Totally new

EssexHebridean

Well a decent starting point will be to go through those letters. If people aren't hassling you, then right now I would call them low priority! (That is a bit of an over simplification in the grand scheme of things, but it's a good enough place to start, for you.) Then add in any additional stuff that is on the credit report. First off you want to create a list of all the amounts outstanding, what interest rates they are charging, and the required minimum payments. That then enables you to prioritise what needs targeting first. remember also there are several credit reference agencies, you need to look at all of them to get a proper picture of where you are at. 

fatbelly

When you go into an IVA there are specialist companies who buy those debts. You may find some of yours are now owned by new companies. I would ignore any letters pre-IVA and just start to collect those that are writing to you since it failed

theoretica

Abbey_D said:

I have done the SOA but I dont have that amount spare a month so I have no idea where it goes to be honest with you! 

That would be a good thing to tackle - you need good information to get out of this.  Can you work out where your money has been going by looking through a couple of months past bank statements and putting everything into one of the categories (and any more you need).  And going forward, note down absolutely every penny that goes out so you know exactly where it has gone.  

RAS

Of all the debts in there, the one that worries me is "Leeds City Council".

Is this Council Tax or rent?

If it's either, then you need to prioritise that and organise a repayment plan.

Anything that's got lowell or cabot against it do not make any further payments or acknowledgement of debt without coming back here for advice first.

Mean-time, you must get together the last few bank statement and work out where you are losing £20k per annum.

Does your partner have any other accounts or debt?

Abbey_D

RAS said:

Of all the debts in there, the one that worries me is "Leeds City Council".

Is this Council Tax or rent?

If it's either, then you need to prioritise that and organise a repayment plan.

Anything that's got lowell or cabot against it do not make any further payments or acknowledgement of debt without coming back here for advice first.

Mean-time, you must get together the last few bank statement and work out where you are losing £20k per annum.

Does your partner have any other accounts or debt?

This is council tax an old bill from my ex-partner but it is my name (long story) should i not be paying lowell?

fatbelly

Abbey_D said:

RAS said:

Of all the debts in there, the one that worries me is "Leeds City Council".

Is this Council Tax or rent?

If it's either, then you need to prioritise that and organise a repayment plan.

Anything that's got lowell or cabot against it do not make any further payments or acknowledgement of debt without coming back here for advice first.

Mean-time, you must get together the last few bank statement and work out where you are losing £20k per annum.

Does your partner have any other accounts or debt?

This is council tax an old bill from my ex-partner but it is my name (long story) should i not be paying lowell?

Lowell will definitely be non-priority.

Council Tax is a priority - as soon as they realise that you have lost the protection of your IVA, enforcement will recommence which is likely to mean bailiffs. You do need a payment plan on that one, unless your ex is paying it

Sncjw

It states you have 1900nfof debt repayments and then the same amount after debt repayments. Are you actually paying anything towards the debt which is not reflected on the soa so the spa makes it look like you hVe more 

RAS

Abbey_D said:

RAS said:

Of all the debts in there, the one that worries me is "Leeds City Council".

Is this Council Tax or rent?

If it's either, then you need to prioritise that and organise a repayment plan.

Anything that's got lowell or cabot against it do not make any further payments or acknowledgement of debt without coming back here for advice first.

This is council tax an old bill from my ex-partner but it is my name (long story) should i not be paying lowell?

Regardless of whose name the council tax bill was in, if you were living at the property at the time, you are both jointly and severally liable for the whole debt. This look like it covers 2-3 years. Were you living there at those dates?

And you've got nothing in your current SOA for Council tax. How much is it this year and are you up to date? If not, sort it.

If you don't pay lowell, they will send threatening letters. If you don't pay Council tax they send bailiffs.

Who add yet more fees which you can't afford. I doubt that they could take much if you've moved in with a new partner but proving stuff isn't yours and the hassle of stroppy blokes are things you might prefer not to deal with?

So number 1 priority sit down with your partner and work out where you are with rent, this year's Council tax, leccie, gas and electric plus water. Then agree a plan to pay off the old CT bill. They'll probably want it paid off over one year.

Anything with Lowell has been sold on, a lot won't even be on your credit record. Maybe they paid £50 for a £500 debt, mebbe a tenner. Stop paying until you've sorted out the CT bill.

If you've got a local debt advice organisation and you've not been keeping up to date with the paperwork, you could ask them to check the dates of the liability orders, amount payable and negotiate a payment plan. then you both need to make it an absolute priority.

Abbey_D

RAS said:

Abbey_D said:

RAS said:

Of all the debts in there, the one that worries me is "Leeds City Council".

Is this Council Tax or rent?

If it's either, then you need to prioritise that and organise a repayment plan.

Anything that's got lowell or cabot against it do not make any further payments or acknowledgement of debt without coming back here for advice first.

This is council tax an old bill from my ex-partner but it is my name (long story) should i not be paying lowell?

Regardless of whose name the council tax bill was in, if you were living at the property at the time, you are both jointly and severally liable for the whole debt. This look like it covers 2-3 years. Were you living there at those dates?

And you've got nothing in your current SOA for Council tax. How much is it this year and are you up to date? If not, sort it.

If you don't pay lowell, they will send threatening letters. If you don't pay Council tax they send bailiffs.

Who add yet more fees which you can't afford. I doubt that they could take much if you've moved in with a new partner but proving stuff isn't yours and the hassle of stroppy blokes are things you might prefer not to deal with?

So number 1 priority sit down with your partner and work out where you are with rent, this year's Council tax, leccie, gas and electric plus water. Then agree a plan to pay off the old CT bill. They'll probably want it paid off over one year.

Anything with Lowell has been sold on, a lot won't even be on your credit record. Maybe they paid £50 for a £500 debt, mebbe a tenner. Stop paying until you've sorted out the CT bill.

If you've got a local debt advice organisation and you've not been keeping up to date with the paperwork, you could ask them to check the dates of the liability orders, amount payable and negotiate a payment plan. then you both need to make it an absolute priority.

Thank you so much for this, it really helps a lot.
We are not currently paying anything towards the council tax etc as we were in an IVA the reason we stopped with the IVA was when started then reviewing it online and it turned out to not be the best company to be with etc and I didn't trust it after the reviews. I know something I should have looked into before hand.
I will be phoning the council tax today to make an arrangment. 

fatbelly

Is your IVA actually marked as terminated on the register?

https://www.insolvencydirect.bis.gov.uk/eiir/

If not, the council will not be wanting payment at this point and you have chance to sort out budgeting and maybe save a sum.