I am currently on a DMP through CCCS and pay £168 (my disposable income)a month on total debts of £12,800 (5 unsecured credit cards) some of my creditors have not suspended intrest and although I'm making the payments at this rate my debt will never be repaid. I am in receipt of Income support and other benefits including DLA which I currently use to purchase a car through mobility scheme the fear of losing my car is why I went with a DMP but now I am seriously considering bankruptcy as i am finding it very difficult to maintain the £168 payment. My question is can the administrator make me get rid of my car and to pay my debt with my benefit? Is income support and DLA considered income? I'm very confussed....Thanks
The DLA is an allowance from the government in order to make your life more comfortable despite your disabilities. If you choose to fund the purchase of a vehicle using this it should be fine. The only draw back would be if you have more than £3,000 equity in the vehicle, but assuming it is on a hire purchase agreement this is unlikely. You would be allowed to keep a vehicle with no more than £3,000 equity as an exempt item because of your disabilities.
hi fsq your motability car is safe because you do not own it as such because it is leased,your dla(care componant) should be ingored,and if your income is made up of benefits only you would not be liable for an ipa ihave gone br 2day so i hope all that i have said is correct but if it is not somebody will correct it very quickly keep posting your questions you will get a quick reply from lots of the others here, i hope everything works out for you
fear of losing my mobility scheme car
Posted - 25 September 2008 : 15:20:28
