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So confused with conflicting advice …
Comments
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DROs started in April 2009 IIRC
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Did you take out the DRO when your eldest was a toddler?
If you've have not made a mistake, you've made nothing0 -
Yes, she was very small. It was certainly before she started school.
:beer: Huge thanks to all who post comps :beer:0 -
So given she's 17, you've not had a DRO in the last 6 years?
If you've have not made a mistake, you've made nothing0 -
In this case you probably are eligible for a DRO. You have already put numbers into the stepchange online tool? or spoken to them? I think you should rethink the numbers in your SoA here, the groceries is too low and so are child costs / clothes. Look at changing them and go back to Stepchange and say the Parkers valuation on your car - ask if you are eligible for a DRO
Or you could talk to Payplan about this.0 -
I cannot fathom why National Debtline advised you to take an IVA for a little over 8 grand of debt 😣
The only reason I can think of, is that someone rather new to the job, was reading from a pre-prepared script, as that was terrible advice to give you.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
It is also strange that National Debtline did not suggest you talk to Payplan about an IVA, not StepChange.
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Thanks all for your valuable input!
No I definitely have not had the DRO in the last 6 years so I’m thinking this may be a viable option.
You can hopefully all see why I was so confused!! It just wasn’t making sense at all.I have arranged a phone appointment with Payplan in the next couple of weeks and I shall definitely be amending the budget before I do. I’m hoping they will be able to advise me on whether it is possible to continue on the dmp and if not then help me to apply for the dro.
I appreciate you all taking the time to read my post and share your thoughts:beer: Huge thanks to all who post comps :beer:1
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