Hi TDA, Just the next 11 years.... to be honest credit is the last thing from my mind and I'll be mid 50's by then so won't really have any requirem...
Hi guys, got a quick query that you may be able to help with. Since I took out my DAS 6 months ago my payments have been coming out fine and disper...
Hi all, just a quick progress update, My DAS was approved a couple of months ago and although I have years ahead of paying off my debts, it's now ...
Hi guys, haven't been on here for a while and thought I'd share what's been happening over the last couple of months. I came clean about the debts t...
Yes I can understand that. But at the same time wouldn't creditors be happier that a debtor is willing to pay their debts in full over a longer perio...
Thanks Kevin, I'd hope to keep it to 9 years maximum. I've never missed a payment, don;t know if that makes a difference. Just that the debt and th...
Hi Kevin, Don't you have to prove expenditure with bank statements etc? Working it out all surplus income works out at £1400 but then my share w...
Thanks TDA, I had been searching the forum and found the following post and Kevin commented half way down about more flexibility in allowances for ...
Hi guys, When organising a DAS is your budget as strict as with a Trust Deed? For example, if my disposable income was £600 per month, is it po...
Thanks TDA, That's why I was thinking a DPP would maybe be a better option and then transferring the mortgage and home to my wife when the current ...
Hi David, Thanks. It said the disposable income was just over £1100. My wife earns £35k and I earn £29k so would that mean my share is £498? M...
Hi guys, Was on the Stepchange debt remedy tool over the weekend and was working out income and expenditure. It asked me to do it for the househol...
Thanks guys, one more question after doing a bit more reading today. On a "Debt Arrangement Scheme" I've read that's 10% of your payment is taken...
Hi David, Thanks, just wanted clarification. I need to speak to my wife before speaking to yourself or Kevin in person and despite being a complet...
Hi guys, me again. Just been reading through some other articles and threads and have a couple of questions. I notice in one article that it sa...