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pension payments and creditors...
helsee
Posts: 119 Forumite
hello all just looking for some quick advice!
Hubby and i have quite a bit of debt but have managed to pull things round via budgeting and basically adopting a whole new lifestyle and have goinf bankrupt (yay!) and are slowly chipping away at our debts by making monthly payments as agreed with our creditors.So far so good, right?
However we are having problems (again
) with Halifax who are telling me they wont accept out offer because i have a pension payment on my list of outgoings and they say because this is an optional thing i have chosen to take on then they have the right to ask for higher payments than i am offering. So, i pay (a paltry i know ) £25 a month into a pension and they are saying i have to up my payment by £25. When i said no can do this is my budget, this is my offer they said i can cancel the pension. I cant and wont, no one else has an issue with it?!?
sorry for the ramble, but please can someone advise me, are they just trying it on to try and get me to up my monthly repayment???
Hubby and i have quite a bit of debt but have managed to pull things round via budgeting and basically adopting a whole new lifestyle and have goinf bankrupt (yay!) and are slowly chipping away at our debts by making monthly payments as agreed with our creditors.So far so good, right?
However we are having problems (again
) with Halifax who are telling me they wont accept out offer because i have a pension payment on my list of outgoings and they say because this is an optional thing i have chosen to take on then they have the right to ask for higher payments than i am offering. So, i pay (a paltry i know ) £25 a month into a pension and they are saying i have to up my payment by £25. When i said no can do this is my budget, this is my offer they said i can cancel the pension. I cant and wont, no one else has an issue with it?!?sorry for the ramble, but please can someone advise me, are they just trying it on to try and get me to up my monthly repayment???
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Comments
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There was something on here previously about paying a monthly donation to their church, and a creditor didn't like it.
The pension is likely to be seen as a saving so non-essential, what does your DMP provider have to say about this, i assume your using National debtline/CCCS/PayPlan. Have you asked them about it yet?
Even if you stopped it, they wouldn't get £25 more as the £25 would be split amongst all your creditors anyway.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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