Hi Starbug - Have made this your thread. Thanks for talking to Shooter.
My first instinct is that you are looking at bankruptcy - I presume National Debtline have sent you a bunch of leaflets about that after you spoken to them too. What other routes did they offer ? The IVA failed so it does seem to be the next stage.
I'll post up your details I have then if you feel you can you can expand on things.
BANK CHARGES
Charges Claim Halifax - £1509 plus £764 interest = £2273
Do you still have that account open and running with Halifax ?
Is the overdraft at 3.8k or has that been converted into a loan ? Where do your benefits now get paid into ?
Sent letter to halifax claiming hardship -19th august - your letter is fine and you have returned the IE form they sent ? I think you do just have to wait for their response to that letter now.
DEBTS
DEBTS
Tesco - 14k ....................... Loan ?
A&L - £17k .................... Loan ?
Halifax - £3.8k ............ -overdraft ?
Cap one - £260 ................ - credit card?
Argos - £500 ................... -store card ?
Homebase - £800 ....................... -store card?
JLP - £3.8k ........................ -store card ?
INCOME
DLA - £62.55 week (250 month)
IS - £136 week (£592 month)
You also get Housing and Council Tax Benefits - are these paid direct to landlord and council ?
I note you also had some arrears on both of those - have you sorted out paying off the arrears with your usual payments ?
I havent put any of the personal stuff down if you would like to share then thats fine but don't feel obliged to. You do have a good case for hardship and I would hope halifax's response will be positive.
Welcome to the site
Have a read of stewie082's thread as well.
My first instinct is that you are looking at bankruptcy - I presume National Debtline have sent you a bunch of leaflets about that after you spoken to them too. What other routes did they offer ? The IVA failed so it does seem to be the next stage.
I'll post up your details I have then if you feel you can you can expand on things.
BANK CHARGES
Charges Claim Halifax - £1509 plus £764 interest = £2273
Do you still have that account open and running with Halifax ?
Is the overdraft at 3.8k or has that been converted into a loan ? Where do your benefits now get paid into ?
Sent letter to halifax claiming hardship -19th august - your letter is fine and you have returned the IE form they sent ? I think you do just have to wait for their response to that letter now.
DEBTS
DEBTS
Tesco - 14k ....................... Loan ?
A&L - £17k .................... Loan ?
Halifax - £3.8k ............ -overdraft ?
Cap one - £260 ................ - credit card?
Argos - £500 ................... -store card ?
Homebase - £800 ....................... -store card?
JLP - £3.8k ........................ -store card ?
INCOME
DLA - £62.55 week (250 month)
IS - £136 week (£592 month)
You also get Housing and Council Tax Benefits - are these paid direct to landlord and council ?
I note you also had some arrears on both of those - have you sorted out paying off the arrears with your usual payments ?
I havent put any of the personal stuff down if you would like to share then thats fine but don't feel obliged to. You do have a good case for hardship and I would hope halifax's response will be positive.
Welcome to the site
Have a read of stewie082's thread as well.
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