DRO partners mortgage

mollymoomoocow

Hi I’m looking for advice/ reassurance regarding a debt problem. I am currently 1 year into an IVA however after having an accident my circumstances/ situation has changed and I am struggling to make repayments. I now believe I meet the criteria for a DRO however after speaking to moneywellness today on the phone they have said they cannot advise me until the IVA fails and the fact that my husband has a mortgage even though it’s only in his name might be a factor as it might be seen as me having an interest in the house.(I have never paid anything towards it) He has recently remortgaged and I did sign a consent to mortgage form would this be enough to prove I have no interest? Or should I forget about a DRO ? Thank you in advance for any help.

OhLookAnotherNewStart

You've posted this in the diaries section rather than the main debt free wannabe section where you'll get better advice. Might be best to re-post?

https://forums.moneysavingexpert.com/categories/debt-free-wannabe

Brie

This has now been moved.

I believe in your circumstances you would not be able to get a DRO as you own a house.  Doesn't matter that your name isn't on the mortgage or who actually pays.  If you were an unrelated lodger then that would be different.  

You could let the IVA fail and start over with a DIY debt management plan.  

RAS

Duplicate thread.