it will be 3 years next month i inherited it but logbook etc was put in wifes name shortly after my father passed because she and my daughter would go off in it for a day here and there down seaside etc while i was busy and work so she used it more than me hence why put in her name

My car probably is not worth 2.5k it is to me but to sell it probably get much less . as for the jewellery i meant the wifes etc but should not be counted really as its hers not mine plus with the camper since my father passed it was registered in the wifes name so again should not effect and be counted

ive applied for the DRO and its all being set up ready just got to send them final bank statement etc now then its all systems go. But back to paypal ive had no contact from them at all in all this time until today ive had in post a letter from Moorcroft debt recovery limited in stockport saying they have been instructed by paypal to recover the debt and are asking me to contact them straightaway and make payment or agree to come to a payment plan and telling me they are now dealing with it and not to ignore this letter. I can upload copy of letter if want. So my question again now is I dont want the DRO all going through and then later on paypal comes back to bite me and be left having to pay then i wish I had added it to the DRO. So what do I do ? Do I add it to DRO or still ignore it

Sorry dont understand Forest ? I take it you mean loads of letters from paypal or everyone

Ive opened new bank account etc now so sorting out to get our money etc paid in there . Im then going to cut off contacts with old bank and other debts and apply for DRO . But do i add paypal to the list for DRO or forget about paypal like you said in other messages ? I just want to make sure because i dont want to apply for DRO and then later on paypal comes back to bite me and then i wish is added it . Sorry to be a pain guys but I just want to make sure and to date ive not had any letter or anything from paypal just couple of emails

Hi Sorry but why am I getting email after email about this post sent to me ?

ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first

Ok so lets say i dont even say or show ive got the camper will they check somehow and will they or can they come to house and check what assets there and so on

Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc. The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on

So sorry but just to check do i write to all these about the debts and try get deal to reduce monthly payments and stop all interest first or do I stop payments then write to them ? Same if I was going for the DRO option do I just sort out and apply for that first or stop all payments then apply for it .

Thanks ive got them now to read through and also got a pro rata form .

say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ? Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it . Also I see for a DRO it says ive got to go through an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open . Last off ive asked regarding pro rata forms and still cant find any

Sorry I dont understand whats going on here I cant see find or open pro rata letter and in the message now you say look at this link but its not showing me any link to look at ?? Yes my debts are around 9k & about 4.5k in wifes . When you say no assets ive no savings or anything but what about things like my car worth around 2.5k and when my father passed away he left me his camper that I cant part with its worth about 4k also what about house contents like tv's etc and wifes jewellery and so on ??

ok thanks so where are the pro rata forms so I can start sorting and sending to each to get the ball rolling. Also sorry should have said i dont own my home im renting from housing association

Ok I cant find pro rata letter and dont knowhow to get to the debt collection section of our library . Id like to send letters and see if I can get low monthly payments for now or am I better off looking at a way to get them cleared like see some saying about going bankrupt or apply to courts to get them wrote off or something I dont fully understand best ways to go about things and dont want it all going down against me and effecting my credit etc as I know some say you cant get car insurance on monthly basis or mobile phone contract etc if goes down on credit score and I need car insurance of course with disabled family I cant not be without car