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Bankruptcy again amd soa :(
Comments
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Try step change they are a lot more understanding. I never recommend payplan as they have very B&W thinking, it's why I ended up with a paid DMC.
How much does your wife owe?
Councy tax, rent, water, gas and electric are priority bills, everything else are non-priority debts and outgoings.
Do lodge a complaint with the council and if they do send a summons ensure you attend the hearing as you will get instalments agreed.Mortgage started 2020, aiming to clear 31/12/2029.0 -
Sorry was meant to say pay plan another government free debt charity but I will call national debt line tommrow0
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Hi, just to say that I'm another one who would recommend StepChange. https://www.stepchange.org/Bruiser2018 said:Sorry was meant to say pay plan another government free debt charity but I will call national debt line tommrow
They helped me so much. Were very kind and helpful and not at all judgemental. (Which meant a lot as I felt really embarrassed about the financial state I was in.)
I also think a DRO would be more suitable for you and it's only £90 to apply for. Your total debt doesn't appear to be high enough for bankruptcy.
I'd also recommend just not rushing into anything. I know it's very tempting to think you want to get rid of it all immediately but you need to just take a step back, discuss your situation with someone who knows what they're talking about - as I say, I recommend StepChange! Talk through all your options then decide, together with your wife.
Also, yes! Please do lodge a complaint with your council, they are supposed to help people not condemn them. They can't just 'send bailiffs out' anyway, they have to apply to a court first and the court has to notify you.
Good luck, you can do this.
Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.0 -
As said please don't rush...get a basic bank account sorted stop paying non priority debts.
Get all your ducks in a row.
The more time going into planning..the easier the experience1 -
Can anybody recommend a basic bank account thank you I will speak to stepchange again in the morning and national debt line last time speaking to stepchange, they also recommended bankruptcy but nobody can tell me why a much cheaper debt relief order is not appropriate? They just say its because of my hire purchase cars.0
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Basic bank accounts..Nationwide..Barclays. Co op all get good reports on here...0
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I'll have a look into barclays thank you0
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Stress it must be a basic account0
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Thank you will look at basic accounts now do HSBC provide one ?0
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They do but not as BR friendly0
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