I've just done the I&E sheet including mine and my partners details. We literally have £213 to live off once all bills are paid. This doesn't include a monthly agreement with: Landlord (incorrect rent paid by housing benefit), Income Support (overpaid my girlfriend £700 3 years ago and want it back), Council Tax (couldn't pay it due to tax credits not being sorted for 8 weeks or more when i first moved in - my girlfriend wasn't receiving any benefits at this point and we couldn't afford to pay it even with our wages). All of which we are aware of but have agreed with each that we won't pay anything until we are back on top. What is the best thing to do about NDR then? I've heard about 'unenforceable' debt with them.

Thanks for both your quick replies. I'll fill out the I&E sheet for my own reference but would it help for you to see it too? I'm glad it's not a judgemental site as to be honest, i never meant to get into debt troubles but life changes in a flash. Why wouldn't you do the I&E sheet?

Hi all, New to the forum but requiring some help urgently. Ok, me and my partner decided to move in together (approx April/May 2010) as we found out she was pregnant. All my bills started to fall behind as our wages weren't enough to keep a household going, look after her 2 year old daughter, pay rent, buy baby clothes for when the new baby comes, pay utility bills etc. I had £1000 coming in and £700 going out just on rent and Council Tax - to give you an idea of how tight things became. My girlfriend only worked 16 hours a week but the wage wasn't great. Anyway, on Christmas Eve i had 2 letters turn up from NDR Money debt collectors. One amount for £1100 from Littlewoods and the other amount of £700 from Very. Unfortunately i have no way of paying the debt unless it is around probably £2 a week - which they'd laugh at. Money is far too tight, even more so now my partner has gone on to maternity leave. I did ring Littlewoods and Very in the summer of 2010 and ask for a payment plan, they accepted. Littlewoods reduced my payments from £110 to £82 every 21 days. That was just a kick in the teeth. I paid it the first couple of months but gave up after that due to finances and now i'm in the position i'm in. What's my best plan now? If possible, a list of things to do would be great along with copies of any letters i need to send. I started my own thread after reading lots of posts about what to do in other people's cases but really wanted to get things right and sorted for the new year and for when our baby is here. Any help would be mega appreciated. PS. Don't bother giving me the old lecture on how i should pay the debt as it's mine and i shouldn't have got into the debt in the first place and this, that and the other because believe me, i've been doing it for the last few months of 2010 and it's not got me anywhere! Sorry for the massive post.