Need Advice First

Verbatim

Hi,
The satellite TV/internet/ landline package seems expensive to me. don't know if you have Virgin in your area? We pay around £30 - £40 a month depending on the number of calls we make. (As we only get free weekend calls we try to use our free mob calls during the week).

dancingfairy

If nothing is going out for council tax - have you checked whether it is or isn't? as you show it on your SOA but say you haven't had a response to your DD form. You need to get in contact with the council and find out the truth really - this is going to be a priority bill so if you need to try and negotitate payment plans with the others then this is what you will have to do.
On paper it looks like you have enough (just) to scrape by but from what you're saying you don't. Therefore it looks like a dmp might be a good plan?
See what the situation with the council is first - it could provide you with info that you can use to negotiate with your creditors. If things don't change after the next few months (it could be a blip or it could be more a long term problem - it's hard to tell) then you will need to look at a dmp etc.
Oh and it might be worth seeing what Virgin would charge and use this to negotiate with Sky (I presume it's Sky?) - they might even offer you a deal if you are thinking of leaving - it really depends on if you are in contract with them.
Best of Luck
df

Tebheag

Hi Dead Eye Dan

You have done so well try and focus on what you have achieved you have done so well. My husband has just cancelled our multiroom and Sky said they would leave it on for 6mths free loads of people seem to get discounts for calling them up not sure how it works though !
Also I have not seen Child benefit on your list its the one that everyone gets for now (will be stopping for 40% tax payers ) think its about £18 per week!
I just bought a bike trailor for my kids to go in they love it highly recommend checking ebay as loads of ones for sale on there also car boot season so many people buy bike seats and never use them. As least you got parents to help you out with childcare we are counting down the days till kids start school !!!
Good Luck