
  • Meaning – Action or inaction by others that causes mental anguish.
  • Example – Action or inaction by others that causes mental anguish. Inflexible regimes and lack of choice. Mocking, coercing, denying privacy, threatening behaviour, bullying, intimidation, harassment, deliberate isolation, deprivation.

If British Gas denied or try to defend that they did not cause emotional distress then why would they have called the Police (Duty of Care) if that was not the case? British Gas could have pushed me over the edge, and they did cause me anguish, despair, and emotional distress.

Update To Ongoing Saga!

I wrote not so long about ‘British Gas’ and the problems I am having with this company and have decided to write a separate update to the continuation of my saga.

British Gas:

  • Failed to support me with mental health disabilities
  • Failed to offer an affordable payment plan even though I told them that I had contacted their charity and asked them to give me more time.
  • Tried to intimidate me to pay £190 per month even though all I owed at the time was £318.74 (according to the threatening letter date 16th July 2022) as seen below:
  • Caused me emotional distress and as a consequence, they called the Police. (A riot van rocked up on my street and I could see the twitching of net curtains from my neighbours whilst I was publically humiliated because of ‘British Gas’).
  • Sent out intimidating a threatening letter and email.
  • Finally agreed today (27/07/22) to £70 per month which I have been saying from day dot after 3 months of arguing, but then retracted on 04/08/22.
Letter – Address Redacted.
Email Received 27/07/22 With Different Amount To The letter.

Yet today 27/07/22 it has gone up to £328.38 (charging me an extra £9.64, not sure what for? they have overcharged twice) with average usage of £40 per month. I have been paying £70 per month as this is all I can afford and they are now trying to bully me by passing my debt to a debt collecting agency. I stated I would share this far and wide if they continue to use underhanded methods and I will be seeking compensation for the distress this has caused me. If you overcharge 1 million customers £10 you make a 10 million profit.

A quick recap:

  • In January I was paying £65 per month
  • In March it went up to £90 per month
  • In April it went up to £135.00 per month
  • In May it went up to £190 per month

As a consequence, I am now in arrears and have offered to pay £70 per month on the 6th of the month, including my own estimated Gas usage of £40 per month and my arrears spread over 12 months (I have reduced my usage purposely such as not cooking, washing up and am simply eating sandwiches and salads).

But British Gas are not having it, even going as far as to say “they do not support people with mental health or vulnerabilities“, (This was said on a recorded call). The customer rep I spoke with today 27/07/22 said that the previous customer rep was wrong in saying this and that British Gas does support people with mental health (but he would say).

Here are my meter readings which prove I use my own estimated usage of £40 worth of Gas on average a month.

“I Won’t Be Intimidated, I Know My Rights!”

Meter Reading 31st May 2022
Meter Reading 15th June 2022
(If I submitted a meter reading on the 15th, why would I have an estimated meter reading on the 22nd for £9.64 it makes no sense, furthermore I got charged
twice on the 22nd June 2022 & after the 16th July 2022 when the letter was sent out for the same amount, so in total, I was scammed £19.28).
Meter Reading 4th July 2022
Meter Reading 27th July – 4th August 2022
( I have used zero gas other than my charges of 33p per day).

I emailed them on 26/07/22 and have stated the above omitting the latest meter reading which I added on 27/07/22 that if they push my buttons I will contact mainstream media journalists and ask them to write about “British Gas”. This company like every other relies on business, customers, and investors for their charity. It won’t look good if I start singing like a canary. In fact, it won’t look good having the title of this article “British Gas Customer Intimidation”, or “British Gas Bullying Vulnerable People” on my other blog. I’m sure I am going to get some eyeballs.

It is not my fault that prices have gone up and if one does not have the money, to begin with, how are they supposed to find the money to pay for something that the 1% only benefit from?

I have also come across a website that an ex-police officer wrote about regarding harassment, the article is dated (old) but it only enforces how I have personally been treated by this company: https://www.peterloud.co.uk/britishgasfraud/harassment.html

Accenture System

There is obviously a fault with the billing system: “Accenture system could have performed at 101 percent efficiency. “British Gas uses bullying and is a threatening company whose call centre staff are among the most unpleasant and downright offensive, not to mention seemingly willfully ignorant and obtuse, in the market, and who wouldn’t know the meaning of customer management if you were to spell it out on their reply prompt screens“. Citation – https://www.mycustomer.com/marketing/technology/british-gas-what-difference-would-a-working-billing-system-have-made

2008

https://www.computerweekly.com/news/2240085992/British-Gas-sues-Accenture-over-problems-with-billing-system

2017

https://www.standard.co.uk/business/british-gas-fined-ps9-5m-for-failures-in-billing-system-a3448451.html

2022

https://www.thisismoney.co.uk/money/bills/article-10390767/Energy-bill-woes-pile-Complaints-overcharging-soar.html

https://www.moneysavingexpert.com/news/2022/04/british-gas-app-usage/

https://www.chroniclelive.co.uk/news/cost-of-living/warning-british-gas-glitch-leaves-23759085

Further Reading

https://uk.trustpilot.com/review/www.britishgas.co.uk?stars=1

https://www.cityam.com/british-gas-the-worst-firm-for-customers-from-bust-suppliers/

Note From The Editor

Intimidation happens in all industries and workplaces. A person who has stated they have a disability for example at the time of their interview has their disability disregarded when they start work, especially if they look fine. Disabilities can be invisible and just because you look fine on the outside you may be in excruciating pain on the inside. I sit in front of a computer screen, you would not know I am disabled unless I told you and people like to make assumptions, so “if he/she can talk on the phone or turn up for work there must not be anything wrong with him/her“, …wrong to assume. An employee may not complain for fear of losing their job and this is where managers take advantage.

I believe my email to general enquiries will get ignored hence I am turning it up a notch and sending a second one to customer complaints, I will give them a few days to reply.

I have come across British Gas complaints contacts; https://www.britishgas.co.uk/complaints/make-a-complaint-credit.html

You can do one of the following:

  • Fill in an online form
  • Online Chat
  • Phone: 0333 202 9532
  • Email Customer Complaints at: customercomplaints@britishgas.co.uk (I sent an email to this email and never had a reply, just saying).

I will be forwarding the email I sent this morning to the above email address.

I won’t be intimidated and I will use my voice to be heard.

If I have any updates I will post them here, but as it stands they are trying to use bully tactics. I am also going to reach out to the mental health charity ‘MIND’ to tell them about this company.

The party is only just getting started…

UPDATE 27/07/22

After receiving the email today I decided to phone the complaints number. I guess people who phone the complaints number get treated differently. I did not go on my high horse ranting, I spoke calmly and I gave my latest meter reading and you will never guess the person with a South African accent said that my £190 prediction was totally wrong.

I had in fact since the 4th July 2022 only used £12 worth of gas including their standing charges, hence they would accept my £70 payment plan which was re-instated today 27/07/22.

So all this stress and distress was for nothing”.

I honestly feel really unwell because of this company and as a consequence am finding it hard to contemplate my workload. I do feel very depressed because of them and feel they should compensate me for the emotional distress I have endured, I will wait and see how they respond to me in the next few days…

I did dispute the £9.64 and the customer representative said the £9.64 was from a bill generated on 22nd June yet I disputed this because my threatening letter dated 16th July 2022 would have reflected the bill on 22/06/22 and I received the inflated. (My threatening letter and my email does not marry up with my payments in the screenshot below). They are obviously pulling numbers out of a hat because I never gave them a meter reading on the 22/06/22 as shown in the meter readings above so where did the £9.64 come from? I was charged twice once when the bill was raised and again in my balance summary. Please refer to the screenshot of all my bills and payments. (If each customer has an extra £10 for argument’s sake added to their account for no reason and there are a million customers that would be £10M in profit that the company would make.

I have now been given two reference numbers the first for the £19.28 (I know it is a small amount but why should British Gas have extra money for the hell of it)?

Complaint number 1
7022412508 – £19.28 – Discrepancy

Complaint number 2 – 8013977142 – Treated Badly

I was told I have to wait 5 days to get a response… (which never happened – updated 04/08/22).

I have since logged into my account and screenshot my payment history and none of the balances reflect the amounts on my threatening letter or email that I received today, but they do reflect the £9.64 as mentioned by the person I spoke to today (although I never submitted a meter reading on the 22/06/22). The mind boggles.

Bills and Payments Summary.

UPDATE 04/08/22

OMG is all I can say. I decided to phone British Gas today in relation to the two complaints I made on 27/07/22 and was told that one complaint had been closed (the one where I was treated badly), oh really… who closed it and why?, and the woman I spoke to said that the complaint was about the £70 payment that had been set up but did not include my outstanding debt and that a debt collection would still come after me for the outstanding amount, which was now £344. She completely disregarded the fact that British Gas phoned the Police on me and the amount of anguish and emotional distress this company put me under. She kept asking what the Police had said when they arrived. The Police told me to let the CEO know and publish far and wide as they are getting a lot of calls with distressed people finding it hard to cope with utility providers and their bullying tactics.

My previous call on the 27th was a contradiction because:

  1. When I phoned the complaints number today and after talking about my complaint I was told I had phoned the ‘Homecare Department’ and not complaints. I have the previous complaint number published in this article and programmed into my phone. (What I believe happens if they do not want to deal with you is they come up with a BS excuse that you dialed the wrong number).
  2. The person I spoke with on the 27th said I would not have a debt collection agency chasing me but wait for it, today the woman I spoke to said the contrary, that a debt collection agency will continue to chase me and include debt collecting charges on top. I said that was a kick in the teeth considering I arranged a payment plan. (I think they move the goal posts as and when they please).
  3. I received an email yesterday that I could choose to be on a variable or fixed tariff. I am currently on a variable which means if the prices go up, so will my bill. With a fixed tariff, it stays the same for 12 months. I did not understand what that meant other than if I switched to a different tariff I might be signing a contract that I could not move to another provider, (according to the woman I spoke to on 04/08/22 that is untrue, yet I have since found out this is a contract and there is a £100 transfer fee if you move to another provider. It is just as well I am not on a fixed tariff after all and do not believe the BS this company tries to feed me). The woman I spoke to today 04/08/22 said I was not eligible for a fixed tariff, so why send me an email giving me the option to switch? (Not that I want to be in any contract with this nightmare company).
  4. I reiterated I wanted to pay manually online and the person I spoke to on the 27th understood that but sent out a magnetic card which according to the woman today meant I would NOT be able to pay online. She then continued to say I needed to set up a Direct Debit (not likely). Direct Debits allows British Gas or any organisation to help themselves to your bank account. She said as long as I made a payment today (which I did) no one would come chasing me. She also said she would text me with my complaint (I am still waiting).
  5. I said I wanted British Gas to explain themselves how they have caused me ‘Emotional Distress’ and ‘how it has affected me’ and what they are going to do about it. I am now preparing to publish this article across all the social media platforms including LinkedIn where I have nearly 11K followers. Let’s see how much British Gas will lose in revenue and donations to their charity when my followers learn that British Gas has nearly pushed me to breaking point, with a header title I plan to use: ‘British Gas Phoned the Police On Me’, I wonder how many connections will take notice?. I also have Chris O’Shea’s email. To think I am advertising their charity as per the request of British Gas, yet they do not pay me for the backlinks.
  6. Because of British Gas, my OCD has got worse, I have anxiety and panic attacks, I stress over everything, and have spiraled into a deep state of depression. I cannot face my neighbours because of the humiliation I endured. I struggle with work (I am self-employed and the Editor of this site, if I do not work, bills do not get paid). I am procrastinating and simply lack energy. This is affecting my health and my business.
  7. Low and behold I phoned the second time today to double-check what the first agent had said and she basically told me (NO) payment plan has been set and the only way I can have a set price I can pay on a monthly basis is if I set up a Direct Debit (they are intimidating people to set up Direct Debits because what is wrong with setting up a standing order or paying manually, there is no difference other that they do not have access to your bank account) and that providing I pay in September I will not have anyone chasing me. I was told to phone back on 22/09/22. When I said how British Gas has been treating me because of the miscommunication she did not escalate a complaint and just said sorry and it won’t happen again (I DO NOT ACCEPT THE APOLOGY and I am going to take this further).

UPDATE 05/08/22

Trust No One. Even after speaking to two people yesterday both saying they have done a payment plan and checked up with a follow-up call no payment plans were set up. (What happened was on the 27th I had a magnetic card set up but the first agent I spoke to yesterday said I could not pay online and canceled the payment plan but then reinstated a cash plan. So the second agent I spoke to yesterday said the same, yet today I have a totally different explanation and eventually have a magnetic card re-instated with a fixed payment plan).

Lies after lies after lies. So today I phone up checking up on yesterday’s phone call and the guy says no payment plan was set up. (He went on to say with a magnetic payment card I do not have to use it and that I can also pay online which was a contradiction to what the agent said yesterday).

I am getting tired of the💩 because they keep insisting I need to set up a direct debit which would mean they could help themselves to my bank account when the prices get increased rather than stick to a set payment plan.

I then discussed both complaints I made on the 27th and basically I was offered £10.00 compensation for the two over charges of £9.64 each totaling £19.28 (they obviously cannot count), which I refused as this is all part of the one complaint and I am not accepting anything less than £xxxxx for the complaint about my ill-treatment and emotion distress and the scamming.

I told the guy I am finding it hard to work, I just about can make updates let alone anything else. If I cannot work I cannot pay my bills.

Not only am I an Editor of several publications, but I am also a website designer, content writer, and digital marketer www.irenata.com So if I cannot work because of ill health, how am I supposed to run my business (www.ukwebsitedesigners.co.uk)?

So regarding my complaint about the ill-treatment by this company the agent I spoke to today who had advice from his supervisor said that ‘British Gas’ do not offer compensation for emotional distress. So they can treat you like 💩 and get away with it. Absolutely disgusting company.

So after speaking to two agents today assuring me that my debt is included in my payment plan, you won’t believe what I have just received by email, only an email chasing me for the outstanding balance.

I have phoned this wretched company yet again (this is my 3rd call today) to sort this out. I am sick to the back teeth with the antics that are taking place. God forbid someone who is more vulnerable, like an elderly person or someone with worse mental health disabilities to me or anyone with cognitive impairment and cannot argue their case.

Despite two agents assuring me yesterday, that I would not be chased for my debt I get the email today chasing me for the debt, (you cannot make this up) screenshot below:

In the third and final call, I made today the woman told me to ignore the email I received today. But this is causing unnecessary stress which I could do without. I have contacted the charity for an update and they are just saying it may take another couple of weeks. If after all this my grievance goes on deaf ears I will share this on social media and make sure that investors think twice before donating to this company. This is a company that does not care about its customers and its workers. This is a company that can treat their customers badly and thinks they can get away with it, this is a company that is causing people to have mental health issues.

What about my ‘HEALTH’ and other vulnerable people’s health, who have been treated just like me?

British Gas should not be able to treat people like something they stepped in and should be held accountable for their actions. British Gas nearly pushed me to breaking point as per the Police callout and they claim they will not compensate for the emotional distress I have endured, we will see about that…

https://www.theguardian.com/uk/2002/jun/06/felicitylawrence

https://www.mycustomer.com/community/blogs/slauchlan/british-gas-the-101-of-bullying

https://www.moneysavingexpert.com/news/2022/06/hundreds-of-households-wrongly-sent-legal-letters-saying-they-ow/

I am sick and tired of this company. I have now reported them to OFGEM.

OFGEM

Contact:

Energy Ombudsman complaints form or call 0330 440 1624.

#britishgas #britishgasintimidation #intimidation #emotionaldistress #harrassment #chrisoshea #jessicatappin

How To Cope With Anxiety.

How to cope with anxiety.

I do not know about you but somedays I feel like I am going to blow a gasket.

The number of times I hear people saying ‘SORRY’ when I tell them they are making me feel anxious is disgraceful. People, in general, may show kindness in the spur of the moment but caring is another ball game altogether. People only care if it directly affects them. Saying ‘SORRY is only sugar coating something or attempting to brush it off. Saying ‘SORRY’ has no meaning at all if there is no genuine gesture made. The other thing I have noticed with people is they use the blame game, “it is not us” it is them or you, and this can cause people to have emotional distress. https://disabledentrepreneur.uk/why-people-do-not-care/

Anxiety is a very unpleasant feeling of unease, which escalates into panic attacks, worry, or fear, that can be mild or severe. Everyone at some point in their lives experiences feelings of anxiety. Anxiety is a lingering feeling of perhaps worrying about sitting for an exam or having a medical test or job interview.

https://www.nhs.uk/mental-health/conditions/generalised-anxiety-disorder/overview/

However, anxiety can manifest into panic attacks where one may feel light-headed, nauseous, heart-racing, and breathless (hyperventilating). Other symptoms can be restlessness, insomnia, lethargy, tearfulness, sweating, trembling, lack of concentration, nervousness, and gastrointestinal (GI) problems.

Saying sorry is not going to cut it. If you make someone unwell through your actions you should compensate them and make them feel better again. Simply saying sorry is just a waste of energy, yours and theirs. (In other words, think before you speak). If you cause a person unnecessary anxiety because you have said something that can cause a person to feel distressed then you have to be responsible for your actions.

My Anxiety

Coping Strategy.

  • Keep busy.
  • Use breathing techniques.
  • Use hypnosis.
  • Count to ten.
  • Go into another room, and remove yourself from the negativity.
  • Distract yourself from the cause that is making you anxious.
  • Avoid looking at social media and news sites as much as possible.
  • Avoid watching movies with violence.
  • Avoid negative people.
  • Avoid alcohol and drugs.
  • Turn your phone off or set your calls to not disturb (silence calls).
  • Focus on something positive, a hobby, a goal, etc.
  • Keep a diary or use an online journal (we can give you space to write down your thoughts, just message us using the form below).
  • Learn something new, there are plenty of courses you can do (Udemy).

My favorite way to vent my anger and frustration is to voice my opinions online.

If you use social media the powers that be may reprimand you if they do not like what you write, but on my websites, I have free reign. I am my own boss and I can write pretty much anything I wish.

LinkedIn as an example the other day sent me a warning notification that I had breached the policy yet they did not explain what I had done exactly. I tried to reach out to a faceless company that has simply ignored my plea and am none the wiser about what I did wrong. This has caused me anxiety because at the flick of a switch they can suspend you with no regard to your livelihood and how it would affect your business. they can suspend you simply just because they can.

I try to use my own channels to voice my opinion because the only entities left that can penalize you are the search engines and the governments if they thought you were saying something out of turn. I wrote about online censorship on my other site.

Further Reading:

Anyway if you want free online space where you can vent or share your stories just message us using the form below and remember to distract yourself from the issue that is causing you distress:

#anxiety #panicattacks #hyperventilation #stress #emotionaldistress

Bus Passes For The Disabled.

Bus Passes For The Disabled.

You can apply for a disabled person’s bus pass or rail card if you have an illness and you cannot manage to walk long distances.

People with, mental, physical, and learning disabilities are entitled to apply.

The criteria are that you have to be receiving personal independence payments or a disability living allowance.

You or someone else can apply on your behalf, such as a friend, family member, or carer.

Once approved you will be able to travel for free by bus or get 30% off your train tickets.

Most applications are through your local council as they are the ones that are in charge of public (bus) transport.

Alternatively, you can contact your local Citizens Advice which can help you with the application if you need it. 

Applying for a railcard

You need to use this link to Find out if you’re eligible and how to apply on the National Rail website. Unfortunately, if you do not qualify, you will have to pay the full price for your train tickets. If your application gets rejected you cannot appeal.

Applying for a disabled person’s bus pass 

Criteria:

  • you are blind or partially sighted, deaf, or unable to speak.
  • you cannot walk very far because of a disability, illness, or injuries, such as multiple sclerosis or autoimmune disorder, or a mental illness.
  • you are immobilized you do not have arms or legs.
  • you have a severe learning disability.
  • you’ve been refused a driving license because of your health (but not because of problems with drugs or alcohol). (Although drug addiction and alcoholism is also an illness).

To know if you are entitled to a free bus pass visit the Government website on GOV.UK and see what evidence you’ll need to show if you are eligible.

If you live in London

You’ll need to apply for a ‘Disabled Person’s Freedom Pass’ instead. The eligibility criteria are the same as for the rest of England.

Follow the steps on GOV.UK to apply.

If you don’t qualify for a Disabled Person’s Freedom Pass, you can ask your council for a ‘discretionary bus pass’. Some London councils give these to people who aren’t eligible for a Freedom Pass but have problems getting around.

You might be able to use Dial-a-ride – a free door-to-door bus service run by Transport for London (TfL). You can become a member if you have a long-term disability or if you’re over 85 years old.

You can find out more about Dial-a-ride on the TfL website.

If you are refused a bus pass.

You can appeal to your council if your bus pass application was refused. Check your council’s website to find out how to appeal.

You can also visit your nearest Citizens Advice – an adviser will discuss your options.

Other help you can get.

If you are on a higher disability rate you may also be able to apply for a car, mobility scooter, or powered wheelchair.

If you’re eligible for a bus or rail pass, you might also be able to get:

It’s also worth checking you’re getting all the benefits you’re entitled to – you can use our benefits checker to easily find out.

Final Thoughts From The Editor

Remember you should get what you are entitled to and councils will not make it easy for you otherwise everyone would be doing it.

You have to stand up for your rights or have someone that can appeal on your behalf.

With this said my daughter who has multiple sclerosis and has relapsed, thus is starting her round of treatment of Lemtrada Alemtuzamab on the 4th of July 2022 and finds it hard to walk long distances is in receipt of Personal Independence Payments. Her review for PIP has been postponed and keeps being postponed every 3 months. I am my daughter’s carer and find that this is causing unnecessary stress for my daughter and I have cited that stress can cause people with multiple sclerosis to relapse.

I will come back with an update once I hear back from our local council regarding my daughter’s bus pass. I am finding organizations from Blue Chip Companies to Government Offices either are not fully trained when it comes to the consequences of their actions. A person who is relapsing does not want added stress to further make their illness any worse and God forbid become bedridden.

I have been on the Cardiff Council Travel Website: https://portal.tfw.wales/en/disabled There is no page that says for customers to appeal. I then proceeded to by phoning them and completely forgot the question I needed for this site (cognitive impairment) 🤣😂 although went on to mention my daughter and the woman I spoke to said that nothing was received from my daughter. She also said it is the council’s decision and not theirs, excuse me you are an agency part of the council.

Cardiff Council email address: travelcards@tfw.wales

Cardiff Council phone number: 03003 034 240 Monday to Friday: 09:00 – 17:00

Evidence shows that stress can be a contributing factor to causing relapses in Multiple Sclerosis patients, which can have a bidirectional relationship.

UPDATE 05/07/22

Email Received 05/07/22

Email Content.

Hope you are well.  

I regret to inform you that unfortunately, your daughter does not qualify for the Disabled Concessionary Bus Pass. As an organization, we are only able to approve applicants that score the points specified below on one or more of the following descriptors.  

Department for Work and Pensions (DWP) Personal Independence Payment (PIP) Statement of Entitlement, which shows: Department for Work and Pensions (DWP) Disability Living Allowance (DLA) award letter, which gives details of a Higher Rate Mobility Component (HRMC) award.

8 or more points under Descriptor 7 “Communicating Verbally”; or
12 points under Descriptor 11 “Planning and Following a Journey”; or
8 or more points under Descriptor 12 “Moving Around”.

Please note:  The PIP descriptors and their individual scores MUST NOT be added together. Unfortunately, as an organization, we are unable to carry out individual assessments, however, in this instance, I would recommend getting in touch with your local authority, who will be able to carry out an assessment to clarify if she is eligible for the pass.

Cardiff Council.
County Hall,
Atlantic Wharf,
Cardiff,
CF10 4UW.
Tel – 02920 872087 

Hopefully, this gives some reassurance that there are options that you are able to explore

Kind regards

Leila Rad-Andrews

My Comments.

The above email is inaccurate because the last time my daughter had an assessment was in 2018 and since then she has lapsed twice. My daughter has since done an online assessment test which states she has between 15 & 19 points.

Despite sending in multiple emails including my daughter’s PIP award they have had the audacity to decline my daughter a bus pass.

She is currently in hospital having Lemtrada Alemtuzumab treatment for her Multiple Sclerosis as she has relapsed and this is causing her unnecessary emotional distress which could lead to further relapses.

https://www.everydayhealth.com/hs/living-better-with-ms-guide/triggers-that-can-cause-ms-flares/

https://disabledentrepreneur.uk/zenas-online-journal-alemtuzumab/

“If it is found that my daughter relapses again because of the stress this is causing her, somebody should be held responsible”.

Update 07/07/22

As my daughter’s carer, I am shocked at how I have been given the runaround. Transport for Wales wrote to both my daughter and me in an email stating that she was not entitled to a bus pass because she did not have enough points.

I explained since the last assessment she has since relapsed and just come out of hospital for her treatment yesterday. So any changes will not be reflected. It is as if the arse does not know what the elbow is doing because when I phoned the number that ‘Transport For Wales’ gave me (which was the switchboard for Cardiff City Council) I was then re-directed back to ‘Transport For Wales’ who told me it was Cardiff City Council Hub-Team that I needed to speak to. I then phoned the number again and was told I had to phone 02920871071 which I did, who then told me I had to speak with the Library. I spoke with the hub/library two days ago and I was sent out an application form even though my daughter already filled one in?

We have submitted all the relevant information by email and we are simply getting the runaround. I finally got an email address advicehub@cardiff.gov.uk yet the hub two days ago said they do not have email addresses, yet today the number I phoned told me to go to the library (as if I am going to shut down my business to take time out is hilarious and beyond unbelievable 😂🤣)… and miraculously they found an email address 😂🤣.

According to ‘Transport For Wales’, my daughter is ‘NOT DISABLED ENOUGH’ to be entitled to a bus pass, even though she has ‘MULTIPLE SCLEROSIS’ and has relapsed.

My Daughters’ PIP Test States She Has 15 -19 Points: https://disabledentrepreneur.uk/zenas-pip-self-test/ contrary to her last assessment that was done a few years ago and since then she has relapsed twice and has just finished treatment. https://disabledentrepreneur.uk/zenas-online-journal-alemtuzumab/

I said in mid-flow of the conversation that this is to do with Government purse strings and the guy I spoke to had not got a clue what I was talking about (I have no words 😂🤣 ).

The criteria are as follows:

(One needs twelve points to qualify).

What the points criteria do not mention is:

(Conveniently)…

Do you experience:

  • Stress
  • Anxiety
  • Depression
  • Suicidal Thoughts
  • Intrusive Thoughts
  • Cognitive Impairment
  • Loss of Balance
  • Insomnia
  • Experience Pain
  • Numbness
  • Experience Light Headiness
  • Confusion
  • Lack of Concentration
  • Social Disconnection
  • Forgetfulness

I will update you once again once I get a response from the Advice Hub.

“I dread to think about what the stress could potentially do to someone with progressive autoimmune disease”.

I could feel myself blowing a gasket never mind someone with multiple sclerosis who has literally come out of hospital for treatment because of a relapse.

If you have any questions or need to be steered in the right direction do drop us a line using the form below:

#disabilitybuspass #discretionerybuspass #freebuspass #buspass #mobility #transportforwales #multiplesclerosisstress #multiplesclerosis #MS #multiplesclerosisresplapse

How Safe Are Smart Meters For Your Health?

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How Safe Are Smart Meters For Your Health?

WHAT IS A SMART METER?

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”.

CORPORATE BULLYING

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.

FURTHER READING.

https://www.amymyersmd.com/article/dangerous-smart-meter/

https://disabledentrepreneur.uk/cost-of-living-and-the-impact-on-struggling-low-income-families-entrepreneurs/

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’!

Courtesy of Mike Maloney, Ron Paul, Steve Forbes, Stayed Tuned To The Very End After The Credits.

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.

They will be made accountable, this includes:

  • Emotional Distress
  • Stress
  • Anxiety
  • Depression
  • Autoimmune Relapses

https://marketingagency.cymrumarketing.com/2021/03/28/rising-damp-black-mould-and-links-to-ms/

https://disabledentrepreneur.uk/stress-cognitive-function/

Preventing Mold.

Preventing mold through heating. It makes sense that people want to save on heating costs but one of the best mold prevention techniques is keeping your heating on. If you seriously want to avoid mold in your home then avoid rooms cooling completely.

https://www.viessmann.co.uk/heating-advice/6-mold-prevention-tips-for-a-healthy-home

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.

https://disabledentrepreneur.uk/cost-of-living-and-the-impact-on-struggling-low-income-families-entrepreneurs/

Therefore who is paying for this if not the British Public?

https://corporatefinanceinstitute.com/resources/knowledge/economics/brexit/

Health.

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”.

Furthermore, if corporations interfere in with people’s quality of life and make them ill they should pay damages. Black mold could lead to death. https://www.ehagroup.com/mold-iaq-services/toxic-mold/ So if I am to not use my gas and the black mold makes us ill then ‘British Gas’ should be made to pay for damages.

Creditors

https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/harassment-by-creditors/

https://www.theguardian.com/money/2020/mar/01/scottish-power-bills-bailiffs-accounting-chaos

https://forums.moneysavingexpert.com/discussion/5914630/eon-harrasing-bullying

https://www.pinsentmasons.com/out-law/news/debt-collection-can-be-harassment-british-gas-ruling-sends-warning-to-all-suppliers

Smart Meter Bullying

https://www.thisismoney.co.uk/money/bills/article-6584597/Energy-suppliers-bullying-customers-smart-meters.html

Useful Links

https://disabledentrepreneur.uk/useful-links-2/

Support

Anyone who has noticed ill health after having a smart meter or has been bullied by creditors can reach out to us by using the form below.

Together We Are Stronger!

#smartmeters #smartmeterdangers #utilitycompanies #britishgas #eonnpower #autoimmunedisease #radiation #radiowaves

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Stress & Cognitive Function.

Photo Credit Pixabay : Geralt
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Stress & Cognitive Function.

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.

Emotional changes

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.

Low self-esteem

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.

Cognitive changes

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:

Memory

Attention and concentration

Word-finding

Speed of information processing

Abstract reasoning and problem solving

Visual-spatial abilities

Executive functions

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.

https://pubmed.ncbi.nlm.nih.gov/31348932/

Notes From The Editor.

“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 people judging 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”.

Elon Musk for example has ADHD and suffers from Asperger’s syndrome and is the richest man in the world.

https://disabledentrepreneur.uk/category/famous-entrepreneurs-with-disabilities/

https://www.disabilityscoop.com/2021/05/10/elon-musk-says-he-has-aspergers/29332/

Further Reading:

https://www.msif.org/about-ms/symptoms-of-ms/cognition-and-emotional-changes/

https://www.news-medical.net/news/20181025/Stress-can-cause-memory-loss-and-brain-shrinkage-finds-study.aspx

#disabilityuk #disabledentrepreneur #multiplesclerosis #mscongintivefunctions #cognitivefunctions #stress #anxiety #judging #assuming #selfemployed #disabledselfemployed #depression

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Cost Of Living And The Impact On Struggling Low Income Families & Entrepreneurs.

DISABILITY UK – DISABLED ENTREPRENEUR

Cost of Living And The Impact On Struggling Low-Income Families & Entrepreneurs.

Content:

  • 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.
  • Mental Health.
  • Suicide Due to Cost Of Living.
  • The Government, Brexit, Deficit Spending and Debt Ceiling.
  • The Hidden Secrets Of Money – Mike Maloney.
  • Financial Difficulty.
  • Useful Links.
  • Final Thoughts From The Editor.
  • About The Author.
  • Possible Solutions – Start A Business.
  • Start A Second Income – Start a Business.
  • Disability Support.
Keep your business moving forward

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.”

https://inews.co.uk/news/ost-of-living-minister-rachel-maclean-struggling-bills-work-more-hours-better-paid-job-1631987

https://www.bbc.co.uk/news/uk-england-hereford-worcester-61478541

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.

https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours

23 and over21 to 2218 to 20Under 18Apprentice
April 2022£9.50£9.18£6.83£4.81£4.81
National Minimum Wage.

AVERAGE UK SALARY & OVERHEADS


🏠Rent/mortgage payment – £1,060

⚡️The average energy bill in 2021 was £95 per month but, based on our average family using an average amount of energy, this will rise to £153 per month.

📈Council tax payment – £189

💧 £56 for water.

💻Broadband inc television and landline average £80 per month.

📱Phone bills are £45.00 per month each.

🚝 Average commute would cost them £288 per month.

👨‍👩‍👧‍👦 Childcare costs have risen to £1303 with one child in nursery full time and the other in breakfast club.

🥘Feeding the family costs on average £424 a month.

Total Overheads: £3,598 x 12 month = £43,176.

Credit: Claire Wilson Recruitment and Careers Qualified Journalist | Early careers expert at Prospects, the UK’s No 1 graduate careers website|

SELF EMPLOYED ON A LOW INCOME:

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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

Total £1230

Outgoings Per Month:

£655 Rent

£262 Utility Bills (Water. Gas Elec)

£80 Telephone & Broadband (Without Broadband I cannot work)

£200 Food

£91 Insurance

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.
  • Tax Implications.
  • 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.

https://www.bbc.co.uk/news/uk-england-nottinghamshire-61429268

https://www.theguardian.com/business/2022/may/16/cost-of-living-crisis-immediate-support-from-sunak-a-moral-imperative-cbi

Mental Health

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“.

https://www.bps.org.uk/news-and-policy/bps-responds-spring-statement-warning-escalating-cost-living-crisis-will-have-long

Suicide Due To Cost Of Living.

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”.

https://www.thestar.co.uk/news/politics/people-in-sheffield-attempting-suicide-over-cost-of-living-crisis-says-city-mp-3698164

Approximately 75% of suicides occur in low- and middle-income countries (LMICs) where rates of poverty are high.

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5454768/

The Government, Brexit, Debt Ceiling & Deficit Spending.

Debt Ceiling

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.

https://en.wikipedia.org/wiki/United_States_debt_ceiling

Deficit Spending

Deficit spending occurs when purchases exceed income. It happens to individuals and businesses, but it usually refers to governments.

https://www.thebalance.com/deficit-spending-causes-why-it-s-out-of-control-3306289

Brexit

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.

https://corporatefinanceinstitute.com/resources/knowledge/economics/brexit/

Therefore who is paying for this if not the British Public?

You would not allow the public to make decisions about what goes on in your business especially if they had no clue about accounting and budgets?

The same should be said how can you allow a country to vote if they have no clue about economics and have not got an ounce of politics in their body?

If I was in power I would make everyone do an IQ Test and the ones that scored higher could only vote.

https://www.mensa.org/public/mensa-iq-challenge

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

Financial Difficulty

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

Useful Links

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).
  • Why are they hoarding this wealth?
  • Why can’t the Millionaires, Billionaires have a wage cap on how much they own, and the rest gets put back to help pay off the national debt.
  • Why do low-income families have to be punished at the expense of the privileged and wealthy politicians?
  • Why can’t we all live in harmony and stop being so God Damm Greedy?
  • What about the people that are disabled are they just thrown to the dogs?
  • Why are people suffering to the point it affects their mental health?
  • How many people have to die at the expense of the powers that be?
  • People who have got themselves into debt due to price hikes of utility bills should have the debt spread over a term of 3-5 years.
  • Utility companies should not make people feel like 💩 and be belittling and humiliating.
  • 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.

domain names IONOS - Official Partner Keep your business moving forward Generate Instant Publicity! 24-7PressRelease.com

Disability 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.

https://www.theguardian.com/film/2016/sep/11/i-daniel-blake-ken-loach-director-film-movie-benefits-system

https://www.mirror.co.uk/news/uk-news/real-life-daniel-blake-who-11881128

https://en.wikipedia.org/wiki/I,_Daniel_Blake

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#costofliving #mentalhealth #disabilities #finiancialdifficulty #pricehikes #poverty #brexit #deficitspending #debtceiling #nationaldebt #suicideduetocostofliving

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