I am £94,761 in debt

iwanttosavemoney2008

smashedbooboo wrote: »

If you need anything new like washers dryers, fridges and the like. Well anything really. Sign up to freecycle.

I have been trying to sign up for my local freecycle but no one ever answers my application :mad: :mad: :mad:

AdrianHi wrote: »

Does "NR" mean you are with Northern Rock?

yes we are but they are being ok with us so far got almost 2 years on deal before we can move

AdrianHi wrote: »

It is quite popular here on MSE and I've only just signed up to it myself, buy have you got a quidco.co.uk account?

yes i have and have about £10 in it :T

newsgroup_monkey wrote: »

I'm not much help, but have you joined in the "Giving Up Smoking" thread?

yes i am in there some where:rotfl:

smashedbooboo wrote: »

Yes you can still reclaim. It was a standard letter they sent you. How much in charges was the Egg one. x x

thanks i've posted this question on the egg board and on the reclaim creditcard charges site with no answer so thank you very much.

i think thats all questions answered phew:rotfl:

iwanttosavemoney2008

:T Just put another 35 item on to ebay so hopefully they will all sell :T

got 3 comments accepted by writershare:beer:

and got a £4 boots voucher coming for testing a shampoo:j :j

eselt

Just a quick one- totally agree that Freecycle is brilliant- remember you can join any local group..I joined mine, but also joined another area which is considerably posher and within reasonable distance from me and find this area throws out really top notch stuff which is often nearly new.

Also, have you tried your local SCRAPSTORE- these are council run recycling centres and alladins caves- for a small yearly fee (I paid £5 but each area is different)you can go to the scrapstore and help yourself to anything and take it away- example of stuff I have recently picked up...party bag toys (originally off the front of magazines), carpet tiles (brand new), shower curtain, range of greetings cards with envelopes, tile paint, enough material to make 2 double duvet covers (Laura Ashley), pens and pencils for kids, craft material for kids, roll of carpet underlay, loads of greaseproof paper for baking, DVDs/Games from recycled surplus magazines, books, make up, kids comics.....all free!!!! Certainly worth a look...I often pop to mine when I am desparate for a shop but have no money...I can walk in, choose anything I like and not have to worry about paying for it..

Best of luck with everything (although as I have just been discharged after going bankrupt last year, I will not pretend to offer you any real debt advice!!!..better leave that to the solvent ones amongst us!!!)

iwanttosavemoney2008

I am having a really bad day i woke up late to rush around to get my daughter to school on time whew made it to get home to a letter from halifax telling me they were charging me for going overdrawn £35

so i rang them up to ask what??? they then informed me i had gone 1p over drawn and that they wouldnt cancel the charge as i have had a charge returned already this year (which was a bank error not mine) and so i would have to pay the charge:mad: :mad: :mad: :mad: :mad: :mad: :mad:

can today keep getting worse hmm better not tempt fate

AdrianHi

iwanttosavemoney2008 wrote: »

I am having a really bad day i woke up late to rush around to get my daughter to school on time whew made it to get home to a letter from halifax telling me they were charging me for going overdrawn £35

so i rang them up to ask what??? they then informed me i had gone 1p over drawn and that they wouldnt cancel the charge as i have had a charge returned already this year (which was a bank error not mine) and so i would have to pay the charge:mad: :mad: :mad: :mad: :mad: :mad: :mad:

can today keep getting worse hmm better not tempt fate

What happens when you tell them it was due to bank error and that £35 is a big deal to you and you need it to start getting on the road out of debt?
Time to get reading Martins tips on re-claiming bank charges to see if there is anything there that helps you out. 1p overdrawn does not justify a £35 charge and the basis of reclaiming unfair bank charges is that any charges should be in proportion to the service / overdraft provided.
:mad:

iwanttosavemoney2008

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1200
Benefits................................ 666.24
Other income............................ 0
Total monthly income.................... 1866.24

Monthly Expense Details
Mortgage................................ 476.46
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 91
Electricity............................. 40
Gas..................................... 35
Oil..................................... 0
Water rates............................. 25.2
Telephone (land line)................... 29
Mobile phone............................ 2
TV Licence.............................. 11.61
Satellite/Cable TV...................... 19
Internet Services....................... 24.99
Groceries etc. ......................... 200
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 15
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.25
Pet insurance/vet bills................. 0
Buildings insurance..................... 25.01
Contents insurance...................... 0
Life assurance ......................... 41.14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 2000
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0
prescription charges.................... 10.25
Husbands work union..................... 10.96
child maintenance ...................... 125
boiler servicing........................ 13.5
Total monthly expenses.................. 3315.37

Assets
Cash.................................... 0
House value (Gross)..................... 80000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 80000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 80060....(476.46)...0
Total secured debts........... 80060.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
barclaycard....................2527.46...30........0
egg............................3846.78...130.......26.9
asda...........................750.......20........28.9
gratton........................290.......38.27.....0
barclays 2.....................2759.32...78........14.7
family members.................750.......0.........0
provident......................54........43.33.....0
barclays.......................973.84....0.........NaN
ge money.......................1872......41.1......26.9
Total unsecured debts..........13823.4...380.7.....-

Monthly Budget Summary
Total monthly income.................... 1,866.24
Expenses (including secured debts)....... 3,315.37
Available for debt repayments........... -1,449.13
Monthly UNsecured debt repayments....... 380.7
Surplus(deficit if negative)............ -1,829.83

Personal Balance Sheet Summary
Total assets (things you own)........... 80,000
Total Secured debt...................... -80,060
Total Unsecured debt.................... -13,823.4
Net Assets.............................. -13,883.4

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

======== Enter any other useful information below ========

e.g. the number of adults & children in the household, the number

of cars included in the SOA or anything else that may be useful. As stated before myself and my hubby and my three kids two of which are in nappies live in our houseI have changed from bt but that wont take place for another couple of weeks.

louietudor

god no wonder youve got debts if your paying £2000 a month on presents - can i be your freind!!!:D

only joking - im sure its a typo

iwanttosavemoney2008

oops thats yearly will have to go back and change it

iwanttosavemoney2008

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1200
Benefits................................ 666.24
Other income............................ 0
Total monthly income.................... 1866.24

Monthly Expense Details
Mortgage................................ 476.46
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 91
Electricity............................. 40
Gas..................................... 35
Oil..................................... 0
Water rates............................. 25.2
Telephone (land line)................... 29
Mobile phone............................ 2
TV Licence.............................. 11.61
Satellite/Cable TV...................... 19
Internet Services....................... 24.99
Groceries etc. ......................... 200
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 15
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.25
Pet insurance/vet bills................. 0
Buildings insurance..................... 25.01
Contents insurance...................... 0
Life assurance ......................... 41.14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 167
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
(Unnamed monthly expense)............... 0
boiler servicing........................ 13.5
child maintenence....................... 125
hubby work union........................ 10.96
(Unnamed monthly expense)............... 0
Total monthly expenses.................. 1472.12

Assets
Cash.................................... 0
House value (Gross)..................... 80000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 80000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 80060....(476.46)...7.29
Total secured debts........... 80060.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
barclaycard....................2527.46...30........0
egg............................3846.78...130.......26.9
asda...........................750.......20........28.9
ge money.......................1872......41.1......26.9
provident......................54........43.33.....0
family members.................750.......0.........0
barclays2......................2759.32...72........14.7
barclays.......................973.83....0.........14.9
grattan........................290.......38.27.....0
Total unsecured debts..........13823.39..374.7.....-

Monthly Budget Summary
Total monthly income.................... 1,866.24
Expenses (including secured debts)....... 1,472.12
Available for debt repayments........... 394.12
Monthly UNsecured debt repayments....... 374.7
Surplus(deficit if negative)............ 19.42

Personal Balance Sheet Summary
Total assets (things you own)........... 80,000
Total Secured debt...................... -80,060
Total Unsecured debt.................... -13,823.39
Net Assets.............................. -13,883.39

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

iwanttosavemoney2008

ok after falling off the stop smokin band wagon i am happy to say i am back on it and will let u know how it goes

every little helps