Case Conference - Rental Arrears with Council

Nala89

Thanks EH, here it is:-

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1711
Partners monthly income after tax....... 782.6
Benefits................................ 328.17
Other income............................ 0
Total monthly income.................... 2821.77

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 301 (Brighthouse (a phone) and my car)
Rent.................................... 292.44 (normal payment, was paying £350, now need to pay full balance of £916)
Management charge (leasehold property).. 0
Council tax............................. 101 (normal payment, In arrears, paying £156 in total)
Electricity............................. 85
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0 included in Council Tax (Scotland)
Telephone (land line)................... 0
Mobile phone............................ 17.5
TV Licence.............................. 0
Satellite/Cable TV...................... 108
Internet Services....................... 0
Groceries etc. ......................... 195
Clothing................................ 0
Petrol/diesel........................... 130
Road tax................................ 6
Car Insurance........................... 55
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 130 Wife taxi's to work, I pick her up
Childcare/nursery....................... 65 Bro in law babysits while we are at work
Other child related expenses............ 55 Clubs
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 67 An average over the year
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 240 2 booked, 1 my honeymoon, the other a family holiday
Emergency fund.......................... 0
Total monthly expenses.................. 1902.94


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 676......(86).......0<
Car HP.........................4181.....(215)......0 In arrears, agreed to be 260 until December, where offer has to go up (£732 in arrears)
Total secured & HP debts...... 4857......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Lowell (Cap 1).................234.......5.........0
Vanquis........................607.......0.........0
Conexus .......................256.......6.........0
Clearpay.......................173.......86.5......0
Klarna.........................240.......240.......0
Walker Love....................1262......50........0
CRS............................32.8......5.47......0
Lantern (WDA)..................456.8.....2.5.......0
Cabot..........................392.8.....6.........0
Lowell (Three).................526.76....5.........0
Lowell (Very)..................229.......5.........0
Lowell (O2)....................1094......5.........0
Lowell (Voda)..................313.3.....1.........0
Provident......................273.......0.........0
My Jar ........................173.......0.........0
Lantern (sunny)................471.......2.5.......0
Total unsecured debts..........6734.46...419.97....-
ALL INTEREST FROZEN


Monthly Budget Summary
Total monthly income.................... 2,821.77
Expenses (including HP & secured debts). 1,902.94
Available for debt repayments........... 918.83
Monthly UNsecured debt repayments....... 419.97
Amount left after debt repayments....... 498.86

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -4,857
Total Unsecured debt.................... -6,734.46
Net Assets.............................. -11,591.46
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Issues started when my wife, then girlfriend, lost her job due to the company going bust. Anxiety then settled in and she found it really difficult just to leave the house so I was holding the fort by myself for a while, taking out silly payday loans, which caught up with me in a big way. My wife, in the last year, has just got a job, doing amazingly well in it and the anxiety is away now.

I was on my way to tying to sort all the mess above but this rent problem has hit us for six, and been a massive blow.

Thanks again for being interested and trying to help!

MallyGirl

£108 for satellite and cable is a luxury, not a necessity. I would give them a call and see if you can cancel or downgrade.
Presents need to be cut right back till you are in a better place.
Holidays are also a luxury that you can't afford right now.
Car is not listed as an asset

Kentish_Dave

Brighthouse, expensive phone, taxis, a huge Sky package, it’s not hard to see why you are in trouble, and putting a television package ahead of the roof over your children’s heads is not a decision that I can really understand.

If you can sell the phone, cancel Sky, buy a bicycle instead of paying for Taxis and never go to Brighthouse ever again then you’ll be very well on the way to financial happiness and security.

WhenIam64

Instead of looking at the rent arrears in isolation, why not consider your total situation. Have a word with a local debt charity.

See Shelter on this

https://scotland.shelter.org.uk/get_advice/advice_topics/paying_for_a_home/rent_arrears/debt_arrangement_scheme_and_rent_arrears

Suspect the Council have latched onto this

I have managed to raise £1000 from family which has been a life saver. I'd say if you are in any trouble, speak to your family. They were more angry that I didn't mention it to them until this point!

Nala89

MallyGirl wrote: »

£108 for satellite and cable is a luxury, not a necessity. I would give them a call and see if you can cancel or downgrade.
Presents need to be cut right back till you are in a better place.
Holidays are also a luxury that you can't afford right now.
Car is not listed as an asset

Thanks MG.

The Virgin TV can go, the kids watch you tube more than the tv for their shows anyway, My wife and I watch netflix together at night after work or at the weekend so certainly won't be missed. I had it for my football but at the end of the day, I'd prefer to have a roof over my head and miss some football....

Presents will go down, our kids only at for christmas, no adults and only close family for kids.

Holidays, one of them I'm 3 payments away from paying for it, the other I can speak to my wife and discuss cancelling it. That would wipe out 2/3 of the outgoings for holidays.

I hadn't listed the car as an asset as it's technically still the finance company's? Is this wrong?

Nala89

Kentish_Dave wrote: »

Brighthouse, expensive phone, taxis, a huge Sky package, it’s not hard to see why you are in trouble, and putting a television package ahead of the roof over your children’s heads is not a decision that I can really understand.

If you can sell the phone, cancel Sky, buy a bicycle instead of paying for Taxis and never go to Brighthouse ever again then you’ll be very well on the way to financial happiness and security.

Thanks Dave.

Looking into the Brighthouse issue, I can actually return the phone and that's that. (will double check this). A waste over the last 9 months but a lesson learned and I will stay away.

See above regarding my plan with Virgin. I was sleepwalking looking at everything on it's own instead of looking at the bigger picture, I feel so stupid for not realising!

The Taxi's I think are just going to have to be accepted as a cost in my wife getting to work, for now. Her boss is talking about moving to a more accessible town, where trains or buses could come into play, that would cut these costs easily.

Nala89

WhenIam64 wrote: »

Instead of looking at the rent arrears in isolation, why not consider your total situation. Have a word with a local debt charity.

See Shelter on this



Suspect the Council have latched onto this

Thanks Whenlam.

The annoying thing is, in good faith I raised that money with my family to lower that amount back to what I could pay over the six months! The guy I spoke to at the council understood and said it would help my case to pay that bulk figure towards the debt! It's really frustrating but looks like I need to take the hit, explain to other bills whats going on and hopefully recover from all this by taking advise from the helpful people on this forum and some hard work on our part.

Unicorn_cottage

Hi Nala

You need to put the amounts you are paying now like car HP so you get a true picture of how your finances are working. How long is the debt frozen on your unsecured debts?

Nala89

Unicorn_cottage wrote: »

Hi Nala

You need to put the amounts you are paying now like car HP so you get a true picture of how your finances are working. How long is the debt frozen on your unsecured debts?

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1711
Partners monthly income after tax....... 782.6
Benefits................................ 328.17
Other income............................ 0
Total monthly income.................... 2821.77

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 346
Rent.................................... 916
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 85
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 17.5
TV Licence.............................. 0
Satellite/Cable TV...................... 108
Internet Services....................... 0
Groceries etc. ......................... 195
Clothing................................ 0
Petrol/diesel........................... 130
Road tax................................ 6
Car Insurance........................... 55
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 130
Childcare/nursery....................... 65
Other child related expenses............ 55
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 65
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 240
Emergency fund.......................... 0
Total monthly expenses.................. 2624.5


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 676......(86).......0<
Car............................4181.....(260)......0
Total secured & HP debts...... 4857......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Lowell (Cap 1..................234.......5.........0
Vanquis........................607.......0.........0
Conexus........................256.......6.........0
Lantern (sunny)................471.......2.5.......0
My Jar.........................173.......0.........0
Provident......................273.......0.........0
Lowell (Voda)..................313.3.....1.........0
Lowell (O2)....................1094......5.........0
Lowell (Very)..................229.......5.........0
Lowell (Three).................526.76....5.........0
Cabot..........................392.8.....6.........0
Lantern (WDA)..................456.8.....2.5.......0
CRS............................32.8......5.47......0
Walker Love....................1262......50........0
Klarna.........................240.......240.......0
Clearpay.......................173.......86.5......0
Total unsecured debts..........6734.46...419.97....-


Monthly Budget Summary
Total monthly income.................... 2,821.77
Expenses (including HP & secured debts). 2,624.5
Available for debt repayments........... 197.27
Monthly UNsecured debt repayments....... 419.97
Amount short for making debt repayments. -222.7

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -4,857
Total Unsecured debt.................... -6,734.46
Net Assets.............................. -11,591.46

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Unicorn_cottage

You have borrowed a £1000 to pay back the rent deficit. Has this been done? Have you cancelled your TV package? Does the tv package include your Netflix subscription?