Please if anyone can help

Verbatim

Hi Dawn,

I've just caught your thread and wanted to say welcome.

I see you work for yourself and wondered if you'd considered whether it wouldn't be less stressful to have a straight job with a reliable salary each month? Just a thought and obviously I don't know your circumstances.

Hope you're feeling better today.

dawn35

Ok here goes :(:(:(

HSBC Mortgage £410.21 (no missed payments)
HSBC Secured Loan £167.81 (no missed payments)
First Plus Secured Loan £661.25 (am currently paying half for the past 3 months, they have told me that i have to pay the full amount or if the account goes into 2 months missed payments it will be passed to the debt collectors)

CitiFinancial Unsecured Loan £252.24 (havent paid the past two payments, have sent them a letter telling them that ive got a meeting with the CCCS on friday no letter back yet)

HSBC Unsecured Loan £215.00 (havent made one paymnet yet , the loan was deferred for 3 months , the first payment is due December )

HSBC Overdraft £1700.00

Poll Tax £64.00

Gas £26.00

TV Licence £11.00

Phone/Internet £29.99

Sky £40.00

Life Insurance £28.06 (bank said i have to have it for mortgage)

HSBC Secured Loan Insurance £15.00

Maintenance for Flat £33.00

Ground rent £10.00

School Fees £4.00

Water Rates £26.41

Pet Insurance £10.50

Mums catalouge £90.00 ( i cannot not pay this)

Mums Credit Card £110.00 (I cannot not pay this)

Electricity £31.00

Thats the whole sorry story. I havent included shopping petrol or clothes. Money for my sons school lunches. The list goes on.

Now im well and truley freaked out im going. I hope someonecan offer some advice to save my neck!!!!!

Dawn xxxx

dawn35

Someone post quick! Im having hot conkers here !!!!


Dawn x

dawn35

Someone post quick! Im having hot conkers here !!!!


Dawn x

pudding06

sorry - was just having a panicky moment myself - regarding a quidco thinits turned out ok and I'm £20 up and spent nothing.

soa - excellent - I'm just going to have a little look, will collect my coffee to feed my brain too, then get back to you

pudds

dawn35

Thank you x

pudding06

You need to post your income also!!

What about food?

SO far I have your outgoings as £2235.47

am I right in thinking that your income is £1000 at the moment - thought i saw that somewhere.

edit - no you say youve taken a cut of £1000 pmth.

BlondeHeadOn

If it's all gone quiet on this thread then it's because eveyone is having a good look at your SOA and writing out useful replies to help - don't worry, you haven't scared everybody off!! You will get a flood of useful replies soon.

I just wanted to say welcome, and you are so in the right place!

:grouphug: :grouphug: :grouphug:

dawn35

Opps sorry

Income

£2000.00 per month (take home)

Food £240.00 per month

Petrol £ 60.00 per month

and im stuffed if we need shoes and clothes !!!!

Sorry i didnt post it , im in a right old state here !

D x

climbgirl

Well, first things first!

Sky has to go. You quite simply can't afford it I'm afraid. Invest in a freeview box for more channels.

The food can come down. Pop over to the Old Style board for tips on meal planning, cooking from scratch etc. The people on that board can live off the smell of an oily rag and eat very well and run well-oiled household. I don't know how they do it!

Why are you paying your mum's credit cards? I know you say you can't stop, but you have to, you just can't afford. Maybe there's a reason for this, but I hope it's a good one!

You need to get to CCCS or Payplan as soon as you possibly can. Your situation is pretty serious because so much of the debt is secured against your home and you are in danger of repossession if you can't make the payments. Sorry to be blunt, but it's true. I think you said you have an appointment with CCCS on Friday, that's good. The banks prefer to deal with these types of charities as they're a known quantity. So hopefully they can help.

One more thing, you said you run your own business and you've taken a paycut of £1000 a month? If the business isn't going well perhaps it's time to look at winding it up or cutting back and taking on a full-time/part-time job instead. The one thing you need right now is a steady income and it doesn't sound to me like you've got it.... something to think about anyway.

I hope CCCS goes well.