New to forum and in debt

sknight_2

Hi all I'm new to this forum. I have just had a debt collector come to pick up my stuff. He has given me till monday to pay £450. I have managed to borrow £300 from a friend. Would that be acceptable?? It's my own fault I'm in this state. Only just found out I'm suffering from depression and start treatment soon.
I have this much coming in every month £1450

Here are my bills

rent - £625
council tax - £101
water - £45
gas - £67
electricity - £58
TV, phone and internet - £70
mobile - £45
vodafone - £33 only till apr then will be cancelled
loan - £96 only 20wks left on that
school bills - £80

These are my debts

water - £800
council tax - £449.95 and then this year £813
catalouge - £200


I know this is not much comapared to what most people have but to me this is quite frightening. I'm dealing with Penham Excel and the bailiff is awful. I have explained my financial situation to him but he says that I have messed him. I would like to point out I waited in a whole day for him and he never showed up then he turned up while I was at work without informing me so I got charged for that. Should he accept that I can only get £300. I have books I can sell to a book shop but that will only raise about £50 as they only pay 20p a paperback. I need any advice anyone can give me.

Thank you

tallyhoh

is it a bailiff? have you got a court order against you for the debt. Has he actually entered your home?

mcjordi

have nay of your creditors taken you to court? if this "debt collector" isnt a bailiff then they have about as much power as my postman to demand money..

Cynical_Monkey

sknight wrote: »

Hi all I'm new to this forum. I have just had a debt collector come to pick up my stuff. He has given me till monday to pay £450. I have managed to borrow £300 from a friend. Would that be acceptable?? It's my own fault I'm in this state. Only just found out I'm suffering from depression and start treatment soon.
I have this much coming in every month £1450

Here are my bills

rent - £625
council tax - £101
water - £45
gas - £67
electricity - £58
TV, phone and internet - £70
mobile - £45
vodafone - £33 only till apr then will be cancelled
loan - £96 only 20wks left on that
school bills - £80

These are my debts

water - £800
council tax - £449.95 and then this year £813
catalouge - £200


I know this is not much comapared to what most people have but to me this is quite frightening. I'm dealing with Penham Excel and the bailiff is awful. I have explained my financial situation to him but he says that I have messed him. I would like to point out I waited in a whole day for him and he never showed up then he turned up while I was at work without informing me so I got charged for that. Should he accept that I can only get £300. I have books I can sell to a book shop but that will only raise about £50 as they only pay 20p a paperback. I need any advice anyone can give me.

Thank you

I'd say you're definitely paying too much for gas and electric - Can you fill in a proper SOA (http://www.makesenseofcards.com/soacalc.html) to help clarify your income and outgoings?

Thanks

sknight_2

Yeah it is a bailiff from my old address. Me and my 2 children have just moved to a new house owing to a slum landlord evicting us so he could move some of his family in. I made the fatal error of letting him in at our old address but I haven't let him in at this address. He's coming back tomorrow to get his £450. I have managed to £400 of it now thanks to my dad. It was awful telling him what had happened but he understood and said he had a little bit of money to help me. As for my gas and electricity I'm paying off an old debt thats why it is so high. I have almost paid that off though so I have been told it will go down by alot. So by feb my gas and electricity will £75 for them both together. I know it's gonna be a long slog with these debts but I'm so upset with this bailiff. He's vile. I have been nothing but nice to him and he has just been plain awful. I mean I have £400 for him now thats £50 less than what he was asking for. But surely it's better than getting nothing.

ladysparklexx

Hi, do you have the time in the morning to sell you books before he comes around for the extra £50

sknight_2

Unfortunately not. I have to be at work. He is coming round after I finish work.

ladysparklexx

Hi sorry Im grasping at strwars a bit for you but how close are you to your employer, would they consider an official sub for £50. I work in our payroll department and we often give out subs when people need them. This would then give you a bit more thinking time.

sknight_2

I wish our company would help like that but they don't. I have just text a friend and she has said she will help me out. I really don't know what I would do without my bestmate. Once I have paid this money in tomorrow then I can enter a new payment plan. I know I will have to let him in tomorrow to set up the new payment plan. Just wish I could deal with someone else instead of this guy.

CuppyCake

Hi there.

So sorry to hear about this bailiff man.

Once you get tomorrow done and out the way, I suggest you start a debt free wannabe diary. I know a lot of people have found it useful, not only for the chance to organise your debts but also for the support that other people in similar situations can give you.

Take care, Cuppy x

sknight_2

Thank you Cuppy. I felt a bit weird coming on here as my debts don't seem alot compared to most. Everyone here has been so nice and helpful. Will start a diary tomorrow.