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  • FIRST POST
    • Enough17
    • By Enough17 12th Feb 17, 7:54 PM
    • 15Posts
    • 5Thanks
    Enough17
    To Dmp or self manage?
    • #1
    • 12th Feb 17, 7:54 PM
    To Dmp or self manage? 12th Feb 17 at 7:54 PM
    Struggling with where to start.

    Never used credit or overdraft until had our first child 10 years ago. I went back to work as part time to keep childcare costs to a min. Husband self employed so would have been a few gaps in income...and then we met 0% credit cards.. started off maybe paying for a holiday then moving the balance then hub out of work so got a transfer of cash to one of our account..and suddenly we are 50k in debt...with not a lot to show for it. We did do our house up to a point, normal decorating etc..But no big spends like kitchens or anything like that, hub does all the work himself. We were managing the debt by moving balances and making sure to stay in 0% but then husband was out of work for 4 months due to an accident and now struggling to keep up with the payments.

    My salary has actually increased by 10kp.a as I am now back to working full time but more costs on travelling and childcare. If it wasn't for husbands accident and now rubbish boss for paying I think we'd be still managing well but I just feel like things are getting out of control.

    I will fill out the full soa now....but the figures below are the basics -

    House value 150k
    Mortgage bal -95k

    Mortgage 1- 620pm
    Mortgage 2- 250pm

    Credit card debt 50k including one loan and 2 overdrafts - approx 800-900pm payment
    Gas and electricity bill 1600 - need to arrange payment plan.
    Income 1 - 1700 (I'm studying also so hoping in 2 years this will
    Increase (approx 10k per annum)
    Income 2 - 1600 (not regular payments)

    one or two of cards has come to end of 0% deal...a few more will by end of this year aswell....adding to the pressure and were no longer receiving 0% offers. Noddle score for me - 2/5. Will do hubs next.

    We have so far missed 2 credit card payments (hubs name) For Feb 17 and 2 of mortgage 2 payments, Jan and Feb 17(Joint) This is due to husband not being paid for the 2nd week running (self employed and person working for doesn't like to part with his money).

    If he was getting his regular weekly wage I think we'd be ok but have nothing in place for an emergency and with his payments being so sporadic we have no guarantee we can meet the payments.
    Have spent the whole weekend reading posts in this site and so unsure as what to do.

    I am hoping I can ring up and pay the 2 mortgage 2 payments tomorrow as husbands boss has promised to pay what he owes. So then we just owe the 2 cc payments (approx 220 for both) . I also aim to set up a payment plan for the gas and electricity bill..as long as hub gets paid all he owes. I'm assuming I'll have to make a payment over the phone.

    So, do I ring credit card company and ask for more time but can't guarantee with husbands pay situation...or am
    I at Dmp stage?

    I'm already quite frugal with shopping etc and

    Any advice would be much appreciated..

    Thanks

    P.s sorry for posting in wrong threads lasnight...Clairebeth, fat belly and sourcrates.
Page 1
    • sourcrates
    • By sourcrates 12th Feb 17, 8:01 PM
    • 13,097 Posts
    • 12,398 Thanks
    sourcrates
    • #2
    • 12th Feb 17, 8:01 PM
    • #2
    • 12th Feb 17, 8:01 PM
    Hi,

    Thanks for posting.

    Just as a reminder, I'm sure you already know this, but your secured payments come first, before any unsecured debts.

    The credit card will have to wait.

    Usually a good first step is to post up an SOA (statement of affairs) then we have a better picture of what's going on :

    http://www.stoozing.com/calculator/soa.php
    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/
    • clairebeth
    • By clairebeth 12th Feb 17, 8:46 PM
    • 152 Posts
    • 58 Thanks
    clairebeth
    • #3
    • 12th Feb 17, 8:46 PM
    • #3
    • 12th Feb 17, 8:46 PM
    I'm so pleased you managed to post your own thread! No need to apologise, we all just wanted you to get the advice you needed! I didn't want you going away after making the effort to start talking about your debts!

    As I've said before, I'm not an expert on debt management, but there are plenty of people who are! Do your SOA now and the replies will come flooding in, I'm sure. Don't despair, you have a reasonable income, you will eventually be earning more, plus you don't always be paying for childcare, so things can only go up from here! Phone and pay your mortgage tomorrow though!

    My biggest frugal tip is: shop at Lidl! ( This comes from someone on maternity leave :-) ).
    • Sazzie23
    • By Sazzie23 13th Feb 17, 12:33 AM
    • 2,616 Posts
    • 10,487 Thanks
    Sazzie23
    • #4
    • 13th Feb 17, 12:33 AM
    • #4
    • 13th Feb 17, 12:33 AM
    Hi

    Well done for facing up to debt. It's a difficult time at the start and there are lots of routes to go down.

    I think in the situation where you are struggling to pay essentials, it's probably worth considering calling the Non-essential creditors (Cc and loan), to advise that you have financial difficulty and you are seeking advice on how to proceed. You can mention Stepchange as the creditors tend to accept you are taking this seriously. They should give you at least 30 days to decide what to do, but it takes the pressure off a bit.

    It will harm you credit rating though and may cause variable rates to increase and offers of increased credit limits to be removed, however in the long term that's probably a good thing as you'll reduce your credit burden.

    Worth trying the Stepchange debt remedy, it's free, you don't have to speak to anyone can be done anonymously if you prefer and there's no obligation to accept their advice or help, but it does talk through your options.

    Hope this helps
    Saz
    Debt -it's a fight that I'm winning, dealing with debt one day at a time.
    Estimated DFD August 2018 - 2031 - now 2027

    Guide dog Tess, missing Scotland 2 years

    DMP support no438.
    • Enough17
    • By Enough17 15th Feb 17, 9:55 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    • #5
    • 15th Feb 17, 9:55 PM
    • #5
    • 15th Feb 17, 9:55 PM
    Thanks very much Saz. I've done my SOA now would it be best to just post here or start a new thread?
    Thanks
    • Enough17
    • By Enough17 15th Feb 17, 10:01 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    • #6
    • 15th Feb 17, 10:01 PM
    Soa
    • #6
    • 15th Feb 17, 10:01 PM
    Hi everyone

    Got round to doing my SOA, still very unsure as to what my options are. Would I be considered for a debt management plan or is my debt too high? self managed or with Step Charity? Any advice would be much appreciated. Thanks

    [font=courier new]Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 1600
    Partners monthly income after tax....... 1200
    Benefits................................ 137
    Other income............................ 650
    Total monthly income.................... 3587


    Monthly Expense Details

    Mortgage................................ 620
    Secured/HP loan repayments.............. 250
    Rent.................................... 440
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 50
    Gas..................................... 0
    Oil..................................... 50
    Water rates............................. 0
    Telephone (land line)................... 20
    Mobile phone............................ 55
    TV Licence.............................. 12
    Satellite/Cable TV...................... 0
    Internet Services....................... 19
    Groceries etc. ......................... 250
    Clothing................................ 70
    Petrol/diesel........................... 250
    Road tax................................ 40
    Car Insurance........................... 90
    Car maintenance (including MOT)......... 35
    Car parking............................. 0
    Other travel............................ 10
    Childcare/nursery....................... 250
    Other child related expenses............ 60
    Medical (prescriptions, dentist etc).... 20
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 23
    Contents insurance...................... 0
    Life assurance ......................... 65
    Other insurance......................... 7
    Presents (birthday, christmas etc)...... 40
    Haircuts................................ 20
    Entertainment........................... 30
    Holiday................................. 40
    Emergency fund.......................... 50
    Total monthly expenses.................. 2866



    Assets

    Cash.................................... 0
    House value (Gross)..................... 160000
    Shares and bonds........................ 0
    Car(s).................................. 2
    Other assets............................ 40000
    Total Assets............................ 200002



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 94000....(620)......5.99<
    Mortgage - land................38000....(250)......1.99
    Total secured & HP debts...... 132000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Loan...........................2500......179...... .0
    credit cards x 8...............48000.....900.......0
    Total unsecured debts..........50500.....1079......-



    Monthly Budget Summary

    Total monthly income.................... 3,587
    Expenses (including HP & secured debts). 2,866
    Available for debt repayments........... 721
    Monthly UNsecured debt repayments....... 1,079
    Amount short for making debt repayments. -358


    Personal Balance Sheet Summary
    Total assets (things you own)........... 200,002
    Total HP & Secured debt................. -132,000
    Total Unsecured debt.................... -50,500
    Net Assets.............................. 17,502
    • dieselv2
    • By dieselv2 15th Feb 17, 10:12 PM
    • 157 Posts
    • 100 Thanks
    dieselv2
    • #7
    • 15th Feb 17, 10:12 PM
    • #7
    • 15th Feb 17, 10:12 PM
    £0 for council tax? Is this offset by CT benefit?

    £250 for childcare...have you applied to see if you are able to get help for this? Obviously there 15 hours free childcare if in a registered business. Not sure if changed to 30 yet.

    £240/yr in hair cuts?

    When you say studying aswell as working do you get student loan? Have you applied?
    Start of 2017 Debt: £15,889 | 31st Jan 2017 Debt: £13,400 | 16% Repaid
    • Enough17
    • By Enough17 15th Feb 17, 10:24 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    • #8
    • 15th Feb 17, 10:24 PM
    • #8
    • 15th Feb 17, 10:24 PM
    C Tax - included in the rent figure (rates where we are). We own a property and rent that out and we are renting elsewhere....
    Childcare, that's just after school for 2 children for 2 hours per day x 4 days. We both work full time.
    OOps the hair cut figure is definitely wrong. Ill amend below. Should only be approx 10 per month.
    I don't think I do but will check this out, it's for a professional qual whilst working full time (company pay for this).
    Thanks
    • Enough17
    • By Enough17 15th Feb 17, 10:32 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    • #9
    • 15th Feb 17, 10:32 PM
    • #9
    • 15th Feb 17, 10:32 PM
    Updated with amended haircut figure

    [font=courier new]Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 1600
    Partners monthly income after tax....... 1200
    Benefits................................ 137
    Other income............................ 650
    Total monthly income.................... 3587


    Monthly Expense Details

    Mortgage................................ 620
    Secured/HP loan repayments.............. 250
    Rent.................................... 440
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 50
    Gas..................................... 0
    Oil..................................... 50
    Water rates............................. 0
    Telephone (land line)................... 20
    Mobile phone............................ 55
    TV Licence.............................. 12
    Satellite/Cable TV...................... 0
    Internet Services....................... 19
    Groceries etc. ......................... 250
    Clothing................................ 70
    Petrol/diesel........................... 250
    Road tax................................ 40
    Car Insurance........................... 90
    Car maintenance (including MOT)......... 35
    Car parking............................. 0
    Other travel............................ 10
    Childcare/nursery....................... 250
    Other child related expenses............ 60
    Medical (prescriptions, dentist etc).... 20
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 23
    Contents insurance...................... 0
    Life assurance ......................... 65
    Other insurance......................... 7
    Presents (birthday, christmas etc)...... 40
    Haircuts................................ 10
    Entertainment........................... 30
    Holiday................................. 40
    Emergency fund.......................... 50
    Total monthly expenses.................. 2856



    Assets

    Cash.................................... 0
    House value (Gross)..................... 160000
    Shares and bonds........................ 0
    Car(s).................................. 2
    Other assets............................ 40000
    Total Assets............................ 200002



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 94000....(620)......5.99<
    Mortgage - land................38000....(250)......1.99
    Total secured & HP debts...... 132000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Loan...........................2500......179...... .0
    credit cards x 8...............48000.....900.......0
    Total unsecured debts..........50500.....1079......-



    Monthly Budget Summary

    Total monthly income.................... 3,587
    Expenses (including HP & secured debts). 2,856
    Available for debt repayments........... 731
    Monthly UNsecured debt repayments....... 1,079
    Amount short for making debt repayments. -348


    Personal Balance Sheet Summary
    Total assets (things you own)........... 200,002
    Total HP & Secured debt................. -132,000
    Total Unsecured debt.................... -50,500
    Net Assets.............................. 17,502
    • clairebeth
    • By clairebeth 16th Feb 17, 7:31 AM
    • 152 Posts
    • 58 Thanks
    clairebeth
    Well done, it always looks so much clearer when written down. I actually think you are in a position to pay this off as you have a fairly good income, but again, I've never been in your position, so others may have more sound advice than me.

    A couple of things I think you could save on:

    Mobile phone: change to Sim only with somewhere like giff gaff for £10 each. Save £35 a month

    Challenge yourself to spend £150 a month on groceries. Take the cash out of the bank at the start of the month and limit yourself to only that. Shop at Lidl, or if there is no Lidl, go to Aldi, even if you have to go out of your way to get there. Meal plan, meal plan, meal plan. And reduce meat. Loads of ideas on Pinterest and also Jack Monroe's blog, Cooking on a Bootstrap. Save £100 a month.

    £70 a month on clothing seems a lot? £840 a year? Maybe just don't buy clothes except for kids essentials for a while and buy second hand or at Asda/Primark. Save £40 a month.

    Car insurance seems really steep. Have you used a comparison site recently? And I think you have to go to Admiral's own site to get a quote for their multi car discount. Save £30 a month.

    Do you definitely need two cars, as it looks like a lot of money goes towards the upkeep of them?

    Does your childcare provider accept childcare vouchers? If so, you could check if you can get childcare vouchers via your employer and you would then save on tax. Save £50 a month.

    Do you need Life Assurance? This is not something I am familiar with as it is included in our pensions. Others will have more sound advice on this though.

    The other thing is that the interest rate on your mortgage is sky high. The obvious thing to do would have been to switch deals onto one of the current really low rates, but I'm not sure you will be able to due to having missed payments, it's definitely worth looking into though. Save £250 a month.

    I hope this is vaguely helpful to you!
    • Enough17
    • By Enough17 16th Feb 17, 9:20 AM
    • 15 Posts
    • 5 Thanks
    Enough17
    Am cutting down on all the things you have mentioned. Clothes that's for 4 of us and includes school uniforms, coats and shoes for 4 of us (2 growing kids) My mortgage (main) is fixed for another 4 years. Other mortgage interest is really good at 1.99 per month. Life assurance-yes need it for mortgage. May check cover as think we have critical illness in there which bumps it up. Fuel, 90% of that is my commute to work. No childcare provider doesn't accept vouchers. Thanks Clare-Beth. Wondering if I should start a new thread as no replies in terms of whether or not I can get out of this mess. Maybe the replies will happen today? Please...someone. Have credit card payments coming up and won't be able to meet all of them, not slept thinking about it all.
    • clairebeth
    • By clairebeth 16th Feb 17, 9:40 AM
    • 152 Posts
    • 58 Thanks
    clairebeth
    Keep this thread and keep all your info in one place. You can switch during a fixed period, have a look at the 'ditch my fix' section of this site. Obviously it all depends on what your fees are and whether you can get a new rate. Did your mortgage provider say you had to have the life assurance? Hopefully some wiser people than me will be along soon!
    • clairebeth
    • By clairebeth 16th Feb 17, 9:42 AM
    • 152 Posts
    • 58 Thanks
    clairebeth
    Can I ask how you got into this debt? Is there something that caused you to borrow that you are yet to change? Because if you don't change that, it will just continue. X
  • National Debtline
    Got round to doing my SOA, still very unsure as to what my options are. Would I be considered for a debt management plan or is my debt too high? self managed or with Step Charity?
    Originally posted by Enough17
    Hi

    It would be good if you could make reductions as suggested by the others, but based on this budget as it is I think a free DMP is a viable option. With £731 per month surplus you could clear £50k of debt in under 6 years if interest is frozen. You could also self-negotiate affordable payment offers directly with your creditors yourself if you prefer. There are sample letters on our website to help with that if you need them.

    I wouldn’t say one option is better than the other really, it depends on your outlook. Some people like the simplicity of making one payment per month to Stepchange and allowing them to do the legwork. Other people prefer to be more hands-on and in control.

    James
    @natdebtline
    Last edited by National Debtline; 16-02-2017 at 11:02 AM.
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • Enough17
    • By Enough17 19th Feb 17, 9:30 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    Thanks James. Think I'll call Stepchange this week. Was hoping for a few more replies to be honest. Think somone said the replies would be flooding in once I posted Soa. Suppose just wanting reassurance that a DMP is most viable option. Can't talk to anyone about this so looking for the support in here I guess. Husband ignoring the situation (he's not spending) but we're not tackling this together so am feeling very alone and unsure. Usually a happy person but this is affecting my health now as feeling very anxious about everything. Hopefully I'll feel some relief when I talk to sc. thanks again.
  • National Debtline
    Thanks James. Think I'll call Stepchange this week. Was hoping for a few more replies to be honest. Think somone said the replies would be flooding in once I posted Soa. Suppose just wanting reassurance that a DMP is most viable option. Can't talk to anyone about this so looking for the support in here I guess. Husband ignoring the situation (he's not spending) but we're not tackling this together so am feeling very alone and unsure. Usually a happy person but this is affecting my health now as feeling very anxious about everything. Hopefully I'll feel some relief when I talk to sc. thanks again.
    Originally posted by Enough17
    As a DMP isn’t legally binding you can stop it whenever you like. For that reason I personally think Stepchange is the better option for you at the moment, even if you change your mind later. They’ll help you get past the initial hurdle of contacting all of the creditors and establishing the payment plans. When people first start out negotiating it may seem a bit daunting if there are lots of companies to contact and correspondence to keep track of. As time goes on you might feel confident that you can handle it yourself, and may want more control of the offers being made. Of course, you may be happy to just leave the DMP running.

    I’m sure you’ll feel relieved when a plan is set up. Think of it as a positive move in taking control of your finances.

    James
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • Enough17
    • By Enough17 6th Jan 18, 11:57 AM
    • 15 Posts
    • 5 Thanks
    Enough17
    Back to sort this once and for all
    Hopefully im posting in the right place.

    It's been nearly a year since I posted on here and haven't done anything in terms of paying off the debt. Had a car accident in May which really knocked my confidence and basically we've been burying heads in the sand but now want to deal with this as the sleepless nights are becoming the norm. So so ashamed of myself. Not got into any further debt so the SOA should be almost the same. Only change is my income...got a job closer to home so that has reduced to 1279 but fuel expense has also been reduced as a result. Prob only £50pm max. Childcare costs have also reduced so technically we should be better off although it doesn't feel like it.

    The car accident I had resulted in me having to pay £2300 to the other driver as when we moved here (NI) we hadn't updated car insurance and I wasn't insured as the provider didn't cover NI. Another thing I am disgusted myself with. I have always been the one that looks after finances etc and with the debt worry etc I just started to ignore stuff..relationship was suffering at the time also.

    For the past few nights myself and partner haven't slept...I am now worrying a charge will be put on house we own (tenanted) Another reason we didn't do anything was we thought about selling rather than DMP back in Aug last year and had 3 offers that fell through, obviously once we put house up for sale our tenants left and that brought more stress and worry. So we took off the market and got new tenants.

    My credit report is for 3 X cc which have all defaulted - total £25k. Just waiting to do husbands but I think his will be roughly the same.

    Sorry such a long post...important thing to add, it's now moorcroft, and other dca's chasing us, I have emailed most of them but need to check. I have told them about to sort DMP with step. But just haven't been able to take the next step in dealing with it. I just want to make sure the DMP is still the best option now it's dca's contacting me rather than cc company. Mortgages are up to date. I really really want to sort this now. Will update SOA as soon as I can.
    Thanks for reading
    • clairebeth
    • By clairebeth 7th Jan 18, 11:04 AM
    • 152 Posts
    • 58 Thanks
    clairebeth
    Hi. Well done on coming back and asking for help. Must be so hard. Get onto Stepchange first thing tomorrow. They open at 8am : https://www.stepchange.org/Contactus.aspx

    The most important thing is to reduce your stress and get you and your hubby back on track with your sleep and relationship and provide a happy environment for your kids. This CAN get better. Stop beating yourself up about the car insurance and not being able to manage, these things happen. ALL the time. There is nothing to do but put it down to experience and move on.

    Do another SOA, just so you can see the current picture. Sit down with your hubby and go over it all. Is he fully in the picture? This is his responsibility too. Perhaps someone could take the kids for a few hours this afternoon and you could sit down together and look at the Stepchange website and make a plan for contacting them tomorrow with all the details you need.

    All the best to you.
    • Enough17
    • By Enough17 7th Jan 18, 12:12 PM
    • 15 Posts
    • 5 Thanks
    Enough17
    Thanks for your reply. Yes he knows and we are working through it together.

    I'm just really worried after reading on here about charges on property owned, can that happen?

    Getting the ball rolling tomorrow with a phone all to step change.

    Thanks
    • sourcrates
    • By sourcrates 7th Jan 18, 1:20 PM
    • 13,097 Posts
    • 12,398 Thanks
    sourcrates
    Thanks for your reply. Yes he knows and we are working through it together.

    I'm just really worried after reading on here about charges on property owned, can that happen?

    Getting the ball rolling tomorrow with a phone all to step change.

    Thanks
    Originally posted by Enough17
    Just one thing to keep in mind when dealing with debt collectors.

    Unless you specifically get a "notice of assignment" letter in the post to say such and such a debt has been sold to a new company, then debt collectors, such as Moorcroft, are only managing these debts for their clients.

    This means they cant do anything without the clients blessing, they do not own the debt, so cannot take legal action, or enforcement action of any kind.

    They will of been given a certain amount of discretion by there clients, in terms of what they can and cant accept payment wise, but its just something to keep in mind in case they try to flex their muscles, the function they serve is just as a payment collection service really, neither use nor ornament in my book.
    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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