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Domestic Violence and Financial Abuse - left with £000's worth of debt
Comments
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sounds like you actually paid for most of his "stuff" anyway @downandoutagain1
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some of it yes, but the rest is his, that he has just moved from house to house to houseFlugelhorn said:sounds like you actually paid for most of his "stuff" anyway @downandoutagain2 -
here it is..... and it looks horrible[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]Household Information[/b]Number of adults in household........... 2Number of children in household.........Number of cars owned.................... [b]Monthly Income Details[/b]Monthly income after tax................ 2400Partners monthly income after tax....... 0Benefits................................ 0Other income............................ 0[b]Total monthly income.................... 2400[/b][b]Monthly Expense Details[/b]Mortgage................................ 868Secured/HP loan repayments.............. 0Rent.................................... 0Management charge (leasehold property).. 10Council tax............................. 250Electricity............................. 65Gas..................................... 40Oil..................................... 0Water rates............................. 55Telephone (land line)................... 0Mobile phone............................ 124TV Licence.............................. 13.25Satellite/Cable TV...................... 50Internet Services....................... 50Groceries etc. ......................... 120Clothing................................ 0Petrol/diesel........................... 350Road tax................................ 0Car Insurance........................... 33.93Car maintenance (including MOT)......... 0Car parking............................. 60Other travel............................ 0Childcare/nursery....................... 0Other child related expenses............ 0Medical (prescriptions, dentist etc).... 20Pet insurance/vet bills................. 0Buildings insurance..................... 19Contents insurance...................... 0Life assurance ......................... 0Other insurance......................... 0Presents (birthday, christmas etc)...... 0Haircuts................................ 0Entertainment........................... 25Holiday................................. 0Emergency fund.......................... 0[b]Total monthly expenses.................. 2153.18[/b][b]Assets[/b]Cash.................................... 0House value (Gross)..................... 310000Shares and bonds........................ 0Car(s).................................. 0Other assets............................ 0[b]Total Assets............................ 310000[/b][b]Secured & HP Debts[/b]Description....................Debt......Monthly...APRMortgage...................... 212000...(868)......0[b]Total secured & HP debts...... 212000....-.........- [/b][b]Unsecured Debts[/b]Description....................Debt......Monthly...APRLloyds / Link (o/d)............1093......0.........0HSBC (c/c).....................5074......0.........0Lloyds / Link (o/d)............1627......0.........0HMRC CTC (o/p).................458.......0.........0HMRC CTC (o/p).................4500......0.........0Council Tax ...................1200......0.........0people Energy .................1200......0.........0Tesco (c/c)....................3959......0.........0Next Directory.................2393......0.........0Vanquis........................3922......0.........0barclaycard (PRA)..............3828......5.........0MBNA (cc) Link.................8086......0.........0nationwide loan ...............6040......0.........0barclaycard (PRA)..............693.......5.........0Lloyds / Link (c/c)............2406......0.........0Lloyds / Link (loan)...........9155......0.........0Lloyds / Link (loan)...........4753......0.........0[b]Total unsecured debts..........60387.....10........- [/b][b]Monthly Budget Summary[/b]Total monthly income.................... 2,400Expenses (including HP & secured debts). 2,153.18Available for debt repayments........... 246.82Monthly UNsecured debt repayments....... 10[b]Amount left after debt repayments....... 236.82[/b][b]Personal Balance Sheet Summary[/b]Total assets (things you own)........... 310,000Total HP & Secured debt................. -212,000Total Unsecured debt.................... -60,387[b]Net Assets.............................. 37,613[/b][i]Created using the SOA calculator at www.stoozing.com.Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]0
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Great You have managed it.
A quick question, the other adult in the household, are they dependent on you? or are they non dependent?If you go down to the woods today you better not go alone.1 -
What are your contracted monthly repayments on your debts ?
More than the £236 you have available I'm guessing.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Did all the loan payments actually get paid into yours or his bank accounts?Is his name on any of the loan documents at all?Looking at mobile phones, the monthly amount is high. Does 'he' have a phone you are paying for? If so, contact the provider get the phone send SIM blocked. You may not be able to get out of paying the bill but you stop him running up debts on the account and using a phone you paid for.When the contract ends, you should consider changing to SIM only for a while.May you find your sister soon Helli.
Sleep well.1 -
my daughter - 19yrs old, she is studying a degree at home, didnt want to go to halls due to all that has happened at homeGrumpelstiltskin said:Great You have managed it.
A quick question, the other adult in the household, are they dependent on you? or are they non dependent?2 -
the contracted payments were £00's, i took payment holidays and then things took a turn for the worse and i couldn't make the payments, this was due to the emotional abuse and violence at home. couldnt think straightsourcrates said:What are your contracted monthly repayments on your debts ?
More than the £236 you have available I'm guessing.0 -
my bill is £45, my daughter has her phone and watch, she pays for it, and i still have a year to go on the contract, but the contracts all in my name as she isnt old enough and pays for it from her student financeTripleH said:Did all the loan payments actually get paid into yours or his bank accounts?Is his name on any of the loan documents at all?Looking at mobile phones, the monthly amount is high. Does 'he' have a phone you are paying for? If so, contact the provider get the phone send SIM blocked. You may not be able to get out of paying the bill but you stop him running up debts on the account and using a phone you paid for.When the contract ends, you should consider changing to SIM only for a while.
the loans were all in my name, and paid into my bank account. he was very smart like that, refused to have joint bank account etc. just gotr me to transfer money to him and pay his bills etc0 -
as you can see, this man has made my financial life HELL. i have spent a year trying to get my head in a space where I can deal with this an even look at it, and looking at it here it makes me feel sick that he did this. even if he had paid his way it would have helped me to just make ends meet.0
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