hi kallis

i have spoken to my dmp provider and they have said that once i know what my income will be i.e either new job / benefits then they can adjust as needed. I only have a car on finance which isnt included in the DMP and i need this car because of my disability.

hi

i havent spoken to any insolvancy firms- i suppose for 2 reasons:
embarrasment and also scared of what they might say.

the problem i have is with my dla and also i need flexible payments and a little bit more money then i would have each month in an IVA

Hi i am currently in a DMP paying £100 per month. I am due to be made redundant in a month or so and am unsure on how to procede financially as i am currently claiming DLA and managing to work part time but obviously my money from job will stop and only have a few more months DLA left before i have ...

hi kallis

yes i have thought about it. unfortunately i do not qualify for motability as you need to have been awarded DLA for 3 years or more so not an option for me

hi

thanks for your reply. i currently have about 15000 debt including my car finance. i would definately need to check the agreement of my vehicle but wasnt sure if anyone had experience of keeping their vehicle for health reasons?

Hi i am currently in a dmp paying £100 per month. I am working part time and also currently in receipt of DLA and working tax. I am possibly going to have to give up work due to health reasons and was wondering if bankruptcy /IVA is the right option for me. I currently have a car on finance which is...

hi kallis unfortunately you need to have dla awarded for 3 years or more and mine isnt at the moment plus who knows if they will renew in july ( hope they do as ive not changed) otherwise i would save alot of money and could then do the iva but at the moment i am worrying about what to do so say my ...

because my car is on hp and i have not included this in dmp as i need my car because of my disability makes things easier i wouldnt want to lose my car. i live at home with parents so dont have any other assets - dont want mum to lose her home because of it. plus do you have to pay monthly into the ...

hi andy thanks for your quick reply :) because of my situation with low wages and uncertain future income i had opted for dmp and it is working for me because i can still pay back the creditors which i want to do but because of my amount of debt and the amount i am able to give plus obvious costs fo...

Hi i am in a dmp at the moment. i am currently working 20 hrs a week due to health problems an am also in receipt of DLA and tax credits. if i speak to an ip an put in a proposal for iva will they include my dla and tax credits in as income. only reason i am asking i because i am not guaranteed this...

if you enter an iva and owe e.g. 16k - including car finance. could you keep your car in an iva or does this go back. if you keep your car does this finance payment get included in e.g. IVA payment of 220 or do you pay iva payment plus ur finance car payment.

sorry if this seems like a daft question

yeah just seems very formal and not sure what to do for best as obviously my dla is helping me pay for my meds, extra fuel for appointments etc but it isnt guaranteed income as it might (god forbid) be stopped next year.

not really i live with my parents and only have my car which as i said although might be worth a few thousand i would ideally like to keep as of my health situation

really not sure what to do for the best

hi i have posted on here a few times for some advice. since i initially started having problems i had to reduce my hours at work due to health problems. as a result i only take home around 620 a month. i have about 15k of debt including a car on finance which i would need to keep because of my disab...

i would prefer not to use bankruptcy as of job might be an issue but also i have a car which i would need to keep - i am keeping up wit the payments and this is currently not included in the dmp