need help before contacting creditors

lor6126

hi, il keep as short as possible. My partner and i have split up and its for good.he has gone back to live in his own house. I have a job but a really low income.
Basically i have debts which are only in my name, and have never missed any payments, but i just cant meet them now when paying rent etc on my own.
I have contacted BT who wont let me out of contract to get house phone taken out. i also have a sofa with DFS with 8 months payment to make that i dont have the income to pay. can they come and remove it?
The only other thing i cant meet is barclaycard to whom i own £600.
I have a car on hp which i am going to have to pay,as to stop would mean i still owe far more than it is worth so cant hand it back.
I am going to contact CCCS to see if i can get them to help me get smaller or token payments sorted out.
Anything which can be cut down/lowered i am already working on, and have returned to pay as you go mobile, but its the bills above i am really worried about.
Any advice would be appreciated.

lor6126

edited to add, sounds pitiful compared to some peoples problems, but until i can find a second job it is making me ill with worry.

Tixy

Hi

Would a lodger be a possibility?
Have you applied for the 25% single person discount on your council tax?

I think with the sofa with you only have a few payments left you'll probably find they cannot remove it (well not without court action). Have you got the HP agreement? might say something in there possibly?

How long have you left on the BT contract? have you got it on the cheapest tariff they have?

Have you completed a statement of affairs to work out how much you are short? do you do a lot of mileage? have you read the MSE article on reducing fuel costs etc? If you commute a distance is there any colleague you could share journeys with to save fuel costs.

Have you checked if you might be entitled to any working tax credits at all?

Did ex leave anything behind of his you could flog

cassidy0111

I think it may well be a good idea to post a SOA. That way people can have the full picture before advising. There is a sticky at the top of the DFW forum page.

And it does not sound pitiful compared to other peoples problems. If it is causing you worry then people will be happy to help on here.

lor6126

right, well, one bedroom flat so no lodger, iv applied and got single discount, also applied for tax credit, might get a tiny amount. il have a look on sofa account with santander. paid 16 payments with 8 to go.
BT i have 9 months to go, £30 for landline, calls and broadband, but i want to get it out and just go for a monthly dongle at approx £15. Calls i can use my mobile £10 per month. but they want me to pay the 9 months.
I only use the car for work, but walkings not really an option late at night and too late for buses and its a good 3 miles, wouldnt mind when im dayshift.
noone else at work lives in same direction or id try carshare.

My pay is approx £650 a month and rent/council tax and car payment take £440 of this. I could just about manage if i could get rid of BT and make token payments to the other debts. Im currently looking for a part time cleaning job in the mornings. But no luck yet.

Hatton garden metals was rather generous with a price for the engagement ring he had bought me. Couldnt stand to look at the thing again.:D PS i did offer it back but he didnt want it.

Will do a SOA if you think it will help.

lor6126

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 650 sometimes can be more if i get overtime.
Partners monthly income after tax....... 0
Benefits................................ 0 have applied for tax credit
Other income............................ 0
Total monthly income.................... 650

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 133
Rent.................................... 190
Management charge (leasehold property).. 0
Council tax............................. 85 over 10 months, would rather leave so can pay road tax etc on free month
Electricity............................. 15
Gas..................................... 25
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 30 and internet
Mobile phone............................ 10
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 11
Car Insurance........................... 25
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................. 0
Buildings insurance..................... 0
Contents insurance...................... 14
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 641


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 7000.....(133)......8.9
Total secured & HP debts...... 7000......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
barclaycard....................650.......14........16.9
bank of scotland...............350.......5.........0
Total unsecured debts..........1000......19........-


Monthly Budget Summary
Total monthly income.................... 650
Expenses (including HP & secured debts). 641
Available for debt repayments........... 9
Monthly UNsecured debt repayments....... 19
Amount short for making debt repayments. -10

Personal Balance Sheet Summary
Total assets (things you own)........... 0 have not put car as i dont own it ?
Total HP & Secured debt................. -7,000
Total Unsecured debt.................... -1,000
Net Assets.............................. -8,000

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

forgot to add £27 per month for dfs.