Newbie and in debt

debt_doctor

Eligability test 1 ) is about having the right to live in the UK. Any children under 16 or up to 19 and in full time education would allow the family to pass the priority need tast ( test 3 ). Vulnability is an extension of test 3 and may apply to someone elderly, disabled or other investigated reason.

DD

fiveyearplan

Thats comforting. If my house does get repossessed then I pass all 5 points.

betterlatethannever

Just wondered about point 4, a local connection? does that mean living in the area a long time/working in area or family in area?

fiveyearplan

It would certainly include living in area and working in area not sure about family in area though.

debt_doctor

Point 5 local connection means that the applicant has lived in the area for 6 out of the last 12 months or 3 out of the last 5 years. You can also have alocal connection if you or your partner work in the area, either paid or unpaid.

Local area connection for family living in the area has no legal definition but guidlines state that if you have a parent, adult child, brother or sister, and they have lived in the area for at least 5 years and express a wish that you live near them then that is enough to establish local area connection.

Best

DD

selectcase

Just a small point but i have a co-op basic account and they are briliant plus you get a cash/debit card. we have lived for 2 years on this account and prefeer it to our old current account

direstraites

Well topping off a bad start to 2008 i now have lost my job 2 weeks before going br :eek: Going tuesday this week to fill in the forms and dont know if this a good thing or bad to lose my job?

tigerfeet2006

Well it definatly means you are insolvent! Also you should be exempt from the court fees as well.

Hi, If you click on this it should get you to the ex160 form

http://www.hmcourts-service.gov.uk/c...orms/ex160.pdf
http://www.hmcourts-service.gov.uk/c...rms/ex160a.pdf

One is the form, the other is the guidance.

direstraites

thanks for the links :beer: printing off as we speak

debt_doctor

Well as tiger says you will be exempt from the court fee,and no IPA, I seem to remember that you have 3 children so if there is no one working now you will get around £ 250 per week in benefits, no rent or mortgage to pay, no council tax to pay and TOTALLY DEBT FREE.

Why not take a bit of time out and spend it with your family, I did, it certainly worked for me !

Best,

DD