Where should I post my SOA??

LostBoy

I have just joined the forum and I'm looking at using Churchwood. However, reviews are looking grim for them. I have an SOA where should I post it please?

whatatwit

Post your SOA on this thread.
Do you have to pay with Churchwood?
You would be better using one of the free ones, either Payplan or CCCS.

LostBoy

You mean paste my soa right here? - i have spoken to cccs and they are too busy to give me another appt and I connot wait 2 months. - and im sure neither can my creditors.

Jesthar

LostBoy wrote: »

You mean paste my soa right here?.

Yup! The calculator most people one he forum use is here:

http://www.makesenseofcards.com/soacalc.html

If you use the 'MSE' button in the 'Format results for discussion board' section near the bottom, you will be able to copy and paste the results right into a new post in this thread.

~Jes

Miss_Piggy_2

Hello, and welcome to the forum

Yes, post your SOA here. You would be surprised at the help posters can provide.

Also, PLEASE do not pay for a DMP. Look at CCCS or Payplan. Both other FREE IMPARTIAL Dmp's.

Miss P
xx

Numpty_Monkey

Look at one of the Debt Charities mentioned by whatatwit
Non-profit Debt Counsellors' List
You will probably get a betetr responce from your creditors using them
than from any fee charging company

Post your SOA on here
the help, advice and suguestions are amazing:A
welcome to the boards:hello:

ps bad speling comes free:D

LostBoy

OK here goes - It is not pretty.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 2100
Partners monthly income after tax....... 320
Benefits................................ 0
Other income............................ 600
Total monthly income.................... 3020

Monthly Expense Details
Mortgage................................ 1500
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 20
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 55
Mobile phone............................ 30
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 34
Car maintenance (including MOT)......... 0
Car parking............................. 4
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 65
Buildings insurance..................... 20
Contents insurance...................... 20
Life assurance ......................... 80
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 2360

Assets
Cash.................................... 0
House value (Gross)..................... 310000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 310000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(1500).....0
Total secured debts........... 0.........-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................10500.....189.......0
credit card....................9500......175.......0
credit card....................4500......75........0
loan...........................30000.....394.......0
Overdraft......................6000......0.........0
Overdraft......................7000......0.........0
Loan...........................12000.....500.......0
Loan...........................13000.....375.......0
Loan...........................7500......315.......0
credit card....................3000......48........0
credit card....................3000......48........0
credit card....................3200......50........0
credit card....................3500......60........0
Total unsecured debts..........112700....2229......-

Monthly Budget Summary
Total monthly income.................... 3,020
Expenses (including secured debts)....... 2,360
Available for debt repayments........... 660
Monthly UNsecured debt repayments....... 2,229
Surplus(deficit if negative)............ -1,569

Personal Balance Sheet Summary
Total assets (things you own)........... 310,000
Total Secured debt...................... -0
Total Unsecured debt.................... -112,700
Net Assets.............................. 197,300

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

Kudox

LostBoy wrote: »

You mean paste my soa right here? - i have spoken to cccs and they are too busy to give me another appt and I connot wait 2 months. - and im sure neither can my creditors.

Go to cccs website and fill in the online debt remedy, it will advise what the best course of action is, and you can follow everything through online without an appointment. I set up my DMP like this without speaking directly to cccs,they send you all the relevant paperwork and a ref number.
If you need to speak to them directly after you can get through to someone who will already have all your info.
I found it a very quick process.

LostBoy

other info is that I am self employed and VAT registered. when I contacted CCCS they were very helpful but not equipped to deal with VAT. and to have another appt with them would mean waiting 8 weeks. - i cannot wait that long. not least because my creditors and one in particlaur has now ripped up the loan agreement and threatened to take further action unless i make full paymeynt (£7500) by december 14th.

LostBoy

Kudox wrote: »

Go to cccs website and fill in the online debt remedy, it will advise what the best course of action is, and you can follow everything through online without an appointment. I set up my DMP like this without speaking directly to cccs,they send you all the relevant paperwork and a ref number.
If you need to speak to them directly after you can get through to someone who will already have all your info.
I found it a very quick process.

Thanks. I already have a CCCS reference but they couldn't help re: my VAT post above. could I go online at their site and enter my reference number and edit my financial statement myself? and would this then be accpetable to then approach my creditors myself and use my CCCS ref? - reason i ask this is because since speaking with the CCCS i have since spoken to my own Accountant to sort out my income NET of VAT and sent my financial statement directly to my creditors myself. - however some of them have accepted, some have refused and some have said they would reconsider it if it was via a 3rd party. hence considering churchwood.

Numpty_Monkey

LostBoy wrote: »

OK here goes - It is not pretty.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 2100
Partners monthly income after tax....... 320
Benefits................................ 0
Other income............................ 600
Total monthly income.................... 3020

Monthly Expense Details
Mortgage................................ 1500 :eek: i'll leave that for home buyer type people:A, if it isn't a typo
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 20
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 55 this can be lowered, i pay £16 per month, free broadband/ evening and weekend calls
Mobile phone............................ 30 is the best tarrif, go PAYG
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250 Look on OS board MoneySaving Old Style
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 34
Car maintenance (including MOT)......... 0
Car parking............................. 4
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 65 very high, check you are geting the best deal
and go through a cashback site
Buildings insurance..................... 20
Contents insurance...................... 20
Life assurance ......................... 80very high, check you are geting the best deal
and go through a cashback site
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0 ??
Haircuts................................ 0 ??
Entertainment........................... 0??
Holiday................................. 0??
Emergency fund.......................... 20
Total monthly expenses.................. 2360

Assets
Cash.................................... 0
House value (Gross)..................... 310000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 310000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(1500).....0
Total secured debts........... 0.........-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................10500.....189.......0
credit card....................9500......175.......0
credit card....................4500......75........0
loan...........................30000.....394.......0
Overdraft......................6000......0.........0
Overdraft......................7000......0.........0
Loan...........................12000.....500.......0
Loan...........................13000.....375.......0
Loan...........................7500......315.......0
credit card....................3000......48........0
credit card....................3000......48........0
credit card....................3200......50........0
credit card....................3500......60........0
Total unsecured debts..........112700....2229......- you need to get all the APR's, and payments

Monthly Budget Summary
Total monthly income.................... 3,020
Expenses (including secured debts)....... 2,360
Available for debt repayments........... 660
Monthly UNsecured debt repayments....... 2,229
Surplus(deficit if negative)............ -1,569

Personal Balance Sheet Summary
Total assets (things you own)........... 310,000
Total Secured debt...................... -0
Total Unsecured debt.................... -112,700
Net Assets.............................. 197,300

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

O|thers will have left coments while i've been typeing,
i left ine in orange