hello newbie so be gentle

meganstaff

Thank you confused for the support. We're having a really tough time atm with christmas approaching, hence dealing with all this while im feeling !!!!! anyway.
Answering your questions i have coal central heating which ive put on my SOA and also in Wales we get free prescriptions so there are no costs there. My health isnt too good and ive a number of tests mri etc and specialist appointments coming up before xmas, work look like they may be trying to finish me but ive got to the point where i dont care anymore, cant even face going out the door these days. sorry im rambling got busting headache after all this today, best leave diggin out hidden debts til tomorrow hey.
than ks again
meg

confused76

oh sorry i didn't think when i saw the coal!!
hmm with all that going on work should be at the back of your mind.
ramble away it's ok, i've had a sore head for days, i know how you feel
just take one step at a time, don't try and do too much. if you can't face it one day - leave it. as long as you've done your soa by the time you go to see CAB that's all you need to think about. the rest will come together in time
sue x

MicheH

Hi hun, I've just caught up with your thread and well done for posting As you can see we're all a friendly bunch who will help if we can even if it is 'just' a shoulder. I know you're waiting on SOA help and that won't be long in coming (i'm not very good at SOA's) I just wanted to say and I hope you stick around with us be good to help you throught the tough times and laugh with you through the funny times (and there will be some days where you have a hoot even though I know you're going through a tough time let alone a tough time of year for you) Stay strong x

meganstaff

thanks guys, nice to know youre all here, i dont have anyone else cept kids and its not fair on them to dump on, theyre havin a tough time too. your kind words mean a lot, gonna have a good cry tonight i think, i'm missin my boy.
thanks
Gill

MicheH

You cry and cry, just let it out. Although we never ever forget those we lose I know myself I feel the hurt so much more when I'm having a tough time, I can't imagine what you're feeling right now, infact I don't know how you're coping i'm just pleased you posted here

MicheH

Bumping so hopefully someone can comment on SOA for OP

tigerfeet2006

Just going to look at it now.

Sorry been dealing with fractious kids.

jennihen

meganstaff wrote: »

thanks guys, nice to know youre all here, i dont have anyone else cept kids and its not fair on them to dump on, theyre havin a tough time too. your kind words mean a lot, gonna have a good cry tonight i think, i'm missin my boy.
thanks
Gill

Have decided to do everything different this year as I lost my mum and brother last christmas/new year. I'm with you - don't want to bring everyone else down but am already thinking "this time last year . . . " Couldn't imagine losing a child. . . .

tigerfeet2006

meganstaff wrote: »

Hi again,
I was wondering if this looks right to anyone, I have to take it to CAB meeting next tuesday. Any advice would be great, never thought id get this far today, im absolutley exhausted now.
thanks
meg

Household Information[/b]
Number of adults in household........... 2 (18yr old son on JSA) Does he make any contribution to your household?
Number of children in household......... 1 (15 yr old daughter)
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 342.98
Partners monthly income after tax....... 0
Benefits................................ 894.31
Other income............................ 0
Total monthly income.................... 1237.29
Monthly Expense Details[/b]
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 290.33
Management charge (leasehold property).. 0
Council tax............................. 52
Electricity............................. 60
Gas..................................... 0
Oil..................................... 0
Water rates............................. 38
Telephone (land line)................... 42
Mobile phone............................ 0
TV Licence.............................. 9 £12
Satellite/Cable TV...................... 0
Internet Services....................... 20 assuming this is essntial for your 15 year olds school work
Groceries etc. ......................... 350
Clothing................................ 80
Petrol/diesel........................... 80
Road tax................................ 15
Car Insurance........................... 18 make sure this is fully comp.
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 0 I know you don't pay for prescriptions but do you have to pay for dentists/opticians.
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 10 make sure this has accidental damage
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 20 £15 £10 for you £5 DD your 18 yo will have to pay for himself
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
coal.................................... 60
Total monthly expenses.................. 1204.33
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 200
Other assets............................ 0
Total Assets............................ 200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
council tax....................972.32....0.........0
rent arrears council ..........999.69....0.........0
bpo............................272.79....0.........0
welcome finance................3691.19...0.........0
studio cards...................320.......0.........0
capital one....................1035.83...0.........0
o2.............................450.19....0.........0
shopacheck.....................386.93....0.........0
provident......................1336.97...0.........0
first revenue..................28.86.....0.........0
vanquis........................353.08....0.........0
reliable clooections...........294.68....0.........0
welsh water....................180.25....0.........0
westcot........................349.5.....0.........0
iqor tv lic....................47.5......0.........0
eversheds......................432.......0.........0
Total unsecured debts..........11151.78..0.........

Monthly Budget Summary
Total monthly income.................... 1,237.29
Expenses (including HP & secured debts). 1,204.33
Available for debt repayments........... 32.96
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 32.96
Personal Balance Sheet Summary
Total assets (things you own)........... 200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -11,151.78
Net Assets.............................. -10,951.78

Hope that helps

meganstaff

Hi again,
Well I made it to the CAB appointment today, didnt think I would I was shakin and sweating so much. Well the ooutcome was he thought I should go bankrupt, which I had already accepted, but he doesnt seem to think I would be exempt from court fees. I have another appointment on 9th dec to see a specialist advisor to start the ball rollin, but how do i raise £510, £360 seemed enough of a nightmare, Ive not got anything for christmas presents or food and no way of getting them either, Christmas is gonna be bad enough for us as it is, with what happened last yr still haunting us. What is the point I cant see any light at the end of the tunnel for us.