Each year Martin Lewis and Money Savings Expert produce an incredibly helpful booklet especially for mental health sufferers with money advice and debt advice. They key message from Martin Lewis is that all debt problems are solvable and this Mental Health and Debt Guide can be a valuable guide to sorting out debt problems. Debt worries can be overwhelming and debt recovery letters very intimidating and contribute greatly to anxiety and depression illnesses. But on your own or with the help of a carer or friend, using this guide; you can tackle the problem and resolve the crisis.
I have a lot of time for Martin Lewis of Money Savings Expert, for his advice on consumer finance and his annual debt advice booklet for people suffering with mental health illness.
He is also the face of the Money and Mental Health Policy Institute, based in London UK. I am proud to contribute to their research by being a member of the research community. This involves completing online questionnaires and surveys from time to time. There is no obligation to complete all surveys and there is also an opportunity to partake in online discussion groups.
I had been receiving DLA and then PIP for the past 5 years or so, because of my mental health and Ulcerative Colitis. Following a mid award review which started in August 2017 and a medical assessment by Capita in November 2017, my PIP award ended on the 11th December 2017.
I have been reflecting on this a lot over the past 6 months. Financially the impact was significant, as it meant I also lost my Tax Credits award from the 11th December, and any day I expect a bill for £500 over payment following the year end tax credit review.
I have been lucky and been able to earn a little more money through the work I do and been helped by family.
I have been receiving PIP for a few years and was asked in the Summer to confirm my current health situation by submitting a medical questionnaire form back to DWP. I think I may have blogged about my quandary and in the end I confirmed that my ability to dress and bathe had improved. I then had an anxious couple of months waiting to hear further from the DWP. Then I was asked to attend a medical assessment with Capita on the 10th of November.
I attended a DWP Medical Assessment with Capita in Northampton following a review for being submitted in August.
During the Assessment the assessor said that she was not there to advise but she thought I should go back and see my GP.
Having talked about my illness with the assessor I have realised that my anxiety has got worse. I can separate my mental health illness into three areas Generalised Anxiety Disorder (GAD) , Social Anxiety and Depression.
Today I had a Medical Assessment with Capita for my Personal Independence Payment (PIP) review. As I spent some (a lot of) time researching their location in Northampton and have now been there, I thought it might be helpful to share directions to and how to find Capita PIP at Charles House in Derngate Northampton and parking information.
I will blog separately about my experiences of the PIP Medical Assessment process.
I thought I would share with you what I have learnt about the financial help that is available to those with a disability. This blog is based on my experience of claiming benefits and getting financial help as I have a long term ill health in the form of a mental illness and Inflammatory Bowel Disease. I have linked the benefit types to relevant part of disability benefits on GOV.UK website
Early in August I received a Personal Independence Payment (PIP) Review form dated the 6th August 2017, which is called a ‘PIP Award Review – How your disability affects you’. This came as a surprise (shock) because my PIP award is to August 2018. I have felt anxious and overwhelmed by the prospect of completing the form and the implications of the review: will it change my PIP Award, which could then effect my Tax Credits award (which I now claim as I work part time at home on a self-employed basis).
I have a lot of time for Martin Lewis and MoneySavingsExpert.com I have found his advice on various matters including: insurance, utility providers, benefits and debt management very helpful over the past years. I also acknowledge that my financial situation had a significant contribution to my breakdown in 2009.
I find MoneySavingsExpert website very useful for all money matters, including borrowing, shopping codes and alerts for discounts etc. I also think the free booklet ‘Mental Health & Debt Guide‘ specifically written for those with mental health problems is an excellent publication. Find out more here