Unemployed and they are trying to get me to pay?

cogster_2

Hi please see below my current finacial state. The thing is I have not long finished a contract with a company and now I am unemployed. I dont see employment coming very soon! The money I get from jobseekers allowance is what the LAW says I NEED to live on.

Can these debt collecters really as for a piece of this?

They ask for my income and outgoings on a form. Am I the only unemployed person on their books? I cant see me cutting down on anything ( I aint living in luxury here)/

Thanks - first-time DFW Nerd Club (No. is coming)

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 262.17
Total monthly income.................... 262.17

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 22
Gas..................................... 30
Oil..................................... 0
Water rates............................. 21.09
Telephone (land line)................... 27
Mobile phone............................ 5
TV Licence.............................. 11.63
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 5
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 12
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)...... 8.33
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Tobacco................................. 20
Total monthly expenses.................. 262.05

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

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Debitas (Cap1).................332.31....0.........0
Student Loan...................3500......0.........0
Guitar and Chain...............168.......0.........0
Water rates....................253.02....0.........0
Rent...........................300.......0.........0
TV Licence.....................139.5.....0.........0
Scotcall (NPower)..............70........0.........0
Talktalk.......................55........0.........0
Orange.........................850.......0.........0
Mum............................500.......0.........0
Water Rates....................200.......0.........0
Scott and Co...................450.......0.........0
Blair Scott (B of S)...........861.79....0.........0
Total unsecured debts..........7679.62...0.........-

Monthly Budget Summary
Total monthly income.................... 262.17
Expenses (including secured debts)....... 262.05
Available for debt repayments........... 0.12
Monthly UNsecured debt repayments....... 0
Surplus(deficit if negative)............ 0.12

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -7,679.62
Net Assets.............................. -7,679.62

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

P.S I live alone and have no car

paybacktime2008

i dont know but I thought i'd bump you up!

10past6

Hi and welcome to the forum :hello:

Looking at your SOA it's very tight, what I suggest is look at my signature and use the link within it to contact the debt charities listed, see if they can offer any advice.

Good luck

fatbelly

Hi

Well they can't have what you haven't got!

Suggest:

1. keep Student loan deferred

2. Check what schemes your water authority has to help bad debtors (2 lots of water arrears?) - might be worth contacting the CAB - they can also help with the rest

3. Get agreement with TV licencing to avoid fine

4. get agreement with landlord to avoid eviction (if these are rent arrears for your current property)

5. If you need to drop expenditure to afford 3 & 4, you need to be looking at water (they can't cut you off), telephone landline and tobacco as possible areas to squeeze.

6. Visit the Up Your Income Board!

ebsay2000

Hi,

I'm 'living' on income support................. (if you can call it living?).

The law says thats all i need to live on..................But the law doesnt take into account that gas and electricity prices have sky rocketed!!)

CAB said i should just make token payments of £1 a month to each of my creditors, as i can't afford anymore.

A £1 postal order actually cost £1.50!

Obviously my creditors arn't happy......and not everyone has accepted the idea of £1............BUT none of them have ever sent it back!!