Where do I start? Locating creditors

kerrypn

Good luck getting ready

If you are still struggling finding creditors, you could check your credit file too.

Hope it all works out for you

gettingready

Thanks KerryP
I am due to start my DMP from 1st Feb (January's salary) as did nto really want to put a rope round my neck over Xmas.
Still having problems locating 2 or 3 of them though grrrrrrrrrrrrrrr

mayfly78

gettingready wrote: »

Thanks KerryP
I am due to start my DMP from 1st Feb (January's salary) as did nto really want to put a rope round my neck over Xmas.
Still having problems locating 2 or 3 of them though grrrrrrrrrrrrrrr

Hi,

Well done for arranging DMP.

I was wondering though, how come none of your creditors "hassled" you for the last 18 months whilst you haven't been paying.
Did you get any DCA on your doorstep or harassing phonecalls?

gettingready

Well - first of all none of my creditors had my phone number.
Secondly, I live in a flat with an intercom and nobody lets anyone in unless they call specifically for their flat so even if someone has tried to contact me in person......Only one tried though and sent me a letter saying "As we were unable to enter the premises...."....

gettingready

Ok- looks I am back on BR route......

Number crounching over the past few days and I can NOT pay £811 per month, no matter what.

Could someone please look at my SOA that was done for me by CCCS for the DMP (where the surplus came to massive £811) and give me few pointers as to what this SOA for BR could be as BR seems to have a higher "allowances"....


This is the SOA that CCCS proposed for me:

Number of adults 2 (daughter is a student at Uni, living at home, no income apart from student loan which is a LOAN)
Monthly Income £2,323.00 (just mine)

Rent £ 436.00
Council Tax £ 96.00
Gas £ 80.00
Electric £ 50.00
TV/Mobile/Internet £ 65.00
TV License £ 12.00
SKY £ 25.00
Public Transport £ 100.00
Food/Toiletries/Cleaning £ 313.00
Meals at Work £ 50.00
Pets/Pet Food/Insurance £ 25.00
Tobacco £ 150.00
Medicine/Prescriptions £ 10.00
Dentist/Opticians £ 10.00
Hairdressing £ 18.00
Laundry/Dry Cleaning £ 25.00
Clothing/Footwear £ 22.00
Sports/Hobbies/Entertainement £ 15.00
Sundries/Emergencies £ 10.00
Total Expenses £1,512.00

Surplus £ 811.00

Thanks a lot

elfieb

Are you not even prepared to give the DMP a try......see how it works out?

gettingready

No, because it would be time and money wasted...

tigerfeet2006

gettingready wrote: »

Ok- looks I am back on BR route......

Number crounching over the past few days and I can NOT pay £811 per month, no matter what.

Could someone please look at my SOA that was done for me by CCCS for the DMP (where the surplus came to massive £811) and give me few pointers as to what this SOA for BR could be as BR seems to have a higher "allowances"....


This is the SOA that CCCS proposed for me:

Number of adults 2 (daughter is a student at Uni, living at home, no income apart from student loan which is a LOAN)
Monthly Income £2,323.00 (just mine)

Rent £ 436.00
Council Tax £ 96.00
Gas £ 80.00
Electric £ 50.00
TV/Mobile/Internet £ 65.00
TV License £ 12.00
SKY £ 25.00 Not allowed on SOA must come from surplus
Public Transport £ 100.00
Food/Toiletries/Cleaning £ 313.00 £400
Meals at Work £ 50.00 must come from groceries.
Pets/Pet Food/Insurance £ 25.00
Tobacco £ 150.00 Not allowed
Medicine/Prescriptions £ 10.00
Dentist/Opticians £ 10.00
Hairdressing £ 18.00 £10
Laundry/Dry Cleaning £ 25.00 £10
Clothing/Footwear £ 22.00 £50
Sports/Hobbies/Entertainement £ 15.00 not allowed
Sundries/Emergencies £ 10.00 most OR's won't allow
Holiday £25
Total Expenses £1,512.00

Surplus £ 811.00

Thanks a lot

I suspect the OR will want to see your DD pay towards some housekeeping. Sorry I think you will be better off in a DMP.

dojoman

GO here and do another SOA, when trying to quote on the present one, the font is all over the place.

http://www.makesenseofcards.com/soacalc.html


If you do that it will be easier for people to help you.

gettingready

Tigerfood - as always, priceless reply (and the speed), thanks a lot.

So, according to your figures above:

Number of adults 2
Monthly Income £2,323.00

Rent £ 436.00
Council Tax £ 96.00
Gas £ 80.00
Electric £ 50.00
TV/Mobile/Internet £ 65.00
TV License £ 12.00
SKY
Public Transport £ 100.00
Food/Toiletries/Cleaning £ 400.00
Meals at Work
Pets/Pet Food/Insurance £ 25.00
Tobacco
Medicine/Prescriptions £ 10.00
Dentist/Opticians £ 10.00
Hairdressing £ 10.00
Laundry/Dry Cleaning £ 10.00
Clothing/Footwear £ 50.00
Sports/Hobbies/Entertainement
Sundries/Emergencies
Holiday £ 25.00
Total Expenses £1,379.00

Surplus £ 944.00
70% £ 660.80

And that for 3 years - that looks better than £811 for 4-5 years (or more as all depends on the intereste being frozen or not...)

Hmmmmm - will talk to CCCS about the BR route in my situation.

Thanks a lot for yoru help, very much appreciated.