Where to start?

pelirocco

crispycreme wrote: »

OK, so he's on a 9 hour contract, but took the job as they said it would be 6 days a week usually. This has been the case so far, but from what every one is saying, it seems something is not adding up.

I think you need to check the pay slips , especially for any ' odd' deductions

We are assuming he is over 21?

crispycreme_2

Yes we are both 28yrs.

National_Debtline

Are there any travelling expenses? Do you have a vehicle? [sorry if this question has already been asked]

crispycreme_2

OK, I'll check that all out tonight.

So do I approach the companys that are on my/DP credit file to say we are acknowledging the debts, or just deal with the ones coming through the door?

And the ones coming through to us, do I ignore them and go to the original creditor?

crispycreme_2

No travel costs or car at the minute, there was one but we dont have it any more.

National_Debtline

Thank you.

It's clear you are unlikely going to have spare 'surplus' money that you can use to offer towards your debts. You may wish to consider looking in to a Debt Relief Order. It's a possible option:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

ChasingButterflies

pelirocco wrote: »

I think you need to check the pay slips , especially for any ' odd' deductions

Also check that his tax code is correct, and isn't followed by W1 or M1.

crispycreme_2

His wage slips have 2 different tax codes (changed recently) Not 2 on 1 slip, but different slip, different code.Both end M1.

What does that mean?

LannieDuck

It's an emergency tax code: http://www.hmrc.gov.uk/incometax/emergency-code.htm

crispycreme_2

Thank you.

This is just getting messier as I go along.. Stressful.