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Does Husband Have to declare his income to my creditors


nuttyblond65
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Hi, I am looking for some advice.

 

I have a number of debts but the creditors have accepted a token payment each month,

the only one I'm having problems with is Barclays Bank. I

 

have an overdraft with them and have written to them asking if they will accept a token payment in order to clear the debt.

 

I do not work due to ill health, but cannot claim benefits because my husband works.

 

The bank has refused my payment because I have not given details of my income, which I have it is zero.

 

My question is does my husband have to declare his income to them even though the account and overdraft is in my name only.

 

He is prepared to give me the payment to give to them monthly but will not fill in an income and expenditure form.

 

All my other creditors have no problem with this arrangement.

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no he doesn't and neither do you.

 

only a JUDGE can demand to see ANY pers financial details.

 

i hope you have checked all your debts show on your cra file

 

and whom you are paying hold the required paperwork?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

Agree with dx100uk NO you dont have to provide that information

 

Only a JUDGE can demand that financial information.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Thank you everyone for your help that has put my mind at ease. Yes I have exhausted all my contribution based esa and cannot claim income based because of husband working. I have looked into DLA but my health problems are mainly severe depression plus other health problems. Thanks again.

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No you don't have to provide the information.

 

But the reasoning behind it, is that the creditor can assess that any repayment plan you agree to is affordable to you and they are not putting you into financial hardship. This has been encouraged by the OFT in the debt collection guidelines.

 

Problem is people think we are prying, we are not. We have been advised by the authorities to attempt to do this to make a repayment plan better suited to each individual.

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'we'?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so you work in the indusrty then....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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