I'm sinking now....can't manage the debt now...

skintasusual

as long as you can afford to live, can keep your house and you're kids happy, who cares if it takes 60 years!!!!!!!

There are more important things to do with your day than worry about debt! I used to panic all the time, my BF convinced me that there was more to life than debts!

Don't worry about what little amount you are offereing, it is all you can afford, and the can't have what you ain't got!!

Circumstance may well change in the next 60 years! Kids will grow up, working situation will change, you might have some rich great aunt you didnt know you had pop off and leave you everything!!

Just do what you can to pay off your debt, contact payplan/cab/cccs to help you set it up.......

Then sit back, know that you are soing what you can, and enjoy a bit of peace of mind :rotfl:

moozie_2

Hi debtCollector - welcome back. Feeling better after a night's rest?

Well done on putting some figures together. As I said yesterday, any of the charities will be able to offer you comprehensive advice, especially with regards to Council Tax arrears which is the most major of your debts.

If I were you, Id focus on living within my means and covering all your utilities by a) reducing them as much as possible and b) paying them as a matter of priority.

Let CAB/CCCS/Payplan/ational debtline advise you on how to tackle the debts, with good will offers to start with I imagine, and don't worry too muc about how long it will take at this stage.

Good luck.

debtCollector_3

bonnie wrote:

Water and car tax/ mot, service. Can the kids take packed lunches £40 is a lot for school dinners.School trips, amount for presents say £10 a month, emergencies i.e boiler packing up, new washing machine, cooker if they pack up.
The sheet looks good, but they are more likely to accept if you go to cab than if you do it yourself.
Does if really matter if it takes 60 years to clear the debt, i wouldn,t worry about it.

I suggested to my son to take packed lunch but he doesn't want to, and I just feel that I have cut so much stuff out already that I don't want him to have to cut out everything, I know that probably sounds silly...

debtCollector_3

skintasusual wrote:

as long as you can afford to live, can keep your house and you're kids happy, who cares if it takes 60 years!!!!!!!

Then sit back, know that you are soing what you can, and enjoy a bit of peace of mind :rotfl:

Oh peace of mind.... that would be bliss..... I'm just constantly worrying!!

I check my bank every day and look at spreadsheet of expenditure..... it's driving me nuts!

Thanks for reply

moozie_2

debtCollector wrote:

I suggested to my son to take packed lunch but he doesn't want to, and I just feel that I have cut so much stuff out already that I don't want him to have to cut out everything, I know that probably sounds silly...

Yes, it kinda does. What exactly would he be cutting out by taking a healthy, fresh home made lunch to work instead of buying something that has preservatives, is possibly not healthy and is definitely not fresh?

Both myself and the OH take home made lunches to work on most days, unless we have something on at lunch time. No shame or cutting out in that.

debtCollector_3

moozie wrote:

Hi debtCollector - welcome back. Feeling better after a night's rest?

Well done on putting some figures together. As I said yesterday, any of the charities will be able to offer you comprehensive advice, especially with regards to Council Tax arrears which is the most major of your debts.

If I were you, Id focus on living within my means and covering all your utilities by a) reducing them as much as possible and b) paying them as a matter of priority.

Let CAB/CCCS/Payplan/ational debtline advise you on how to tackle the debts, with good will offers to start with I imagine, and don't worry too muc about how long it will take at this stage.

Good luck.

Thanks Moozie

I'm feeling rather nervous today......just cos it all sooo real now... if you know what I mean.

I've applied online for a new bank account, however, does your credit rating affect your application, anyone know?

I've submitted an enquire form to Payplan, and I've emailed them my finance proposal, so hopefully speak to someone tomorrow, I'm worry about that now...

I'm now thinking of going online and cancelling my direct debits to loans and credit card, although I'm just thinking that will put me in more trouble, but then again, I haven't got the money to cover DDs.....

DC

skintasusual

they check your credit file if you are opening a regular current account...so if its bad you may get declined...I did

open up a BASIC BANK ACCOUNT.....its made for people like us!! no overdraft allowed...most don't even have a debit card...COOP, halifax and natwest all do though.

Make sure it is with a bank that is not linked to ANY of your creditors.

Ross01

I would definately try to sort out the Council Tax arrears first, as the council have more power than your other creditors. The council where I live now do in house bancrupcies. Meaning they probably wouldnt bother with the baliffs - they would just make you bancrupt instead. And you dont want to know about the costs and hastle involved with that.

You could try applying for Council Tax Benefit - even if you are turned down its worth a shot.

debtCollector_3

skintasusual wrote:

they check your credit file if you are opening a regular current account...so if its bad you may get declined...I did

open up a BASIC BANK ACCOUNT.....its made for people like us!! no overdraft allowed...most don't even have a debit card...COOP, halifax and natwest all do though.

Make sure it is with a bank that is not linked to ANY of your creditors.

Oh pants...... I applied for a current account with no overdraft... prob won't get it.. I'll let you know.......

I'll try one of the banks you suggested if I get declined.

Thanks

debtCollector_3

Ross01 wrote:

I would definately try to sort out the Council Tax arrears first, as the council have more power than your other creditors. The council where I live now do in house bancrupcies. Meaning they probably wouldnt bother with the baliffs - they would just make you bancrupt instead. And you dont want to know about the costs and hastle involved with that.

You could try applying for Council Tax Benefit - even if you are turned down its worth a shot.

Ok, I'm going to call insurance tomorrow and see what cash I can get for surrending policy, could then pay off some council tax, I'll def make a payment this month, instead of paying credit cards.