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Jeffers123

Your wisdom please re suitability for a DRO

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Hi there I am a full time carer for my husband. 

 

I have around £5000 in debt (mainly credit card and catalogues) 

I just receive Carers Allowance myself and provide the food and fuel (in my very old car) with my money.  Leaving me less than £5 a week. 

 

My debts are currently all paid off at £2 per month which is paid by my family on my behalf. 

I already have bad credit and will be caring for my husband indefinitely as he has serious health concerns and hasn't been able to work for many years - he is in his mid 50s. 

 

Do you think a DRO is the right way forward for me?

I get scared of anything happening to me and leaving these debts for someone else to sort out along with all the other issues there would be.

 

With many thanks in advance x

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your debts are your debts

no-one else 'will have to sort them out' ....not sure where you got that idea from....

 

we never recommend taking out any kind of formal arrangement, esp for consumer credit debts, most of which, one-way or another, usual prove unenforceable or unlawfully inflated.

 

can you list your debts please:

 

Original Creditor

type of credit

when taken out

outstanding amount

date of default from credit file

who you pay now - name the dca if you pay them.

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Do as above, ASAP.

 

So many of the DRO's, IVA's Payment plans etc are completely inappropriate for consumer debt. It may well be that your family can even stop paying the 2 quid a month, if some of those debts turn out to be unenforceable.

 

 

 

 


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Hi,   Thank you for finding the time to reply to my question. I will dig through the information in my folder and post that ASAP. 

 

Re the debts I don’t want my family to have to deal with anything On top of all would be to sort out and I was under the impression, mistakenly perhaps, that the family had to pay any outstanding debts? They are all in my name. 

Thank you   

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you are seriously mistaken yes.

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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1 minute ago, dx100uk said:

you are seriously mistaken yes.

 

 

 

 

Brilliant, thanks. 

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