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Do I Risk Losing My Son to Go Back to the UK to Deal With My Debts? – Maria

“Dear Jon,

I have tax credits overpayments of nearly 2000 pounds and credit card debts of 2600. Have left the uk with my son who is disabled. Dont have a job in South America. What are my options. Shall i go back to the Uk and risk my son taken away from me by social services because of my depression and also the fact htat we are now homeless there? Or shall I wait for my creditors to contact me?mPlease help i am desperate, i cant sleep.

Shall i go back to the Uk and risk my son taken away from me by social services because of my depression and also the fact htat we are now homeless there? Or shall I wait for my creditors to contact me?m Please help i am desperate, i cant sleep.

Maria”

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The Answer

Maria,

I can understand this is a difficult time, and will try to advise you as best I can, but you may need to seek other support as well.

You are dealing with and asking about two separate issues; your debts in the UK are the least of your concerns, so put that aside for now.

The debt you have in the UK is not an issue as your creditors may or may not chase you for payment and may not bother as you are outside the UK.

The questions I would ask are:

Where do you and your son want to live? Do you have accommodations or family in SA? Why did you move to SA?

Your son would not be taken from you by social services just for debts, what else is going on? If your son is a priority and disabled, where are his best interests? Does he require any treatments that were provided in the UK? Do you need any assistances or treatments/medications that were provided for in the UK?

The debts aside, you need to look at the issues of where to live and what it is you want for you and your son. The debts in the UK can always be dealt with, not a problem.

Sorry to have so many questions, but it is only to better understand your circumstance and how to advise you.

Let me know.

Regards,

Jon

Do I Risk Losing My Son to Go Back to the UK to Deal With My Debts?   MariaJon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

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  • Maria

    Dear Jon,

    Thank you for your answer yes my son is disabled and had treatment in the UK. Now living in South America and getting treatment for him.  I am currently disputing the overpayment of tax credits and have paid my credit card debts. We have family and accomodation here in South America, but not a proper job.
    Now thinking of going back to the UK as I am much better with my depression, thinking of going back to my ex , he lives in a one bedroom flat and we may have to apply for a transfer to the council to be able to get a two bedroom place.
    I have had dealings with social services in the past due to the fact my son is disabled and needed to get some support from them. My question would be would it look bad in their eyes if I go back to the UK now after being away from the country for 8 months? as I dont think I will be entitled to any dla for the first 6 months of my return because of residency criteria and therefore would they make my life hard and risking my son?
    Any comments are greatly appreciated.
    Kind regards,Maria

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