We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
DMP with CCCS - SOA
Options
~evanesco~
Posts: 814 Forumite
Current SOA
Your Income Amount
Your take home pay ..........................................£503 (This is a low estimate, as I only started on 8th June, get paid weekly, and my hours aren't sorted as to what will be regular, it's roughly 18-20 hours per wee, and I get paid fortnightly)
Your partner's take home pay .............................£0
Housing Benefit................................................£148 (this is also an estimate, since they haven't calculated it yet, due to again, my starting a new job, they need 3 payslips, and so far I've only been paid once, I have provided this to them)
Working Tax Credit .........................................£321
Child Benefit .................................................£148
Child Tax Credit .............................................£416
Child Support ................................................£130
Total income .................................................£1,666
Housing Amount
Rent ...........................................................£340 (Current arrears of £510, rising by £85 each Friday no payment is made)
Water .........................................................£42
Council tax ...................................................£46 (An estimate again based on the amount of Council Tax Benefit I think we'll receive)
Gas .............................................................£62
Electricity .....................................................£60 (Gas & Electric are with E.on, up until this month was paying £32, they sent me a letter saying they were adjusting my direct debit to £122.00)
Household services
Mobiles & internet ..........................................£105
TV licence ....................................................£13
Virgin ..........................................................£37
Public Transport ...........................................£68
Food & housekeeping
Food, toiletries, cleaning .................................£380
Pets, pet food/insurance .................................£21
Tobacco .....................................................£34 (This is the suggested maximum from CCCS, I'm actually going to go to the doctors tomorrow as they have a stop smoking service, there is no way 2 people can manage, even buying the cheapest tobacco, to cut down to £34 for both of us, so this'll be OH's allowance, unless she chooses to stop with me)
School trips/activities ................................£10
Hairdressing .............................................£28 (Again the CCCS suggested figure for all 4 of us, I'm going to have to stop getting my hair cut, and just let OH have hers done every 6 weeks, and the kids too, it costs this much for just mine every 6 weeks)
Clothing & footwear .................................£40
Sports, hobbies, entertainment ...................£20
Children's pocket money ............................£20
Sundries/emergencies/other costs
Sundries/emergencies .....................................£20
Loan from family/friend ...................................£30 Total Owed £570
Other
Total expenses .......................................£1,437
Additional information
No of adults 2
Dependants 2
Totals Amount
Total income .............................................£1,666
Total expenses ..........................................£1,419
Surplus........... ..........................................£227
Your Creditor List
Creditor name Debt Outstanding balance Contractual payment
1 Capital One Credit Card £677 £34
2 Creation Consumer Other £1,465 £34
3 Grattan Catalogue £241 £48
4 JD Wiiliams Catalogue £373 £30
5 Littlewoods Catalogue £662 £115
6 Lloyds Overdraft £460 £9
7 Natwest Credit Card £399 £8
8 New Look Store Card £91 £4
9 Next Catalogue £1,673 £118
10 Provident Personal Loan £524 £56
11 Provident Personal Loan £524 £56
12 Provident Personal Loan £306 £28
13 Provident Personal Loan £306 £28
14 Studio Catalogue £147 £14
15 Vanquis Credit Card £2,429 £122
16 Vertbaudet Catalogue £42 £5
17 Very Catalogue £2,063 £35
18 QuickQuid Personal Loan £250 £250 (whole balance due end of July)
TOTAL £12,382
I haven't included APRs because I know that our situation is now way past trying to snowball, and the only way forwards is the route we are taking which is a DMP with CCCS. I started the ball rolling with this yesterday, and I'm waiting for the information pack etc. In the meantime token payments along with a brief covering letter are being made to creditors who need paying.
How did we get here? We bought lots of nice things is how, and we had the ability to pay for them. Up until 4th June we were both working. We worked together in a filling station, I'd been there 4 years, full time, OH joined me in Oct 2008, part-time. And life was great, we bought what we wanted, paid everything on time and everything was great. We had a huge tv, a beautiful sofa, nice dining table, and were budgeting great in order to pay for all these things, admittedly things we probably could have gone without, but there wasn't much of a need to, anything we bought on BNPL terms, we had those tins you need a tin opener to open, and budgeted accordingly in order to pay for them when the BNPL date came around. Then in February our Franchise owner changed hands and we have both had to deal with racism, homophobia, chauvinist comments, being belittled, sexually suggestive comments, as well as both being put on part time hours. It got so bad that OH left on 4th June. I left on the 8th June having found a new job. However we've had only Tax Credits, maintenance and child benefit coming in since then, plus one weeks pay from my new job of £70.51. Having struggled for a month I decided to look at our options through CCCS, they initially suggested a DRO, I don't want to do this, we bought the things, we should pay for them, not have them written off. I don't think this is a responsible options for us, so after tightening much of the budget and ringing them to explain the situation regarding pay and waiting for HB/CTB confirmation they agreed we could do a DMP. I want everyone to be aware that we haven't landed in this by living beyond our means, but due to the circumstances with our jobs. And also that we want to take full responsibility for all of these things. Thanks for looking.
Your Income Amount
Your take home pay ..........................................£503 (This is a low estimate, as I only started on 8th June, get paid weekly, and my hours aren't sorted as to what will be regular, it's roughly 18-20 hours per wee, and I get paid fortnightly)
Your partner's take home pay .............................£0
Housing Benefit................................................£148 (this is also an estimate, since they haven't calculated it yet, due to again, my starting a new job, they need 3 payslips, and so far I've only been paid once, I have provided this to them)
Working Tax Credit .........................................£321
Child Benefit .................................................£148
Child Tax Credit .............................................£416
Child Support ................................................£130
Total income .................................................£1,666
Housing Amount
Rent ...........................................................£340 (Current arrears of £510, rising by £85 each Friday no payment is made)
Water .........................................................£42
Council tax ...................................................£46 (An estimate again based on the amount of Council Tax Benefit I think we'll receive)
Gas .............................................................£62
Electricity .....................................................£60 (Gas & Electric are with E.on, up until this month was paying £32, they sent me a letter saying they were adjusting my direct debit to £122.00)
Household services
Mobiles & internet ..........................................£105
TV licence ....................................................£13
Virgin ..........................................................£37
Public Transport ...........................................£68
Food & housekeeping
Food, toiletries, cleaning .................................£380
Pets, pet food/insurance .................................£21
Tobacco .....................................................£34 (This is the suggested maximum from CCCS, I'm actually going to go to the doctors tomorrow as they have a stop smoking service, there is no way 2 people can manage, even buying the cheapest tobacco, to cut down to £34 for both of us, so this'll be OH's allowance, unless she chooses to stop with me)
School trips/activities ................................£10
Hairdressing .............................................£28 (Again the CCCS suggested figure for all 4 of us, I'm going to have to stop getting my hair cut, and just let OH have hers done every 6 weeks, and the kids too, it costs this much for just mine every 6 weeks)
Clothing & footwear .................................£40
Sports, hobbies, entertainment ...................£20
Children's pocket money ............................£20
Sundries/emergencies/other costs
Sundries/emergencies .....................................£20
Loan from family/friend ...................................£30 Total Owed £570
Other
Total expenses .......................................£1,437
Additional information
No of adults 2
Dependants 2
Totals Amount
Total income .............................................£1,666
Total expenses ..........................................£1,419
Surplus........... ..........................................£227
Your Creditor List
Creditor name Debt Outstanding balance Contractual payment
1 Capital One Credit Card £677 £34
2 Creation Consumer Other £1,465 £34
3 Grattan Catalogue £241 £48
4 JD Wiiliams Catalogue £373 £30
5 Littlewoods Catalogue £662 £115
6 Lloyds Overdraft £460 £9
7 Natwest Credit Card £399 £8
8 New Look Store Card £91 £4
9 Next Catalogue £1,673 £118
10 Provident Personal Loan £524 £56
11 Provident Personal Loan £524 £56
12 Provident Personal Loan £306 £28
13 Provident Personal Loan £306 £28
14 Studio Catalogue £147 £14
15 Vanquis Credit Card £2,429 £122
16 Vertbaudet Catalogue £42 £5
17 Very Catalogue £2,063 £35
18 QuickQuid Personal Loan £250 £250 (whole balance due end of July)
TOTAL £12,382
I haven't included APRs because I know that our situation is now way past trying to snowball, and the only way forwards is the route we are taking which is a DMP with CCCS. I started the ball rolling with this yesterday, and I'm waiting for the information pack etc. In the meantime token payments along with a brief covering letter are being made to creditors who need paying.
How did we get here? We bought lots of nice things is how, and we had the ability to pay for them. Up until 4th June we were both working. We worked together in a filling station, I'd been there 4 years, full time, OH joined me in Oct 2008, part-time. And life was great, we bought what we wanted, paid everything on time and everything was great. We had a huge tv, a beautiful sofa, nice dining table, and were budgeting great in order to pay for all these things, admittedly things we probably could have gone without, but there wasn't much of a need to, anything we bought on BNPL terms, we had those tins you need a tin opener to open, and budgeted accordingly in order to pay for them when the BNPL date came around. Then in February our Franchise owner changed hands and we have both had to deal with racism, homophobia, chauvinist comments, being belittled, sexually suggestive comments, as well as both being put on part time hours. It got so bad that OH left on 4th June. I left on the 8th June having found a new job. However we've had only Tax Credits, maintenance and child benefit coming in since then, plus one weeks pay from my new job of £70.51. Having struggled for a month I decided to look at our options through CCCS, they initially suggested a DRO, I don't want to do this, we bought the things, we should pay for them, not have them written off. I don't think this is a responsible options for us, so after tightening much of the budget and ringing them to explain the situation regarding pay and waiting for HB/CTB confirmation they agreed we could do a DMP. I want everyone to be aware that we haven't landed in this by living beyond our means, but due to the circumstances with our jobs. And also that we want to take full responsibility for all of these things. Thanks for looking.
0
Comments
-
Can anyone help?0
-
Housing Amount
Rent .................................................. .........£340 (Current arrears of £510, rising by £85 each Friday no payment is made)
Water .................................................. .......£42
Council tax .................................................. .£46 (An estimate again based on the amount of Council Tax Benefit I think we'll receive)
Gas .................................................. ...........£62
Electricity .................................................. ...£60 (Gas & Electric are with E.on, up until this month was paying £32, they sent me a letter saying they were adjusting my direct debit to £122.00) This seems ridiculous. How can they just change from charging you 32 a month to 122? I appreciate you must have arrears but can you just increase your DD to 50/60 a month?
Household services
Mobiles & internet ..........................................£105 youch - this does sound high - maybe you can break this down? Have you tried downgrading nay mobiles, disabling using the internet on the mobile (this is expensive I believe) and shopping around for home phones /interenet etc?
TV licence .................................................. ..£13
Virgin .................................................. ........£37 can you downgrade this? maybe look at getting a cheap bundle deal with home phone and internet thrown in?
Public Transport ...........................................£68 Is this the cheapest? can you get a season ticket? / try split ticketing if appropraite.
Food & housekeeping
Food, toiletries, cleaning .................................£380 You might be able to reduce this - try the oldstyle board although it looks quite good to me.
Pets, pet food/insurance .................................£21
Tobacco .................................................. ...£34 (This is the suggested maximum from CCCS, I'm actually going to go to the doctors tomorrow as they have a stop smoking service, there is no way 2 people can manage, even buying the cheapest tobacco, to cut down to £34 for both of us, so this'll be OH's allowance, unless she chooses to stop with me)
School trips/activities ................................£10
Hairdressing .............................................£28 (Again the CCCS suggested figure for all 4 of us, I'm going to have to stop getting my hair cut, and just let OH have hers done every 6 weeks, and the kids too, it costs this much for just mine every 6 weeks)
Clothing & footwear .................................£40
Sports, hobbies, entertainment ...................£20
Children's pocket money ............................£20
Sundries/emergencies/other costs
Sundries/emergencies .....................................£20
Loan from family/friend ...................................£30 Total Owed £570
Other
Total expenses .......................................£1,437
Additional information
No of adults 2
Dependants 2
Totals Amount
Total income .............................................£1,66 6
Total expenses ..........................................£1,419
Surplus........... ..........................................£227
Have you sought any legal advice re what seems to be constructive dismissal. It sounds horrendous and you shouldn't be able to be treated like that. Maybe CAB can help with this?
Good Luck - I've replied to you as I would a newbie. so I appreciate a lot of what I've said you've probably already thought of/tried etc but may give you a few ideas?
I hope things settle down for you and you can get yourselves straight.
dfMaking my money go further with MSE :j
How much can I save in 2012 challenge
75/1200 :eek:0 -
Hi, I am no means an expert and also new to this for forum, but just wanted to let you know someone is in the same boat as you!!!
We are currently on a DMP with CCCS, although our debts are alot higher - £48k, we are paying CCCS £179 p/m which means a 22year plan, not happy bout this but at least we are getting somewhere.
When we first put the plan in place the creditiors still rang/wrote alot, but only because it took them so long to get the paperwork from CCCS, once they received this the hassling stopped. We still get the odd phone call or letter but nothing we cant handle.
Unfortunately since setting our DMP up our income has dropped and so we are back in touch with CCCS, but speaking from experience, try not to allow the stress to overwhelm you. I have spent many a nights crying and guess what, nothing changed, I promised myself a few days ago not to waste another tear on these bills, what is done is done, all I can do now is listen to the experts and move forward.0 -
dancingfairy wrote: »Gas .................................................. ...........£62
Electricity .................................................. ...£60 (Gas & Electric are with E.on, up until this month was paying £32, they sent me a letter saying they were adjusting my direct debit to £122.00) This seems ridiculous. How can they just change from charging you 32 a month to 122? I appreciate you must have arrears but can you just increase your DD to 50/60 a month? It's £363.58 in arrears, but this is their fault for only charging me £32 for the past year, I don't think there's any way around this
Household services
Mobiles & internet ..........................................£105 youch - this does sound high - maybe you can break this down? Have you tried downgrading nay mobiles, disabling using the internet on the mobile (this is expensive I believe) and shopping around for home phones /interenet etc? Break down - One mobile £35 p/m [5 months into 24 month contract], Other mobile £40 p/m [5 months into 24 month contract, Mobile Broadband £30 p/m [3 months left on 24 month contract]. The mobile broadband will be cancelled by september, I don't need it enough for me to take out another contract. The mobiles can't be cut down for another 4 months.
TV licence .................................................. ..£13
Virgin .................................................. ........£37 can you downgrade this? maybe look at getting a cheap bundle deal with home phone and internet thrown in?I'm going to se about cancelling the landline and reducing the tv package.
Public Transport ...........................................£68 Is this the cheapest? can you get a season ticket? / try split ticketing if appropraite. It is the cheapest, it's a weekly megarider for myself and general bus fares for OH for her to get about.
Food & housekeeping
Food, toiletries, cleaning .................................£380 You might be able to reduce this - try the oldstyle board although it looks quite good to me. This isn't actually that high for food, toiletries and cleaning (including laundry) I doubt I could get it any lower as we struggle to keep to this as it is.
Thanks for your help dancing fairy, I need to give Virgin a call. I might even see if I can get out of my mobile broadband contract sooner.0 -
Arrrrrgh. Just wrote a really long reply and it has dissapeared.
Basically in 4 months time when you are up to date with the gas/electric and you can downgrade the mobiles and cancel the mobile broadband you will have a lot more to throw at the debts.
While you may be able to cut the food budget a bit have you allowed enough leeway in your budget? especially with clothes as you will need to buy school uniform presumably?
With respect to your friends loan I'm not sure your creditors will be too happy if they see your SOA and see your friends payment on there.
Good Luck with it all
dfMaking my money go further with MSE :j
How much can I save in 2012 challenge
75/1200 :eek:0 -
Oh no, never mind Dancing Fairy. The friends loan was put in there by CCCS, they have said I can pay it back whenever I can, so not so much of an issue really.
I do see your point about in 4 months time there will be some more money to pay towards the debts.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards