It's ALL going wrong...

euronorris

Rochdale_Guy wrote: »

And if you are lucky to be kept on, you then have to take 4 days forced at Xmas UNPAID, have your weekly working hours increased from 36.25 to 37 hours, have a pay freeze for a year, and lose loads of benefits like car user allowance etc etc, that doesn't effect me, but it's just a taster of what it's like

Unfortunately, whilst this sucks, it is pretty typical of the current economic situation. A lot of companies have had to do the same. I work for a multi national company, and I know that the Australian employees had to take 2 weeks unpaid leave, during their winter months last year as well as take a pay freeze. The Irish employees all had to take a pay cut. Every office, in every country has seen redundancies and cut backs too. I heard recently, that the UK office would also be enforcing unpaid leave days.

So, I know it sucks, but you (they) are not alone on this one.

Rochdale_Guy

XXSCOTSLASSXX wrote: »

Am a bit confused by all this.... you havent yet been made redundant is that right? apologies if that seems like a daft question... however am assuming you are still on full pay? from what i can gather from reading the previous posts u have no dependants and live in rented accommodation....

Having not yet been made redundant and all debt the £26,000 owing with cccs paying £126 a month... im struggling a bit to understand where your monthly wage is going.... have u posted an soa?

10 years working for the council must be paying a fairly decent monthly wage and as you have not yet been made redundant budgeting under the cccs guidelines for living expenses etc one would assume would leave a fairly hefty surplus unless im missing something major?

Again apologies just not getting my head round receiving a decent monthly wage...paying £126 for debt repayments and being unable to factor in a £29 per month rent increase??

Hello, thanks for the post.

I can't find the SOA I submitted to CCCS but I will try and cut'n'paste from my online account with them that shows my income and expenditure. This does NOT show the rent increase as I never told them that....

Total income £1,078.00
Total expenses £952.00
Surplus £126.00
















.
.
.
.
.

Rochdale_Guy

euronorris wrote: »

You won't look stupid. You'll only be asking for a copy of the information they hold on you at first. You won't be specifically asking for the PPI related information, so they won't know.

You are building things up in your head at the moment and seeing the worst case scenario where there isn't necessarily any need to.
Have you spoken to your GP about how you're feeling with all this? [/QUOTE]

No. ..........................

eyeopener2

Hi

Have you ever posted an SOA on here to see if there are any savings to be made?

E2

*EDIT

I see its appeared after I posted this.

Rochdale_Guy

euronorris wrote: »

I think it might be possible for a creditor to apply to make you bankrupt (I'll check), BUT.....it is not in their best interests in this case. You have no property/assets to sell off in order to repay them, so by making you bankrupt, they'd only guarantee that they would get LESS money back from you. So please try not to worry about it.

I know it's 26k, but I was in debt to the tune of almost 18k to begin with and now it's only a few grand (and it's owed to my bf, interest free, rather than the banks etc). You CAN and WILL turn this around. It might take some time, and there may be setbacks along the way, but you will get there. You didn't run up the debt in one day, one week or one month, did you? So it's going to take a while to get rid of it too.

When you have no income, you drop your payments to token payments of 1 quid until you have an income again. But you really, really need to talk to CCCS now. They are not there to judge, they are there to help you, but they can't do that if you don't talk to them.

Thank you.

rising_from_the_ashes

XXSCOTSLASSXX wrote: »

10 years working for the council must be paying a fairly decent monthly wage and as you have not yet been made redundant budgeting under the cccs guidelines for living expenses etc one would assume would leave a fairly hefty surplus unless im missing something major?

Unfortunately a lot of people are in a similar position Scotslass - especially single people.

I've worked for a LA for nearly 10 years - my annual salary puts me in the low income bracket but as I'm single, with no dependents, I (like many) get no help for anything at all.

We've not had a pay increase (incl cost of living) since 2009 - and costs have gone up hugely since then as everyone knows, therefore squeezing the budget even more.

Most of my wage goes on living expenses - these come to around £800 / month for the household expenses alone. If I were in a couple, this would be split between 2 (a huge difference @ £400 each) or if I had dependents, I'd get benefits to help ......

I guess I'd call it treading water to keep afloat really - constant juggling to try to make ends meet with what's in the pot.

My monthly surplus (I need to revisit this again to see if there's some juggling room somewhere but it's doubtful) is £44:eek:

Rochdale_Guy

eyeopener2 wrote: »

Hi

Have you ever posted an SOA on here to see if there are any savings to be made?

E2

Please see post #173 above, that is what CCCS work off.

Rochdale_Guy

rising_from_the_ashes wrote: »

Unfortunately a lot of people are in a similar position Scotslass - especially single people.

I've worked for a LA for nearly 10 years - my annual salary puts me in the low income bracket but as I'm single, with no dependents, I (like many) get no help for anything at all.

We've not had a pay increase (incl cost of living) since 2009 - and costs have gone up hugely since then as everyone knows, therefore squeezing the budget even more.

Most of my wage goes on living expenses - these come to around £800 / month for the household expenses alone. If I were in a couple, this would be split between 2 (a huge difference @ £400 each) or if I had dependents, I'd get benefits to help ......

I guess I'd call it treading water to keep afloat really - constant juggling to try to make ends meet with what's in the pot.

My monthly surplus (I need to revisit this again to see if there's some juggling room somewhere but it's doubtful) is £44:eek:

I echo everything you just said rising from the ashes.
It's tough, real tough :wall:

Everything is going UP except my salary, and soon that will be stopping.

If I'd told CCCS about my rent increase, that would leave me paying just £97 a month.

I didn't think CCCS took you on if you had less than £100 a month available?

heartbreak_star

Go to your GP, RG. I will keep saying this. Yes you might be put on antidepressants, and I know you keep saying "oh but the problems will still be there". The ADs will take away the edge and make you able to deal with things better. They aren't a cure and I'm not pretending that they are...but if you had a broken ankle you'd take painkillers - it wouldn't fix your ankle, the break would still be there, but it'd help you get on with it, this is the same thing really. Anything that could help should be grasped, and you know yourself the people here know what you're going through.

HBS x

rising_from_the_ashes

Rochdale_Guy wrote: »

I echo everything you just said rising from the ashes.
It's tough, real tough :wall:

Everything is going UP except my salary, and soon that will be stopping.

If I'd told CCCS about my rent increase, that would leave me paying just £97 a month.

I didn't think CCCS took you on if you had less than £100 a month available?

Not sure RG from the CCCS website "For a DMP to be suitable, you need to have some money left over after paying your essential bills and living expenses so you can make regular monthly contributions towards your debts." (http://www.cccs.co.uk/InfoCentre/EnglandandWales/Debtsolutions/Debtmanagementplan/Debtmanagementprogramme.aspx)

It just says "some money" but doesn't mention a figure - sure others will be able to advise further.