Ok newbie alert. 7 years burying my head in the sand...

dancingfairy

[QUOTE Do you have any CCJs (aside from the liability order for council tax)? [/QUOTE - Tixy I think Council Tax is dealt with in the magistrates court so won't count as a CCJ as the term CCJ only applies to judgements in the County Court.
But I agree with the question.
df

Tixy

Bradley_1984 wrote: »

Ok first things first - SOA:

Incomings

Wages £1057.35
Housing Benefit £314.99
Council Tax Benefit - £120.00
Child Benefit £173.33
Child Tax Credits £645.66
Working Tax Credits £125.66


Total = £2436.99

Outgoings

Car Insurance £65.00 do you have 2 cars? do you need 2?, it looks like your wife is not working? have you shopped around for insurance?
Tax £11.00
MOT £3.00
Travel / Petrol £130.00 are all journeys essential? do you drive fuel efficently?
Gas / Elec £120.00 are you with the cheapest supplier? best tariff? have you tried to reduce your usage?
Water £80.00 looks very high, is this metered? does it include any of your arrears?
TV Licence £28.50 how soon until you have paid 6months and this reduces to £13?
Rent £541.67
Council Tax £120.00
Sky £44.00 cancel or drop to the lowest package, a luxury you cannot afford with your debts.
Food £250.00
Forbes £43.00 ? what is this?

Haircuts? entertainments? clothes? presents? kids activities? mobiles? landlines? internet? car maintenance, tyres etc

Total = £1436.17

Without completing a full SoA, you have almost certainly not included all your costs.

dancingfairy

Can you downgrade a package level or 2? are you within a cooling off period with regards to the sky?
df

Tixy

dancingfairy wrote: »

[QUOTE Do you have any CCJs (aside from the liability order for council tax)? [/QUOTE - Tixy I think Council Tax is dealt with in the magistrates court so won't count as a CCJ as the term CCJ only applies to judgements in the County Court.
But I agree with the question.
df

I know. But Bradley referred to having 1 CCJ (and I was trying to ascertain whether he has any CCJs or just the LO) - I should have put in addition to the LO to be clearer!

Bradley_1984

Tixy wrote: »

Bradley_1984 wrote: »

Ok first things first - SOA:


Debts

Capital Oneb £386.99
SAV Credit £455.87
Aqua £542.35
Vanquis £372.77
O2 £60.73
Capital One £488.03
Auto Direct £112.14
Chase £58.93
Three £67.25
EDF £472.76
TV £59.00
Provident £78.15
1st Quote £104.83
Sky £129.92
Water £347.94
Metropolitan £3,799.46
Aktiv Capital £927.10
Southern Water £655.15
Naturally Close £745.41
Barclays Loan £3,381.72
Littlewoods £619.94
BT £240.00
Rossendales Total £3,753.93

Total £17,860.37

Okay you need to get these into priority, first any mortgage or rent arrears, then any council tax (especially council tax with a liability order. Next comes gas & elec then water (I see you have a few of these).
Then after all those comes the regular consumer debt (cards, loans, catalogues etc).

Do you have any CCJs (aside from the liability order for council tax)?
Are any of the debts secured (on a vehicle or other asset).

It would also help to know what you are paying (or what you should be paying to each one of these debts).

I have another CCJ which I pay £1 per week to Barclays.

I will complete the normal SOA used tonight...then you can see what should be paid. I use the word should specifically...

Bradley_1984

Guys and girls,

Can i just take this oppurtunity to thankyou so far...some good ideas in the blue writing there...

Not sure what I can do with sky but will give them a ring tonight...

Car Insurance is the cheapest we could get for 1 car. Im on it as a provisional as Im learning...it adds £10 per month on our premium but they want £110 to change it back to just the wife so its not worth it with 8 months left.

Yh C.Tax is a LO, Barclays is a CCJ!

Thanks everyone

Brad