Debt pushing me over EDGE?

oxfordlad

Iam at my wits end. dont know where to turn or what else i can do.
every time there knock at the door my hart stops, it takes friends and family to have to txt me to let me know they are at the door.
Been to CAB debt managetment all tell me same thing, I have no spare money to offer anthing to my creditors!! have written to them all to explain till I am blue in the face but they just wont listen!

get back from town today find letter from POWER TO CONTACT saying they been instructed by thier client (carphone warehouse) to - VISIT MY ADDRESS TO COLLECT THE ABOVE DEBT!
AS i have made this action necessary as i have ignored all thier requsts to contact them! but thats not true have spoke on phone and sent letters!! but they just ignore my plea. should i wish to avoid the course of action i must contact them WITH IN 72 HRS. WHICH I DID TONIGHT and again all the guy would say was when do you get paid?? i explained i dont have enough money to pay! to be told "well your working so when do you get paid?" buy this time i lost it and slammed the phone down.
my menatl health is not good am all ready under ther doctor and i feel like what is the point???
its not all my fault i am in this mess as i have had few medical problems and had my working hours cut. when my bosses found out they were going to fire me but instead cut my hours to 36 a week!!! i i just dont get a minute to breath i dont see lights at end of any tunnle. just lots of pain upon pain upon pain, sorry i cant see through the tears any more.

Monthly Incomings:

My salary - £1,000.00

Housing Benefit - £2.50

Total - £1,002.50

Monthly Outgoings:

/Rent /water- £500 COUPLE WEEKS BEHIND
Council Tax - £120.00 2MONTHS IN ARREAS
Gas - £36
Electric - £44
TV License - £11.61
Sky £21.00
Phone - £35.00
Food - £140.00
Car /petrol/insurance - £120.00 (not car tax/repairs or mot)
house insurance £16.50
pet insurance £14.50
prescription/health cost. £15.00
clothing.haircut. £20.00

Total: £1,093.61
- £1,002.50
= -£91.11 short. AGAIN THIS MONTH


DEBT
HSC £20,000 INTEREST ADDED GOD KNOW HOW MUCH
BARCLYCARD £3,181.53 NO CHARGES ADDED
CAPITAL ONE £600 NO CHARGES ADDED
KAYS £237.47
jD WILLIAMS £171.08
CARPHONE WAREHOUSE £105.49
OVERDREAFT £1,300
ABEY CURRENT ACCOUNT £200+ CHARGES BEING ADDED

TOTAL £25,095.57P

monkey22_2

Hi Oxfordlad,

Just wanted to send you a big:grouphug: .
You sound so down but I want you not to panic (easier said than done I know). There'll be loads of advice for you soon and you'll be so glad you posted on here - you will see that light at the end of the tunnel.

I haven't looked properly at your SOA yet but I would definitely advise you to call CCCS or Payplan ,ASAP they're both really really helpful.

Keep posting - you'll be amazed how much help there is on here.

RAS

We have got two threads going here.

http://forums.moneysavingexpert.com/showthread.html?t=741721

thriftymoo

monkey22 wrote: »

Hi Oxfordlad,

Just wanted to send you a big:grouphug: .
.

Hi

Just wanted to second that!!

I know kinda how your feeling right now and these guys have helped me no end. I was suffering from bad depression when i had my lightbulb moment and got help with my debts. I started with a similar amount to you with the same salary in april last year and ive got it down by nearly £10k. I went to the CCCS for advice who were brilliant and helped me get out of what seemed like an impossible situation! they will look at what you earn.. give you advice on you debts amounts and then if possible set you up on a debt management plan where they will agree lower payments with your creditors. Theyve also frozen the interest on most of my debt! dont worry they will leave you enough money to live with too!

Have yourself a scout around this forum when you get a chance and you'll find ways of bringing in some extra income too, often from ways you would never think of lol!

Hopes this helps you in some way

Lys :A

dgwebster

Hi Oxfordlad,

to repeat the previous post, I know how hard it is to find that light, even now i feel like im getting somewhere then are kicked back down by something else, but it has taken me 7 years to improve myself to this state.

If your debt is seriously in trouble with no chance of paying it back and reaching agreement you need to enlist the support and help of a free supporter as advised before.

However there are many other ways you can help yourself, by making what Martin calls painful savings.

Your Sky and phone are costing £56 a month - I have virgin 3 for £30 - granted not as good as sky, but its a start. soon i may be moving to freeview only to make further saving. even look into moving into a bundle.

Enter your phone no or postcode here:

http://www.samknows.com/broadband/checker2.php

this site will let you know what companies have unbundled your local exchange and may be able to offer tv/phone/internet for alot less per month.

Im on just over £1000 a month, my partner is on statuatory maternity pay and we get £20 a week child tax credit no housing benefit or council benefit etc. As a result i have not spent a penny on hair cuts or clothes in nearly a year.

get onto comparison sites to find cheaper pet insurance. or better still, if you dont expect any vet bills soon and are unlikely to (e.g. indoors cat, not a dog etc) put the money into a savings account instead.

its not easy and alot of the ways to get your account in the right end is painful. but once done the conscious is good.

even if planning to go down the bankruptcy/IFA style route (not sure on the exact options in england) i'd personally say going through martins budget planner and making those cuts may be better for your health anyway and prevent the situation occurring again

oxfordlad

Hello Am sorry Have no idea how I managed to get 2 threads up and running? sorry for any confusion.
Thanks every one for all the help, and support you have given, going take me a while but will take all comments on board.
once i have learned how to get round the site.
big Thanks again to every one. think be 1st time i will sleep better tonight.