Guinea pig
Registered User
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The primary issue is your debts and they are under €20,000. So you meet that criterion.
They should look at your income on its own and your expenditure on its own to see if you meet that criterion, and you probably do.
But if they look at your joint income and joint expenditure, you will meet that criterion as well, so you are ok.
Brendan
Very odd that Mabs told you not to tell the utilities about the fact you are applying for a DRN. Why would that be I wonder. Because Mabs suspects that the utility companies will not play ball.
I would say MABS said not to volunteer the information, I have all bills and I asked if that would just do, they said included them as well as the letter from each one.
I think this is to make sure I didn't just run up a massive bill with the last 6 months. Thankfully it was Summer, this may happen if it was winter.
To solve the issue of utilities. Can you not today ring in your meter reading, they will send you a bill, then you have your amount owing, you will also have your arrears. To calculate the monthly amount, take 12 months of bills add them up and divide by 12. Surely this is acceptable to Mabs, maybe you should ask them.
I'm curious about the utilities. I presume the current bill plus arrears gets written off in the DRN, but what happens going forward, will the utility company continue to supply you, how did Mabs explain this?
I should have no arrears by the time the DNR is passed which is looking very far away from now.
Any chance you could scan the pre formatted letter that goes to the utility companies, and any other ones you might have. It would be good to see what they are like.
Sure, I can link to them
I presume utilites must be gas, esb and ? Which one was prompt in reply?
UPC was my third, they replied by email.
In relation to the credit cards, did they write off the previous interest, how did you get them to convert it into a zero interest loan, was it because you defaulted. Have you been paying them anything? I'm just wondering why they didn't just write off the full debt.
I have been working with all creditors since late 2010 when I had health issues. All CC have been restructured and yes I did miss payments as I had 12 weeks with any payment from anywhere in 2010. I didnt ask for them to write off the debt and I have always paid...something, sometimes just 10% of the payment.
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Surprisingly a financial review attached to the agreement says I had a mortgage of 125,000 on a property worth €155,000.
I have never had a mortgage or a property.
I have now written to the bank to tell them the details are incorrect.
The other creditor's letter stated the incorrect amount per month on the most recent payment plan and the wrong date this plan came into effect. ing.
I have been in receiving numerous letters asking for financial statements and statutory letters under the consumer credit act.
Once they receive the statement and I have the initial face to face meeting, MABS will take over dealing with the creditors,
Only one bank hasn't supplied the correct information, the debt has been passed to another company and they come up with a different amount owed every few weeks. They cannot supply the information that MABS want because I i didnt have a credit agreement with them, they were passed my account from another bank.
Halifax and Bluestone. There last 9 payments I made to Halifax seems to be missing but Bluestone have a much lower balance owed on file for me. Lower than even if they had accounted for the 9 payments for the can't find.
Also when Bluestone called me, I didn't confirm any details about myself but they just started telling me every detail about the account they had linked to my mobile number.
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