Wow and thankyou to you other 2 for managing to reply in the time it took me to make my 2nd post It does feel a lot easier being able to talk about it, as even my oh will tell you, I am a bottler, I keep things close to my chest and dont even let her in to the nitty gritty! She does know what's going on and knows the amount of debt, she just does not know how scared I am of it tbh! It's great to know you guys are willing to help me out! Up until now tingy, I have been doing just that and pretending they dont exist! I dont leave the house during the day or if I do its very early and wont return all day, I leave the curtains and windows closed..............its not tha way I want to live my life anymore. I have only today applied for an old job I held a fews back so hopefully it wont even require an interview and I can just walk straight back into it without the pressure of having to actually try and convince someone i'm up for the vacancy! Confidence is so low I couldnt talk my way into anything at the moment lol

Thank you for your speedy and friendly responce dx.........I have however already taken a look at the blog and understand more now about priority debts and non priority debts however my mind is like a sieve at the moment so do need to keep referring back to it! I will definately take another look tomorrow when I am not on such a downer! I am 31, it is mine and my mrs 2nd year anniversary this weekend and my birthday next weekend and tbh I'd rather just curl up and die at this very moment! I've let it effect my health and mind and it's now effecting my relationship as i'd rather stay at home on my own tonight then be with the woman I love for fear of my stress and anziety causing an argument like it has been the last few months :o( I'm not proud of any of this and dont want to take the easy (ish) way out and go bankrupt, I want to stand up for my actions and pay my dues! I'm in a very deep rut and need to get out of it fast by getting a job! But I am finding all my debt and money worries are stopping me from thinking straight and hindering on my job search/interviews! In an ideal world for me the solution would be a DRO and this is something I need to seriously look into if I can get my debt to below £15000! This would give me the breathing time and space I feel I need to get my head back to where it should be, concentrate on getting a job then in 12months time I would be in a position to start making affordable, suitabe payments! But I fear I have left it too late as all debts are with collection agents/bailiffs Once again many thanks for your reply at such a late hour

This is going to turn into a pretty big post and i am sure the spelling and grammer police will have a great time but I will try my best My current situation! Unemployed claiming JSA and have been since October last year, on anti depressants and sleeping tablets (prescribed) for the last 2 year, own 30% share in my flat which I have lived in for almost 2 years Have debt collection agency's coming out of my ears and owe almost £16000 However a lot of these are priority debts which include 3 different council tax bills, rent arrears and all utilities! I have a mortgage and after a court order awarded to the Woolwich/Barclay's in November I have kept up with all payments after falling behind last year but struggling with this alone! My only income is JSA and I know I should of stopped my claim but I have still be getting my working tax credit (not a good thing to be doing I know, but i was scared of not being able to keep up with my court order as I relied on that money even more when I was made unemployed).................. and like an idiot I have not even claimed housing benefit hence the rent arrear's and have done what I always do best and that is just buried my head! My debt's laid out..........I dont have a clue where I am at with any of them as I have so much unopened mail sat about I just cannot muster up the courage to open them for fear of the worst case scenario! Back in November I visited the local CAB to try and get my head around it all and basically all they told me to do was declare myself bankrupt! However they did lay all my debt's out in front of me in a common financial statement summary and made me realise the scale of my ignorance! Here is the basics of that summary: Total monthly income £743.04 Monthly Expenditure: Rent - £189.80 Mortgage - £308.05 Council Tax - £100 Mobile Phone - £20 Travel/fuel - £121.83 Housekeeping - £119.17 Other - £16 Total - £875.52 which is a -£132.48 deficit a month before attempting to pay any debt's off Debts broken down: Priority debt's: BPHA (Housing association) £758 British Gas (elec) £613.47 British Gas (gas) £538.76 East Cambs DC (CT) £970.69 Hunts DC (CT) £599.90 Hunts DC (CT) £923.58 HMRC £202.53 Total Priority Debt's £4607.33 (correct as of 3rd Feb) Non Priority debts: Alliance & Leicester unsecured loan £6864 Barclaycard £1387.22 BT £179.54 Cambridge water company £329.58 DVLA £80 Fed Ex £158.51 HMRC £484.80 Natwest £1852.85 O2 £529.73 Total Non-Priority debt £11866.23 I have not had any contact with any of these companies or there debt collection agents and have ignored every letter and phone call no matter how persistant they have been! I now know that for some this probably wasnt the best thing to do but my head is so far from with it at the moment I have lterally been moments away from having myself sectioned and my OH is fearful for my health and sanity already as are some of my friends! I cannot see a light at the end of the tunnel and feel that the world and his dog is against me at the moment as my car just failed its MOT and need's 4 new tyres plus front brakes...........almost £400 right there Any help and advice much appreciated and f you need to know any more info please dont hesitate to ask! I just didnt know what to and not include in this post and dont really know what's of importance to you guys Kind Regards from a really not in a good place Erran aka R46

Hi all, I was told to come and post on this board by a friend who said that some of you may be able to give me some advice with regards to non payment of Non Domestic rates and Council Tax 1st off I know that this is completely my fault, but I have let lots of things get on top of me and after a bit of a rollercoaster year I am now in big trouble Please take into consideration that back in December 2005 I was involved in a bad RTA. After 16weeks of being out of work I lost my mobile valeting business. Anyway since my accident I never had a proper full time job, I managed to get a part time office job. Then in June last year I got the opportunity to rent a small unit for a small fee of £150 per month. I decided to try and set up my own joinery firm. I sold my van and bought some machinery for the workshop. I begun getting the workshop set up ready for trading. This took a few months as the unit was a mess and I was still working part time. However in August I was diagnosed with Post Traumatic Stress syndrome & depression. I was prescribed anti depressants and sleeping tablets. By September, I had split up with my long term girlfriend (6years), lost my house as I couldnt afford to stay there on my own so the ex bought me out and I lost my part time job. When I met my ex, I moved away from where I grew up and had no real friends or family. So when I moved out, I moved back to the area where I grew up into a private rented house with a friend and got myself a full time bar managers job. To cut to the chase, I have not paid any business rates since I took possesion of the unit, and more embarrassingly I have not made any council tax payment on my current rented property either The business rates side of things is the messiest so at the time of writing. I will give you the time line: 19th August 2008 - NATIONAL NON-DOMESTIC RATES DEMAND £457.85 11th November 2008 - Summons for Non-Payment of Non-Domestic Rates - Schedule £457.85 - Date to appear in court 10th December 2008 (Please bare in mind that I had already vacated my residence with my ex on Sept 12th 2008 and didnt not receive this summons until Jan 7th when the ex came to visit me with a hand delievered letter from Rundle & Co Ltd and a pile of mail) 7th January 2009 - Letter from Rundle & Co Ltd hand delivered - ATTENDANCE NOTICE THE CLEARANCE OF GOODS - Total now due £838.35 - Removal Bailiff Mr Burrowes 26th January 2009 - Letter from Rundle & Co Ltd - This Important Notice Needs Your Urgent Attention! - Total due £584.35 - We have been issued with a Liability Order obtained at the Magistrates Court - OUR BAILIFF WILL CALL TO SEIZE YOUR GOODS WITHIN THE NEXT 7 DAYS 29th January 2009 - Letter from Rundle & Co Ltd - Take formal notice - As you have failed to deal with the above matter, I will, if I do not hear from you within the course of the next 7 days, have no alternative but to return the liability order to the Council so that they may apply to the Magistrates for your commitment to prison:eek: All correspondance has been sent to my old address and as a result I missed every single date set by them Current circumstances: Currently earning £1023 take home per month, rent is £700 and petrol to and from work costs me £50pw. That does not include bills, insurance and food. My house mate is moving out next weekend so I will be liable for everything. I have £9k (unsecured Loan) in debt from the old house and my share of previous debts from living with ex. I also have a credit card with £1100 limit, balance is £27 remaining I am max'd out on my £1450 overdraft and exceed that monthly which in turn incures £35 charges. I now have the local district council after me for non payment of council tax in this new rented property which I have occupied since Sept. Time line for this case: 3rd October 2008 - DC sent me a letter telling me that for the next 6 months my rates will be £914.81 and they want payment in £229 instalments 17th November 2009 - DC sent me letter telling me about 1st missed payment 5th January 2009 - DC sent me a letter stating that previous reminder not paid in full. Unless payment of £914 in full is received by 12th january the council will commence legal proceedings 4th February 2009 - DC sent letter - Council Tax Adjustment Notice - Amount Owed £914.81 Now, I know I have been a complete idiot, and I should not of buried my head in the sand an hoped everything was going to go away but I would really like to get this ugly mess sorted out. Especially the Council tax case as that is not in the hands of the bailiffs at time of writing. However, for 1 last twist in the life and times of R46..........I have just had an offer accepted on a property I am hoping to purchase. This property is going to be bought as a 30% share of a new build 2 bed apartment and will be owned by Key Home East housing association and myself. I need to be out of my current private rented property by 11th March (end of 6 month tenancy and landlord has sold the property) and this shared ownership deal is great as my rent/mortgage will be a combined £400 for my own property. Will this mess effect my chances of getting a mortgage and this property? Not to mention that if this purchase goes through, I need to find approx £1000 for fee's and £300 mortgage application fee Any help will be so much appreciated on this matter Sorry for the essay Regards R46