Advice which route to take.

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  • sourcrates
    sourcrates Posts: 28,931 Ambassador
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    edited 15 September 2018 at 8:30PM
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    DRO would most likely be out of the question as you spend too much on everyday items, I appreciate the special diet etc, but £800 on groceries and £260 on smoking would not be allowable expenses at those levels.

    Your debts could be repaid by better budgeting if you can reign it in a bit more.
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  • fatbelly
    fatbelly Posts: 20,608 Forumite
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    edited 15 September 2018 at 8:21PM
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    Getting you under £50 surplus would be difficult but I would not rule it out completely. If any of those 'benefits' are DLA or PIP then they can be disregarded, and maybe we could then look at lower figures for smoking, groceries, car maintenance and ‘other child related expenses?’

    However the big problem for your application would be your car value, which breaches the £1000 maximum.

    Water at £52 may well be OK - that would be average for the SWW region - suspect some of it is payment towards the arrears anyway.

    As for how a DRO affects your credit file - defaults and any form of insolvency stay on your file for 6 years - at least there's an end point
  • Crazysocks
    Crazysocks Posts: 7 Forumite
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    Thank you for everyone’s advice.
  • fatbelly
    fatbelly Posts: 20,608 Forumite
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    fatbelly wrote: »
    Water at £52 may well be OK - that would be average for the SWW region - suspect some of it is payment towards the arrears anyway.

    Just realised that, with 3 kids, you may qualify for a capped tariff like this one

    https://www.southwestwater.co.uk/bills/struggling-to-pay/watersure-tariff/

    Not that this one is capped at much less than you actually pay, but it's worth looking into.
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