Trying to get organised again

emlc27

So, I have cleared up lots of debt which I am pleased. But now I find my arreas are causing me so much trouble.
I split from my partner ( I have no children) and cannt get out off arreas.
My electric company want to fit a meter (I have 4 weeks left before this is going to happen. I cannot have a meter installed it will get me into trouble with my landloard. I have explained this to Southern Electric. But they want half the balance up front before they will agree another payment plan. I Owe them £1000 now. So have the balance is £500 but they will accept £400. I can not afford this.

My Council tax I have arreas from previous years (about £1000) and now this years tax is going to court next week. I might ask for an attachment to earnings at least it gets paid then.

I have this arreas as over the past 3.5 years I have been made redundant twice and out off work for about 7 months (in total here and there).

I now have a stable job in the NHS but on low wage. I am currently filling in the form for council tax benefit but this is not going to stop them going to court.

Here is my SOA

My mobile phone bill is high as I have 3 hands sets one for me and two for my nice and nephew.

I cant council them at the moment as the contract does not end untill june next year. It will cost to pull out early. Unless any one knows of any tricks to leave a contract ealry.


Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1200
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1200
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 106
Management charge (leasehold property).. 0
Council tax............................. 117
Electricity............................. 54
Gas..................................... 6
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 30
Mobile phone............................ 150
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 0
Clothing................................ 0
Petrol/diesel........................... 160
Road tax................................ 0
Car Insurance........................... 38
Car maintenance (including MOT)......... 0
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......................... 73 (pension)
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 777

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
FLM............................3000......140.......42.6
Log book loans.................500.......97........437
Arreas Council tax.............1200......60........0
phone line arreas..............150.......0.........0
Arrears Electric...............900.......40........0
Total unsecured debts..........5750......337.......-

Monthly Budget Summary
Total monthly income.................... 1,200
Expenses (including HP & secured debts). 777
Available for debt repayments........... 423
Monthly UNsecured debt repayments....... 337
Amount left after debt repayments....... 86
Personal Balance Sheet Summary
Total assets (things you own)........... 900
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,750
Net Assets.............................. -4,850

I dont understand the above as my bills come out different when I write down whay gots out each month.

Rent106Council tax120Gas5Water E&SWater Ang40electric90Car Insurance32.72loan139car loan97mobile150home phone30petrol160969.72


So I need to pay off council tax and some how get southeren to chang there mind about a meter

HELP :-)

Em

Tixy

Hi emlc

As you probably know council tax and electricity are priority debts.

With regards to your mobile phone you could cancel the handsets for your niece and nephew just leaving you with your which will be much cheaper. Then you need to ask if you can go to the lowest possible tariff. Tell them you are in financial difficulty and they should let you reduce. Some providers only let you drop down a tariff each month so you might need to do it over a few months.
Alternatively your niece and nephew or their parents need to start contributing their share of the bills - £150 is a ridiculous amount, you need to aim for a total spend of £20-30 per month.

What is the FLM debt? Is this unsecured credit?

Why do you not have any groceries budgeted for? You also need to include road tax and car maintenace (budget 1/12 of the annual cost each month).

emlc27

Hi when it comes to food etc i just buy what I can if i can. I often eat at my sisters house or live on basic things.

FLM is unsecured but it has a garentor with it so I cannot not pay them

Thank you for replying

misspoppy

Hi

What ever you do avoid an attachment of earnings it will be anything up to 25% of your wages which will just get you into further trouble. Is there anyway you can live without your car, after the mobile phone bill its the next biggest drain on your finances. Is your rent really only £106 per month?

emlc27

Hi,

I cannot get rid of my car I work out in the sticks.

Yes my rent is very low.

Do I have any rights for the electric company not to be able to break into my property and fit a meter?

Tixy

Hi Emlc - might be worth asking for opinions re the meter on the utiliities board. I would certainly think they are not allowed to break in but I imagine they are entitled to require you to allow them to fit a meter or to stop supplying the property if you refuse. But I'm sure other people have asked similar questions about landlords not allowing a prepayment meter so there may be an answer on that board.