Alone and worried

TotalFreak

That man is a no hope, him and his gambeling is how i have ended up in all this dept...... was too willing to help him and look were it has got me alone and £16,000 in dept

will have a look at the payplan website ( thanks)

will also look into council tax rebate ( thanks)

Have put my name on the council so i can sell my home and get a council house ( but as yet have not been offered one, been told possible 4 month wait)

calleyw

TotalFreak wrote: »

Hi,


The virgin media is TV / Phone and internet tried asking for a lower rate but they said no.

On there website they are offering 3 for £30 for all customers. Tell them you have cut back. I get Internet, Land line (excluding calls) and mobile phone for £30 a month and I have been with them for about 7 years and even moved property. So they are telling porkies.

I would get on https://www.entitledto.com and see what you can get.

Council tax and water can be paid over 12 months not 10 so that will bring down the monthly amount a bit. Also a water meter might be better. As I pay about £90 every 6 months for my water for two adults in a 3 bed house.

But claim for everything you can.

Also get your Ex to cough up be it between yourself or via the CSA.

All the best and try and keep your chin up.

Yours


Calley

newlywed

TotalFreak wrote: »

will have a look at the payplan website ( thanks)

CCCS are the ones you can do via website.

Payplan ask you to phone them and want to do everything on the phone.

So if you are hesitant to phone then go to https://www.cccs.co.uk and fill out the debt remedy

floss2

You should get 25% off your council tax just by being on your own.
I take it that you have no gas?
Can you do internet shopping with your gran's list & yours, to save a little petrol?
Also, look on the Old Style board for money saving housekeeping ideas.
:wave:

Tashja

You could also start getting yu bank statements together to see what charges you could claim. I know things are a bit up in the air with the charges but no harm in getting the statements and sending the letters !!

Not going to help in the short term but hopefully you will get the charges back at some point in the future and this could then clear some of the debt.

T xx

lynzpower

Am i right in thinking that you have all the debt in your name- is ANY of it in joint names?

rayday2

If you don't want to talk to anyone you can do a DMP on your own and use the national debthelplines website they have letter templates and payment calculators.

Several of us do it so if you are stuck we can help out, I personally prefer it because I am a control freak I would not sleep relaying on someone else to do it, but the support on here as helped enormously.

The CCCS seem really approachable they post on here quite a bit, whatever you choose you are not alone.

Sarahsaver

When my ex went I was better off NOT working as then I got free school meals, milk tokens, council tax benefit etc. Gets some peoples backs up but thats the way the system is.
Briefly looking at your SOA this is what I would do...
get your council tax reduced to single persons rate
it it poss to walk to school?
Also work out how much it costs you to go to work - you may be surprised!
SHift the debts onto the lowest interest rate of all the accounts you already have.
Ditch the virgin media package (only tv would have you paying that much) and get a freeview box.
See if you can get a cheaper mortgage, also get a quote for home insurance - mine HALVED by switching supplier.
I would ditch the car - internet shopping is the way to go!
Do you HAVE to sell the house? do not make any rash decisions at a stressful time like this.
By all means pursue the ex for maintenance, but do not rely on it.

Most of all, take it easy;) and good luck

nzmegs

Avoid selling your house at any cost. It is your one and only asset and you will have trouble getting a mortgage in the future. Your mortgage payments are low at the moment so try and make them a priority. Perhaps consider getting a lodger if you have the space to help out with paying for the house.
If you decide to continue working can you do any extra hours? Have you got help with your daughter to allow you to do this?
I got lumbered with debt from my ex years ago and it really makes you so angry. make sure you ask about if any of it can be passed over to him (ie if anything was in joint names etc)
Best of luck!

TotalFreak

Hi,

Been on to virgin media canceled my tv and phone saving me £57.00 per month:j had to keep the broad band but shall be looking around for deals

Also called halifax about my morgage, extended the term to 25 years saving me £80.00 per month :j

Finished my inputting on the cccs website and im finally sorting out the mess im in.

Thanks very much for the input:beer:

I have a long way to go........but today is the first day ive smiled for a long time (thanks for that total strangers!!!!:rotfl: )