I Give Up I Have Had Enough!!!!

emlc27

There is just nothing I can do is ther. I post my SOA and as every one can see I can afford my monthy bills if i didnt have "extra" things waiting to be paid What am i going to do

emlc27

No no QQ used my debit card to take the payment. I have since cancelled the debit card

GeorgeUK

Try putting your SOA into the SOA calculator - it should hopefully make things a little clearer.
https://www.makesenseofcards.com/soacalc.html
If you are paying arrears for anything, list that as a seperate entry

Have you had defaults, CCJ's or late payments?

milliemonster

Sorry Em, I'm getting all confused now

right so, this is your income and outgoings:

Wages £1,415.00

Rent £106.00
Tv Licence £11.00
Council Tax £280.00
Gas £91.50
Electric £100.00
Water Essex & suffolk £25.00
Water Waste Angleia £25.00
Petro l£160.00
Car Tax / main £30.00
Car Insurance £28.00
Credit Card £50.00
Phone bil l£100.00
DMP £80.00
BT £12.50
Total £1099

this leaves a surplus of £316

Now, can you tell me if any of the above outgoings are included in the DMP?, I presume there are some council tax/utility arrears in here?

Also, I see you already owe your dad £200, plus now your sister £500, your friends for the laptops (how much is this?) and your dad another £2k is this right?

Are there any other debts that you are paying that are not included in the DMP and if so what are they and how much per month? also, who is your DMP arranged with?

emlc27

GeorgeUK wrote: »

Try putting your SOA into the SOA calculator - it should hopefully make things a little clearer.
www.makesenseofcards.com/soacalc.html
If you are paying arrears for anything, list that as a seperate entry

Have you had defaults, CCJ's or late payments?

I will try that now.

I have many late payments 3 defaults no ccj's

emlc27

milliemonster wrote: »

Sorry Em, I'm getting all confused now

right so, this is your income and outgoings:

Wages £1,415.00

Rent £106.00
Tv Licence £11.00
Council Tax £280.00
Gas £91.50
Electric £100.00
Water Essex & suffolk £25.00
Water Waste Angleia £25.00
Petro l£160.00
Car Tax / main £30.00
Car Insurance £28.00
Credit Card £50.00
Phone bil l£100.00
DMP £80.00
BT £12.50
Total £1099

this leaves a surplus of £316

Now, can you tell me if any of the above outgoings are included in the DMP?, I presume there are some council tax/utility arrears in here?

Also, I see you already owe your dad £200, plus now your sister £500, your friends for the laptops (how much is this?) and your dad another £2k is this right?

Are there any other debts that you are paying that are not included in the DMP and if so what are they and how much per month? also, who is your DMP arranged with?

I pay the DMP 80 per month (named Debts)
I pay my dad 200 per month for the 2000 he lent me

The laptops are 300 each so this adds to 900

My sister 500

I pay the creditcard still as this is what my boyfriend lent me.

The bills are high yes because of the arreas.
I dont pay any thing else

Kmac_Edin

Have you contacted your DMP to see what they are saying about Quick Quid? They have no right taking an unathorised payment from you.

How long have you got to pay the arrears on your bills for? xx

emlc27

Kmac_Edin wrote: »

Have you contacted your DMP to see what they are saying about Quick Quid? They have no right taking an unathorised payment from you.

How long have you got to pay the arrears on your bills for? xx

IAm in touch with my DMP at mo regarding QQ
I have to pay the arreas for 1 year. I have only just set payments up

emlc27

I tried the SOA calculater but it didnt really tell me much. or maybe i just dont get it lol

emlc27

[tt]
Statement of Affairs and Personal Balance Sheet



Monthly Income Details

Monthly income after tax................ 1415

Partners monthly income after tax....... 0

Benefits................................ 0

Other income............................ 0

Total monthly income.................... 1415



Monthly Expense Details

Mortgage................................ 0

Secured loan repayments................. 0

Rent.................................... 106

Management charge (leasehold property).. 0

Council tax............................. 0

Electricity............................. 0

Gas..................................... 0

Oil..................................... 160

Water rates............................. 0

Telephone (land line)................... 22.49

Mobile phone............................ 100

TV Licence.............................. 13

Satellite/Cable TV...................... 0

Internet Services....................... 0

Groceries etc. ......................... 100

Clothing................................ 0

Petrol/diesel........................... 160

Road tax................................ 10

Car Insurance........................... 29

Car maintenance (including MOT)......... 10

Car parking............................. 0

Other travel............................ 0

Childcare/nursery....................... 0

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................................ 0

Entertainment........................... 0

Holiday................................. 0

Emergency fund.......................... 0

(Unnamed monthly expense)............... 0

Total monthly expenses.................. 710.49



Assets

Cash.................................... 0

House value (Gross)..................... 0

Shares and bonds........................ 0

Car(s).................................. 1000

Other assets............................ 0

Total Assets............................ 1000



No Secured Debt



Unsecured Debts

Description....................Debt......Monthly...APR

B/F CC.........................2000......50........17.9

dad............................2000......200.......0

gas............................400.......100.......0

laptops........................900.......0.........0

sister ........................500.......0.........0

tax............................2250.31...280.......0

water2.........................135.......25........0

water1.........................201.......25........0

elec...........................538.......91.5......0

Total unsecured debts..........8924.31...771.5.....-



Monthly Budget Summary

Total monthly income.................... 1,415

Expenses (including secured debts)....... 710.49

Available for debt repayments........... 704.51

Monthly UNsecured debt repayments....... 771.5

Surplus(deficit if negative)............ -66.99



Personal Balance Sheet Summary

Total assets (things you own)........... 1,000

Total Secured debt...................... -0

Total Unsecured debt.................... -8,924.31

Net Assets.............................. -7,924.31