our new jobs means wife can't pay a penny to her debts

stu12345_2

how does my wife now ask for her debts to be written off, thus show that household bills are divided 50 50 between her and husband( me)  in any income expenditure SAO

(  side note , should she also  write to debts that are temporarily unenforceable or to creditors that ignored her CCA requests)

in that after doing so means she cant make any payment at all to creditors as she is now in negative financial state.

 and explain or not explain to creditors where my contribution  actually covers the shortfall in household bills (  after wife has made her contribution ) as I earn more  than her. and thus overall household bills are still paid and maintained.

and  explain or (not explain )that due to my earnings, we would not be entitled to any benefit eg universal credit, council.tax benefit ,as total money coming in is over any benefit  help threshold ( we have used entitled 2 website and it calculated no help)

( note, would wife make an equal split towards car expenses, which make up a lot of monthly costs( £1000 car owned outright by me) even though car ownership, insurance  etc is in my name,)( it is a household expense though and she does use it)

( I discussed a DRO a few months back with CAB and they said car expenses can only be applied to the owner of the car,me, as a DRO is individual, not a  shared household SAO expense, but this post is not about a DRO, just household expenses and splitting them and showing she is in negative  financial situation)

and that her part time wage is all she has and state she owns no assets eg car or house or any  significant savings.

and  thus creditors  applying for a ccj  or creditors  making her  bankrupt would result in nil payment from wife and economically unviable for the creditor.to apply for

the only proof of her  new low earnings if creditors demand proof will be bank statements showing new wages going in, but as she is about to start this part-time job in a couple of weeks , she won't have any statements showing this yet 

( she opened a new basic bank account yesterday, for her new wages, cos some debts are with her current bank, and any new bank statements going forward will thus  show few transactions)

we aren't retired , or sick
it's just a case of wife's wages being too low after she has done a  50 50 split to household bills thus  leaving no money to put towards creditors.

she sees her hourly rate  not increasing much  for the long term in her job

if she always remains in a part time job only ,then creditors will thus receive nothing from her.

( note, she will be stopping the standing orders completely to creditors, on starting her new part time job and expects negative feedback from creditors)

Floss

Stu, you are the one controlling all this. You & your wife pay what you can to those creditors you are paying. It doesn't matter whether they accept it - you pay it regardless. You do not need their permission to pay £1 or £50.

I told them my situation & said "I can only pay £x" and they said "OK". Even if they had said "no we want £y" they still only get what I can afford to pay. I haven't shared my SOA as it's none of their business.

Floss

stu12345_2 said:

and some debts we owe the same company but separate accounts, and I haven't stated or told these companies anything about not paying some temporarily unenforceable debts, hence if they  knew that they would want extra money from me going to these companies 

How are they going to know? You don't need to tell Creditor B that you aren't paying Creditor A so have some spare money that you will use to pay Creditor C.

They only know what you tell them.

stu12345_2

floss, yes I know I  did write a fairly lengthy last  post and lots of questions going forward, and appreciate all your help.

it is now a question of does she simply stop the standing orders and write to creditors saying she is now on a much lower wage and can pay nothing.

or should she supply a SAO showing a 50 50 split with husband.

as realistically they could apply formal debt recovery , ccj.if she doesn't provide anything or they don't believe her.

the creditors at moment are more than happy with her repayments.but if she states, you are now getting nothing. take it or leave it.

I understand that you are still making some sort of payments, but my wife will now be making nil payments 

in that not only does she want to make no payments , cos she can't afford  to.
she also wants debts written off. cos her new budget prevents her ever making any payments , she's not on the sick or such.
that's her new income, and it will prevent her ever making payments 

she don't want make a token payment, cos she simply can't, she is now in negative situation 

the only way she could pay is if the household budget was split say 8020 cos I earn much more than her.

but household bills are split  5050 equally in a SAO for a couple living together 

and rather than going down the DRO route for a year, she would prefer to show creditors a year or 6 months at the low paid job she is now on as a long-term situation, so they then write debts off.

cos realistically I see the creditors saying to themselves this woman is skint, 6 months or a year has passed and she is still skint, write the debts off, but I guess it's a guessing game whether they will try a ccj on her first.

she don't care about her credit report , cos it is knackered already  and she is not going to ever borrow ever again. we rent council , so have no worries there.

if she ever got a ccj, it would show on a 5050 split she can pay nothing.not even a £ then what happens, does creditors give up and write debts off

floss did you tell them you are on sick leave 

Grumpelstiltskin

Stu You were told months ago to stop overthinking what might happen, pigs might fly, highly unlikely just like all your talk of court orders and needing to supply SOAs to the creditors. Please read back over your earlier threads and I think you will find all the answers.

Floss

Yes I told them I was having cancer surgery & treatment & would be off sick. 

It is quite unlikely that if your wife was to say "my hours have changed and I cannot now afford any payments" that her creditors will go rushing to the court for a ccj. It is a long process, she is one of thousands (if not hundreds of thousands) of people in their system and they are not sitting waiting for her next letter.

stu12345_2

Floss said:

Yes I told them I was having cancer surgery & treatment & would be off sick. 

It is quite unlikely that if your wife was to say "my hours have changed and I cannot now afford any payments" that her creditors will go rushing to the court for a ccj. It is a long process, she is one of thousands (if not hundreds of thousands) of people in their system and they are not sitting waiting for her next letter.

it  still is a possibility, especially if she does not show creditors a SAO.
the only good thing is she has a job interview on Tuesday for a second part-time job!!
and I have final assessment for a job on wednesday which pays even more than this new job I'm getting

talk about  a stressful period.it sure is at moment 

sourcrates

Stu,
You really need to slow down a bit, your mind is careering away at 100miles per hour, seeking out every worst case scenario that might possibly happen, a lot of your posts are repeats of previous ones and your just going around in circles with all of this.

You are giving the creditors/debt collectors, far too much credit, thinking they are on the ball with everything, well news flash, they are not, they simply don`t think on the same level you are thinking.

Debt collection is all about getting the money in, most debt collection/call centre jobs are taken by those who are late teens to mid 30`s, they know nothing about the law, the CCA, CCJ`s, legal action, limitation periods, SOA`s etc etc etc.

They follow the script prepared for them on there screens, they ask you to fill in an SOA, because computer tells them too, all debt collection companies work on this principle, obviously some are lager than others, some have better training than others, but they all work in a similar way, its all a numbers game, how many they can get to pay on a regular basis, that is the goal.

That is the reason why all there letters are generic, full of non truths, and are deliberately ambiguous, they want you to contact them, simple click bait.

You have been advised many times to just play the game the way you want to, and that advice still stands.

stu12345_2

thanks. will do