help! need some advice

kimminess

Let us know how you get on with CCCS

donky_boy

i will do. thankyou for very much for your advice.

just had enough of running and ignoring this problem.

want to be able to not worry when the door goes. and not worry myself sick when we move home and have a credit check done for renting etc.... not that i will have it happening any time soon.

camuk81

Have you thought about asking the council to put the council tax to 12 months rather then 10?

fatbelly

Your travel costs are a bit on the high side but, apart from that it's a classic case for a Debt Relief Order

It would just need a line to explain why you spend £200 per month on petrol. Other than that,

Factsheet Debt relief orders

£90 sorts it.

actually, just move a bit of the petrol to food & housekeeping as £80 is too low

Googlewhacker

Your rent is £750 and your partner doesn't contribute.....Can you clear that up please?

IF she isn't contributing then she really needs to start to, even if its a small amount being on maternity/paternity.

up2ualan

It is tricky to kill off the mistakes of youth, this will take some time to get rid of

chalky_75

Lots of advice here so I will just add my best wishes that over time you manage to get things sorted.
On a practical level don't go near the shops -- you never need anything til you do Even for food I think it is often cheaper to shop online so that you are not tempted and try and shop every 8 days not 7 as it evens the weeks in the month up
Good Luck

fatbelly

up2ualan wrote: »

It is tricky to kill off the mistakes of youth, this will take some time to get rid of

mmm. about a month perhaps. 6 years to get the credit file sorted maybe, or maybe not. Saw a credit file today where someone had got a Vanquis card one month after DRO finished.