Newbie going br this month hopefully

anjalorum

Hi been browsing for a few weeks now finally plucked up courage to post. I have apt with CAB on 18th to fill in BR forms but do not have money to pay court yet court says its about 2 week wait after taking forms in. Need to get money together for deposit and rent on a house plus money to buy a car as the one we have is on finance so will need to go back have missed last payment .this is needed as OH has to travel 20 mile to work just started job last week we had no income for 5 wk before this . I rang one of the DMP before going to CAB they took my bank details but when they told me I would have to pay £198 a month I told them I did'nt have the money so would not bother but they took money from account anyway making me go overdrawn and ending up with £500 in charges hence all the money we have had in bank DLA & IB have gone to pay this we have been living off of fresh air clothes that I haven't been able to fasten for the last 2 yrs are hanging off of me .We had to cancel every DD to stop us getting more charges so phone will be disconected on fri sky has been cancelled we were on the cheapest package OH mobile disconected 3 mnths behind with mortgage this would have been paid if they did not take the money out rang bank same day they took money but said they could not do anything as it was a card payment have wrote to the company twice asking for money back into account the second letter I asked for all the charges I had been charged from the bank. but they have not replied will send another letter tommorrow
SORRY FOR GOING ON
have had house valued there is about 20000 in the house but this is taken up with secured loan (same company as car loan)
If We don't get money together for dep etc on a house how long will we have before we have to get out
Unsecured debts are £11000 rest is secured loan and mortgage
any advice
Thanks and sorry to ramble on

blind-as-a-bat_2

You need to break all that down a bit but the bit that stands out if im reading it right is the bank taking funds out of benefits, now if this was for charges you can get them back if they where funded out of benefits and maybe you can if it was a debit that shouldnt have come out, you may be able to use the first right of appropriation rules i think its called

Can you clarify what exactly was paid in and what was charged to eat it up as its a bit un clear

anjalorum

Was on phone and not the national debt line thought it was but taken for a ride

anjalorum

Had enough in to cover mortgage and phone bill but debt line to £194
I had told them I did not want to go ahead
this took me OD
gtee card payment fee for the £194 £35=38
not a clue about this
CHARGES
2 july unpaid s/o £1 £1 £2 =114
3rd " " s/o £1 =38
9th incapacity benefit £186.8
unpaid d/d 10 & 45=76
11th unpaid s/o£1=38
14th "" "" d/d £30-£10 =76
15th"" " 148.17 =38
22nd DLA £71
23rd IB £186.8
25th 1st wage (3 hrs) £18.10
OD clear
31st interest =£0.81
31st charge=£28
This is a basic a/c no OD allowed
total charges £448.81 if I'm correct
wages

blind-as-a-bat_2

Wich debt line? the national debtline or one of the other ones masquerading as them?

look up "first right of appropriation " on google UK it may help but it will depend on the timing for that payment but definatly will for charges

But if you said dont go ahead it was an unautherized debit, but proving that if you said that on the phone is going it be a bit hard, was it in writing by any chance?

anjalorum

Had enough in to cover mortgage and phone bill but debt line to £194
I had told them I did not want to go ahead
this took me OD
gtee card payment fee for the £194 £35
not a clue about this
CHARGES
2 july unpaid s/o £1 £1 £2 114
3rd " " s/o £1 38
9th incapacity benefit £186.8
unpaid d/d 10 & 45=76
11th s/o £1 =38
14th d/d/d£30-£10 =76
15th d/d 148=38
22nd DLA £71
23rd IB £186
25th 1st wage (3 hours) £18.10
OD CLEARED
31st interest=£0.81
31st charge=£28 don't know why
Total charges 448.81

So_Sad_Angel

Hi Anj & welcome.

Sounds like you are a bit panicky so first of all...take a deep breath.

Try & call one of the debt charities to clarify your position...get as much advice as possible. Then when you see CAB you will be as informed as possible.

Cancel all uncessary direct debits at your bank...this will give you a few weeks until they write to you anyway...then you will have a clearer understanding of the way forward.

Main thing is Honey...don`t panic & take one thing at a time.

Angexx

anjalorum

Have already cancelled direct debits so that we didnt get any more charges
when i go BR and open another account with COOP if i can will try to reclaim all charges but I will keep on at the company that took the money.

deedee_3

This thread has some good information about 'first right of appropriation' that you could use

http://forums.moneysavingexpert.com/showthread.html?t=1051611&highlight=first+right+of+appropriation