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IVA v DRO v DMP
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I think the DRO is going to be the way to go. I just need to keep an eye on any overtime i do. or i could start havinmg my hair cut
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My car I bought last year for just over £1000 I got it cos i needed something more reliable. (another loan I have paid off now from bank of mum and dad) I dont know the blue book value but i doubt it is worth more than £900 or so now as i have added a nice couple of thousand miles to the clock since
Out of all the options, so far it appears that a DRO could be a consideration. It really depends on the overtime situation though.
David.We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
looked online for value for car. says between £800 - £1200 depending on condition so right on the edge0
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Right, I wont waste any more of your time. i really really appreciate all of your helps. im going to apply for my credit report, even if just to find out who i owe money to now. and make an appointment to see CAB properly. at least i now have the forms i need so i can go in prepared. feeling much more positive. thanks0
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You're not wasting anyone's time. You should ask as many questions as you need to. Let us know how the appointment goes
David.We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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