DRO application help please

username200

vics1928 wrote: »

That means after rent etc you have about £100 for bills and food etc how are you making that work - post an SOA so people here can give advice on how you may improve your situation

thanks but I dont need that right now, I know we are in poverty but so are loads of families since the global crisis and all the cuts and reforms. We are not eating a couple of days a week as I said, so that the kids are not too malnourished.

My biggest worry is sorting out all the debt collections people after me and my husband not finding out, he has enough worries and this would send him over the edge.

So I would be so grateful if someone could give me a clear answer to my questions asked before about how a Dro is worked out for gas,electric,water and council tax? When its just the wife applying on her own and do not want to involve my husband, but is it considered we share the bills 50/50?

Anondebtadvisor

If your council tax, water, utilities or any other debts are in joint names with your husband, if you do a DRO they will continue to chase your husband for the debt.

If you do a DRO, it will only help you with your liabilities bot your husband so he will continue to get chased for payment

username200

Anondebtadvisor wrote: »

If your council tax, water, utilities or any other debts are in joint names with your husband, if you do a DRO they will continue to chase your husband for the debt.

If you do a DRO, it will only help you with your liabilities bot your husband so he will continue to get chased for payment

The advice I got from someone was I could put my half in the Dro, and then my husband can slowly pay off his half.

DevCoder

You need to be honest with your husband about the DRO, he will find out. Marriage is built on trust not hiding things from each other.

Anondebtadvisor

That is not correct usernme200 - Joint and several liability "If you have taken out a credit agreement, such as a loan or bank account in joint names (with another person) then you are both liable for the full amount of any debt".

You are both full liable for the whole amount - so if you go into a DRO they will continue to pursue your husband for the entire balance

sacha28

OP I know things are stressful but getting stroppy with the wise peeps on here is not going to get you sensible answers.

People have advised very clearly that if you do a single DRO application for the debts that are in your name then they will be cleared, if you add in there the debts that are in joint names that makes your husband liable for them.

How do you think he's not going to find out about this? And if you take away your liability by a single DRO application and you don't start earning more or moving somewhere cheaper, then how is this going to help in the long run? You will still have the debts, just transferred soley onto your husbands shoulders.

I have been where you are, we have just been discharged from our DRO, so I know how desolate you must feel but you need the support of your husband. I'm sure he probably realises more about your financial difficulties then you give him credit for (not all men are completely thick, just most of them ). As for his credit rating, if you haven't been paying the utilities that are in his name but you were responsible for (companies really don't care about who was 'responsible' in the relationship, it's who's name the account is in) then he will have many defaults on his credit file now so it's irrelavent, it's shot to pieces.

NB...All DRO's are single applications, they don't do 'couple' applications, you just fill the forms out together noting all 'joint' debts and adding anything personal to you.

macbabypam

Surely the debts for your utilities are your OH responsibility too. It will be much easier to get through this by supporting each other.

No one should be that they are not eating a couple of days a week to pay rent. Have you checked out local food banks and charities that will help you access them ?

It seems to me that you need to seriously reconsider where you are living, you can't go on indefinately this way.

username200

macbabypam wrote: »

Surely the debts for your utilities are your OH responsibility too. It will be much easier to get through this by supporting each other.

No one should be that they are not eating a couple of days a week to pay rent. Have you checked out local food banks and charities that will help you access them ?

It seems to me that you need to seriously reconsider where you are living, you can't go on indefinately this way.

I dont want to go into it but we have to live here. I know its hard these days but its hard for many now and going to get harder by the look of things.

We are doing the fast diet, two days a week with no food, partly because we cant afford and partly for health.

I still do not understand how things will work for bills and things that I owe. They are now talking about fitting prepay metres if I still cannot pay.