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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
    • 7Posts
    • 29Thanks
    miracleworker
    Walking Through Debts
    • #1
    • 14th Sep 16, 4:24 AM
    Walking Through Debts 14th Sep 16 at 4:24 AM
    CASHFLOW FORECAST

    20/12/17
    251.10 Income
    038.00 Gym
    028.75 Debt
    006.95 Insurance
    068.70 Not Allocated
    54.35 Per Week To Spend

    03/01/18
    018.00 Electricity
    010.00 Debt
    027.33 Debt
    068.52 Debt
    023.55 Water
    51.85 Per Week To Spend

    17/01/18
    028.75 Debt
    006.95 Insurance
    035.00 Carry Over
    065.00 Not Allocated
    57.70 Per Week To Spend

    31/01/18
    038.00 Gym
    018.00 Electricity
    010.00 Debt
    027.33 Debt
    068.52 Debt
    028.75 Debt
    47.75 Per Week To Spend
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    ASSETS
    045.00 Love2Shop gift cards
    025.00 Boots Card
    012.52 Iceland Card
    015.00 B&Q Card
    015.00 Millets reward codes in emails
    010.00 Millets Gift Card
    005.68 Topcashback payments pending
    005.00 payment pending from Receipt Hog
    003.00 Zeek bonuses in email + 001.05 via Topcashback - no min spend
    002.50 at Quidco - Feb. 2018
    15% off Millets voucher
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    NODDLE CREDIT SCORE: Aug '16: 497 I Nov '17: 508
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    DEBTS REMAINING
    (1) £0,250.00 for personal loan - payment £10.00
    (2) £0,683.38 for store card - payment £27.33
    (3) £0,862.50 for mobile phone - payment £28.75
    (4) £1,987.08 for credit card - payment £68.52
    -------------------
    TL. £3,782.96
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    TO DO
    1. List items for sale on eBay.
    2. Unused credit facility of £300 at Kaleidoscope. Asked them to close account and update ALL credit files. Done 08/12/17. First reply received 11/12/17.
    3. Unused overdraft at Lloyds Bank which they agreed NOT to give me, put on credit files - CHALLENGED at Resolver 08/12/17. Asked them to close account and update ALL credit files..
    4. £00,177.19 for water - CLEARED - apply to court for cert. of satisfaction & send to agencies.
    5. £00,124.47 for mobile - NEVER OWED - send letter to credit ref. agencies.
    6. £002xx for landline - NOT OWED - CHALLENGE.
    7. £00,400.00 for national ins. - NEVER OWED - reply to DWP.
    8. £00,678.36 for overdraft - CHALLENGED at Resolver 05/12/17. Offered £10 per week after resolution.
    9. £00,694.40 for working tax credit - CHALLENGE at link in email, and respond to DWP demand letter.
    10. £10,600.00 for car and ins. loan - CHALLENGED with Ombudsman at Resolver 05/12/17.

    COULD DO
    11. £05,500.00 for income tax - CHALLENGE whole amount at Resolver.
    Last edited by miracleworker; Yesterday at 12:07 AM. Reason: WIP
Page 2
    • sourcrates
    • By sourcrates 25th Jun 17, 10:38 AM
    • 12,700 Posts
    • 12,042 Thanks
    sourcrates
    Why have you deleted 90% of the thread ?

    It just does not make any sense to people reading it now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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