well thought i would start a thread to keep me going

stevieb1

overview :
was earning lots all debts being serviced monthly
ended up off sick for roughly a year _no_ income at all
everyone advised i went bankrupt back when i was off sick
pride/stubborness/stupidity i didnt go bankrupt

total credit cards/loans outstanding whilst off sick.
17904

plus arrears on _all_ utilities and mortgage. :eek:

today as it stands totals <arrears>

mortgage ........... 147936.35 <5103.25>
gas/electric ........ 3371.59 <3371.59> :eek:
water ................ 261.10 <0>
council tax ......... 1168.91 <160.01>
bt ........ 29 <0> (monthly soon to be cancelled i hope)
mobiles ............. 90 <90>
car ............. 4200 <0>
car insurance .... 58 <0> renewable in august \o/

credit cards / loans

hsbc loan .......... 8843.75 <8843.75>
hsbc credit card . 2806.86 <2806.86>
hsbc overdraft ... 127.16 <127.16>
skycard ............ 1343.77 <1343.77>
barclaycard ....... 626.57 <626.57>
vanquis ............ 1823.08 <1823.08>
capital one ....... 784.64 <784.64>

total cards/loans 16355.83 :T *claps*

other debts.

aunt .......... 24200
mother ....... 200
accountant .. 550


in essence im better than i thought .. still not good but its better than i thought w00t \o/

downside .. got a letter today from the safety camera partnership :eek:
thatll teach me to overtake idiots on the road :(:(

people asked why i had 0 as my food budget .. let me explain a bit about this.

work supplies me 2 breakfasts and lunch and tea.
when i am @ home because of the job i do, i have no need to purchase dairy products/meat/vegetables/eggs if i have surplus of the aforementioned i sell them _cheap_ to the neighbours so can get stuff like biscuits/bread/pasta/coffee if needed.

oh well still have a few things to do today but im finally smiling as things arent as bad as i thought <well worth ringing the DCA's today> :rotfl:

stevieb1

ok ...
just had another telephone meeting with the CCS .. apparently my budget is in deficit _still_ ?WTH ?
and it will take me 13 years to pay off my unsecured debts :eek: (ill be 47) if i can raise my working hours to average 65 a week .. looks like my new target will be 72 hours a week on average but the plus side once my priority arrears are paid off i will have a larger surplus on my budget to pay them off.

climbintheladderouttadebt

Hi Stevie!

72 hours a week?! Are you going down the bankruptcy route then or something else with the CCS? Where have they said your budget is still in defecit?

stevieb1

climbintheladderouttadebt wrote: »

Hi Stevie!

72 hours a week?! Are you going down the bankruptcy route then or something else with the CCS? Where have they said your budget is still in defecit?

the deficit is all the arrears on the priority debts ... once i have cleared those then i will be roughly 300 in surplus on an average 55 hours a week i was looking to push this to 65 but after redoing the maths its now going to be 72... which overall _isnt_ that bad as im up @ 5 and dont bed down till midnight-one am anyway just means instead of taking a cheeky nap @ lunchtime ill just work through :D

until my budget balances out then they wont/cant advise me on bankruptcy which i think is slightly silly.
nothing else with the cccs just the "send token payments to the unsecured debts"
until i have at least 98 a month surplus i cant go on a DMP so im pretty much going to have to fight this on my todd as i have been the last couple of years :eek:

climbintheladderouttadebt

It's very silly! They are meant to be the ones in the know! Bl00dy well done for gettin so far on your own!

stevieb1

climbintheladderouttadebt wrote: »

It's very silly! They are meant to be the ones in the know! Bl00dy well done for gettin so far on your own!

thank you

stevieb1

well nearing the end of the day.
spends so far today = 0, nada, zip, squat, nothing carbon footprint increased by a large scale though :rotfl:.
posted off the "£$"£$"£$ request for info re: speeding:mad:
have typed up the letters for the DCA's so they will be in the post in the morning.
still no word back from BT . looks like im going to have to pull in a favour from a friend

must rings tomorrow
council
gas/eleccy
business debt line. re Ltd company .
pending on the above phone call ring HMRC :eek:

did manage to work 11.5 billable hours today .. so not too shabby if i can keep that up over 12 days then all will be well :T the plus side to working so much . less smoking ... now do i bundle giving up in the same task? ... *ponders*

climbintheladderouttadebt

Wonderful post! Look forward to tomorrow's update!

stevieb1

early ish finish *ponders turning the phone off to make sure*

post all posted. t minus 14+2 and counting
rang the council .. and again and again will have to try tomorrow.
rang business debt line ... 6 times!! on hold everytime waiting for an advisor before being told to look @ their website .. which says .. "ring us if you have any queries" *bangs head on wall* will ring them tomorrow.
didnt get to ring the gas/eleccy people *slaps* _must_ do it tomorrow lunch time!

carbon footprint 5 environmentally friendly 0 lol

right emailing time!
email sent re BT. will hear by tomorrow lunch time
email sent re ADSL account that IS ZERO balance .. and always has . . . shame the "solicitors" havent been told *sigh*

spends today

cigs £4.79 .. but .. only smoked 4 today \o/
biscuits £1.00 (pah my turn to purchase them for "afternoon tea" @ work .. at least they are on offer 2 for 1
twix £.39 well i deserved it ... didnt i? *scratches head*

billable hours 11 really must push this up .. maybe volunteer for the dirty jobs . :rotfl:


laugh of the day from a DCA on the telephone "We would make you an offer so you can clear this debt, but we also know its pointless as you will refuse"

ROFLMFAO! they know me sooooooooo well LOL

going through old emails

just resurrected my ciao and pure profile accounts \o/ total of £30 in there its all good news

\o/

climbintheladderouttadebt

stevieb1 wrote: »

early ish finish *ponders turning the phone off to make sure*

post all posted. t minus 14+2 and counting woop woop!
rang the council .. and again and again will have to try tomorrow.
rang business debt line ... 6 times!! on hold everytime waiting for an advisor before being told to look @ their website .. which says .. "ring us if you have any queries" *bangs head on wall* will ring them tomorrow.
didnt get to ring the gas/eleccy people *slaps* _must_ do it tomorrow lunch time! you do better than me - I avoid using my phone like the plague (even texts etc) but I did make 2 calls today and got some very good (or at least promising) news from having done so!!

carbon footprint 5 environmentally friendly 0 lol

right emailing time!
email sent re BT. will hear by tomorrow lunch time
email sent re ADSL account that IS ZERO balance .. and always has . . . shame the "solicitors" havent been told *sigh*

spends today

cigs £4.79 .. but .. only smoked 4 today \o/ fantastic! keep it up!
biscuits £1.00 (pah my turn to purchase them for "afternoon tea" @ work .. at least they are on offer 2 for 1
twix £.39 well i deserved it ... didnt i? *scratches head* you can get twixs for 39p?! Jeez, they're twice that price in my local shop that's probably why I spent £10.99 in there today.. oops!!

billable hours 11 really must push this up .. maybe volunteer for the dirty jobs . :rotfl:I wonder if I can start billing the companies who owe me money or must remove incorrect info on me yet?!


laugh of the day from a DCA on the telephone "We would make you an offer so you can clear this debt, but we also know its pointless as you will refuse"

ROFLMFAO! they know me sooooooooo well LOL Stevie u have me in stitches!

going through old emails

just resurrected my ciao and pure profile accounts \o/ total of £30 in there its all good news

\o/

I look forward to your daily updates now, it's even better than facebook! Great to see you doing so well!

stevieb1

climbintheladderouttadebt wrote: »

I look forward to your daily updates now, it's even better than facebook! Great to see you doing so well!

over the years i have invoiced some random amounts to companies/people .. as i have always maintained, after the initial discussion, if THEY want me to do something then its MY time that they are using, so therefore logically be billed accordingly

some pay up some argue but i do/did warn them in advance about rates, its not my fault they dont take me seriously to start with lol

facebook ... hmm i have gone off of facebook to many spam posts and nasty downloads going around at the moment.