newbie saying hi and having a rant.....

munchkin1984

hey everyone, im new to all this so thought id say hi to you all and let you know my situation.
ill try not to bore you to much!

well im 23 and and have recently split with my partner of 6 yrs. when we were together we got credit cards, and loans as life was a struggle and thats the easy way out huh..well so we thought at the time. my partners credit score wasnt to special so of course i got the loans and cards in my name (silly i know now) well now we have split he pays half the loan and promised he'd help pay for the cred card but as yet ive seen no money and its been 6 months..
since he's left im workin all the hours god sends justs to pay bills and then the lovely bank whacks charges on me nearlly every month for goin overdrawn iam currently tryin to get my charges back!
anyway ive been lookin into doin a debt management scheme and as i dont really have anyone to talk to about this was just wondering if anyone could give me some tips and let me know if this would be such a good idea???

hope your still awake

thanks for reading!

WesternExpress

Am not good at detailed advice, just wanted to say don't fret, just get a list of your outgoings and income so people can help.

floss2

If you post your SOA (statement of affairs), a list of income & outgoings with your debts & APR's then we can take a look & maybe help you sort everything out.

Go graba cup of tea, gather your bits of paper & we'll see you in a bit!

Good luck, & welcome to MSE :wave:

Floss x

munchkin1984

thank you..
so here goes
my monthly income is approx £750

lloyds tsb loan 1 £7872.90
lloyds tsb loan 2 £2752.86
capital one £200
simply be £700

outgoings per month
loan 1 £127
loan 2 £75
rent £235
oil £50
electric £30
petrol £40
car insurance £32.15
home insurance £20.67
mobile phone £40
phone/broadband £40
tv licence £11.37
council tax £43

chevalier

Hi there your outgoings total £744.19

but there is nothing on there for food, car tax, mot, birthdays, haircuts, prescriptions etc, so I am guessing that you are still getting in deeper into debt.

The thing that stands out is your income. Could you get a second job, ebay everything that isn't nailed down, do mystery shopping etc? Or could you get a better paid main job?

Is you ex not paying anything, or is he paying the loan amount? You need to chase him for this if he isn't.

chev

munchkin1984

hey ... yeh iam gettin more and more in trouble as u can see from expenditure that doesnt include capital one or simply be as i just dont have the money to pay them. im lookin into gettin a part time job to help out a little.. my ex does pay half of one loan but i got another loan to pay off credit card and im still waiting for him to help me with that... im not holding my breath...
thank u for your reply.

miss_corerupted

has our ex oh signed anything? or are you going to have to nag him to start paying his share??

My ex 'borrowef' a lot of money off me when we were going ou £10k (hangs head in shame. And i can't get a penny out of him, so i've just had to write it off and pay it myself, it's worth it not to ever have to speak or see the worthless piece of **** again

Shineyhappy

Have you got anything in writing or an email from the exs in question admitting to owing this money? If so I would imagine you could take them to a small claims court to try and get the money back.

munchkin1984

hey he signed for the loan that hes helpin me pay, but as for the other cred card and loan he didnt sign anythin i just got them in my name as he couldnt so its my fault i guess!!

Shineyhappy

No just get him to admit that he owes you money in writing and that should be enough proof for the court especially if you have bank records of the money going from your account to his on that the credit card/loan was paid into his account.

munchkin1984

he admits to oweing it just doesnt wanna pay it... its my debt too id just like him to help... the thing that annoys me so much is that hes got off scot free really not a penny debt to his name!