ok, my wife came out of work last year
this meant we could not pay any non essientail debts.
most have been defaults now although some are still in the process of going through now. we could not pay anyone anything, not even a pound a month as suggested by CCCS.
she has now start employment again and we have started to pay everyone 10 pounds p/m until we have full income and expenditure details together.
we owe around 30k spread across 8/9 creditors
some are accepting 10 pound a month, which i will only arrange on a direct debit. some not accepting this.
any advice please? should i cca, does this apply anymore? or sars request.
i dont think we will be able to pay more more than 10 pound p/m to them.