Urgent Help Please

sa80_99

I'm stuck between a rock and a very very hard place.

I have lost all details of who i owe money too after they have kept changing from one debt collection agency to the other that i don't know who i owe, and to whom. I now have a bailiff calling collecting an amount for HSBC. I'm trying to fill in the court form but cannot afford the £35 charge until the end of the month.

I know i need to go bankrupt but cannot even afford the court fees to get this done even though i have a fairly good job money just comes into the bank account and then straight back out again in rent and just general living expenses.

I just don't know what to do anymore and am getting more and more worried about everything i just don't know where to turn.

Emmzi

Don't panic, number 1! Easy to say, I know..

A few questions to help us help?

- have you asked anyone for help (citizens advice etc)
- do you have a credit card that will work to get a free online copy of your credit report? (you cancel after a week and you don't have anything to pay, it's just to get it in the first place.) This will identify who your creditors are, I think.
- do you have an idea of how much you owe in total?
- what's your income and what are your bills excluding debt repayment, each month or week?

Deep breath. There'll be a way to help.

Broken_hearted

Is it not possible to check your credit file and contact the origional creditors to see if they know where the debt is held.

sa80_99

I have spoken to CCCS before but nothing since this went down hill big time.

No credit or debit card so can't do anything that way.

About £30k i would say rough estimate

Below is a breakdown of monthly figures. With no money left at the end of being paid.


Rent 650.00
Building/Contents Insurance 10.00
Council Tax 134.00
Electricity 50.00
Telephone 32.50
Mobile Telephone 10.00
Road Tax 10.00
Car Payment 240.00
Car Insurance 40.00
Car Maintenance 30.00
Petrol 80.00
Housekeeping 300.00
Medical/Dental/Opticians 15.00
Haircuts 10.00
Clothing (includes shoes, school uniform etc) 50.00
Emergency/Holiday/Xmas/Birthday 50.00
Entertainment and going out 50.00
TV Licence/Rental 11.00
1,772.50

Just don't know what to do!

Emmzi

try here for a free credit report. It says no card required.

http://www.annualcreditreport.co.uk/

Your first priories are roof, food, heat and light. I suggest beginning by opening a new basic bank acount, getting your wages paid in there, and paying only these priority bills out of it.

How much do you have coming in?

elantan

can you not get your credit report that should tell you who and how much you owe ...if you feel that you might need to go bankrupt the br board will be very helpful in showing you the way to go about it ..i'm sorry i dont know much about going br so cant really help you there but they can

sa80_99

Generally have just about enough to cover it all. But then find having no money until get paid again at the end of the month

misspoppy

Can you tell us your total income and how many people are in your family. Also your debts, you know about and pay with their outstanding balance and apr

RAS

Hi Just started to rearrange your SOA, if that is OK? Can you fill in the blanks? Then people canhelp you more easily.

Income
Salary?
Child benefit?
Other benefits?

Outgoings

Rent 650.00
Building/Contents Insurance 10.00
Council Tax 134.00
Electricity 50.00
Telephone 32.50
Mobile Telephone 10.00
Road Tax 10.00

Car Insurance 40.00
Car Maintenance 30.00
Petrol 80.00
Housekeeping 300.00
Medical/Dental/Opticians 15.00
Haircuts 10.00
Clothing (includes shoes, school uniform etc) 50.00
Emergency/Holiday/Xmas/Birthday 50.00
Entertainment and going out 50.00
TV Licence/Rental 11.00
1,772.50

Debts

About £30k i would say rough estimate.

We need to know how much you owe, to whom and what the APR is. With loans, when they finish as well. For instance

Bloggs and co Car Payment Total value £4,000 monthly 240.00 APR 19.9%.

Finally can you just slip over to https://www.entitledto.com and put in your salary, housing and Council tax details, to mmake sure you are getting what is owed to you.

Emmzi

The reason I ask is that if there's enough for, say, a fiver a month to each creditor, a debt management plan is an option (from which you could progress to bankruptcy if it proved unmanageable). So the difference between you having an income of, say £1800 net, and £2000 net, can make a difference to the options available to you.

You've mentioned chool uniform so I'm assuming you have kids. Have you checked all the working parent benefits available on entitledto.com?

sa80_99

Income is £1750.00

All credit cards and loans have been not paid for well over a year and like i stated have lost count of the number of debt collection agencies they have passed through.

I child of 7