where do I go from here? :-(

Hannah_10

Right well now that's that dealt with and you and the dog will be Ok and not either half starved or sitting around in very smelly pants then back to the underlying thing...

The creditors are just pushing their luck, they can not have what you do not have. I would be inclined to develop a case of obstinance if I were you I think and send them all a statement of accounts showing what you can really afford to pay, because clearly it's not the amount you're paying or your card wouldn't have bounced.

Also- as Martin Lewis says, never ever bank where you have debt! You urgently need a new account, so that your debt repayments aren't coming out of the account you're using and therefore the b*st*rds can't humilliate you like that again. The article says everything you need to know about that. It's here >>> http://www.moneysavingexpert.com/banking/setting-off

myothercarisaferrari

thanks Hannah. I bank with Natwest who have been brilliant with me. I'll get a new account set up and get my wages paid into that.

This is my SOA. I definitely dont have that much left over each month, so I am not sure where its going!
(Please note my rent is £450 for the next 5 months as it includes my bond, after that its £400)

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 978
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 978
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 22
Gas..................................... 15
Oil..................................... 0
Water rates............................. 15
Telephone (land line)................... 11.99
Mobile phone............................ 5
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 40
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 94.97
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................. 18.56
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.................. 801.52

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 350
Other assets............................ 250 (laptop bought as a present)
Total Assets............................ 600

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
1st Credit.....................2361.46...10........0
1st Credit.....................1641.04...10........0
CCS............................327.49....5.........0
BCW............................163.81....30........0
SJR............................252.56....10........0
Total unsecured debts..........4746.36...65........-

Monthly Budget Summary
Total monthly income.................... 978
Expenses (including HP & secured debts). 801.52
Available for debt repayments........... 176.48
Monthly UNsecured debt repayments....... 65
Amount left after debt repayments....... 111.48
Personal Balance Sheet Summary
Total assets (things you own)........... 600
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,746.36
Net Assets.............................. -4,146.36

GEEGEE8

Have a hug ((hug)) - I have been where you are and I know exactly how you feel xx It will get better, just keep going and keep your chin up xx

myothercarisaferrari

thanks Geegee x

shebrett

You manage on £40 groceries a month! That's impressive.

No tips I'm sorry to say, looks like you are doing amazingly welll with what you have. Good luck with it, hope you get yourself into a good position soon.

myothercarisaferrari

thanks Shebrett, I have to manage on that. I eat lots of bananas and apples - I get them really cheap as I live behind an allotment shop - but pretty much eat pasta and cereal the rest of the time. My mum takes me out once a week haha x

RAS

Going to be harsh here

myothercarisaferrari wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1 - do you absolutely need a car?
Monthly Income Details
Monthly income after tax................ 978
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 978
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450 - high given your income
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 22
Gas..................................... 15
Oil..................................... 0
Water rates............................. 15
Telephone (land line)................... 11.99
Mobile phone............................ 5
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 40 - this is inadequate. Double it.
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0 - you must have this
Car Insurance........................... 94.97 - this is very high. Points or age?
Car maintenance (including MOT)......... 0 and you need this
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 18.56
Buildings insurance..................... 0
Contents insurance...................... 0 - you need this
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 801.52

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 350
Other assets............................ 250 (laptop bought as a present)
Total Assets............................ 600

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
1st Credit.....................2361.46...10........0
1st Credit.....................1641.04...10........0
CCS............................327.49....5.........0
BCW............................163.81....30........0
SJR............................252.56....10........0
Total unsecured debts..........4746.36...65........-

Monthly Budget Summary
Total monthly income.................... 978
Expenses (including HP & secured debts). 801.52
Available for debt repayments........... 176.48
Monthly UNsecured debt repayments....... 65
Amount left after debt repayments....... 111.48
Personal Balance Sheet Summary
Total assets (things you own)........... 600
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,746.36
Net Assets.............................. -4,146.36

Apart fro first credit, you have very small debts. Is there any way to do a car boot sale, amazon or e-bay and pay off one of them?

have you join www.freegle.co.uk?

shebrett

myothercarisaferrari wrote: »

thanks Shebrett, I have to manage on that. I eat lots of bananas and apples - I get them really cheap as I live behind an allotment shop - but pretty much eat pasta and cereal the rest of the time. My mum takes me out once a week haha x

Gotta love mothers :A

myothercarisaferrari

Hi Ras, thanks for that.

Yes I need the car unfortunately as I've had my shifts changed at work (even though I live a few miles away it isnt a commute that is accessible by bike as you have to go down a busy dual carriageway) and the bus routes stop after 10pm (I finish at 11pm sometimes)

I also help care for my elderly nan, so go up to hers (11 miles away) three times a week although she gives me £10 a week, which normally goes on petrol.

Yes I have 6 points on my licence, that is why my insurance is so high. How much would you recommend for car tax/contents insurance etc?

As for my rent being high it includes my bond so I didnt have to pay upfront (couldnt afford it) as my previous flat was repo'd after my landlord failed to make payments. It will go down to £400 in November x

As for groceries - see above ;-)

As for car boots/ebays etc, I literally have nothing to sell. I split with my ex last year and took my clothes, a few personal belongings and my dogs. I have had to build everything up from scratch so dont have anyhing of any value other than the car and the laptop (which was bought as an xmas present between my mum and brother). I don't even have a bed at the moment - am kipping on an old futon x

I have applied for 16 bar and waiting on jobs over the last week, within a 15 mile radius, but jobs are few and far between in the North East and there is no over time at work at the moment.

RAS

Frankly, given your situation, you are doing brilliantly.

Do check out freegle and freecycle. Sometime people give away stuff for car boot sales, which you could sell. They also have household goods, clothes, soft furnishings etc. if there is somewhere a bit posh nearby/near mum or nan or work, join there as well as the pickings might be better.

Alternatively, check the loft at your parents in case you left anything there years ago.