Hi there I have a few questions

liggerz87

Nothing to worry about as sour and fat belly have said you may get credited asking to contact them the insolvency service will get in touch with them some don't I just wanted the letters and so on to stop so I contacted them myself and gave dro number and it stopped

KazzaR

ThNks for your replies. I don’t get tax credits at all now that was an old debt from last year. Will they try and chase me for the  full amount after 12 months? This is extremely worrying. I just want to relax but it’s hanging over me😪

kaz

fatbelly

Do you get any DWP benefit, like Universal Credit?

Can you check what you agreed to? Was it specifically 'a penalty under section 115A of the Social Security Administration Act '

Look, the worst case is that you did agree to one of these and have to pay that debt back after the DRO finishes. I have one client who pays their debt off at £5 per month. It's not a big deal.

KazzaR

I have no idea but I know I haven’t been accused of fraud. 

I showed payplan this letter and he wasn’t fussed by it and entered it into my DRO.
honestly I’m still so stressed out😩

kaz

fatbelly

Hi - It doesn't stop the debt being a qualifying debt so it goes in the DRO
Now that letter does not look like an administrative penalty to me

KazzaR

Thanks fatbelly you have made me feel so much better I do appreciate it

kaz

KazzaR

Do you think I have anything to worry about in regards to hmrc after the 12 months?

thanks again sorry for all the questions 🙈

KazzaR

Oh and no I’m not on any benefits at all apart from child benefit

kaz

fatbelly

I have had some treatment myself for anxiety this year (well it's been that sort of year) and what I've noted is that the things I am anxious about never come to be a problem, and the problems I have had I couldn't have seen coming if I tried.

So no I can't see anything to worry about.

KazzaR

Thanks so much for taking the time to reply and ease my anxiety. I have hidden from my debts for too long and they spiralled. I’m so proud that I took the steps to do a DRO it was difficult as I am scared talking to people on the phone but I have to say the 2 people I was dealing with at PayPlan were just simply amazing!!!!!! 

Thanks again

kaz