This is the problem

[PriorityOne]

Re: This is the problem

I would really like to lower the payment but i am scared the others will go more charges on the house

Now that you've found us, that's highly unlikely....

all of them taken out before 2007 .

Excellent!!

[Spent2much]

Re: This is the problem

If they're UE they can't take you to court so they can't get charges on the house.

this is sounding better by the second , how do i go about this please ?

[Spent2much]

Re: This is the problem

There is an option.

If the debts were taken out before 2007 there's a good chance that they will be unenforceable. That means that you won't need to pay them, though obviously you'll still have to pay the charge and the ccj. That would still leave you with an extra £44.34 a month.

all of them taken out before 2007 .

[Pixie]

Re: This is the problem

I would really like to lower the payment but i am scared the others will go more charges on the house

If they're UE they can't take you to court so they can't get charges on the house.

[Spent2much]

Re: This is the problem

If you are skint after paying these debts, then you're paying more than you can realistically afford and it needs to come down.

This can be done whether or not you decide to go down the UE route but if I were you, that's the route I'd be looking at.

I would really like to lower the payment but i am scared the others will go more charges on the house

[MrsD]

Re: This is the problem

ok

If it were me I would be looking at the dates the accounts started, a lot must be pretty old. What happened to the CCAs that you sent?

The DMP is essentially useless, it's just prolonging your agony because you will never pay it off in this life and that is not what a DMP is about. Payplan should be noting this and talking to you.

I would have a look at UE and I would also have a look at the CCJs, who got them, where were the debts originally and did you defend?

Are you sure you're gettng all the benefits you are entitled to?
and are any of those debts more recent than the DMP?

I know it's a pain but to try to help, we need all the available information, no one will judge you here, we're all in the same boat, and to some on here, your 43k is a drop in the ocean!!

[Pixie]

Re: This is the problem

the total is £76 a month, we have 24 debts one is a charge for £27.77 and a ccj for £3.89 the rest goes to the other debts , total £76 a month

It started off at £225 a month but our business took a dive and we had to reduce it, there is no option .

There is an option.

If the debts were taken out before 2007 there's a good chance that they will be unenforceable. That means that you won't need to pay them, though obviously you'll still have to pay the charge and the ccj. That would still leave you with an extra £44.34 a month.

[PriorityOne]

Re: This is the problem

yes altogether total £76, we are skint

If you are skint after paying these debts, then you're paying more than you can realistically afford and it needs to come down.

This can be done whether or not you decide to go down the UE route but if I were you, that's the route I'd be looking at.

[Spent2much]

Re: This is the problem

1st credit don't do ccj's. They go for SD's normally

yes thats what they did i couldn't think of the word and now i remember statutory demands, thats why we had to fight in through court .

[Spent2much]

Re: This is the problem

any equity in the house?

At the moment the house according to zoopla is worth £104.450 we owe £102.300 and the charge is £5.200 i think

[jen_br]

Re: This is the problem

any equity in the house?

[Spent2much]

Re: This is the problem

I get it that all are getting around 1.77 a month after the other figures are taken into account

some are getting a bit more the rest a £1 odd, but what can we do its all we can afford, i would go bankrupt tomorrow if i could afford to and its also the house too , we would have to rent a house , its all such a mess.

[Spent2much]

Re: This is the problem

Spent
Can you confirm that you paying 76 a month to Payplan?
and that includes the CCJ and the charging order? which come to 33

this means that the DMP will last in the region of 47 years, what were Payplan thinking???

the total is £76 a month, we have 25 debts one is a charge for £27.77 and a ccj for £3.89 the rest goes to the other debts , total £76 a month

It started off at £225 a month but our business took a dive and we had to reduce it, there is no option .

[Spent2much]

Re: This is the problem

Hi Spent

Sorry I'm having a particularly thick day to-day, so are you saying the total you pay to Payplan is 76? and the CCJ of 3.89 and the charging order of 27.77 is included in that? How many debts is the rest against and what are they?

yes altogether total £76, we are skint

[MrsD]

Re: This is the problem

Spent
Can you confirm that you paying 76 a month to Payplan?
and that includes the CCJ and the charging order? which come to 33

this means that the DMP will last in the region of 47 years, what were Payplan thinking???