Saying hello...

[Slowlygoingunder]

Switch not witch*

[Slowlygoingunder]

Phew ! That's that done ! Please read my post in "quick query" in debt section .. I'm too worn out to type it again !! Thanks everyone , fingers crossed now ,

[Slowlygoingunder]

Soo .. All creditor statements . Payslips , relevant documents bank statements etc printed and ready to post tomorrow's! Had a very therapeutic session with a big pair of scissors and numerous credit cards today !!!!! My purse feels very strange !!!!! Started pre IVA budget ! My bank balance has never looked so good tbh !! Please please let this all go through ...

[Foggy]

Getting there

[Slowlygoingunder]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Foggy

Getting there

thanks foggy ! JuT popped it all in the post so a waiting game now !! They haven't asked for my partners payslips though ? Do you think they will or how else will they know total income or will they just take my word for it ? I have asked him but he's a bit hopeless tbh

[Foggy]

I am not sure how StepChange treat partners income -- the other "charity" firm, Payplan, work on household income ( which I think is unfair, as it means the solvent partner is paying towards the debt), StepChange might do it the same way as most : they work repayment based on the debtors income only and merely use the partners income level to calculate the fair share of household expenses.

[Slowlygoingunder]

They used joint income as mine alone would end in a deficit ie negative disposable income ! But they split the joint disposable income 47/53 to work out approx payment which seems fair enough as I wasn't expecting that ! Just worried it is less than £90 ! I said it would ok to propose more from his split but they said it would be a problem as they wouldn't propose something that wasn't achievable! .... Still worried though !

[Slowlygoingunder]

*would not be a problem ...