Dla

shelley70

Can anyone out there advise, I have 12.500 of debt 6.500 of which I am repay without hitch, 7000 trying to sort something out.

Today I have been in contact with debt free direct, given her all details of income and outcome, she tells me my daughter high rate DLA is classed as family income, DLA say it isnt, its in my daughters name and its sole intention is to make her life easier, she is 12 and severely disabled, we do have as well a motability car. Can someone advise me if this is correct, because I cant see how this can be right, she recommended taking out an IVA for all of my debt, and adding my husbands credit card to it to make it up to 15000, but says the DLA is additional income.

Id appreciate any help or info on this.

Thanks

Shells

RAS

Hi

Please speka to one of the debt charities provide the same service as DFD at no cost and will have more ideas on DLA.

IVAs are only suitable for a very few people and you are probably not one of those.

An IVA would earn somewhere round £5-700 in fees for DFD however.

To quote Martin:

Stop debt collectors harrassing you for 30 days
These non profit agencies are also the ideal people to go to if you're being harassed and bullied for payments by debt collection agencies.

An agreement between the Government and Credit Services Association, the body that represents debt collecting agents, gives new power that guarantees debt collectors won't contact you for at least 30 days, provided you've sought debt help.
The debt counselling service will inform collectors, who'll then give you a month's breathing space to get yourself on better footing.
The places we'd suggest contacting are:

• Consumer Credit Counselling Service: Full debt help service. Link: CCCS Tel: 0800 138 1111 Opening times: M-F 8am-8pm
• National Debtline: Full debt help service. Link: National Debtline Tel: 0808 808 4000 Opening times: M-F 9am-9pm, Sa 9.30am-1pm
• Citizens Advice Bureau: Full debt and consumer advice service. Link: Citizens Advice or visit your local CAB centre (find nearest) Opening times: different for each bureau
• Christians Against Poverty: Debt counselling agency, which specialises in helping those who are emotionally struggling too. The religious focus is why they do it, not how they do it. Link: Christians Against Poverty Tel: 01274 760720 Opening times: different for each bureau
• Community Legal Advice (includes Housing Duty Scheme): Legal advice on a wide range of issues for those on benefits or a low income. The Housing Duty Scheme gives free advice by phone or at around 100 courts across England and Wales if you are in danger of eviction or repossession.
  
  Link: Community Legal Advice Tel: 0845 345 4345 (or text 'legalaid' and name to 80010 to get a call back) Opening times: M-F 9am-6:30pm, Sa 9am-12:30pm (from 4 Apr).
• Local agencies: There may be a local debt help agency in your area, if so check it is non-profit or a charity, before signing up.

immoral_angeluk

I work for the CAB and when doing financial statements to send to creditors we never include DLA as that money is simply to compensate for the additional costs required of being, or having someone who is disabled in the family.

shelley70

Thanks for that, I will contact.