21 and in a mess! please help

boredofbeingathome

Well done you, i think the process takes a few days but if i were you i would check with the bank

hooty2001uk

okey dokey thank u

boredofbeingathome

how are things any way?

Sue-UU

Well done Andrew. It should all be very speedily processed and your DDs on their way before the 1st; but as boredofbeingathome says, ring A&L and get the clarification you need in order to give you peace of mind. All the very best, you're travelling that road well!! Sue.

hooty2001uk

Ok, hoping all goes to plan and the bank transfers my DD accordingly I am going to have another horrendous month(March)...as I have to make double payments and even triple payments on some for march...here goes with March SOA..

Income - 1400 (hopefully as did quite a bit of overtime)

Outgoings for March -

Rent 300
HSBC Loan 88.28
HSBC overpayment 110
Welcome Loan - 101.61
Mobile Phone - 286 (I know biggest mistake ever)
Littlewoods - 210
Insurance - 219.90 (this includes March Installment of 73.30)
Citroen - 363 (this include march Installment)
Car Tax - 65


Total = 1743.79 !!!!!!!!!!!

This doesnt include my food or petrol never mind social money or anything..

I also owe a friend £80!!!!!!

What the hell am I going to do!!! Once I have paid all these I will be back on track!!

hooty2001uk

just bumping x

joeblack066

hooty2001uk wrote: »

Ok, hoping all goes to plan and the bank transfers my DD accordingly I am going to have another horrendous month(March)...as I have to make double payments and even triple payments on some for march...here goes with March SOA..

Income - 1400 (hopefully as did quite a bit of overtime)

Outgoings for March -

Rent 300
HSBC Loan 88.28
HSBC overpayment 110
Welcome Loan - 101.61
Mobile Phone - 286 (I know biggest mistake ever) Sorry I have missed where this has come from??
Littlewoods - 210
Insurance - 219.90 (this includes March Installment of 73.30)
Citroen - 363 (this include march Installment)
Car Tax - 65


Total = 1743.79 !!!!!!!!!!!

This doesnt include my food or petrol never mind social money or anything..

I also owe a friend £80!!!!!!

What the hell am I going to do!!! Once I have paid all these I will be back on track!!

How far into the contract are you on the mobile? Could you swap to PAYG and reach an agreement with the Mobile Network to clear the bill gradually??

hooty2001uk

Missed Feb Payment and this is Feb and March combined icludes arrears

Andrew

Gemmzie

Can you pay less on some of those? Nearly £400+ is a massive shortfall to find in a month, don't think it's possible unless you have some very high value items you can sell.

boredofbeingathome

Hi Andrew, you need to ring up your creditors and offer lower payments for about three months. Now the difficulty here is going to be that you back it up with your soa's- you have a ltd income coming in. Don't be tempted to add on extra money which you have not yet earned, state it as is. Work out how much you need for your transport and food, lodgings etc. how much to pay back your friend and offer the payments on pro rata between them. Put it to them reasonably and if you dont wish to talk to them draw up a letter and post it asap. state on letter thats how you prefer correspondence as vitually impossible to get hold of you at moment due to restricted lab conditions on campus and uncertainty of message system.I think its going to be the only way at moment. Usually after three months they will revue and be aware you will accrue interest whilst this is going on. Hope it helps as i dont think you need the added pressure of extra repayments when you havent got the cash.