dmp help

glentoran99

tkell wrote: »

Statement of Affairs

income : 1940 (2127 - 234 pension)

Expenditure (monthly):
Rent: 450
Secured Loan from ireland: £100
water: 10
gas 50
electric 50
council tax 40
court fine : 472 (set up to pay 80 a month for six months - then the money will go towards DMP)
Phone: £70 - contacting vodafone to see if i can go on a cheaper plan)
Internet: £16
Satellite £20
Tv licence: 8
Car service £33
road tax £2
car insurance £165 - likely to go up as court gave me 5 penalty points (i missed FPN notice deadline. Paid fine on time but was late sending my licence and court gave me 472 fine and 5 points)
Fuel 80
Public Transport 20
Food toilitries 200
Tobacco 60
Clothing 20
Hairdressing 20
union fees 27
sports hobbies entertainment 40
sundries 10


Unsecured debt:
safety net 653.80
piggy bank :479.52
CRS (formerly lending stream ) 751.84
Llyods overdraft 4600
mr lender 230.40
quick quid 758.40
wonga 436
barclay CC 253.97
capital one CC 200

DMP ARRANGEMENT: 369 A MONTH ( INC BY 80 once my court fine is paid in 6 months). debt free in 1 year 8 months

Your outgoings add up to around 1400, where is the rest going?

tkell

It comes to 1,551 leaving me with £389 left over. My DMP is for £369. Think ive left out £20 somewhere in those bills.

tkell

I have four loans with lending stream, three were due yesterday. I contacted them about DMP and they passed the debt to CRS and said they would stop CPA and cease collecting for 30 days. Today however i got three default notices for £15 each. I emailed them again saying i was arranging dmp with stepchange and gave ref no, offered token payment again and asked them to remove default fines and ask them to hold account for 30 days and freeze interest. Anything else i can do?

glentoran99

tkell wrote: »

It comes to 1,551 leaving me with £389 left over. My DMP is for £369. Think ive left out £20 somewhere in those bills.

apologies I must have missed something in my calculations