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Hel!! My Debts Need advice

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Comments

  • postingalwaysposting
    postingalwaysposting Posts: 13,987 Forumite
    Total Income (till March) - £1013.00
    Total Income (after march) - £632.68
    We get extra £380.32 every 4 weeks as we have paid 6 months rent upfront on our home

    soa ~

    £150 ~ Food
    £20 ~ Gas
    £20 ~ Electric
    £16 ~ Water
    £35 ~ Mobile
    £10 ~ Ciggaretes
    £112 ~ Nursery
    £28 ~ Max weting bed
    £252 ~ Your ciggs 'I smoke about 30 a day so i buy 40 a day at around £9 a day'
    £10 ~ Provident

    total = £653.00
    before march left ~ £360.00
    after march left -£20.32
    ~~~~~~~~~~~~~

    Debts ~

    £250 ~ Moorcroft Debt agency
    £400.00 ~ Next
    £175.40 ~ Virgin Media
    £237.94 ~ My OH Littlewoods
    £499.72 ~ Capital one card
    £326.81 ~ Pauls OD
    £300 ~ Provident
    £700 ~ My Overdraft
    £139.16 ~ My Littlewoods
    £70 ~ Mobile Phone

    i have 'sorted your posts a little. The only debt you say about paying monthly are provident so i have that in the soa. Can you update this post with apr's on your debts and any figures that have changed?
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    We moved to this house in september and we paid 6months rent upfront so at the mo i do not pay rent as its already been paid for...in march when the 6 months r up ..i will have to start paying rent. My mum gave me the money upfront for rent and it was part of my inheritance so i am claiming it bk in housing benifit..only one reason for that..so i can get some of my inheritance back if you get me. and pay off my bills so every 4 weeks we get 370.oo
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
  • Keeping_Motivated
    Keeping_Motivated Posts: 3,653 Forumite
    Part of the Furniture
    Yes I agree with I.A to contact payplan or CCCS so you can gain more control of your situation. Just facing up to the debt as you have is a start to gaining control but so many people on here are relieved once they speak to payplan or CCCS so may be worth a look into?
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    i do not know any apr's hwo do i find this out?
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    what is payplan?
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
  • postingalwaysposting
    postingalwaysposting Posts: 13,987 Forumite
    mumzyof2 wrote: »
    i do not know any apr's hwo do i find this out?

    phone the companies involved or look on your statements etc, its no good paying something off if its 15% when something is incurring 35% :rolleyes: also you have things 'missing' form your soa, home phone/internet, clothes, xmas/birthdays?
  • tigtag02
    tigtag02 Posts: 6,857 Forumite
    Part of the Furniture Combo Breaker
    mumzyof2 wrote: »
    We moved to this house in september and we paid 6months rent upfront so at the mo i do not pay rent as its already been paid for...in march when the 6 months r up ..i will have to start paying rent. My mum gave me the money upfront for rent and it was part of my inheritance so i am claiming it bk in housing benifit..only one reason for that..so i can get some of my inheritance back if you get me. and pay off my bills so every 4 weeks we get 370.oo

    You need to be careful here - technically this is fraud.
    :heartpuls baby no3 due 16th November :heartpuls
    TEAM YELLOW
    DFD 16/6/10
    "Shut your gob! Or I'll come round your houses and stamp on all your toys" The ONE, the ONLY, the LEGENDARY Gene Hunt :heart2:
  • postingalwaysposting
    postingalwaysposting Posts: 13,987 Forumite
    mumzyof2 wrote: »
    what is payplan?

    http://www.payplan.com/ ~ a free debt management company
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    it is not fraud! I told the housing office and they said it is fine!
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    i just had a look at payplan what do i do?
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
This discussion has been closed.
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