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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
    • 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-

    From April 2017, to increase efficiency, I will be adding monthly figures at the end of the month, only.

    INCOME
    Benefits. . . . . . . . . . . . . .... . 500.20 I 750.30 I 502.20
    Wilko Card............................006.00 I 082.00 I 051.95
    Iceland Card.........................002.00 I 052.00 I 028.31
    Refunds................................000.00 I 000.00 I 016.99
    Warm Home Discount..........000.00 I 058.37 I 000.00
    Topcashback........................000.00 I 032.00 I 000.00
    Complete Savings.................000.00 I 031.87 I 000.00
    Transfers from Savings........000.00 I 029.20 I 020.00
    Ebates...................................000.00 I 008.83 I 000.00
    Opening Bank Balance.........000.00 I 005.95 I 278.19
    Miscellaneous.......................000.00 I 000.00 I 010.15
    Interest..................................000.29 I 000.27 I 000.00

    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 027.86

    Variable Card Payments
    Food, Household, Toiletries...081.22 I 143.72 I 037.43
    Clothes and Shoes................004.92 I 169.55 I 000.00
    Hairdressing..........................000.00 I 000.00 I 018.00
    Christmas and Birthdays.......000.00 I 000.00 I 000.00
    Travel, Hobbies, Leisure........006.99 I 020.10 I 002.70
    Miscellaneous........................048.27 I 142.74 I 048.22

    Other
    Not Allocated.......................000.00 I 059.51 I 575.08
    Closing Bank Balance............005.95 I 278.19 I 000.00
    Wilko Card.............................082.00 I 051.95 I 027.30 -> termination (-> save 10% via Complete Savings)
    General Savings...................066.22 I 008.83 I 000.00
    Iceland Card...........................052.00 I 028.31 I 028.31 -> termination (-> Lidl and Tesco)
    Cash.......................................000.00 I 000.00 I 000.00

    TOTALS.................................508.20 I1050.79 I 874.99
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    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
    £016.64 Checkoutsmart - need to make £20 to avoid 5% fee
    £015.00 Millets Gift Card - for walking trousers
    £013.65 OnePoll - need to reach £40 before payment
    £010.82 Tesco Clubcard points - saving for Christmas. Add £200 by 17/10 for 6% bonus
    £008.75 Topcashback payments pending
    £007.17 Nectar - can add eRewards, and double up at Sainsburys - I need DVD/VHS/CD storage.
    £006.11 KFC Stamps
    £005.25 eRewards - need to make £5 to convert to Nectar points - or make more, for bonus points
    £005.00 Millets Review Reward
    £003.50 Asda Voucher - print by 7/5, use by 4/6
    £000.97 Asda Voucher - print by 13/5, use by 10/6
    £000.82 Boots Card
    £000.25 Tesco Clubcard points every 3rd of the month for survey
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    NODDLE CREDIT SCORE: Sept '16: 497 Jan '17: 502 Apr '17: 508 500
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    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) 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.
    (6) Welcome Finance 'Debt':
    27/04/17: Issued legal warning through Resolver to Welcome Finance re. £10.6k 'debt' registered against me.
    27/04/17 Welcome Finance responded requesting my DOB, and I sent it by return.
    27/04/17 Welcome asked for my address history, and I responded immediately.

    Outstanding Tasks
    Set up new S/O on debt number 9.
    Apply for court for certificate of satisfaction for debt 5.
    Resolver issues:-
    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.

    Pending Tray
    Christmas budgeting - Park?
    Query with central government, via collection agency, re. illegal evictions, etc.
    Last edited by miracleworker; Yesterday at 7:14 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: £467.95. No. Of Debts Repaid: 4/10. Savings: £111.49.
    • 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: £467.95. No. Of Debts Repaid: 4/10. Savings: £111.49.
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,526 Posts
    • 49,794 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
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