delboyuk2005uk
Prominent Member
I have been meaning to ask for help and advice for a few weeks now but have not had the energy to think or even type anything out.
Basically my girlfreind left with my daughter to go her mums nearly 13 weeks ago now. Since then my life has gone down hill. I was surviving up until about 9 weeks out of the 13. Anyway from week 8-9 I have been off work for depression
Last week was the worse in my life I hit rock bottom had a welfare visit from the police which ended up in my front door being kicked through as I hid on the roof.
Been sent to hospital to talk to people etc.
Since then I have started to pick myself up but I have a lot of stress on me at the moment. With regards to my girlfreind well ex and my daughter I have been seeing them all week.
Just when I think I am getting better and being able to work something just hits me and makes me feel low again. Anyway here is a bit advice I am after. The answer to all these is probabaly no but I am just making sure.
1) The front door, can I get this paid by the police? They said no of course. But to write into this address who will look into this further? Failing this can I get my house insurance to pay out for a new door?
2) Now the doc has signed me off work for 5 weeks from the 14/05/2010. To the 18/06/2010. I am only entitiled to SSP pay from work. IS there anything else I can claim I am in a mess with money with no income coming in at the moment. Will citizens advice help me or anybody else?
3) Can I have a mortgage break with my mortgage lender? How will this work and will this effect my credit rating or score in the future?
4) I have mortgage protection insurance but they have declined my application for the reasons below.
Accoriding to the information supplied. It would appear that you are presently unable to work due to a stress related conditon. Whilst I appreciate that your condition prevents you from working. Under the terms and conditions of your policy, no benefit is payable for any psychiatric illness or mental or nervous disorders, including stress reactions, unless you are under the continuing care of a consultant psychiatric specialist.
Now I have been to the docs about this they said they cant refer me to a specialist. But will write me a letter to say that the rules have changed about this. Thats all they can do some companies will accept this. But they still have the right to say no. So this is putting a lot more stress on me today.
5) I am off of course and on SSP pay. I rang me employers asking can I take holidays for the remaining time I am off work sick. They said no as I am signed off sick they have to do that. And any holidays I had booked in this time will be over ridden by this.
I think they said if I get signed back to work then they can do the holidays. But if I do get signed back to work then of course this will effect question number 4.
As if they do decide to pay out which is a big if I need to be off for 30 days off course.
Basically my girlfreind left with my daughter to go her mums nearly 13 weeks ago now. Since then my life has gone down hill. I was surviving up until about 9 weeks out of the 13. Anyway from week 8-9 I have been off work for depression
Last week was the worse in my life I hit rock bottom had a welfare visit from the police which ended up in my front door being kicked through as I hid on the roof.
Been sent to hospital to talk to people etc.
Since then I have started to pick myself up but I have a lot of stress on me at the moment. With regards to my girlfreind well ex and my daughter I have been seeing them all week.
Just when I think I am getting better and being able to work something just hits me and makes me feel low again. Anyway here is a bit advice I am after. The answer to all these is probabaly no but I am just making sure.
1) The front door, can I get this paid by the police? They said no of course. But to write into this address who will look into this further? Failing this can I get my house insurance to pay out for a new door?
2) Now the doc has signed me off work for 5 weeks from the 14/05/2010. To the 18/06/2010. I am only entitiled to SSP pay from work. IS there anything else I can claim I am in a mess with money with no income coming in at the moment. Will citizens advice help me or anybody else?
3) Can I have a mortgage break with my mortgage lender? How will this work and will this effect my credit rating or score in the future?
4) I have mortgage protection insurance but they have declined my application for the reasons below.
Accoriding to the information supplied. It would appear that you are presently unable to work due to a stress related conditon. Whilst I appreciate that your condition prevents you from working. Under the terms and conditions of your policy, no benefit is payable for any psychiatric illness or mental or nervous disorders, including stress reactions, unless you are under the continuing care of a consultant psychiatric specialist.
Now I have been to the docs about this they said they cant refer me to a specialist. But will write me a letter to say that the rules have changed about this. Thats all they can do some companies will accept this. But they still have the right to say no. So this is putting a lot more stress on me today.
5) I am off of course and on SSP pay. I rang me employers asking can I take holidays for the remaining time I am off work sick. They said no as I am signed off sick they have to do that. And any holidays I had booked in this time will be over ridden by this.
I think they said if I get signed back to work then they can do the holidays. But if I do get signed back to work then of course this will effect question number 4.
As if they do decide to pay out which is a big if I need to be off for 30 days off course.