Where do I start?

Bewildering_2

Here is the SOA that Pani asked me to do.

I can't post links so had to edit it a bit.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 385.4
Other income............................ 0
Total monthly income.................... 385.4

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 60
Management charge (leasehold property).. 0
Council tax............................. 5
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 150
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
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......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 355


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 385.4
Expenses (including HP & secured debts). 355
Available for debt repayments........... 30.4
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 30.4

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

Created using the SOA calculator at wwwmakesenseofcardscom.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

torikate

Hi Bewildering!
I dont have any real advise I just wanted to say well done on making the first step. It honestly does get easier! The only things I can offer about your SOA is your groceries. How many people are there in your household? £150 seems a lot if its only you (or even 2 people) There are some great threads on here about reducing your shopping bills. they may be worth a look. Good luck!
Tori xXx

Numpty_Monkey

Bewildering wrote: »

Here is the SOA that Pani asked me to do.

I can't post links so had to edit it a bit.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 385.4 check out Entitledto
Other income............................ 0
Total monthly income.................... 385.4

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 60
Management charge (leasehold property).. 0
Council tax............................. 5
Electricity............................. 45 ask your supplier about lower tarrifs for people on DLA, look at comparrison sites and cashback sites
Gas..................................... 45 as Electric
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 150
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
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......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 355


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 385.4
Expenses (including HP & secured debts). 355
Available for debt repayments........... 30.4
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 30.4

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

Created using the SOA calculator at wwwmakesenseofcardscom.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

Not really much we can do with your SOA, I'm on JSA benefits so I can understand the lack of income, use the entitledto link to make sure you are getting all the benefits you can;)

Have a look at doing online surveys , daily clicks to get a few extra £'s :cool:

Numpty_Monkey

Bewildering wrote: »

Thank you Pani,I have sent you a pm.

My equifax report doesn't actually read to bad considering, and I have just contacted them regarding the other address and person appearing on my report so hopefully that will be sorted soon.

I have 4 debts attributed to me on the report, although 2 appear to be for the same debt.

Lowell Portfolio 1 Ltd; Default Date 18/02/2007; Amount: £ 133; Debt: £133 naughty lowell, they can't add a default for a debt that already has a default on it, send them the "prove it" letter

Santander Current Account; Default Date 18/01/2007; Amount: £ 133; Debt: £133 send them a bank reclaim under hardship rules linky

Cabot Financial (Uk)ltd; Default Date 07/04/2005; Amount: £ 668; Debt: £937"prove it"

Hutchison 3g Uk Ltd; Default Date 19/09/2006; Amount: £ 275; Debt: 275"prove it"

That is all under my name and address on the file, although has stated I do have a letter from a DCA asking for the sum of £1402.49
for the Royal Bank Of Scotland, although I believe that maybe for a debt more than 6 years old. I really do wish I could remember.
Maybe that debt will show up on the experian report?

I doubt it will show up, wait till you get the Experian report , if it's not on there you can send them the Statute Barred letter;)

Also the debt for Lowell and Santander are actually bank charges I refused to pay and resulted in me closing my account with Abbey.

Thats my guess but I'm not one of the clever peeps:o