My Income And Expenditure Help!!

Keeping_Positive

Can you renegotiate the tax overpayment and Social fund repayment? Send them the SOA to show you really can afford what you are paying.

System

wendy24g wrote: »

Can you renegotiate the tax overpayment and Social fund repayment? Send them the SOA to show you really can afford what you are paying.

Tax Credits you must be joking:rotfl: This is a good one, we where originally paying £80, we phoned them up in September say "Look we are having difficulty" etc etc, they said ok, We'll give you a review, they went through it and bloody put it up to £100:mad: :mad: I said I thought you where going to help us, the pratt says "Thats what happens with reviews,it either goes for or against you"

Social fund ends next week:T

vandanfc

nirelandguy wrote: »

Trying BT won't let us out of contract until November, the calls aren't actually that expensive its the line rental thats the killer, as for food its for 2 adults and 2 children.


Line rental on the mainland is only £12 per month, if this is what you are paying then your calls are costing you £28 per month, this figure can definitely be reduced very dramatically with a prefix dialer (assuming they are available to you). Are you on the cheapest Sky package ? If not can you reduce. Can you get Broadband via Sky ? This could be cheaper than the amount you are paying now.

They are individually only small savings, but added together could save you £30/£40 per month. If you also tried to cut the food budget then you could save in total maybe £100 a month, which would at least be a start.

RAS

I know the English and Scottish situation but you could ask your local CCCS how it works in NI

The creditors are legally, obliged to provide you with a Consumer Credit Agreement within 12 working days, plus two days for postal delays. If they have not provided the information within that time-scale, then they can not enforce the agreement without getting a court order. At this point you stop paying.

If after another 30 days they still have not complied, then you tell them to bogoff.

System

vandanfc wrote: »

nirelandguy wrote: »

Trying BT won't let us out of contract until November, the calls aren't actually that expensive its the line rental thats the killer, as for food its for 2 adults and 2 children.


Line rental on the mainland is only £12 per month, if this is what you are paying then your calls are costing you £28 per month, this figure can definitely be reduced very dramatically with a prefix dialer (assuming they are available to you). Are you on the cheapest Sky package ? If not can you reduce. Can you get Broadband via Sky ? This could be cheaper than the amount you are paying now.

They are individually only small savings, but added together could save you £30/£40 per month. If you also tried to cut the food budget then you could save in total maybe £100 a month, which would at least be a start.

On Option 1 it may be that price, we have Option 3 as the other half thought it would be a good idea to get free calls at any time of day, also broadband is also with BT and again option 3

System

RAS wrote: »

I know the English and Scottish situation but you could ask your local CCCS how it works in NI

The creditors are legally, obliged to provide you with a Consumer Credit Agreement within 12 working days, plus two days for postal delays. If they have not provided the information within that time-scale, then they can not enforce the agreement without getting a court order. At this point you stop paying.

If after another 30 days they still have not complied, then you tell them to bogoff.

Hmmm Now I like the sound of this, Is there perhaps a template letter floating around? My debts have been sold on countless times, I am hoping the CCA has got lost or something

RAS

have alook at this thread

http://forums.moneysavingexpert.com/showthread.html?t=663341

You do need to check the situation in NI, as it may well be different and you need to quote the right act of parliament.

vandanfc

nirelandguy wrote: »

vandanfc wrote: »

On Option 1 it may be that price, we have Option 3 as the other half thought it would be a good idea to get free calls at any time of day, also broadband is also with BT and again option 3

I would suggest that both of these are reduced to Option 1 asap. Try to keep as many calls as possible to after 6 pm (view using the phone during the day as a luxury, to be done once in a blue moon) many call centres are now open until 8pm. Use a prefix dialler - this is the article : http://www.moneysavingexpert.com/phones/home-phone-calls

The basic broadband package should be fine as well.

If you start by cutting back on phone/broadband, give up smoking, cut food budget and clothing budget you should hopefully come up with about a £200 saving per month.

System

vandanfc wrote: »

nirelandguy wrote: »

I would suggest that both of these are reduced to Option 1 asap. Try to keep as many calls as possible to after 6 pm (view using the phone during the day as a luxury, to be done once in a blue moon) many call centres are now open until 8pm. Use a prefix dialler - this is the article : http://www.moneysavingexpert.com/phones/home-phone-calls

The basic broadband package should be fine as well.

If you start by cutting back on phone/broadband, give up smoking, cut food budget and clothing budget you should hopefully come up with about a £200 saving per month.

BT are just being akward not letting us reduce our package, and as for bband we can now get it free with Sky. But I am just hoping this CCA thing works out, How would I find out if these laws apply to Northern Ireland, This is a bit advanced for my local CAB, Anytime I ask them for advice I get the impression I actually know more than them

RAS

try a phone call tomorrow?

National Debtline - Website: National Debtline Telephone: 0808 808 4000, as the web-site only seems to refer to England, Scotland and Wales?