My plan is now up in arms

ManyWays

stu12345_2 said:

but one creditor we both owe over £5500 each. so it could make us bankrupt and not cost us fees?

Almost no creditors do this. Hoping it will happen should not form any part of your plan.

Rob5342

It would be easier for people to give advice if you could keep everything in one thread so it all follows on. It would also be easier if you could limit things to the pertinent details so people can keep track of things more easily. For example. 

RAS

Can I suggest that stu thinks about a diary rather than starting a new thread each time there's a new response from a creditor or their own situation changes?

sourcrates

ManyWays said:

stu12345_2 said:

but one creditor we both owe over £5500 each. so it could make us bankrupt and not cost us fees?

Almost no creditors do this. Hoping it will happen should not form any part of your plan.

I`ll go one step further, no creditor would ever do this for consumer credit debt.

My best advice to you stu is stop overthinking things, make your plan work as you see fit, and do the best you can with what you have, and keep it between yourself and the wife my man, good luck.

stu12345_2

sourcrates said:

ManyWays said:

stu12345_2 said:

but one creditor we both owe over £5500 each. so it could make us bankrupt and not cost us fees?

Almost no creditors do this. Hoping it will happen should not form any part of your plan.

I`ll go one step further, no creditor would ever do this for consumer credit debt.

My best advice to you stu is stop overthinking things, make your plan work as you see fit, and do the best you can with what you have, and keep it between yourself and the wife my man, good luck.

we think we are in a better position than we were 2 years ago, we have savings, up to date with all priority bills, no car finance, debt went from £53,000 to £21000,.
it's now shaking that last bit off on a low income, dro, bankruptcy, ccj or write-offs.
that is the problem and who knows perhaps a full time job will come along that is decent, but creditors may not wait that long any more.

so have to make a decision which solution to use cos a dmp will no longer work based on our incomes now.

RAS

In which case, just tell your creditors that based on your current incomes, you are not able to pay more. 

If your unpaid hours mean that you were paid less than the National Living Wage, you should speak to ACAS or CAB, and raise the issue with your ex-employer. If they don't resolve the issue, you can take them to a tribunal.

But you only have 3 months to apply to the tribunal and you have to give your ex-employer the chance to remedy this first.

stu12345_2

RAS said:

In which case, just tell your creditors that based on your current incomes, you are not able to pay more. 

If your unpaid hours mean that you were paid less than the National Living Wage, you should speak to ACAS or CAB, and raise the issue with your ex-employer. If they don't resolve the issue, you can take them to a tribunal.

But you only have 3 months to apply to the tribunal and you have to give your ex-employer the chance to remedy this first.

regarding the unpaid hours on my current horrendous hours job that I'm leaving, well I spoke to acas and they said if the contract states some parts of the job are unpaid, despite  using necessary company equipment in those hours! eg vehicles, (MSE want to run an article , with my permission, using posts like mines  that I did in the employment forum as part of their investigation on here to breaches of min wage)
 then I lose.
acas said they could only help if my employer is breaking the working time  directive, which I think it is, cos I never signed anything.

I just feel like totally browbeaten at the moment,I can hardly keep my eyes open, I said to wife I need at least 6 months  to a year   recoperation in a job that won't kill me again .
hence the new job with the low hours, which has walking distance to work, paid for every hour worked !
then you start thinking there must be a better solution to repaying debts that doesn't involve that sort of long labour I'm doing at work.

eg , insolvency or write offs. as dmps are just grinding out a long labourious slog, as we should have went bankrupt when debts were at £53000 nearly 3 years ago, we would be virtually debt free by now, I blame stepchange

I'm going to research DROs this weekend with money wellness as the CAB guy    national debtline  used didn't know their you know what from their elbow when I discussed it 9 months ago with them 

elsien

stu12345_2 said:

RAS said:

In which case, just tell your creditors that based on your current incomes, you are not able to pay more. 

If your unpaid hours mean that you were paid less than the National Living Wage, you should speak to ACAS or CAB, and raise the issue with your ex-employer. If they don't resolve the issue, you can take them to a tribunal.

But you only have 3 months to apply to the tribunal and you have to give your ex-employer the chance to remedy this first.

regarding the unpaid hours on my current horrendous hours job that I'm leaving, well I spoke to acas and they said if the contract states some parts of the job are unpaid, despite  using necessary company equipment in those hours! eg vehicles, (MSE want to run my an article , following posts like mines  in the employment forum as part of their investigation on here to breaches of min wage)
 then I lose.
acas said they could only help if my employer is breaking the working time  directive, which I think it is, cos I never signed anything.

I just feel like totally browbeaten at the moment,I can hardly keep my eyes open, I said to wife I need at least 6 to a year  months recoperation in a job that won't kill me again .
hence the new job with the low hours, walking distance to work, paid for every hour worked !
then you start thinking there must be a better solution to repaying debts that doesn't involve that sort of long labour I'm doing at work.

eg , insolvency or write offs.

You don't have necessarily have to sign anything specific. My contract automatically opted out me of the working time directive and I had to write to them to opt back in again if that was what I wanted to do. So you need to see what your contract says.

stu12345_2

I never signed a  form which allows me to do less than 48 hrs or was offered the chance to choose , you get the idea, sorry  if I'm getting my phrases muddled,basically I never wanted to do over 48 hrs, but never got the choice

anyway I've resigned, I should have read the indeed website reviews first before working for them , then I would have understood how bad the upper management are, the long hours, the unpaid hours , the high turnover of staff, etc

I wrote a friendly helpful email to bosses asking why we were working so many hours and it's exhausting staff, when they weren't even advertising for staff on their website or job centre, I got reply" we don't need to answer to the likes of you regarding vacancies"

it was at that point I went job hunting(, apart from swearing out loud at home,)to accepting my new lower hour job , run by a friendly local guy.

RAS

You must have a contract of employment, surely?