Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search

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
    • 11Posts
    • 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 : FEBRUIMARCHIAPRIL

    INCOME
    Benefits. . . . . . . . . . . . . .... . 500.20 I 750.30 I 502.20
    Scottish Power......................000.00 I 058.37 I 000.00
    Topcashback........................000.00 I 032.00 I 000.00
    Ebates...................................000.00 I 008.83 I 000.00
    Wilko Card............................006.00 I 082.00 I 000.00
    Iceland Card.........................002.00 I 052.00 I 000.00
    Carried Forward....................000.00 I 000.00 I 067.99

    EXPENSES
    Fixed Direct Debits
    Debt Repayments...............061.98 I 040.37 I 000.00
    Water . . . . . . . . . . . . . . . .... .021.70 I 032.55 I 021.70
    Contents Insurance...............006.20 I 006.20 I 006.20

    Variable Direct Debits
    Electricity . . . . . . . . . . .... . . .049.00 I 049.00 I 047.00
    Phone and Internet. . . . . . . ..027.63 I 019.77 I 018.99 - need to use tariff and timer.

    Variable Card Payments
    Food, Household, Toiletries...081.22 I 079.89 I 000.00
    Clothes and Shoes................004.92 I 165.53 I 000.00
    Christmas and Birthdays.......000.00 I 000.00 I 000.00
    Travel, Hobbies, Leisure........006.99 I 025.15 I 000.00
    Miscellaneous........................048.27 I 192.81 I 000.00

    Other
    Not Allocated........................000.07 I 210.15 I 309.48
    Wilko Card.............................082.00 I 056.95 I 000.00
    General Savings..................066.22 I 008.83 I 000.00
    Iceland Card...........................052.00 I 028.31 I 000.00
    Cash.......................................000.00 I 000.00 I 000.00
    Carry Forward........................000.00 I 067.99 I 000.00

    TOTALS.................................508.20 I 983.50 I 570.19
    -----------------------------------------------------------------------------------------------------------------------------------
    Expenses from capital
    Gym Membership...................132.00 annually
    Mobile Phone:.........................115.00 one-off
    -----------------------------------------------------------------------------------------------------------------------------------
    ASSETS
    £035.00 Sky Incentive Reward Card
    £033.33 Complete Savings payments pending
    £030.00 Credit On Water Bill
    £013.05 OnePoll - need to reach £40 before payment
    £012.36 Asda Vouchers
    £011.04 Topcashback payments pending
    £005.00 Reward for review at Millets
    £003.85 eRewards - need to reach £5 to use
    £003.50 KFC Stamps
    £002.10 Quidco - need to reach £5 in rewards to use
    £002.05 Nectar - can add eRewards, and double up at Sainsburys
    £000.74 Tesco Clubcard points
    £000.62 Boots Card
    £000.39 ePoints - need to make £10 to use

    Refunds Due
    £046.45 Regatta Coat
    £005.95 Dorothy Perkins Skirt
    £003.95 Regatta Postage
    -----------------------------------------------------------------------------------------------------------------------------------
    Done
    (1) Challenged government 'debts' of £6,500 approx. See post #21. - interim response at post #22
    (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.
    (3) 2 debts on hold for 90 days to have dental treatment.

    Outstanding Tasks
    Get my old bank account, with online banking, re-opened.
    Negotiatie for free dentistry.
    List toilet rolls and jam jars on eBay.
    Cancel Amazon Prime by 05/04.
    Appeal demand for WTC repayment - £694.40. - Email about this and other govt. 'debts' with N.I. 'debt' collector
    Write to Barclays re overdraft debt - £678.36.
    Submit paperwork to BG Energy Trust re. grant application to pay off electricity debt - £79.60.
    Use Resolver?

    Pending Tray
    Considering miBand/Flex2, plus Bounts, to make money from gym activity.
    Applied by email to court, on 18/03/17, to have debt 5 marked as settled.
    Christmas budgeting - Park?
    Query with central government, via collection agency, re. illegal evictions, etc.
    Last edited by miracleworker; Today at 8:18 PM. Reason: WIP
Page 2
    • miracleworker
    • By miracleworker 5th Mar 17, 1:27 AM
    • 11 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: £388.35. No. Of Debts Repaid: 3/10. Savings: £121.32.
    • miracleworker
    • By miracleworker 16th Mar 17, 2:00 PM
    • 11 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: £388.35. No. Of Debts Repaid: 3/10. Savings: £121.32.
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,463 Posts
    • 49,654 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,990Posts Today

6,246Users online

Martin's Twitter