dottyanne's debt diary

dottyanne

lo all hows it going

dottyanne

Heres how it looked:-

Monthly Direct Debits (personal)

Abbey Mortgage (6.50%) – 774.30
G E Money Serviving Limited (secured Loan) – 208.92
T V Licence – 11.07
Powergen – 120.00 - cut to £94.00 per month from the end of April
Sky Digital -42.50 reduced to £36.00 per month - cancelled sports
Direct Line (life) – 20.05
Direct Line (contents) – 36.36
Egg Card – 40.00 (15.9% Apr)
Egg Loan – 361.80 (7.7% Apr) Payable Till Dec 2011
Rbs Personal Loan – 61.39 (paid Off In August This Year)
United Utilities - 49.82

All Up To Date At The Moment!!

Monthly Bills (personal)

Council Tax – 98.00 – Up To Date
Kids School Dinners/snack Money – 111.00
Kids After School Club – 60.00 cancelled - saving £60 per month - yipee!
Food (approx) – 200.00
Oh Smoking – 125.00

All Up To Date At The Moment!!

Debts (personal)

Ground Rent – 200.00 Overdue – To Be Paid In Full
Capital One Cc – Me – O/s Approx – 300.00 (17.9%) Up To Date
Barclaycard – Oh – O/s Approx – 858.24 (limit 700.00) Overdue- They Want 175.00 Asap paid £25.00 as a token payment
Bt – Home Phone – 154.51 – Overdue All Due NOW PAID IN FULL
Capital One Cc – Oh – O/s Approx – 1015.00 (limit 1000.000 Overdue – They Want 130.63 Asap paid £25.00 as a token payment
Robinson Way Debt Collectors (british Gas) – Oh – Approx 608.00 – 20.00 Per Month – Overdue
Scotcall Debt Collections Agency (dss) – Oh – 3630.64 – 10.00 Per Month - Up To Date
Inland Revenue – Tax Credits Overpayment – 646.12 – Overdue Since November 2005 – Not Paid Anything!!
Great Universal – Me – O/s 651.83 – Payments Of £30 Per Month – Up To Date
RBS OVERDRAFT - 4000.00
Dad – 3100.00
Mum – 500.00
Brother – Car Loan – 37.19 Per Month – Up To Date

NOT EVEN TAKEN ANYTHING INTO ACCOUNT FOR SAVING FOR BIRTHDAYS AND CHRISTMAS ETC...............
Business Direct Debits

Shop Rent – 368.33
Motorline Insurance (van) – 52.14
United Utilities – 20.88
National Insurance – 10.50
Cardnet Charge – 25.57
Virtual Lease (every 3 Months) 84.60
Matsu – 30.00
Direct Line (car Insurance) – 50.00

Was Also 240.12 Hp Each Month On Van But Dad Has Paid This Off As Van For Sale – Will Be Paying Him Back Fully When Van Is Sold

All Up Todate At The Moment!!!!

Business Bills

Car Tax – 90.75 Due End Of This Month ******* PAID
Accountant – June 05 – 94.00 – Overdue
Accountant – Oct 05 – 94.00 – Overdue
Accountant – Jan 06 – 94.00 - Overdue
Cars Debt Recovery – 93.71 - 47.00 Overdue (due By 17/3/06) The Rest By Same Time Next Month
Business Rates – O/s 538.00 Overdue For Last Year – Have Written To See If They Will Spread Over This Year With New Bill
O2 (business Mobile ) – 60.45 – Overdue PAID
Bt – Business Phone – 80.14 – Overdue PAID
Inland Revenue – 05 Jul 05 – 120.85 Overdue
Inland Revenue – 05 Aug 05 – 96.68 Overdue
Inland Revenue – 05 Sep 05 – 96.68 Overdue
Inland Revenue – 05 Oct 05 – 120.85 Overdue
Inland Revenue – 05 Nov 05 – 96.68 Overdue
Inland Revenue – 05 Jan 06 – 64.21 Overdue
Inland Revenue – 05 Feb 06 – 96.68 – Overdue

Petrol & Diesel – Approx £40 Per Month

I Don’t Think Ive Missed Anything Off If I Have I Will Let You All Know!!

Income

I Get 178.57 Per Week Tax Credits
Oh Gets 147.00 Per Week Wages (if We Can Afford To Pay Him)
Cleaning Job (me) 50.00 Per Week
Dad Rent 90.00 Per Week
Child Benefit – 39.80 Per Week
Ex Husband – 25.00 Week (not Reliable)

Then I Take Whatever The Business Can Afford To Pay Me???

So Without My Income – 2298.27 Month

lynzpower

So come on DottyAnne, lets see how things are looking a few weeks on....

Im so chuffed for you love, really I am :T:

dottyanne

Hiya Lynz - thought id done mega but here goes.

Monthly Direct Debits (personal)

Abbey Mortgage (6.50%) – 774.30
G E Money Serviving Limited (secured Loan) – 208.92
T V Licence – 11.07
Powergen – £94.00
Sky Digital - £36.00 per month
Direct Line (life) – 20.05
Direct Line (contents) – 36.36
Egg Card – 40.00 (15.9% Apr)
Egg Loan – 361.80 (7.7% Apr) Payable Till Dec 2011
RBS Personal Loan – 61.39 (paid Off In August This Year)
United Utilities - 49.82

All Up To Date !!

Monthly Bills (personal)

Council Tax – 98.00 – Up To Date
Kids School Dinners/snack Money – 111.00
Food – 240.00
Oh Smoking – 100.00

All Up To Date !!

Debts (personal)

Ground Rent – 200.00 Overdue – To Be Paid In Full
Capital One Cc – Me – O/s Approx – 290.00 (17.9%) Up To Date
Barclaycard – Oh – O/s Approx – 858.24 (limit 700.00) Overdue- They Want 175.00 Asap paid £25.00 as a token payment Still need to pay more to get back up to date!!
Capital One Cc – Oh – O/s Approx – 1015.00 (limit 1000.000 Overdue – They Want 130.63 Asap paid £25.00 as a token payment, now got to pay £90.30 ASAP
Robinson Way Debt Collectors (british Gas) – Oh – Approx 608.00 – 20.00 Per Month – Up to date - sent letter to offer full and fianl settlement - no reply yet!
Scotcall Debt Collections Agency (dss) – Oh – 3630.64 – 10.00 Per Month - Up To Date
Inland Revenue – Tax Credits Overpayment – 646.12 – Overdue Since November 2005 – Not Paid Anything!!
Great Universal – Me – O/s 651.83 – Payments Of £30 Per Month – Up To Date
RBS OVERDRAFT - 4000.00
Dad – 3100.00
Mum – 500.00
Brother – Car Loan – 37.19 Per Month – Up To Date

NOT EVEN TAKEN ANYTHING INTO ACCOUNT FOR SAVING FOR BIRTHDAYS AND CHRISTMAS ETC...............STARTED SAVING FOR BOTH

Business Direct Debits

Shop Rent – 368.33
Motorline Insurance (van) – 52.14
United Utilities – 20.88
National Insurance – 10.50
Cardnet Charge – 25.57
Virtual Lease (every 3 Months) 84.60
Matsu – 30.00
Direct Line (car Insurance) – 50.00

Was Also 240.12 Hp Each Month On Van But Dad Has Paid This Off As Van For Sale – Will Be Paying Him Back Fully When Van Is Sold

All Up To date

Business Bills

Accountant – June 05 – 94.00 – Overdue
Accountant – Oct 05 – 94.00 – Overdue
Accountant – Jan 06 – 94.00 - Overdue
Cars Debt Recovery – 93.71 - 47.00 Overdue (due By 17/3/06) The Rest By Same Time Next Month
Business Rates – O/s 538.00 Overdue For Last Year – Have Written To See If They Will Spread Over This Year With New Bill
Inland Revenue – 05 Jul 05 – 120.85 Overdue
Inland Revenue – 05 Aug 05 – 96.68 Overdue
Inland Revenue – 05 Sep 05 – 96.68 Overdue
Inland Revenue – 05 Oct 05 – 120.85 Overdue
Inland Revenue – 05 Nov 05 – 96.68 Overdue
Inland Revenue – 05 Jan 06 – 64.21 Overdue
Inland Revenue – 05 Feb 06 – 96.68 – Overdue

Petrol & Diesel – Approx £40 Per Month

I Don’t Think Ive Missed Anything Off If I Have I Will Let You All Know!!

Income

I Get 178.57 Per Week Tax Credits
Oh Gets 147.00 Per Week Wages (if We Can Afford To Pay Him)
Cleaning Job (me) 50.00 Per Week
Dad Rent 90.00 Per Week
Child Benefit – 39.80 Per Week
Ex Husband – 25.00 Week (not Reliable)

Then I Take Whatever The Business Can Afford To Pay Me???

So Without My Income – 2298.27 Month

At The Moment My Husband Is Being Re- Assesed For His 3 Kids By Csa So We Will Have This As An Additional Bill Each Month Too (estimate No More Than About £60 Per Month)

.............As you can see i have made small headway into the debts and overdue bills. I am really aiming to be up to date on most of the bills by the end of May but only time will tell.

I have done a budget and am having no trouble sticking to it at the moment so im really positive about that.

And if i do get any extra money its going stright off the overdue payments and debts............im so determined!!

dottyanne

im actually a bit mffed as i thought, well felt id done a bit better than that,. although i am 100% more organised than i was at the beginning and have a real goal in my head now.........

mountainofdebt

Did you get any joy from the council?

scottishspendaholic

Hi dotty,

I think you are doing brilliantly! You have come on so much!

Maybe it would help to post the SOA again with one figure (in one colour) as the previous amount and then the new figure (in another colour, if its changed) - that might make it easier for you (and everyone else) to view and show you how far you've come!

I am so proud of you!

scottishspendaholic x

Bothered!

Hi Dottyanne

I too think you have done so well...its all positive steps and even if they seem little you are moving in the right direction :T which is the most important thing right now.

keep it up xx

lynzpower

Hey dotty, the other comment I made in your other thread about overdrafts, could you pay back the IR about your overdue tax credits instead?

dottyanne

mountainofdebt wrote:

Did you get any joy from the council?

Hi yes ! Heard from them today by letter - they confirm that they accept my payment offer so a bit of good news (at last) !! I'm well chuffed with that result i can tell you!!

dottyanne

lynzpower wrote:

Hey dotty, the other comment I made in your other thread about overdrafts, could you pay back the IR about your overdue tax credits instead?

Dont uderstand? pay back the IR about overdue tax credits instead? What exactly do you mean? sorry if im being a bit thick ???? xx