advice needed

cat_79

Hi all i desperatley need some advice to be honest compared with a lot of people my debt is not that high but most of mine is rent arrears its a very long story how it all came about but short version is i am single working mum of 2 had to go into homless families property rent there was 130 each week had lots of other debts including council tax which are now clear also n overpayment from a previous job anyway i am now nearly 3 grand in rent arrears and 1500 in water arrears i am doing my best to clear them but seem to be getting nowhere it is making me really ill i cant even get a loan to clear this as i keep being refused icould loose my home and i really dont know what to do

moneysavingmumofone

hi cat_79, sorry no advice but *hugs* its ridiculous the amount they charge for homeless accommodation:mad:

smashedbooboo

Hi chick, ok. I reaally think you need to get some advice from the CAB or one of the other debt counelling charities, I know you will be fretting tonight but please try not to now. You have come to the right place. You will get tons of support on here. There will be a lot more people who are more knowledgeable than me or moneysavingmum on here in the morning. Now you have made the step to get help and advice the best thing you can do now is go to bed and try and get a peaceful nights sleep. The lovely peeps on here will more than likely ask you to go into more detail tomorrow about your circumstances. This is only so they can give you the best advice and support. Honestly honey, please dont fret tonight now. Sending you huge hugs for now. If you get desperate to want to speak to someone tonight then all you need to do is type bump onto your thread, that way your thread will stay at the top of the list on first page. And anyone who is still up will see it.

cat_79

thank you so much you are both so nice im gonna try and get some sleep but will be back tomorrow once again thanks

mightymouse

Hi

Have a look at this for info and see if there is a similar Trust in your area.

http://www.ywct.org.uk/


I do know that your water bill can be paid in full if you qualify.

msmicawber

Hi cat. I know how difficult it is, and would second smashed's recommendation that you speak to the CAB. They'll be able to advise you whether you're getting everything you're entitled to (in the meantime, you can get a fairly good idea from https://www.entitledto.com), and how to clear your debts. You did the right thing in clearing the Council Tax debt as that can cause you terrible trouble.

Would you like to post a Statement of Affairs on here so that people can advise on any savings you can make in your current budget? It's usually a good place to start (and the CAB and debt agencies will advise you to do the same thing). See this link for assistance with this: http://forums.moneysavingexpert.com/showthread.html?t=107280

Best wishes.

MissEyre

Hi cat,

Hope you managed to get some sleep-I know it's really scary, but there are lots of lovely people here to support you, and some great organisations like the CAB who can give you advice too.

If you give them a call, keep us updated about how you get on, and when you are ready, post your SOA so we can help you see where you can make savings to pay off the arrears faster xxx

cat_79

Hi all thanks for all the advise here is my soa

Wages 905.00
C/B 120.00
WTC 240.00

TOTAL 1265.00

OUTGOING

RENT 270.00
RENT ARREARS 80.00
GAS 60.00
ELEC 60.00
WATER 50.00
TV LICENSE 20.00
DWP O/P 50.00
PHONE/BB 73.00
SCHOOL D 68.00
SKY 40.00 (4 MNTHS LEFT IN 12MNT CONTACT WILL THEN REDUCE)
CATALOGUE 70.00
COUNCIL TAX 62.00
FOOD 260.00
GYM 20.00
CHILDCARE 80.00
TOTAL 1183.00

GRAND TOTAL OF £2.00 LEFT FOR THE MONTH