please help! cant cope anymore!

wallopadonkey

you seem to be getting more positive already hun well done we are all thinking about it i am sure x x

haleygrey

if you decide to carry on and think that you might want some more advice, give national debtline a ring, they were the only people i contacted,(apart from filling in the online form for CCCs, ) the man i spoke to was very helpful non judgemental and didnt make me feel that i had done anything wrong. Im a firm believer in third time lucky!!

tigerfeet2006

tigerfeet2006 wrote: »

Ok so the CHB/Child tax credit will continue until he leaves college so that will be June/July. How much will that take off your income?

Do you pay any thing for petrol. Motability surely don't pay your petrol costs as well.

Up your clothes to at least £50/60

Can you answer the petrol question please.

homealone_2

tigerfeet2006 wrote: »

Ok so the CHB/Child tax credit will continue until he leaves college so that will be June/July. How much will that take off your income?

Do you pay any thing for petrol. Motability surely don't pay your petrol costs as well.

Up your clothes to at least £50/60

the clothes was set to £30 as i was told thats all i could put. and when i put money for petrol which is usually about £30 a month i was told could not put that as have freedom pass and have use of a taxi as for money i will lose when son leaves college it will be £81 a month for cb and £390 a month for ctc but that another year off as he not 18 till march

tigerfeet2006

homealone wrote: »

the clothes was set to £30 as i was told thats all i could put. and when i put money for petrol which is usually about £30 a month i was told could not put that as have freedom pass and have use of a taxi as for money i will lose when son leaves college it will be £81 a month for cb and £390 a month for ctc but that another year off as he not 18 till march

Well I would put £50/60 for clothes on the BR Soa. I guess you still have to buy your son clothes.

Well surely if you have a motability car you use it . What's the use of having it if you don't drive it. I would put the£30 back in.

Sorry was thinking your boy was older.

tigerfeet2006

RAS wrote: »

Monthly income after tax 386.24 I think you ought to sort this out.

Benefits 1628 - specify these as some are not included in IPA calculations
Other income

Total monthly income 2032.24


Expenses

Amount(£)

0
Rent (housing benefit £517.83) 557.83

Council tax tax benefit £104 104
Electricity 79.00
Gas 42.00
Water Rates 28.00
Telephone (land line) 28.00
Mobile phone 35.00
TV Licence 12.00
Satellite/Cable TV am putting nil as not allowed but pay £58
Groceries etc. 350.00 - for how many people?
Clothing 30- ditto £60
Petrol/diesel mobility pay for car £30
diabled taxi hospital, doc etc 12.00
Medical (prescriptions, dentists, opticians etc.)

Contents Insurance 30.00
Life Assurance 37.00
Other Insurance
Haircuts 20
Holiday 30.00
Emergency Fund

I make that £833

You may also be able to add money for DS's school dinners and activities. But I will have to check with one of the others on that.

creditors


rent 365.40 - this is important
halifax 8557.42
lloyds credit card 5663.45
marks and spencers 400.00
inland revenue 16,000
catalogue 221.00

Will ask one of the others to check this as well.

thefuzzyone

I make your total income £2014.24.

Definitely put your son's lunches, based on secondary school £3 per day
It's also worth putting an activity £5 per week for swimming.

Does motability include breakdown cover?

That's all I can think of for now.

homealone_2

thefuzzyone wrote: »

I make your total income £2014.24.

Definitely put your son's lunches, based on secondary school £3 per day
It's also worth putting an activity £5 per week for swimming.

Does motability include breakdown cover?

That's all I can think of for now.

the reason i didnt put too much down for son is that he gets dla and uses that for his needs. motability does already include the breakdown cover. besides those changes what does eneryone think the surplus money would put me in which box DMP, IVA or BR

dalip

I am confused as to what your surplus actually is:o .


Just because your son gets DLA does not detract from the fact he is still a dependant of yours. Put it this way if my daughter was on JSA i would still put things down for her(and as much as poss;) )as JSA does not go far so i would still be suplying the basics,if you get my drift:D

In regards to the SOA i agree with TF & [STRIKE]peac[/STRIKE]fuzzy:p

thefuzzyone

Sweetheart, it doesn't matter which 'box' the surplus puts you in.

You have overwhelming debts that are effecting your health and life, you are allowed to go BR.

The 'real' surplus is not the same as your surplus is on paper, as you have many different benefit elements that can't be taken into consideration in BR. The only surplus you need to worry about is the bit the OR could ask you to pay towards your creditors in the form of an IPA, for that he couldn't touch your housing benefit, CT benefit, child benefit, DLA, your sons benefits.

Please stop worrying about which 'box' you fit in, you can choose to do what you want to do, and I don't believe you want to be paying these debts back for years to come.