stirling park can they do this?

m_j_t12

Hi all,
I dont know if i am posting on the correct thread or not as i am new to this (but learning fast) but i would welcome some advice on a problem i have both me and the wife fell into council tax arrears which resulted in a wages arrestment for both of us, now we were fine with that it works out about £159 pm but we also fell into arrears with this years aswell for the sake of £11.00 the dca (stirling park)sent a letter demanding another £115 pm on top of the wages arrestment (which would take the monthly paiments to £274 pm) to be paid in the form of paymentslips at the post office when i phoned them thet said it was because it is a new account and we have to pay it sepritly can they do this? as my wife is about to go onto maternity leave there is know way we can aford this it is becoming quite stressfull can anybody help please once again sorry if this is the wrong thread btw i live in scotland.
mjt

RAS

Welcome

We need to separate things out a bit here.

Your wages attestment, which year's council tax is that for? When do you finish paying that off?

This year' tax is also in arrears? Is that what you got £11 in debt? How much is this year's Council tax per month? Have you asked the Council if you can pay over 12 months instead of 10 months to help you budget? Did you talk to them about the £11 debt when it happened?

Also, since your circumstances are changing, have you been to www.entitledto.com and put in the details of your current income and what you may be entitled to now? Then put in the income you will get once your wife is on maternity leave. Are you entitled to any Council tax benefit/Working Tax credit while she is not working?

finally, since you seem to be having some problems generally and your income expenditure situation is a bit difficult at the moment, you could put up a Statement of Account and the folk here can help you sort things out

go to http://forums.moneysavingexpert.com/showthread.html?t=107280 and take SS advice.

m_j_t12

Hi RAS
thanks i still have 14 months to go in the arrestment,this years tax fell into arrears because we didnt pay £11.00 outstanding on aprils council tax monthly payment it was just over looked dont ask me why just one of those things it was to late to contact the council about paying the £11.00 we only remembered when we got the letter from the dca this has turned into what i call a stupid debt as in its our fault for not paying attention over £11.00 but i think we are being asked a bit much of us to pay back £274pm but i will check out the entitledto.com and post a statement of accounts and hopefully try and get it sorted out.on a personal note its really nice to see people like yourself helping others out thank you

m_j_t12

well here it is as of the 26/06/07
JOINT INCOME = £1548.00

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EXTRA INCOME = £112.00 (TAX CREDIT/CHILD BENIFIT)

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TOTAL INCOME =£1660.00

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OUTGOINGS

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1) RENT =£460.00
2)COUNCIL TAX =£115.00
3)HP =£68.00
4)PETROL =£20.00
5)C/C =£10.00
6)SKY =£31.00
7)CAR/BIKE =£19.00
8)GAS =£34.00
9)ELEC =£25.00
10)TV =£42.00
11)NET =£18.00
12)ALLIED =£40.00
13)BT =£40.00
14)LOAN =£114.00
15)HYDRO =£23.00
16)CAT =£30.00

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TOTAL OUTGOINGS =£1089.00

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MONIES LEFT =£571.00
HOPE SOMEONE CAN HELP
MJT

RAS

MJT

Please can you update you SOA so that we can see what exactly you are spending and what you debts are. For each of the debts, we need to know the amount of the loan/debt, the APR and the minimum amount to pay monthly. For loan also when it ends.

you mention that you have an attestment order of £159 per month above, which does not seem to be here?

Can you add the total debt, the monthly payment and end date to the list of debts.

m_j_t12 wrote: »

well here it is as of the 26/06/07
JOINT INCOME = £1548.00
EXTRA INCOME = £112.00 (TAX CREDIT/CHILD BENIFIT)

TOTAL INCOME =£1660.00

OUTGOINGS

1) RENT =£460.00
2)COUNCIL TAX =£115.00

4)PETROL =£20.00

6)SKY =£31.00 - get rid of this
7)CAR/BIKE =£19.00
8)GAS =£34.00
9)ELEC =£25.00
10)TV =£42.00 - what are you paying for here? Licence is £11
11)NET =£18.00

13)BT =£40.00

15)HYDRO =£23.00
16)CAT =£30.00

FOOD??????????
Clothes, presents entertainment?

Debts

3)HP =£68.00
5)C/C =£10.00
12)ALLIED =£40.00
14)LOAN =£114.00

TOTAL OUTGOINGS =£1089.00
MONIES LEFT =£571.00 but not when you have paid the attestment and eaten

HOPE SOMEONE CAN HELP

Sorry if this is a bit shirty but in a rush.

RAS

Needs a bump

MJT, can you edit in advanced mode and change the title of the thread, as it might get a better response?

m_j_t12

Hi RAS ok here goes with my updated SOA this is eveything i can think of

JOINT INCOME = £1548.00
EXTRA INCOME = £112.00 (TAX CREDIT/CHILD BENIFIT)

TOTAL INCOME =£1660.00 (thats with the arrestment on both our wages)

DEBT
council tax arrears = £5000.00 (paying back £159 pm arrestment)
connaugt financial = £1000.00 (repaying £10.00 pm) have requested cca
allied international = £ 960.00 (repaying £40.00 pm) have requested cca
cabot financial = £ 1016.00 (nothing yet 10 year old debt requested cca)
catalog =£ 214.00( payments £30.00 pm)
pc world =£ 180.00(payments £68.00 pm increased from £30.00
hydro board =£ 280.00( payment £24.00 pm)
bank of scotland loan £ 6000 owe £1140 ( payment £ 114 pm finish may 2008)
credit card = £ 200 limit owe £98.00 min payment i make £10.00
total debt =£9988 yikes

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outgoings
rent £460 pm
petrol £20.00 pm
sky £31.00 pm (only for this month canceled tonight)
car/bike insurance £19.00 pm
tv rental £15.00 pm
tv licence £27.00 pm (we are paying over 5 months)
gas £34.00 pm
elec £34.00 pm (inceased from £25 today to keep in credit)
food £ £160 pm
total out goings =£800 + £296 repayments
total £1096.00 per month (that is minus the £159 arrestment as the total income above is after the arrestment i dont know the apr on the loan but could find out if you want any more info please ask to be honest our main problem is stirling park and this extra £115.00 they want also some tips on bugeting would be helpfull as my wife is going on maternity leave later this year thanks for your help
mjt

m_j_t12

sorry forgot to include £18.00 pm internet and £40.00 bt