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Dear all

 

I am in a real mess and would like to seek some honest advice / feedback.

 

 

Currently we live in a shared ownership home (100% in my wife's name. Currently just paying rent to the housing company).

Over the past years, due to some mental health problems ( anxiety and depression ) and this has have a marked effect on the family and my ability to work, there are now some £20,000 of debts (Gas, Electric, Water and Council tax).

 

 

All of these are in my name ONLY and I am considering a debt reduction order or alike, but I have been led to believe that even if I do this, the debts will still 'exist' in my wife's liability?

 

 

I do not really understand this as I thought if I 'owned' the debt, it would go after I have it written off?

 

 

I am in a real mess and would be grateful for any advice that can be given.

 

 

Thank you all in advance

 

 

David

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are these all your old debts that you told us about in 2014?

council tax and EDF etc etc?

 

 

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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Yes they are. I have bwen suffering from some mental health problems ( anxiety and depression ) which my GP has formally recognised with a Money and Mental Health Form.

I am trying to sort out all the mess now that I am getting some treatment.

 

If, In previous post I upset anyone or wrote anything inappropriate, I can only apologise, it was not my normal behaviour.

 

As it stands, I have been out if work since December 2016. Currently, we have the following arrangements in place.

EDF and water companies - Fuel Direct and direct deductions from Benefits.

Council Tax arrears being deducted from Housing Benefit.

 

I have tried to make some strides forward, but as it stands, I am facing many, many years to clear them and I wondered if anyone can give me some guidance now.

 

Many thanks

David

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nope you've done nowt wrong I can see..

 

 

have you approached the water and edf as there are social funds that exist with each company that can often be used to write off historic debts

used them myself in the past.

 

 

as for the CTAX, why don't you go update this thread with what you is the current status

lets try and keep these on their relevant threads..

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?429456-Council-Tax-AOE-problems

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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go update this thread with the lastest with the EDF

http://www.consumeractiongroup.co.uk/forum/showthread.php?431215-edf-warrant

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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Share on other sites

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