oh no! more debt problems arrgghh help!

wheretheresawill

what about clothes, haircuts, travel, tv licence, water, mobiles? do you have pets? what about things like xmas and birthday presents. I assume you get free housing and pay no council tax?

Sky tv is a definate no in your situation; can you get free broadband at your local library?

Why so many debts to energy companies? I thought you couldnt change provider if you owed money, but I may be wrong.

Are any of the kids in school? or playgroup? are there charges for this

Rainbow_Butterfly

I had a go on entitled to.. obviously I have no idea of your real details so I just put in 3 kids, living as single and got the following:

Tax Credits £7,358.40pa £141.12pw
Income Support/JSA £3,154.64pa £60.50pw

You will not have to pay Council Tax as you qualify for full Council Tax Benefit. Our calculation is based on you receiving £141.12pw from tax credits.

I would go on there and check, as the figures above arnt much more than you are getting atm, but every little helps. xx

liamsmum05

i do smoke yes but not even 20 a day i spend £2.20 every 3 days maybe.so yes i could quit as not been a heavy smoker.
my eldest has just started full time school i had his full uniform,p.e things,book bags to buy.
my second child goes to mums and tots 3 times a week with me which cost £1.50 a time
my youngest is 7m old i have nappies,food etc to buy for her
i dont drive nor have a car
the reasons the priority bills have got so much is because when i get my quarterly bill which could be £150 i cant afford to pay that at once i ring them up and ask if i can pay so much a week or month but they dont negociate and tell me a set amount which is too high.which is why i joined edf energy and set up a direct debit to pay £45 a month for gas and electric so i know a set amount is going out each month.
i dont really spend too much money on clothes shoes,i sometimes shop off ebay for clothes for me and the kids as seems pointless to buy brand new for stupid prices when you can get decent for cheaper.
i currently pay £8 for a weekly bus ticket to go to town,mums and tots and the kids grandparents etc
we dont have holidays, trips away as i can really afford it, we have days out but once in a while
the tv i cant really stop paying as it was from homebuy ive nearly paid it off now only £200 left and if i send the tv back i lose over £500 so its not worth it.
yes i agree i could cancel sky and get a freeview box which im looking into now

its not the fact im struggling payin these debts but its the fact of how ive sorted them out payment plans etc and still getting hassled and the debt just doesnt seem to go down while im paying it and ill be paying these for many years to come

bank_of_slate

liamsmum05 wrote: »

MONTHLY INCOME
Income Support 211.72
Child Benefit 175.60
Child Tax Credit 559.60
Increase your income by doing surveys, mystery shopping etc!
my regular monthly outgoings are...

sky £22 mnth
homebuy tv £20 mnth how many more payments until you pay this off?
gas £25 d/d
electric £20 d/d
aol broadband £14.99 mnth A deal with 1 comapny for phone, TV and internet could be cheaper
home phone BT £4.95 line rental (not including calls)
food £200 ish a month (about 50 a week)

now heres the debts including the payment plans i have with them..

PRIORITY DEBTS
British Gas 513.23
Britiss gas 58.25
edf energy 29.13
powergen/e-on 25.52
n-power electric 634.10
edf electricity 148.41 (pay £5 a month)
yorkshire water 237.13
n-power gas 363.20
scottish power 22.20
TOTAL PRIORITY DEBTS 2031.17

NON-PRIORITY DEBTS
Scary amount of VERY high interest debts! Can you add in the APR and how many payments you have to make?
Shoppacheck £576.15 (pay £10 weekly)
littlewoods £616.28 (pay £5 a month) Have you stopped purchasing from Littlewoods?
littlewoods extra £412.26 (pay £10 a month)
Homebuy £322.66 (pay £20 a month)
ace cards and gifts £268.32 (gone to moorcroft pay £10 a month)
Collections Direct £155.63 (£5 monthly payment plan arranged)
Kaleidoscope £44.46 (pay 10 a month)
next directory £171.32 (no contact made)
Provident personal credit £182 (pay £5 weekly):eek: :eek: :eek:
Cap Quest Debt Recovery £180.18 (£5 monthly payment plan arranged)
KDS Finance £55 (pay £5 weekly):eek: :eek: :eek:
Vanquis Credit Card £379.17
T-mobile £286.83 (gone to bcw group pay £10 monthly)
Natwest bank £868.60 (pay £5 a month)
talktalk £294.88 (no contact made)
avon cosmetics 90.00 (pay 10 a month) Have you stopped purchasing more Avon products?
grolier book club 86.00 (pay £1 a month) Cancel this as soon as possible!!!! They'll just keep sending the books forever.
yourcalls.net 158.27 (no contact made)
BST credit ltd 2210.00 (no contact made)
One bill telecom 129.20 (no contact made)

NON PRIORITY DEBTS TOTALS 7487.21

You really need some professional advice here otherwise you will just be paying off interest and the actual debts will never reduce!
...Linda xx

blaque*angel

How is it going OP?

Why dont you get sky broadband it is free!!!

also cut back on some of SKY'S channels and switch to skytalk.

this is what i done as british telecom are just too expensive!!!