Spent years hiding away and running, literally in cases, from this...

Hiddenidenity

Sorry i dont know how to find them on here as im a newbie too lol x But i use here http://www.fightingdebt.co.uk/templates.html for letters x

Little_Miss_Uni-Debt

Hello Cookie,

To start knowing what you owe just list what's on your credit reports + any debts you are made aware of from letters/phone calls you get. You've got to build the full picture and you can only do it with the facts/info you've got to hand.

If you get to the point where your credit report is clear and no one is contacting you about debts etc, that's as debt free as anyone ever gets .

As for the template letters, what topic are you looking for a letter on? They're all in different sections according to the point you want to make i.e reclaim bank charges, reclaim PPI, access to past bank statements etc.

I think a new SOA and a call to CCCS/CAB will give you a much clearer overall picture. :j

CookieCrisp

Ok here is my 'hopefully' complete soa
I have put amounts in for haircuts/presents etc - do these seem ok to everyone lol sorry to ask just never put them in before...too little or too high?
I have highlighted in red the ones that are 6yrs old or more
I have put DEFAULT next to ones that are defaulted (what does this mean exactly?)
Also...I have tried to get my reports from callcredit and equifax to no avail! They seem to think I'm not who I say I am and it's driving me up the wall so shall try again tomorrow

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 4
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1373
Other income............................ 0
Total monthly income.................... 1373

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 0
Oil..................................... 50
Water rates............................. 20
Telephone (land line)................... 11
Mobile phone............................ 15
TV Licence.............................. 18.75
Satellite/Cable TV...................... 0
Internet Services....................... 26
Groceries etc. ......................... 240
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 10
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 570.75


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Friend 1.......................3616.8....164.6.....11.9
Friend 2.......................5207.68...300.......0
Family 1.......................2880......0.........0
Avon...........................115.......0.........0 DEFAULT 10/01/2006
Capquest.......................177.......0.........0 DEFAULT 30/01/2009
Lowell Portfolio Ltd...........823.......0.........0 DEFAULT 28/09/2009
Debt Managers Ltd..............509.......0.........0 DEFAULT 21/06/2009
British Gas....................11........0.........0 DEFAULT 28/09/2007
Natwest........................1910......0.........0 DEFAULT 30/04/2010
Natwest........................264.......0.........0 DEFAULT 31/03/2010
Halifax........................818.......0.........0 DEFAULT 29/01/2011
Provident......................171.......0.........0 DEFAULT 14/03/2011
Marstons- apr+29p p/d..........1041.15...50........8
Family 2.......................1080......0.........0
Total unsecured debts..........18623.63..514.6.....-


Monthly Budget Summary
Total monthly income.................... 1,373
Expenses (including HP & secured debts). 570.75
Available for debt repayments........... 802.25
Monthly UNsecured debt repayments....... 514.6
Amount left after debt repayments....... 287.65

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -18,623.63
Net Assets.............................. -18,623.63

I can also get the dates that the accounts were opened - would the statute barred go from date opened or date defaulted?


These are the dates the following were opened

Avon...........................115.......0........ .0 DEFAULT 10/01/2006 06/12/2004
Capquest.......................177.......0........ .0 DEFAULT 30/01/2009 03/09/2007
Lowell Portfolio Ltd...........823.......0.........0 DEFAULT 28/09/2009 20/07/2008
Debt Managers Ltd..............509.......0.........0 DEFAULT 21/06/2009 (Doesn't tell me)
British Gas....................11........0.........0 DEFAULT 28/09/2007 28/02/2007
Natwest........................1910......0........ .0 DEFAULT 30/04/2010 28/09/2009
Natwest........................264.......0........ .0 DEFAULT 31/03/2010 19/04/2007
Halifax........................818.......0........ .0 DEFAULT 29/01/2011 08/06/2010 (Overdrawn by £5 - the rest is charges since 8/6 - surely this is not legal? Are they not supposed to cap the charges - can I reduce this/write this off somehow?)
Provident......................171.......0........ .0 DEFAULT 14/03/2011 17/06/2010
Marstons- apr+29p p/d..........1041.15...50........8 CCJ Amount £808 when started - have paid OVER £800 already (fees on top - can I get this referred back to the courts and possibly seek the charges/fees taken off and removed from the debt which would subsequently render this debt paid?)

CookieCrisp

Basically...Can anyone tell me which of those debts I can write off, ask to be written off etc

I also have debts with BT VIRGIN SKY but none are showing on experian report - see above about equifax/callcredit

Also I would like to say that I have had NO correspondence from any of the above debts for a good 5-6mths (letters/calls)

CookieCrisp

If I have 287.65 left a month...would it be best to clear the smaller debts in full? Like capquest 177, natwest 264, provident 171 one a month for 3 months? Or start payment plans with @ £41.09 pm for the 7 I currently don't pay? (I refuse to pay the £11 to BG as I was on a prepayment meter at the time and really cannot see how I could owe this albeit £11 its still £11 I do not owe!)
The two family debts have both agreed to hold tight until I have cleared the debts off...thankfully...though I would still love to repay them something each month even if only a little?

CookieCrisp

...and how do I make a sig with my debt totals/100 day challenge thingys?

Did that work?

No

CookieCrisp

Ok well I give up on the whole sig thingy now! Found it, typed it, saved it...now its not here??

CookieCrisp

Ohhhhhhhhhh k its here now! How random

CookieCrisp

I still can't get callcredit to accept my card details

Equifax threw up a virgin account defaulted on 11/06/2009 for £378

Is there a way I can add other addresses to equifax...I cannot seem to find it?

415SanFran

I have sent you a PM