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We have no choice !
jessie-jane
Posts: 129 Forumite
We took advice from CAB in 2010 and they cofirmed our only option was BR, in the mean time they sent letters to our creditors and offered token payments which we have been paying ever since.
I have done a SOA and as you can see we have no way of saving for the BR fees and have only just found out about the charities that may be able to help..going back to CAB in april to look through these options.
A little background about us 2 adults and 1 teenagers going off to uni in sept. OH works full time and i work part time, due to having a back condition ( so days worse than others ) never no from one day to next what back is going to be like, off to c consultant again soon, hopefully a new wonder drug to be pain free would be great.
All the depts have built up over the years when OH used to deal with the finances ...BUT I now do this and have done for the last 21/2 years.
Just have a couple of questions would we beter both going BR as i owe approx 14500, OH owesapprox 46000, including 1 joint overdraft, wondered about DRO for myself and BR for OH.
We didnt take advice and thought the best option was to sell our home and rent back , so we could pay off all our debts...unfortunately we didnt know about full anf final and so paid off as much as we could but this still left balances outstanding hence the mess we are still in now....my head is a real mess at mon and just want it all straight for once and for all.
sorry for the waffle but its defo good to talk.
I have done a SOA and as you can see we have no way of saving for the BR fees and have only just found out about the charities that may be able to help..going back to CAB in april to look through these options.
A little background about us 2 adults and 1 teenagers going off to uni in sept. OH works full time and i work part time, due to having a back condition ( so days worse than others ) never no from one day to next what back is going to be like, off to c consultant again soon, hopefully a new wonder drug to be pain free would be great.
All the depts have built up over the years when OH used to deal with the finances ...BUT I now do this and have done for the last 21/2 years.
Just have a couple of questions would we beter both going BR as i owe approx 14500, OH owesapprox 46000, including 1 joint overdraft, wondered about DRO for myself and BR for OH.
We didnt take advice and thought the best option was to sell our home and rent back , so we could pay off all our debts...unfortunately we didnt know about full anf final and so paid off as much as we could but this still left balances outstanding hence the mess we are still in now....my head is a real mess at mon and just want it all straight for once and for all.
sorry for the waffle but its defo good to talk.
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