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My husband at 55 has just been diagnosed with young onset dementia, he has £52k in unsecured debt in a DMP and we have mortgage arrears I have been managing for several years as he was being treated for anxiety and depression, I assume caused by the mis-management of our family finances ( a seperate issue), something that only came to light after he was made redundant in 2012. My question is how to move forward - I am unable to pay these debts (in his name) as I only work part time and have no idea how much longer I will be able to do this with his diagnosis and need for care and he has not been able to claim benefits during most of this period as the dwp declared him fit to work twice - he received esa for the assessment phase and despite support from GP he was declared fit to work. when he applied a second time he was advised he did not have enough contributions - vicious circle. I have much to deal with moving forward but would appreciate advice on the debt above- unsecured. I have spoken to the debt management company who advised I should contact the debtors myself. I am in the process of obtaining an LPA financial.
