help!! i can't see any light at the end of the tunnel

dotstar24

I've got home today to find two letters from bailiffs one for my partners speeding fine, thats gone up to £240, another for this yrs council tax (i am still paying off last yrs and have been too streched to pay this yrs to council). theres no food in the cupboards, no gas cos the meters run out of emergency, my parters car has no MOT cos it needs a new part that we can't afford, i've pawn all my jewellry in the past to make ends meet, we're behind on loan payment and car payment...i've buried my head in the sand for too long now. i hate living like this and just want to cry.

rchrisp

can you post your SOA so we can see where all your money is going and we can try and help you make cut backs?

dotstar24

my partner is paid tomorrow (he's paid weekly). tomorrow water installment has to go or they'll take me back to court, but have got all these other bailiffs hassling me. we just behind on everything its so hopeless.


Monthly income after tax................ 980
Partners monthly income after tax....... 2600
Benefits................................ 109
Other income............................ 0
Total monthly income.................... 3689

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 550
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 60
Gas..................................... 40
Oil..................................... 0
Water rates............................. 156
Telephone (land line)................... 0
Mobile phone............................ 50
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 9.5
Groceries etc. ......................... 300
Clothing................................ 40
Petrol/diesel........................... 400
Road tax................................ 14
Car Insurance........................... 69
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 580
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2458.5

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

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
welcome finance loan...........7389......206.......NaN
welcome loan - finish..........2000......180.......0 this finishes in january so nt sure what total is owed
severn trent water.............650.......156.......0 have CCJ for this
speeding fine bailffs..........240.......240.......0
council tax this yr............1006......100.......0
council tax last yr............360.......100.......0
provident......................230.......100.......0
Total unsecured debts..........11875.....1082......-

Monthly Budget Summary
Total monthly income.................... 3,689
Expenses (including secured debts)....... 2,458.5
Available for debt repayments........... 1,230.5
Monthly UNsecured debt repayments....... 1,082
Surplus(deficit if negative)............ 148.5

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -11,875
Net Assets.............................. -11,875

rchrisp

dotstar24 wrote: »

my partner is paid tomorrow (he's paid weekly). tomorrow water installment has to go or they'll take me back to court, but have got all these other bailiffs hassling me. we just behind on everything its so hopeless.


Monthly income after tax................ 980
Partners monthly income after tax....... 2600
Benefits................................ 109
Other income............................ 0
Total monthly income.................... 3689

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 550
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 60 can you get a dual fuel deal?
Gas..................................... 40
Oil..................................... 0
Water rates............................. 156 why so high?
Telephone (land line)................... 0
Mobile phone............................ 50 speak to your network about getting a better plan.
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 9.5
Groceries etc. ......................... 300 how many of you are there? you should be able to cut this down.
Clothing................................ 40 you cant afford this.
Petrol/diesel........................... 400 why so high? do work pay mileage?
Road tax................................ 14
Car Insurance........................... 69
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 580
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2458.5

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

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
welcome finance loan...........7389......206.......NaN
welcome loan - finish..........2000......180.......0 this finishes in january so nt sure what total is owed
severn trent water.............650.......156.......0 have CCJ for this
speeding fine bailffs..........240.......240.......0
council tax this yr............1006......100.......0
council tax last yr............360.......100.......0
provident......................230.......100.......0
Total unsecured debts..........11875.....1082......-

Monthly Budget Summary
Total monthly income.................... 3,689
Expenses (including secured debts)....... 2,458.5
Available for debt repayments........... 1,230.5
Monthly UNsecured debt repayments....... 1,082
Surplus(deficit if negative)............ 148.5

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -11,875
Net Assets.............................. -11,875

ive made some suggestions above...

dotstar24

mobiles are pay as you go

there are 3 off us, and we shop at asda prices have been going up. I know what u mean about clothes, but i've still got to clothe my son, plus i work in an office where your expected to be smartly dressed

I'm on prepayment meters for gas and electricity cos we got behind on that

bailiffs want £156 per month for water ccj

my partner easyily goes through £100 a week in diesel, but theres a collegue who works at the same site as him who lives near us, they're going to start car sharing to save fual so i'm hoping it will go down

Kandipandi

Further to what has already been suggested:
perhaps you need to speak to a debt management company (one that does not charge) I dealt with CCCS a couple of years ago and they were fantastic. They will arrange to call you back for a long interview (about 1 hr) and you can decide on the best plan for you. You can pay a token amount to all of your unsecured debts to enable you to make payments to your priority debts - rent/ council tax, utilities etc. You must always pay these first as you can go to prison for not paying council tax but not for the provi! I think this may be the best option for you, please contact them or someone similar to get help.

Good luck let us know how you get on x

p.s. I work in an office and hold a professional position and all my clothes come from Charity Shops and Supermarket Sales (you wouldn't know)!

fatbelly

Severn trent have a charitable trust. Is it worth having a chat to your local CAB to see if an application can be made as part of a strategy to deal with your debts?

In certain cases, the Trust can also consider giving some help to meet other essential bills, household needs or priority debts.