Impossible situation-appreciate any help

p999j

Yes- I made a mistake on the institutions- its annual not monthly.

Re mortgage- having CCCS support next week,so am hoping they can help.
At this stage I don't want to pre-empt actions, but rather look at options.

Thanks!

XXSCOTSLASSXX

p999j wrote: »

Yes- I made a mistake on the institutions- its annual not monthly.

Re mortgage- having CCCS support next week,so am hoping they can help.
At this stage I don't want to pre-empt actions, but rather look at options.

Thanks!

Have you contacted CCCS re a Debt Management Plan or help with paying your Debts?? am not sure they will be able to help to be honest .. in order for them to take on your accounts you would need to have at least some surplus to make payments with .... at the moment there is no surplus.

p999j

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................ 0
Partners monthly income after tax....... 0
Benefits................................ 447
Other income............................ 0
Total monthly income.................... 447
Monthly Expense Details
Mortgage................................ 704
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 115
Electricity............................. 73
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 22
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 11
Car Insurance........................... 38
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 25
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Institute membership (Prof necessity)... 54
Total monthly expenses.................. 1223

Assets
Cash.................................... 0
House value (Gross)..................... 150000
Shares and bonds........................ 0
Car(s).................................. 1300
Other assets............................ 0
Total Assets............................ 151300

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 115000...(704)......0
Total secured & HP debts...... 115000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard(cc0................4134......90........0
Nationwide(cc).................300.......40........0
Sainsbury's(cc)................7700......150.......0
Barclays (loan)................3440......62........0
Bank of Scotland (cc)..........6000......88........0
Santander (loan)...............8082......210.......0
Total unsecured debts..........29656.....640.......-

Monthly Budget Summary
Total monthly income.................... 447
Expenses (including HP & secured debts). 1,223
Available for debt repayments........... -776
Monthly UNsecured debt repayments....... 640
Amount short for making debt repayments. -1,416
Personal Balance Sheet Summary
Total assets (things you own)........... 151,300
Total HP & Secured debt................. -115,000
Total Unsecured debt.................... -29,656
Net Assets.............................. 6,644
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

dimples666

Hi
This happened to me but i ended up leaving as the situation became untenable, a decision i now regret.
I am registered disabled too, mine is a mental health issue so its not always apparent although sometimes its very obvious too.
You should be entitled to council tax benefit wich often means no council tax to pay.
You should also be able to get employment support allowance which is in the region of £350 a fortnight and also they will pay a % of your mortgage (only interest not equity)
you should also be able to get DLA which is not means tested and if you require a carer they can claim carers allowance, if your disability is severe you can get severe disablement allowance.

The link below will help you find out all things you are entitled to


http://www.direct.gov.uk/en/DisabledPeople/index.htm

I hope this situation improves, i know its tough but try to remember to communicate with the people you owe money too, its scary but if they know they can help, if they dont thats when they get antsy.
If you need a shoulder i am here
There is always light at the end of the tunnel, its just that sometimes its only a pin point and we have to run towards it.
xx

RAS

Have you applied for Council tax benefit and mortgage interest support? https://www.turn2us.org.uk

p999j

XXSCOTSLASSXX wrote: »

Have you contacted CCCS re a Debt Management Plan or help with paying your Debts?? am not sure they will be able to help to be honest .. in order for them to take on your accounts you would need to have at least some surplus to make payments with .... at the moment there is no surplus.

It'd be a debt management plan. I'll be going mad selling stuff on ebay this weekend and have already sold stuff for £80.

I will have surplus when my health insurance pays me. Back money.

p999j

RAS wrote: »

Have you applied for Council tax benefit and mortgage interest support? www.turn2us.org.uk

I didn't know you could get mortgage interest support. Will ask. Thank you.

p999j

dimples666 wrote: »

Hi
This happened to me but i ended up leaving as the situation became untenable, a decision i now regret.
I am registered disabled too, mine is a mental health issue so its not always apparent although sometimes its very obvious too.
You should be entitled to council tax benefit wich often means no council tax to pay.
You should also be able to get employment support allowance which is in the region of £350 a fortnight and also they will pay a % of your mortgage (only interest not equity)
you should also be able to get DLA which is not means tested and if you require a carer they can claim carers allowance, if your disability is severe you can get severe disablement allowance.

The link below will help you find out all things you are entitled to


http://www.direct.gov.uk/en/DisabledPeople/index.htm

I hope this situation improves, i know its tough but try to remember to communicate with the people you owe money too, its scary but if they know they can help, if they dont thats when they get antsy.
If you need a shoulder i am here
There is always light at the end of the tunnel, its just that sometimes its only a pin point and we have to run towards it.
xx

I can't get ESA for another 26 weeks for some reason. Did get it last year when off.
Thanks for offer of shoulder and advice.

[Deleted User]

My 2p worth :-)

p999j 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................ 0
Partners monthly income after tax....... 0
Benefits................................ 447
Other income............................ 0
Total monthly income.................... 447
Monthly Expense Details
Mortgage................................ 704
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 115 - apply for Council tax Benefit immediately
Electricity............................. 73
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0 - you pay nothing for water rates/meter?
Telephone (land line)................... 22
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 11
Car Insurance........................... 38
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 25
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Institute membership (Prof necessity)... 54
Total monthly expenses.................. 1223

Assets
Cash.................................... 0
House value (Gross)..................... 150000
Shares and bonds........................ 0
Car(s).................................. 1300
Other assets............................ 0
Total Assets............................ 151300

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 115000...(704)......0
Total secured & HP debts...... 115000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard(cc0................4134......90........0
Nationwide(cc).................300.......40........0
Sainsbury's(cc)................7700......150.......0
Barclays (loan)................3440......62........0
Bank of Scotland (cc)..........6000......88........0
Santander (loan)...............8082......210.......0
Total unsecured debts..........29656.....640.......-

Monthly Budget Summary
Total monthly income.................... 447
Expenses (including HP & secured debts). 1,223
Available for debt repayments........... -776
Monthly UNsecured debt repayments....... 640
Amount short for making debt repayments. -1,416
Personal Balance Sheet Summary
Total assets (things you own)........... 151,300
Total HP & Secured debt................. -115,000
Total Unsecured debt.................... -29,656
Net Assets.............................. 6,644
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

vassa

p999j wrote: »

Mortgage................................ 704
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 115
Electricity............................. 73
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 22
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 11
Car Insurance........................... 38
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 25
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Institute membership (Prof necessity)... 54
Total monthly expenses.................. 1819

I'm presuming your grocery outgoing is per week?

You need to bin the mobile and the landline, and the TV and TV licence. These are non-essentials and when you're running so far negative month on month you need to get rid of them.

You also shouldn't be spending £20 a month on clothes really, or paying £25 in pet insurance. You're also not in a position to be running a car, so you need to sell that and cut that cost.

Some may think i'm going over the top, but you literally need to cut EVERY unnecessary expense. You should also be applying for council tax benefits and may get this backdated. You can apply for housing benefit too.

The major thing you need to get sorted is your debt - write to them all and only pay what you can afford (which is nothing at the moment).