Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Did you not pay by direct debit? Did you not inform the bank that you were moving abroad please?
no I just paid it every month we only intended to be away for 3 months everything else was paid ok I will have to phone the bank but would like some advice hoe to go about it
Ok - are you liable - yes you are.
This is because it is your responsibility to make sure that it is paid
However saying that what you should do is provide an income and expenses sheet
This will show what your income is verses your debts
It would be unreasonable of any bank to try and make you pay more than you have in income.
how little will they let me pay as my husband and I are on basis state pension
I can't say, it depends on what you have left over.
But I imagine it could be £5 per wee
Even if it went to Court and they got Judgment you could ask the Court to order an amount to get paid, which again would probably be £5 a week or less
Therefore if you contact them early, they may want to help you, stop any interest and charges
Can I clarify anything for you about this today please?
would they let me pay about £50 per month just now after we pay all household bills we have about £570 per month to live on so if I phone them tomorrow
If you can provide a breakdown of all your expenses then yes.
But do an income and expenses sheet before you call them
if I phone them tomorrow after all household bills are paid like gas elec house ins we are left with about £570 pound per month left for us to pay for food ect
Yes. Do the sums fist. Can I clarify anything else for you?
thank you for your help I have been worried sick since the letter came in I have no one that I can talk to about it so if I get my list out income and outgoings they will not ask for some high amount that I can not pay
Yes, they can not make you pay more than you can afford.
All the best with this and let me know how it develops.
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