how do i deal with dca's??

indebtmummy_2

i am a single parent , son of 13 and a daughter of 7

Income support £149.27
Child benefit £33.20
Total £182.47

SOA..
Electric £30
V media £17 18 month contract
Vodafone £5 18 month contract
Water rates £5.20
Tv licence £4.00
Food £47.00
Laundry , cleaning , cat food , toiletries £5.00
Provident £13 needed this to get over xmas
Music lesson in school £5.00
School bus pass £7.15
Family day saver once a week to see my mom £6.50
School snack £3.00
Birthdays , christmas for both children £8.00
Clothing , uniforms , shoes £13.00



This is currently what i owe.
Simply b £364.03 now with Reliable collections.
Simply b £344.72 now with Reliable collections
Vanquis £533.65 now with Lowell ltd
Additions £317.75 now with Lowell ltd
Freeman/oli £319.97 now with EOS solutions
Grattan £1035.72 not heard off them for yet!
Studio £400.17 not heard off them yet!
And now my washing machine has broken , this will probably mean a crisis loan of some sort so my money could go down abit more.
I now have another debt to add ..credit union loan owe about £200.. and in arrears by atleast £120 by now.

Any advice on how to deal with dca's? as they are just adding on interest..

bargainbetty

You need to go to https://www.entitledto.com and check your benefits. You cannot live on that.

Good luck

indebtmummy_2

hi there.. tried that lol.. i am getting correct amount, and by august this year i will be on job seekers allowance as my youngest is 7 : (

Britwife

What about housing?

indebtmummy_2

i get full housing and council tax benefit ..

yenool

indebtmummy wrote: »

hi there.. tried that lol.. i am getting correct amount, and by august this year i will be on job seekers allowance as my youngest is 7 : (

sorry, I'm very ignorant on this subject (being 24 with no kids)......... do they take your money away when your youngest gets to 7 years old?

Seems very rough to me, what are you supposed to do, get a job and dump the youngest with a babysitter when not at school?

Obviously it is virtually impossible to live off £180 a week with a teenager and 6 year old, which I am guessing is the reason why you have all the catalog and credit card debts; just trying to pay for basics? Surely you are entitled to more than that?

To be honest it is difficult to see how you can afford to pay anything other than a token £1 a month to each creditor. Given your circumstances I don't think a judge would set a CCJ any higher, and would bankruptcy be the worst thing in the world in this situation.... assuming you have no assets to lose?

indebtmummy_2

hi , basically jobcentre change each year , now my youngest is 7 it will change to jsa...so i will have to look into after school and breakfast clubs for her
believe me i had considered bankruptcy.. but couldnt find the amount i have to pay to do it , think it is a few hundred isnt it?
no i have no assets to lose at all..
my bank is ok ,no debts with them at all so they might be safe?

indebtmummy_2

just bumping this up ..

ANY help on what to do with dca's? pleeeeassssse

indebtmummy_2

any advice on how to deal with dca's?

just had a missed call from scotcall .. not sure what debt and who they are collecting on behalf of

DGJsaver

indebtmummy wrote: »

i am a single parent , son of 13 and a daughter of 7

Income support £149.27
Child benefit £33.20
Total £182.47

SOA..
Electric £30
V media £17 18 month contract
Vodafone £5 18 month contract
Water rates £5.20
Tv licence £4.00
Food £47.00
Laundry , cleaning , cat food , toiletries £5.00
Provident £13 needed this to get over xmas
Music lesson in school £5.00
School bus pass £7.15
Family day saver once a week to see my mom £6.50
School snack £3.00
Birthdays , christmas for both children £8.00
Clothing , uniforms , shoes £13.00



This is currently what i owe.
Simply b £364.03 now with Reliable collections.
Simply b £344.72 now with Reliable collections
Vanquis £533.65 now with Lowell ltd
Additions £317.75 now with Lowell ltd
Freeman/oli £319.97 now with EOS solutions
Grattan £1035.72 not heard off them for yet!
Studio £400.17 not heard off them yet!
And now my washing machine has broken , this will probably mean a crisis loan of some sort so my money could go down abit more.
I now have another debt to add ..credit union loan owe about £200.. and in arrears by atleast £120 by now.

Any advice on how to deal with dca's? as they are just adding on interest..

That SOA doesnt make sense , some of it seems to be weekly and others monthly ?

What is it from Virgin thats an 18 month contract ?

As for the DCA`s , answer and explain you will ONLY deal with them in writing , ask them to address their concerns in writing , end the call , with all of them

You havent given much info for your particular situation so it`s hard to advise best...

indebtmummy_2

hi , this is all weekly.. virgin media is phone line, calls ,broadband and tv..works out to about £68 a month ..so i save weekly..
i have recieved letters from them they want me to fill out a financial statement for them and send them back , in the middle of doing this