Paying debts while on benefits

bluefox

Hi

I’m curious. Should I be paying my loan still if I’m in receipt of benefits?

I keep thinking I should probably not be paying it but I’m wondering if this is something I should do. 

janer1967

Being on benefits doesn't discount you fron paying debts you may be able to arrange a repayment plan paying a reduced amount but they still expect some payment 

It's important you discuss with them your ability to pay and not just ignore them 

poppy123456

What makes you think you shouldn't be paying your debts? We all have to pay our bills, regardless of the fact some maybe claiming benefits. You just can't ignore the debt and hope it will go away.

bluefox

I’m just thinking should I be paying big debts like £200 loan whilst on benefits. That money should be for food etc. 

poppy123456

Claiming benefits doesn't mean you shouldn't continue to pay your bills, including loans which are debt. If you don't pay your debts then you'll be receiving letters demanding payments and your credit history will be affected negatively. Therefore yes you need to continue to pay them.

If you can't afford to pay the amount they are asking then you need to contact them and speak to them. Or contact step change for advice.

bluefox

My partner and friend usually help me with my debt and paying bills but we were unsure if we could maybe stop paying and choose a different option. 

poppy123456

No, never stop paying, always speak to the company you owe the debt to before doing anything else.