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That's not quite right, Regreteverything. It will still be 6 months even if you apply for the moratorium after 30 September, as the availability of t...

Don't worry, there is very little chance of anyone coming to your door any time soon. In any case it is easy to protect yourself from that prospect t...

Hi Regreteverything. I'm sorry to hear that you are in this situation and are feeling the strain on your mental health. The good news is that ther...

Was your partner in a Trust Deed too, tigh? If not then they would still be liable for any joint debt, regardless of whether your credit score shows ...

Your son has nothing to worry about and can safely ignore them, as long as the balance in question accrued prior to his Trust Deed being signed. Th...

You don't need to wait until the trustee is discharged - your credit report should reflect your own status, ie no longer liable for the various debts....

Have you seen a copy of the actual Form 1B itself, Navrig? If not, you should definitely ask for it and check that it does show the same as what you ...

Hi. I'm certain your trustee will be fine with you using that allowance to get a car - given that it is needed for you to work and therefore earn the ...

As I understand it they should offer a "basic bank account" to you, but may choose not to offer their normal current account.

Food most certainly is included in the DCO calculation, as are many other living costs - from your essential household bills to your travel costs, to ...

That's a great letter, dev61. Let's hope it has the desired effect. In terms of your former Trustee's situation, I think it may be possible for th...

Thanks for sharing the new information. It will be interesting to see whether they do carry through with their stated intention to go to court to ask...

Hi KevD. Unfortunately my experience of dealing with the Child Maintenance Service is pretty negative. They can be very difficult to speak to and it...

Can I suggest that you try again but this time only enter your surname, Mark? Entering too much information is usually counterproductive because if o...

Hi there -- welcome to the forum. It really should have been explained to you properly prior to you signing the Trust Deed but you aren't allowed t...