How to divide household expenses when both applying for debt relief order ,help pleas

tracytaxi

My partner and I are both considering applying for a debt relief order .I know our income of child tax credits ,working tax credits ,Carers allowance and a modest wage from self employment should be preportioned by splitting tax credits in half .However how do we divide household bills ? As all of them are in my name but other half pays his share (half approx) as all our income just goes into the joint account and the direct debits for everything regardless whose name it's in comes out .
Advice most welcome ,also which intermediary has shortest wait ? I ask as interest is piling on .Also Vodafone have sent a bill for £335 if I don't pay it they will charge to end of contract £1,990 ( more than one line) if I do the relief order now can I just put the £335 which is also what is showing on my experian file most of my debts are not showing on my experian file .
I intend to be honest and put all debts down just wondered which amount to put as i have not yet been billed £1990. worried about keeping under the 15,000 limit thanks .
I am trying to sort this as I am not sleeping and not managing to get into work as a taxi driver as keep nodding off as up all night worrying ,and exhausted .
I am so ashamed to be here again ,I cleared my debts once by bankruptcy in 2008 ,then stupidly went back and my tax credits stopped and in the several weeks wait and I was in hospital ,I borrowed from pay day lender to live ,and cancelled sky and mobile accounts I had for both of us and got charged silly amounts for being early cancelling .
Its my own fault I know ,now I have a fantastic fiance ,who also has debts some his fault and some his now ex wife caused by fraudently taking credit with simply be catalogue and orange mobile without his knowledge in his name ,via the Internet ,,he has rang and wrote to both to report it and phoned police but they are still pursuing him and she has moved and we dont know where .Simply be said they did get our email in october 2012 and cancelled the credit limit and stopped her ordering more but up to that point she was paying it ! Now she defaulted and it shows on my fiances credit file ,she also ran up other debts in his name as he stupidly trusted her to change gas and electric over to her name right away when he was kicked out as she had found a new richer man a year after their wedding !!!!thanks sorry for going on

fatbelly

Hi Tracytaxi

A lot of your questions are best dealt with by your Intermediary.

You have your location as Plymouth. The CAB there (Coburg House, Mayflower Street) has a number of Intermediaries who, I think you will find helpful. Phone 01752 520 052 to start with.

Let me know if I'm wrong

tracytaxi

Thank you so many questions so little time as approaching the £15,000 thanks will ring them NOW

tracytaxi

Hmm no one available will try different branch

tracytaxi

Had a day of wasted phone calls trying to get a intermediary with no wait or who would help so down heartened

Vodafone

tracytaxi wrote: »

My partner and I are both considering applying for a debt relief order .

Also Vodafone have sent a bill for £335 if I don't pay it they will charge to end of contract £1,990 ( more than one line) if I do the relief order now can I just put the £335 which is also what is showing on my experian file most of my debts are not showing on my experian file .
I intend to be honest and put all debts down just wondered which amount to put as i have not yet been billed £1990. worried about keeping under the 15,000 limit thanks .

Hi tracytaxi,

If you'd like me to see how we could assist you with the Vodafone side of things here could you email me with your details via the link in our profile here?

All you need to do is copy and paste the link into your web browser and it will take you to the Contact us form on our website.

To ensure that it reaches me could you also quote the code WRT135 - MSE in the subject line and once our automated reply arrives update the thread with your email reference number and I'll get back to you as soon as possible?

Thanks,

Lee

Web Relations Team

Vodafone UK

tracytaxi

Hello Vodafone ,I have spoken to your advisors and have my termination figures thank you and yes it is that much thanks

Vodafone

Thanks for the update traceytaxi.

Should you need any further help you know where I am.

Kind regards,

Lee

Web Relations Team

Vodafone UK

tracytaxi

Hi I am hoping to do a debt relief order currently amount in arrears is £356 not had the termination amount added as of yet do I just put the £356 as the amount on the dro please ?