Gerurdeanna's getting back on track thread!!

gerturdeanna

My and OH are splitting up, he is moving out next week. He's already cleared the joint bank account out once and I have applied for Income Support and single Child Tax Credit.
We were dealing with the CAB about a year ago, I have tried to go back to them but they are really really busy and the waiting list is ages!! Is CCCS any good?
I've been trying to fill in the online help form but will need to contact all the creditors to see if the are joint or single debts - lots of ringing round this pm I think. I will fill them all in on the situation and hope they have sympathy!!
I'm not expecting thousands of replies but a hello every now and again would be good!! hehe!!
Once I've finished with the online help form, I'll post my SOA and see if we can pick at it even more (with your help of course!!)
I do think though that at the moment with almost £35k of debt - it maybe best to go bankrupt??

**Amy**

:hello:

Sorry to hear about you and your OH, but sounds like you are taking very positive steps forward.

I would definitely suggest contacting all your creditors and filling in the online form for CCCS. You could also try contacting National Debtline (www.nationaldebtline.co.uk) who are also a free charity.

Good luck with the SOA, im sure you will get loads of support.

x

gerturdeanna

Ok....its been a long time coming I know!! I have finally sorted out my SOA.
Here it is:

Statement of Affairs - Single Parent family with two children aged 5 and 3
IncomePer week
Income Support£60.50
Child Tax Credit£87.00
Child Benefit£30.75
£178.25
Essential ExpenditurePer week
Mortgage (Paid for by Ex-Partner)£0.00
Council Tax (Covered by Council Tax benefit)£0.00
Repairs£5.00
Ground Rent£0.06
Water Charges£7.25
Gas£6.00
Electricity£12.78
Food, Housekeeping and other Personal expense £75.00
Clothing£10.00
Nappies£5.00
Emergencies£5.00
TV Licence£4.20
Telephone and Interent costs£14.00
Buildings and Contents Ins£4.20
£148.49
Available income for distribution to creditors PCM£129.00
Creditors:Pro Rota Offer PCM
Egg Court Order £17652.62£85.00
HSBC Court Order £3954.96£18.00
Nursery £3530.54£6.00
Lloyds £1867.95£5.00
AIC Activ Kapital £1051.33£4.00
Npower - Gas £561.19£2.00
Halifax £560.10£2.00
Blackhorse £553.22£2.00
Npower - Electric £483.18£1.00
Capital One £445.98£1.00
Kleenze £362.56£1.00
Littlewoods £335.85£1.00
BT £117.44£1.00
£129.00


All creditors are currently NOT charging interest or any charges.
Do you think this looks ok? I've followed the CAB SOA they produce for us last year and updated figures etc.

Does anyone have a template letter to send to my creditors with my proposed repayments? Nobody has changed actually, its just the Nursery that has been added in (but they aren't actually chasing atm, and I've been told that in all probablilty they won't....should I leave them out until they do??)

Your comments please.

Lula-Hula

Hi & welcome,

I seem to remember that there are templates on the CCCS website, if you do an online budget then the letter comes up in the 'solution'. If not then I think there'll be one on this website somewhere.

The thing I noticed was that your telephone & interenet charges are quite gigh at £14 a week. How about trying to get an all in one package, I'm curretnly paying £30 for the virgin 'phone, tv & intenet package. I believe sky also do one similar.

Good luck
lula x

gerturdeanna

My internet is £18 per month, services ie line rental and tv are £35.00 and the extra is calls.
I do need to get that down, but I'm tied into a contract for another 6 months and if I can anything, I've been told I have to pay £60 per month!!!!

Thanks anyway

gerturdeanna

Has anyone used that IMoneyManager, I've just downloaded it

gerturdeanna

IMoneyManager seems like a good program, but its asking me to propose repayments at £0.40 for the BT debt of £117.44, now I pretty sure that no creditor is going to accept less than £1.00 per month, is that right?
Should I tweak it a bit?
I really want to get this sorted now, cos I'm not sleeping very well and am scared of answering the phone!!

GeorgeUK

Hi Gert

Have a look at the price comparison sites to see if you can get a better deal for the utilities.

Have you looked at the old style board for mealplan ideas? Might be able to reduce the grocery bill a little.

I think you are right to have £1 as the minimum payment to each debt.
(Have you checked to see what debts are in your name and which are in OH's?)

Egg _________85
Hsbc ________18
Nursery ______8.96
Lloyds _______4.74
activ capital __2.67
gas _____i____1.42
Halifax __i___i_1.42
Blackhorse _i__1.40
Elec ______ __1.22
cap1 ________1.13
kleeneze _____1
littlewoods _i__1
bt _________ _1

Not too sure as to whether you should include the nursery or not if they aren't chasing and are not currently on your DMP. Did the CAB know about this when you set up the DMP or is this a recent debt? When was the last payment made towards it? (Probably not statute barred, but worth asking)

I would personally speak again to CAB (did they help set up the plan or are they actually dealing with it)?
Have you contacted either CCCS or payplan?
Have you requested copies of the credit agreements for those that should have them?
Have you tried reclaiming bank charges or credit card charges?
Have you had a look at your credit file to see what is on it?

gerturdeanna

GeorgeUK wrote: »

Hi Gert

Have a look at the price comparison sites to see if you can get a better deal for the utilities. The utilities all include arrears so the actual bog standard price is pretty cheap. And the telephone amount includes TV and Internet, I'm tied in for al least another 3 months but as soon as that is up I will be looking to change.

Have you looked at the old style board for mealplan ideas? Might be able to reduce the grocery bill a little. I don't think the grocery bill is that high, in that amount I have factored in loads of fresh fruit and veg for the kiddies, nights out, and anyother exception, ie Xmas etc. So anything that doesn't get spent on the 'food' goes in a pot for extras.

I think you are right to have £1 as the minimum payment to each debt.
(Have you checked to see what debts are in your name and which are in OH's?) But OH was an additional card holder or whatever on the other debts and he has said that he's spent the money too, so he has said he will contribute, don't know whether he wil or not, things are quite amicable right now.

Egg _________85 Joint
Hsbc ________18
Nursery ______8.96 Joint
Lloyds _______4.74
activ capital __2.67
gas _____i____1.42
Halifax __i___i_1.42
Blackhorse _i__1.40
Elec ______ __1.22
cap1 ________1.13
kleeneze _____1 Joint
littlewoods _i__1
bt _________ _1

Not too sure as to whether you should include the nursery or not if they aren't chasing and are not currently on your DMP. Did the CAB know about this when you set up the DMP or is this a recent debt? When was the last payment made towards it? (Probably not statute barred, but worth asking) The CAB knew I was in arrears with the Nursery, but now the children don't go as the Nursery refused entry for them, so in that respects its a recent debt. Last payment was probably June ish of this year so not statue barred. And I really am unsure of whether to include or not, I have 'inside' knowledge who suggest the Nursery will write the debt off....I have a letter rom them 3 months ago advising me to pay in within 2 weeks or they would take it further, they haven't but thats no guarentee that they won't.

I would personally speak again to CAB (did they help set up the plan or are they actually dealing with it)?The CAB helped set up the original plan 2 years ago and everything was being paid fine upto when my OH and I split and then for about 2 months I had no money coming in at all.
Have you contacted either CCCS or payplan? I've been in touch with CCCS and they have suggested that I drastically cut down my food and utility bills, as explained above I don't feel, I can do that just yet.
Have you requested copies of the credit agreements for those that should have them? How do I do this? Is there you ask the debt agency for it and if they don't have it, it gets wiped off?????
Have you tried reclaiming bank charges or credit card charges? Most have had charges reclaimed and I even mangaged to clear two other debts with returned charges. I'll have to go through my paperwork again and see which I've done and which I haven't.
Have you had a look at your credit file to see what is on it? A while back yes, it makes depressing reading!!

Thanks for the advice and comments George, I've replied as above.

GeorgeUK

Hi Gert

It might be best not to rock the boat with regards the payments - if the nursery aren't chasing you right now, you could perhaps put that money aside into a seperate account.

With regards the CCA requests, the debt is never written off, but you may be able to show that it is unenforcable if they are unable to to provide a copy of the credit agreement or if it doesn't contain all the prescribed terms.
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dancingfairy

I would try and get something in writing and try and get some help from a solicitor. Your ex is amicable right now but you don't want to be left trying to pay the mortgage as well and if your ex doesn't pay you need to have it in writing that he has agreed to pay it so they don't chase you for it - especially if you are still living in the house.