In Need of Urgent Help Please

sammy115

johnbfan wrote: »

Hi there.

Your first place for help should be Citizens Advice Bureau. They will speak to you about your position and then refer you to someone who can give you the help you need. Do it through them and it looks better to your creditors as well, they know you are making an effort then

Have to disagree slightly on this one. i found it difficult to get through to CAB and all they did was give me copies of letters to send. However, when I went through National Debtline they gave me a case number straight away. All i had to do was quote my case number to my creditors who backed off immediately. they also look at your circumstances and pass you on to either CCS or Payplan whichever they think might be the most suitable for your circumstances.

Angel11_2

From another Angel to you

I've got some sim cards here at home - 02 ones with free text messages. If this helps pm me your address and i'll send it to you.

Can only say do not go with this loan company -may be slightly lower payments but you will pay more in the end and for much longer.

Giving up smoking is a good idea - hard I know but i've managed it myself now - now been 2 1/2 yrs - can't stand the smell of them now lol

Lots of people will help you for free on here - stick with us and welcome to MSE :T

Angel4u1974

Thank you everyone for all your help I've now got an appointment with CCC's on Monday at 11.00 am to try and sort my mess out. Once again many thanks :j

lynzpower

Wages £88.00 per week
Child benefit £18.10 per week
Tax Credits £122.81 per week
Housing Benefit £216.00 fortnightly

INCOME PCM 1459.94

Outgoings
Loan 84.79 monthly - £1754.57 to repay 19.9%APR ( is there any PPI on this?)
Electricity 60.00 monthly just managed to pay off £481 arrears but new bill due soon ( this is high. are you using energy saving lightbulbs, as yu recieve benefits you can get these free- look on freebies board or electricity board, also you can restrict your usage, https://www.est.org.uk by using pan lids, extra jumpers, insulating loft with old newspapers, also switch suppliers to a cheaper one using Quidco & uswitch- youll get 15 quid for doing so)
Car Insurance 17.65 monthly ( have you checked this is the cheapest again use quidco)
Sofa 40.00 per month 2 payments left ( i suggest once tihs is paid off using this 40pcm to pay extra off your loan, as this is the highest APR)
Rent 650.00 per month
Credit Card 70.00 per month £4138.40 interested has been halted
Next 98.10 per month £1039.58 left to pay ( APR is quite high on this about 20-odd % isnt it?) Telephone 35.00 monthly ( whats this for? it seems high- you can get BT line only then use a predialler, or primus 2 as a call carrier- have agood read f the telephones board/ again use uswitch- you get paid 15 for the switch)
southern water 11.00 monthly
Mid Kent Water 15.00 monthly in arrears
Mobile Phone 25.00 monthly ( can you downgrade your package if you are in contract? oops just realised you are getting a PAYG sim, so a reduction here- use this reduction ( 20 quid? towards your next card or loan?)
TV License 10.00 monthly
Food 140.00 monthly ( you can drive this down a little bit by using vouchers ( vouchers board and the old style board) Petrol 80.00 monthly ( buy from tescos so you get CC points or nectar at BP)
Fags 40.00 per month ( go to rollies if you are not already)
Child care 20.00 per month
Council loan £35.00 per month 5 months to pay ( once tihs is paid, you can then start sending this money to next card)
In work credit over payment 5.00 per month
Council tax £46.00 per month

I'm up to my overdraft limit of £300 ( wahts the apR on this? if its not free, thenconsider changing to a bank with a free OD eg smile 500 free or alliance & liecister, you also get cashback on quidco for this as well. )

hope this helps. I think CCCS is a great place to start but hopefully with some extra savings you could up your payment to CCCS and get the debts paid off a bit quicker