Time to join in - here goes

EllieB_2

Hi Pattiemay
You don't mention in your post whether you are a homeowner or not. If you are in rented accommodation I would strongly advise that you consider bankruptcy - you would need to find the fee which is a tad hefty but you would then be immediately be relieved from your debt and the stress of dealing with creditors. Maybe you could post again and let us know your housing status?
Best wishes

Molanole

Hi Pattiemay

Firstly, well done for coming on here. It means you've decided to face up to things and from now on things might be tough but they will only get better.

Secondly, as others have said popping up an SOA is a great idea. With advice from people on here, whilst it won't make you a million over night, there will undoubtedly be places where we can help you make small cut backs and thus improve ability to see the wood for the trees.

Thirdly, yes, this is a long process. If you ever have questions to ask, worries to get off your chest or simply just need to rant, pop it all on here. I have found it a great way of keeping motivated and no-one here will be bored by your story, they all (most anyway) want to help you through this.

In time, your confidence will grow again but we're all here to listen and help none the less.

Mola x

pattiemay

Quickie before going to work - Have rung cccs and have appointment on 5th july, also told me to open new basic bank account as my loan is with current one. will do that at lunchtime hopefully. We are in rented accomodation. Husband made bankrupt 3 years ago. Will try post SOA tonight. You have all made me spring into action whatever the outcome may be, still feeling weepy but as usual will put on brave face and go to work even though just want to curl up and stay home. Thanks for all the support, be back tonight

skylight

Glad your feeling a little bit better this morning!

CCCS will sort you out!

Take a deep breath and just get today out of the way - its a beautiful day here - talk yourself off for a walk at lunch, blow those cobwebs out!

lynzpower

Do you get paid for time off? Could you take a couple of days holiday?

I found taking a couple of days off at this stage to get my papers in order ( and merrily post on here etc) was invaluble and really helped me "get it together"

If this is possible, consider it

Chin up, things are getting better already

pattiemay

SOA - OK, I've just done the figures and it seems a long list, here it is;

Done this monthly to the best I can

Rent 248
Council Tax 100
electric pre pay meter 40 (includes arrears) only allowed pre pay
gas pre pay meter 42 only alowed pre pay
water 28
TV licence 11
land phone 22
mobile x 2 25
internet 18
prescriptions 13.60 (2 a month)
optitions cant spell it! 18 (approx for 2 of us)
car and van ins 47
car and van road tax 30 I think
car and van MOT/Maint 50
Deisel for both 120 (varies, I work 14 miles from home-Hubby varies)
contents ins 5
life ins 39 (for both of us)
Hubbys S/O 65 ( to insolvency people)
food/clothes etc. 340 (inc. Birthday cards, presents)
Total £1261.60
can't think of anything else at moment.

My wage per month 409.50
Husband average 900.00 (taken from bank statements as self employed)
Total £1309.50 - leaves about £48 spare

debts - HSBC loan 28252.00 taken from balance shown on internet account
credit card Virgin 3449.96
credit card LLoydsTSB 8107.40
Total £39809.36

Not a pretty sight is it.

pattiemay

I do not get paid for time off work - I wish. trouble is, my colleague is on holiday for 2 weeks so have to work every day and 2 hours a day longer, money will help tho.

ozzyfan_2

pattiemay wrote:

Quickie before going to work - Have rung cccs and have appointment on 5th july, also told me to open new basic bank account as my loan is with current one. will do that at lunchtime hopefully. We are in rented accomodation. Husband made bankrupt 3 years ago. Will try post SOA tonight. You have all made me spring into action whatever the outcome may be, still feeling weepy but as usual will put on brave face and go to work even though just want to curl up and stay home. Thanks for all the support, be back tonight

So pleased that you made the phone call pattiemay & good luck with your appointment

When you open your new basic account just make sure that the new bank is not linked with the one you have the loan with.

well done, you're doing great :T

jobbingmusician

pattiemay wrote:

I do not get paid for time off work - I wish. trouble is, my colleague is on holiday for 2 weeks so have to work every day and 2 hours a day longer, money will help tho.

What do you do, Pattiemay? Just curious as you write very well, but you're on a very low wage (maybe you are part time?)

I thought employers HAVE to provide 4 weeks each year paid leave, nowadays, under the Working Time Directive - have I got this wrong then? (By the way this is pro rata so if you work 1 day each week you will get 4 days off - which can include bank holidays - but it's still 4 weeks IYSWIM)

tawnyowls

jobbingmusician wrote:

I thought employers HAVE to provide 4 weeks each year paid leave, nowadays, under the Working Time Directive - have I got this wrong then?

They do, if you're an employee, but if the person is working as a self-employed contractor (that covers people like freelance writers or cleaners who work for different clients; basically anyone with responsibility for their own tax and NI), they don't.