can they touch my benifits

earwig

hi someone told me today down the school that crediter are not allowed to take money from your childbenifit or your tax credit as the money is for the children is this right as it is my only income my husbands income is delt with differantly as he is giong though bankruptcyand the or has done his buget but im not inculed on it as i am reciving the above benifits thiss is what the cccs told my husband to do and i have been left with six tousand pounds of debtand the min payments are more than i can afford
debt 6 thousand
income 223 per month

Broken_hearted

I told moorcroft this and they laughted (gits). I hope it's true though as I'd love to reduce some payments.

amosworks

Talk to them like it's common sense and "duuuh" them and they will actually go and check instead of laugh at you >:^)

fatbelly

No, there's no rule. There is, however, a strong argument that someone on income support (or JSA) by definition has only enough income to meet basic needs and so shouldn't pay more than token payments.

Your household income is above that level but your problem is that you have 6k of debt with any surplus income likely to be take by the OR in an income payment order. So I think the same argument applies.

I suggest you contact your creditors through a fee-free debt help organisation. You have used CCCS before, why not again?

fb

Broken_hearted

They just say keep paying or we will take you to court.

Alleycat

With benefit payments, you should make sure you have a (basic if needs be) account with a bank that is NOT affiliated with any of your debtors. I.e. if you have debt on your barclaycard, make sure your benefits are not paid into a bank/building society that is owned by the Barclays group.

I will see if I can find a link to any articles/sites that tell you who is linked with who.

ziggy2004

They also still have postoffice accounts and allthough I know they can be a pest they are just for benefits. also if you have a familymember living nearby that you trust you can ask to have the benefits paid into their account so your debtors can't get to it

Good luck

THE_LONE_RANGER_4

i suggest a token £1,00 payment stick your heals in and they will not get any more even if they take you to court, unsecured debt is difficult to get back if its all you can afford thats all you have to pay ignore dca silly requests etc all hot air reguards this in the large scheam of things is peanuts dont worry about it andrew

earwig

hi i have an account with abbey but no credit cards with them allthough my husband did have an account with them which i was on and went bankrupt on that account to the tune of 1500 pounds will i get chased for this

Addicted2Chocolate

if you did stop paying and they took you to court, whats the worst that could happen? would it be so bad if they did make you bankrupt?

earwig

yes it would be bad my uncle works at the court on the floor what deals with bankruptys and he would tell all my famley they dont read local papers luckey he has only started there a month ago so when my husdand went bust no one knew about it and they still dont it could only happen to me hows your luck