additions taking me to court....help please

magoogy

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angelavdavis

What is the debt for?
Is it definitely your debt?
How long has it been outstanding?
Have you made any attempt to make payments?
What other correspondence have you received?

In_Search_Of_Me

A bit more info needed I think to help people help you;
Do you owe the money?
How much is the money & do you have it?
How old is the debt?
Not sure if you've posted your SOA or whether you are experiencing difficulties generally? The DFW bunch are an innovative lot & incredibly we manage to pay off vast sums between us despite actually having no money so you're in good company. Try not to panic (although I know its hard - I had a sim letter from powergen last year - on Christmas eve havin not received a single letter requesting payment & it made me feel physically sick!)! Hugs for you!

magoogy

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Intergalactic_Floozie

Bump, this seems to have disappeared onto page 4 despite an SOA

Alisonbel

Why don't you do your grocery shopping online? would save £10 taxi, might cut it down weekly cost as you may be able to plan more. Would you be able to you this as your "shopping fix"? Is Virgin media really £100?

RAS

Hi, you need to work in weeks or months and since you have to pay some things money, calculate it all that way.

We cannot really help until we understand things.

Incoming
£ 903 a week altogether (carer's, child ben and income support)
£245 a month d.l.a

£1168 total

Outgoing

£86 a month gas/elec tokens
£8 water - per week or per month?
£80 food, toiletries, etc for family of four - Ditto?
£10 taxi to do shopping - Ditto?
£40 top up shopping for freezer to last us Ditto?


£16 life insurance - per week or per month?
£10 house insurance - per week or per month?
£12 tv licence per month
£100 virgin media - per week or per month?
£6 papers - per week or per month?

£6 partner for when at physio - drink, meal, paper, etc - per week or per month? Can you give him a pack up and flask?

£5 washer hp - per week or per month
£5 fridge hp - per week or per month
£60 provident - APR on this? - per week or per month
£60 overdraft and loan to bank - per week or per month

Other debts - can you list them with total debt, minimum payment and APR each month?

Catalogue
Catalogue
Catalogue
Catalogue
Catalogue
Catalogue

Any rent or CT to pay?

itsnever2lateisit?

Could you break down the Virgin Media £100 into its different parts

TV
Broadband
Phone

I think I could find you some savings here without you losing any functionality

magoogy

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magoogy

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fast_track

Is additions a catalogue? If they are then they have no intention of taking you to court. Catalogues do not ask you to sign a credit agreement before you buy goods. Without a signed credit agreement the debt is unenforceable through the courts - although since April this year new catalogue debts can be enforced although the company have to ask the court's permission before they can enforce. This letter just sounds like a frightener to me