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Hi everyone,

Creditors meeting to be held 28/11! Glad I have a date now, just want it all sorted, I'm a bit impatient and its stressful!

But I have a question, through work I put by £40ish per month from our benefits package to be paid as a lump sum in Dec for Christmas expense, Step Change after much debate agreed to try and exclude this (this year as I use it for presents and have no contingency now) but said I may not be able to do it next year. Are the creditors likely to agree to this from your experience or should I be prepared for them to take this too?


Thanks
Kerry

Creditors are fickle things and make odd choices now and then
Stepchange are funded by the creditors and so might be able to sway them.

I will keep my fingers crossed! But thinking about it now I have the meeting date I could stop the payments I have been making and put that by, so not the end of the world. Then some careful budgeting next year and things wont be so bad, provided they don't insist on modifications

Good luck on the creditors meeting

I would hope they allow this as clearly you have tried to budget, however as we all know creditors are funny things and some may see this as savings and want it added to the pot. I would certainly stop the payments now to make benefit from them just in case

We do a similar thing, not through work but through a company called Park.

We've paid them C£25 each month, and have just got our lump sum through to part-pay for Christmas.

We're hoping to up that to about £40 next

Hopefully creditors exclude this as it is not a huge sum of money for them but a lot for you. Stepchange are funded by the banks so they should be able to sort this out.