just looking for some info really I have recently started a das in march 2017 for a total 37k the thought of these debts still bother me all the time and I constantly think about them so looking to clear them asap really What I'm really wondering is can you make full and final settlement offers whilst on a das and what sort of percentages are likely to be accepted Also can you pay off some of the creditors to reduce the monthly payments of the das I think I can get a hold of around 50% of what I owe and keep reading about people paying off large debts for less that 50% of what they owe

Hi all, I am in a bit of a mess financially and I am going to use this as a way to keep track of whats going on and to chart my progress as well as ask for help etc. I have 9 creditors (unsecured) and owe them a total of just slightly over £40k in total. I was managing to keep on top of everything but then i changed jobs and my salary dropped considerably and i was not able to keep up my payments although i am still okay with my priority debts. I recently applied for a D.A.S. through step-change which seems to be a pretty good answer to my current issues and means I will be debt free in a little over 5 years - paying in the region of £630 per month! I have been perusing these pages and I wonder if it would be worth while sending CCA requests to all 9 creditors to see if they are all enforceable. Can anyone advise if this would be a sensible approach as Step-change don't seem to do this as a matter of course. Any advice would be appreciated Thanks Woolfie

I've just heard the news and wanted to pay respect to an old friend, but when it comes to it, I have no words to express my feelings right now. Goodbye, Martin, thanks for the memories. You ate my food, I drank your vodka, I owe you a scarf and you owe me some Ukrainian caviar... Life will be that little bit poorer without you.

Hi I am trying to find a solution to my debts at the moment. I owe about 5,000 in total, all on unsecured debt. I have been in contact with an insolvency practitioner with a view to setting up a Debt Arrangement Scheme. However, as I am not working at the moment, I had to include a note from my husband basically stating that he was happy to contribute the monthly amount out of his wages. So far, so good. After I returned all the relevant paperwork, they called to say that having reviewed my circumstances they would advise me to go for a LILA sequestration due to my not working at the moment,but that I could still go ahead with the DAS if I wanted to. I decided to look into LILA upon their advice. After looking into it, it is not really a road I want to go down, it seems far too severe an option for a relatively low amount of debt. I contacted Stepchange today, and am waiting for a call back from an advisor (next week), as the person I spoke to wasn't trained in procedures in Scotland. They did say however that a DAS can't be set up if it is being paid out of my husband's income. Does anyone know if this is the case? I really don't want to go down the LILA route, especially as I hope to be working again in the foreseeable future, but if I can't set up a DAS I don't know if there is any other option. I haven't gone back to the insolvency practitioner I was dealing with as they charge a fee for setting up the DAS and I would rather the full amount go to my creditors. Any info would be appreciated.