hello everyone

boredofbeingathome

Ditto what Amy says..re council tax. You may also get it backdated..but don't hold your breath. It is also worth contacting a debt charity..as electric and rent, council tax are essential expenditure..everything else isn't apart from food.
cccs has an online debt remedy you can fill in with template letters to send to your creditors. Why not have a look.

jimpanzee

thanks very much

does that mean i've had it

cause will it mean i wont be able to rent anymore

Verbatim

Hi and welcome jimpanzee,

As a lot of your expenses are car related if you can't sell it could you do a sworn or whatever the sworn off road statement is? I think you'd need somewhere off the public highway to store it but at least you could get a refund of road tax and insurance.

I don't know what your circumstances are but is there a way you could up your income? Maybe an evening or two working in a pub or supermarket?

jimpanzee

just been on the cccs

they have suggested a dmp

£785 per month

can they do that its nearly 400 quid less

symesd

Statement of Affairs and Personal Balance SheetMonthly Income Details
Monthly income after tax................ 1472
Partners monthly income after tax....... 1246
Benefits................................ 681
Other income............................ 176
Total monthly income.................... 3575
Monthly Expense Details

Mortgage................................ 469
Secured loan repayments................. 477
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 161
Electricity............................. 97
Gas..................................... 109
Oil..................................... 0
Water rates............................. 43
Telephone (land line)................... 70
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 34
Internet Services....................... 0
Groceries etc. ......................... 426
Clothing................................ 63
Petrol/diesel........................... 180
Road tax................................ 25
Car Insurance........................... 106
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 28
Childcare/nursery....................... 508
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 28
Buildings insurance..................... 32
Contents insurance...................... 0
Life assurance ......................... 13
Other insurance......................... 25
Presents (birthday, christmas etc)...... 0
Haircuts................................ 19
Entertainment........................... 25
Holiday................................. 0
Emergency fund.......................... 25
Total monthly expenses.................. 3005
AssetsCash.................................... 0
House value (Gross)..................... 140000
Shares and bonds........................ 0
Car(s).................................. 8000
Other assets............................ 0
Total Assets............................ 148000

Secured Debts

Description....................
Debt...... Monthly...APR
Mortgage...................... 119000...(469)......4.74
Secured Debt.................. 20000....(477)......19.4

Total secured debts........... 139000....-.........-

Unsecured DebtsDescription....................Debt......Monthly...APR

cahoo0t........................8488.02...75........0
barclaycardvisa................5309.37...66........0
egg loan.......................4989.02...88.33.....7.9
Car Loan.......................3037......96.89.....23.7
Car Loan - Zafira..............4900......264.8.....0
rbs overdraft..................83.94.....0.........0
abbey overdraft................230.......55........0
naturally close................96.76.....24.95.....0
egg card.......................1754.47...35........0
egg money......................924.28....30........0
barclaycard....................550.......12........34.9
natwest overdraft..............2375.28...65........0
edf electric...................88.64.....30........0
edf gas........................226.54....40........0
rbs visa.......................2047.35...28........0
rbs mastercard.................1175.81...17........0
next catalogue.................1500......161.......23.8
choice catalogue...............683.57....113.......0
Littlewoods Visa...............243.89....12........25.89
capital one visa...............97.62.....5.........19.99
egg loan.......................3612.95...83.72.....7.9
Total unsecured debts..........42414.51..1302.69...-
Monthly Budget Summary

Total monthly income.................... 3,575
Expenses (including secured debts)....... 3,005
Available for debt repayments........... 570
Monthly UNsecured debt repayments....... 1,302.69

Surplus(deficit if negative)............ -732.69
Personal Balance Sheet Summary

Total assets (things you own)........... 148,000
Total Secured debt...................... -139,000
Total Unsecured debt.................... -42,414.51
Net Assets.............................. -33,414.51

Created using the SOA calculator at www.makesenseofcards.com. Reproduced on Moneysavingexpert with permission.

boredofbeingathome

Hi symsed i think you should start a new thread. The button is on the top left hand side of the forum. Good luck.

tallyhoh

Hi Jimpanzee,

Could I ask what all the loans & stuff were for? Not being nosy, just wondering if the cash went on anything you can sell. Might clear a loan or two.