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Results: Which step should I take next?

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

62.86% • 22 votes

Piggybanking

0% • 0 votes

Work out my exact household expenditure

28.57% • 10 votes

Drop household maintenance? (Nothing needs doing at present)

2.86% • 1 votes

Get water meter to save poss. 75 per year

14.29% • 5 votes

Other (please specify in comment box - ty)

11.43% • 4 votes

You may not vote on this poll

35 votes in total.

  • FIRST POST
    • miracleworker
    • By miracleworker 14th Sep 16, 4:24 AM
    • 12Posts
    • 28Thanks
    miracleworker
    Plodding Through Debts
    • #1
    • 14th Sep 16, 4:24 AM
    Plodding Through Debts 14th Sep 16 at 4:24 AM
    2017 ACTUAL FIGURES : MAY17

    INCOME
    Benefits. . . . . . . . . . . . . .... .502.20
    Tesco Card...........................026.40
    Iceland Card.........................025.81
    Wilko Card...........................022.30
    B&Q Card............................015.00
    Complete Savings................015.00
    Refunds................................000.00
    Topcashback........................001.00
    Opening Bank Balance.........242.80
    Cash.....................................002.88
    Miscellaneous.......................038.85 - Checkoutsmart
    Interest..................................000.17

    EXPENSES
    Fixed Direct Debits
    Debt Repayments...............000.00
    Water . . . . . . . . . . . . . . . .... .021.70
    Complete Savings..................015.00
    Contents Insurance...............006.20

    Variable Direct Debits
    Electricity . . . . . . . . . . .... . . .047.00
    Phone and Internet. . . . . . . ..020.65
    Mobile....................................010.00

    Variable Card Payments
    Dentistry................................150.00
    Food, Household, Toiletries...087.51
    Clothes and Shoes................000.00
    Hairdressing and Make-up....017.99
    Christmas and Birthdays.......000.00
    Travel, Hobbies, Leisure........000.00
    DIY..........................................013.9 5
    Equipment..............................012.99
    Miscellaneous........................035.74

    Other
    Not Allocated..........................xxx.xx
    Closing Bank Balance............000.00
    General Savings....................097.02
    Tesco Card.............................000.00
    Iceland Card...........................021.11 -> termination
    B&Q Card...............................015.00
    Cash.......................................000.08

    TOTALS.................................891.69
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    Expenses from capital
    Gym Membership...................132.00 annually
    Mobile Phone:.........................115.00 one-off
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    ASSETS
    035.00 Sky Incentive Reward Card
    030.00 Credit On Water Bill
    012.42 Tesco Clubcard points. If joining Christmas Club, add 200 by 17/10 for 6% bonus
    010.00 Millets Gift Card - for walking trousers
    007.84 Topcashback payments pending
    006.11 KFC Stamps
    005.00 Millets Review Reward
    004.55 eRewards - need 5 to convert to Nectar points
    001.36 Receipt Hog - need to reach 5.00 (1500 coins) to pay out
    001.00 ePoints. Points are worth 10/2100 = .476p. Receipts pay 2.3p
    000.82 Boots Card
    000.25 Tesco Clubcard points every 3rd of the month for survey
    000.14 Nectar - can add eRewards, and double up at Sainsburys
    000.00 Checkoutsmart - need to make 20 to avoid 5% fee
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    NODDLE CREDIT SCORE: Sept '16: 497 Jan '17: 502 Apr '17: 508 500
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    Done
    (1) Challenged N.I. 'debts' of 300 approx. HMRC has now admitted this amount is not owed.
    (2) Found paperwork from 2012 where Financial Ombudsman declared my 'debt' of 10.6k to for car loan and insurances to be payable, despite no payout on FIVE types of insurance following serious illness. Welcome Finance have denied any wrong-doing,via Resolver, and I can take it to the Ombudsman, or court.
    (3) 3 debts on hold for 90 days.
    (4) 4th debt put on hold indefinitely by creditor.
    (5) British Gas Energy Trust agreed to pay my debt to British Gas of 79.60.

    Outstanding Tasks
    Reply to HMRC offer to write off N.I. 'debt'.
    Set up new S/O on debt number 9.
    Apply for court for certificate of satisfaction for debt 5.
    Open Resolver cases:-
    Appeal demand for WTC repayment - 694.40.
    Write to Barclays re overdraft debt - 678.36.

    Pending Tray
    13/5: I am extremely busy decluttering and fitting my flat. 20/5: No change.
    Christmas budgeting - Park?
    Last edited by miracleworker; Today at 12:44 PM. Reason: WIP
Page 2
    • miracleworker
    • By miracleworker 5th Mar 17, 1:27 AM
    • 12 Posts
    • 28 Thanks
    miracleworker
    Counter Claim Letter To Government 'Debt' Collector
    Dear sirs,

    Your Account Number: xxxxxxxxxxxxx

    I today received a letter from you saying I owed central government 330.40 for National Insurance contributions.

    I counter claim 20 addresses in 20 years, three no-fault evictions via HMCS and one no-fault dehousing outside of the court but via a 'legal' notice based on UK government information, and 5,000 hours of my time wasted in solving the legal riddle of why everyone, everywhere was telling me I could be evicted at no fault, wherever I lived, and in perpetuity, as a private tenant, and that this was "the law", which false claims are still being made illegally, online.

    Could you please pass this information to your client for further information?

    I am not only prepared to go to court, but perhaps it is time - notwithstanding the fact that I am currently facing 3-4 months of dental operations.

    Thankyou in anticipation.

    Yours,

    xxxxxx

    P.S. I should say I have two other government 'debts' - for Working Tax Credit Overpayment, and income tax, which are something like 600 and 5,500, respectively. Thankyou.
    Miracleworker

    Initial Debt: 5,562.94. Repaid: 467.95. No. Of Debts Repaid: 4/10. Savings: 111.49.
    • miracleworker
    • By miracleworker 16th Mar 17, 2:00 PM
    • 12 Posts
    • 28 Thanks
    miracleworker
    Reply From Government 'Debt' Collector
    Dear xxxxxxxxxx

    Thank you for your recent communication. We are writing to let you know that we have referred your concerns to our client. They will now review the concerns you have raised and provide a response in due course.

    In the meantime, we have put the account detailed above on hold and all collection activity has been suspended whilst we await further instructions from our client.

    etc.

    Yours sincerely,
    (Collection agency for central government)
    Last edited by miracleworker; 16-03-2017 at 2:26 PM.
    Miracleworker

    Initial Debt: 5,562.94. Repaid: 467.95. No. Of Debts Repaid: 4/10. Savings: 111.49.
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,558 Posts
    • 49,963 Thanks
    Bedsit Bob
    Given their behaviour, I think it is very wise of you to use a SO, rather than a DD.
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - 1161
    • miracleworker
    • By miracleworker 5th May 17, 1:23 AM
    • 12 Posts
    • 28 Thanks
    miracleworker
    HMRC has said I don't owe any N.I., and they write the debt off for it, so long as I accept it affects my record, for benefits and pension. I think I'll take their offer.
    Miracleworker

    Initial Debt: 5,562.94. Repaid: 467.95. No. Of Debts Repaid: 4/10. Savings: 111.49.
    • StopIt
    • By StopIt 5th May 17, 7:58 AM
    • 330 Posts
    • 269 Thanks
    StopIt
    HMRC has said I don't owe any N.I., and they write the debt off for it, so long as I accept it affects my record, for benefits and pension. I think I'll take their offer.
    Originally posted by miracleworker

    Remember that if you don't have enough NI contributions via work or NI credits, you wont get a full state pension.


    You can check your NI contribution status here: https://www.gov.uk/check-national-insurance-record
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