Student in serious need of help!

cbsoton87

Ok, as promised... my new and improved SOA. I've rethought things like what I pay towards TV/Cable and have only included my share.

I also put £0.00 for entertainment as I've stopped going out completely in order to save money. SHOCK HORROR. I know... I havent had a drink since January.. big thing for a student. BUT on the plus side... more money, and I've lost weight!!

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 4
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 701
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 91.6
Total monthly income.................... 792.6
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 260
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 11.5
Mobile phone............................ 21.5
TV Licence.............................. 10.99
Satellite/Cable TV...................... 10.88
Internet Services....................... 5
Groceries etc. ......................... 60
Clothing................................ 0
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.................. 474.87

Assets
Cash.................................... 300
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 300

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Lloyds Overdraft...............1785......35........12
Natwest Overdrafts.............2400......100.......0
Barclaycard....................1090......50........0
Capital One....................237.......10........0
QuickQuid......................350.......20........0
Natwest Mastercard.............390.......10........0
Water Bill.....................600.......40........0
Southern Electric..............765.......40........0
Total unsecured debts..........7617......305.......-

Monthly Budget Summary
Total monthly income.................... 792.6
Expenses (including HP & secured debts). 474.87
Available for debt repayments........... 317.73
Monthly UNsecured debt repayments....... 305
Amount left after debt repayments....... 12.73
Personal Balance Sheet Summary
Total assets (things you own)........... 300
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,617
Net Assets.............................. -7,317

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Scottish_Power

Hi cbsoton87

With regards to the default markers I would suggest contacting us and finding out if we ever had an account in your name for a previous address. If we do and you were not occupying the property at this time then we will be able to remove your name from the account. We will also be able to review the default marker if this has been added in error.

Please do not hesitate to contact our Customer Service team on 0845 2700 700 Monday to Friday 8am - 7pm and Saturday 8.30am to 1pm.

Kind Regards

Colin @ ScottishPower