On Payplan but now ill

wales2309

Not sure if this is the best place to post this.

My husband currently pays through payplan but has recently been diagnosed with a cronic illness (psoriatic arthritis). He has reduced his monthly payment as he's off sick untill his medication is sorted and as yet is unsure when he will get back to work.

What I want to ask has anyone every had their debt written off due to an illness which could reduce thier ability to work therefore take longer if never to pay off the debt. How should we go about this.

We also have 2 credit cards which were managing to pay over the minimum off each month - these are in my name and are happy to continue with there.

Any aedvise would be great
Thanks

Culex

He may be eligible for Disabled Living Allowance.

Tixy

Getting a creditor to agree to write off debtsdue to ill health is extremely rare. I think it does very occasionally happen as a goodwill gesture in cases where a patient is terminally ill and is not going have an estate following death that the debts could be paid from.

I think in your husband's case it would be very unlikely. It sounds like there is a chance he will be able to work in the future. But they should be happy with your reduced payments or even token payments if that is all he can afford until he is working again.

dancingfairy

I depends very much on how long you've been on the plan, whether it's with original creditors or not etc. It's worth a shot but not sure how successful you'll be.
They will have to accept a smaller token payment for now though and when things have settled down you may want to review the situation and see whether a dmp is worth continuing with or whether a DRO/Bankruptcy etc may be a better solution.
I am presuming you mean you are on a dmp with Payplan and it's not an IVA?
Have you checked to make sure you are claiming all the benefits you are entitled to?
Best of Luck
df

wales2309

Thank you for the replies.

We are only just starting to look at benefits etc. As they as trying to sort out his medication fingers crossed he will get back to work soon.

We don't want to go down the bankruptcy route as in the future we want to buy a house together. I bought our current flat on my own and have a mtg.

I think we'll play it by ear, pay a token/reduced amount while he's off sick.

Thank you again for your help

Culex

wales2309 wrote: »

Thank you for the replies.

We are only just starting to look at benefits etc. As they as trying to sort out his medication fingers crossed he will get back to work soon.

DLA could still be payable even if he's at work.

moirab66

We were with paypal from 2000 to 2007 they didnt help us at all, we are still paying the same debts today as we were then thanks to them not freezing any interest with our creditors, we took on the job ourselves and found when we spoke directly to the companies we owed they were very helpful and came up with a repayment plan.

Tixy

Payplan cannot make the decision to freeze interest. All any DMP company (or any individual person) can do is ask the creditors to freeze interest and if they say no ask them to reconsider - often on a DMP you find some creditors will and some won't.