Ah ok. Remember when you enter into a plan then you don't pay your debts. Your budget should be based on your living cost costs excluding your debt...
Within the expenditure of £2,935 does this include your debt repayments?
Hi Quangie5, Your correct, it is worked on based on your income and expenditure but at the same time the longer the proposal runs for i.e. longer t...
All sensible things to think about and take into consideration and only for 7 months of a difference in timescale between both. Let us know how you...
Hi Penny1286, Can I ask how much debt you have and if you are a homeowner or have any other assets?
What’s making you sway towards a DAS rather than a Trust Deed? The internet can be both a good source and bad source of information regarding debt ...
Don’t worry about people on the forum making judgements on you. This won’t happen. It’s a great support network so you should receive support from peo...
Ok that’s good about the new account. You want to avoid BOS/Halifax as they can freeze and close your account when they find out about a TD. Any ca...
Hi Quangie5, Try not to beat yourself up too much. It’s a lot more common than you realise finding yourself in debt again and having to consider an...
Ok that sounds good. I wouldn’t delay entering into a plan to save too big a balance for emergencies. The quicker you enter into the right plan the...
Hi Steff90, You are doing the right thing looking for further advice and information regarding your options. Is the payment of £346.99 affordab...
Hi lercan, Try not to over think things too much as you will end up making yourself sick with worry which won’t help. I know that’s easy for me to ...
Hi Lercan, Try not to panic too much about Sequestration as it can often seem much worse than it actually is. You won’t be required to pay over ...
From what you have said Lorryjo1983 it sounds like it might be a good idea for your partner to reach out to an advisor for some advice. The advisor...
Hi jojo93, Have you got your eye on a house you like? This shouldn’t go against you if the mortgage was taken out prior to your Trust Deed. Any ...