Rossendales on behalf of Gateshead Council

katsu

Narkie wrote: »

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 967
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 967

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 317
Management charge (leasehold property).. 0
Council tax............................. 85
Electricity............................. 29.5
Gas..................................... 29.5 These two seem a bit high. We have a semi and pay just under £50 combined, so you might be able to get this down a little. Check you aren't using standby, look at the timings on your immersion heater (and the temperature! 60C max).
Oil..................................... 0
Water rates............................. 0 do you not get charged these? Are you maybe in Scotland?
Telephone (land line)................... 16.33 Look at the landline and internet article details, you could save a little bit here I think.
Mobile phone............................ 20 are you SIM only? great rates with giffgaff if you are not in contract
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 16.33
Groceries etc. ......................... 200 you should be able to reduce this slightly - look at the menu and recipe advice links from the oldstyle forum
Clothing................................ 0
Petrol/diesel........................... 140
Road tax................................ 10
Car Insurance........................... 66
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 8
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0 I expect you do some of these things like pressies/haircuts/ents sometimes.
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 960.66


Assets
Cash.................................... 30
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 30

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 967
Expenses (including HP & secured debts). 960.66
Available for debt repayments........... 6.34
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 6.34

Personal Balance Sheet Summary
Total assets (things you own)........... 30
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 30

I think there are a few places you can make some slight savings so you should be able to meet their £27 per month. You will still be a bit tight covering everything you have 0s for, but CT is such an important debt that I think it is worth finding a way to pay it now if you can.

Good luck,.

RobertoMoir

Narkie wrote: »

I don't understand... despite me telling them how much i have... there is just no leeway. I simply can NOT give them what i do not have.... it is like asking someone who has 5 bars of chocolate for 10 bars of chocolate... I have even said until further notice, meaning as soon as i am in a position to offer more, i will.

What can i send back to them now?! Shall i tell them that it is £5.00 per month or nothing? Atleast i am willing to start repaying, they have not even traced the other tenant and i feel i am being victimised just because i am in a position to sort my past out, rather than running away from it.

Let's be clear about something before you start telling them "£5 a month, or nothing". Council tax is indeed a priority debt. It's right up there with paying for the roof over your head and enough food to live on.

It's a bill that you can, in theory, be sent to prison for not paying. While that's not likely to happen in practice (though telling them "£5 a month or nothing" really wouldn't help with that, which is why I'm mentioning this, and I have known people to be sent down for none-payment), it does hopefully make it clear how carefully you need to discuss this with the council.

Screw the bailiffs though. Have a good read of this, take care that you've not left any assets, including your car, where they can get them and then proceed to ignore them and talk to the council instead. If they can't find any goods to take, they're nothing but bluff, bluster and BS.