Yup, count me in! I'm in Scotland so if enough Scottish Caggers are up for it, we could march on RBS at Gogarburn!!

My apologies, it was not my intention in any way to infer that you were going to commit benefit fraud. At the end of the day creditors want their money back and I do think that renegotiation of your debts with help from the likes of the CAB etc would be the best avenue but, in reply to your original query, I am afraid I cannot see any legitimate way your boyfriend would be able to claim income based benefit whilst you are living together as a couple. Hopefully your boyfriend will be fortunate in securing employment soon.

Hi Susiemac

I think the best way forward for you and your boyfriend would be to sit down and work out how much disposable income is left from both your incomes, after secured debt, priority debt e.g. council tax and expenses e.g. food is taken into account. The sum left over should be apportioned to your unsecured debtors and credit card debt and letters sent with offers of reduced monthly payments. A breakdown of your income and expenses will also need to be sent. Mention to them that a review will be undertaken every 6 months and if your boyfriend has found a job payments could possibly be increased. There are letters and an income breakdown on this forum under the templates section.

Good luck to your boyfriend on the job front.

JAC

Bump

 

Acceptance of offer as F & F received today to fill in and return--any advice?

Hi Middenmess

A while back when I claimed from RBS, they too replied to my claim with a full and final offer of a lot less than the total claim and the fac tthat they wouldn't pay interest. I declined and basically told them I wanted the full charge with interest or I would see them in court. I raised court proceedings for charges plus interest. No reply was received until the day before I was due to appear in court, when they e-mailed me a formal offer to pay me back all charges with interest.

I should point out this was before the test case, however if I was in your shoes I would raise court proceedings and the worst that would happen is the judge would stay the case until the test case is resolved and the OFT have decided on the fairness of the charges. This could be a long wait however, until all the ins and outs of the case are concluded.

If you really need the money and are not prepared to wait then you should probably accept their offer.