Aqua Card Debt

Skinnymoo

I have offered Aqua a repayment sum(token) towards my debt, sent in my expenditure list, they have replied saying they cannot set up any repayment plan until they receive proof of income and a list of creditors, balances and how much i am paying them. Do I need to provide this info, and if not what should I tell them?(in writing). Thanks.

Tixy

Hi

You don't have to send them any of that info. What have you sent them so far? Just a list of your expenditure? It is usual to send an income & expenditure account showing the amount left for debt repayments.
Certainly don't send any proof of income to them (or anyone unless its a judge).
With regards to a list of creditors I would not send a breakdown but would show at the bottom of your income & expenditure the total amount owed to unsecured creditors. So for example

Unsecured credit debt (6 creditors) - £4800.

I assume that you as you are paying token payments all your creditors are getting the same amount? Do the token payments multiplied by the number of creditors equal the amount left over on your income & expenditure? If so I would write something like on the bottom of the I&E

Token payments to unsecured creditors (6 x £5 each) = £30.