holycrosser
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Everything posted by holycrosser
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Sorry if this is in wrong place. Quick version is I need to pay tax man in 2 months time money I haven't got.5.8k I'm 51 and have pensions with Standard Life.my question is if I plead with them would they release that amount from my pension pot.im desperate, I can't get a loan and I've no family. I'm up creek.can anyone advise if the would consider it pre 55 ....hope someone can help.
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Statement of Affairs & Personal Balance Sheet Summary Monthly Budget Summary Amount(£) Total monthly income 1,900 Monthly expenses (incl. HP & secured loans) 1,030 Available for debt repayments 870 UNsecured debt repayments 894 Amount short for making debt repayments -24 Personal Balance Sheet Summary Amount(£) Total Assets (things you own) 0 Total Secured & HP Debt -0 Total Unsecured Debt -24,938 Net Assets -24,938 Household Information Number of adults in household 2 Number of children in household 1 Number of cars owned 0 Income, Expense, Debt & Asset Details Income Amount(£) Monthly income after tax 1900 Partners monthly income 0 Benefits 0 Other income 0 Total monthly income 1900 Expenses Amount(£) Mortgage 0 Secured/HP loan payments 0 Rent 900 Management charge (leasehold property) 0 Council tax 0 Electricity 0 Gas 0 Oil 0 Water Rates 0 Telephone (land line) 0 Mobile phone 20 TV Licence 0 Satellite/Cable TV 0 Internet services 0 Groceries etc. 0 Clothing 20 Petrol/diesel 0 Road tax 0 Car Insurance 0 Car maintenance (including MOT) 0 Car Parking 10 Other travel 10 Childcare/nursery 0 Other child related expenses 10 Medical (prescriptions, dentists, opticians etc.) 15 Pet Insurance/Vet bills 10 Buildings Insurance 0 Contents Insurance 0 Life Assurance 0 Other Insurance 0 Presents (birthday, christmas etc.) 15 Haircuts 0 Entertainment 20 Holiday 0 Emergency Fund 0 Total monthly expenses 1030 Secured & HP Debt Description Debt(£) Monthly(£) APR(%) Mortgage 0 (0) 0 Secured & HP Debt totals 0 - - Unsecured Debt Description Debt(£) Monthly(£) APR(%) credit card 2847 123 30 credit card 110 5 37 credit card 450 12 37 loan 2000 80 30 loan 3000 123 25 loan 9400 321 25 credit card 900 38 35 credit card 1931 80 35 credit card 2950 50 35 credit card 1350 62 35 Unsecured Debt totals 24938 894 - Asset Description Value (£) Cash 0 House Value (Gross) 0 Shares and bonds 0 Car(s) 0 Other assets (e.g. endowments, jewellery etc) 0 Total Assets 0 Comments on the results You do not have enough monthly income to meet your expenses and your minimum monthly debt repayments. Seek ways to increase your income and/or reduce your expenditure by £24. Whatever your results show, it always pays to seek advice or comments from others. Why not post your SOA details on our Debt Management discussion board or on your preferred discussion forum elsewhere. Thankyou for using the SOA Calculator at http://www.stoozing.com. so this is my SOA,am i missing anything i could claim for? i'm trying to work out if i go bankrupt will i have less spare cash than the £104 i have at the moment, i know with an ipa i'd be debt free in 3 years but if they take everything off me i'd have nothing to have some sort of life. i need to be very honest, the £900 i pay my partner includes £250 towards a a wedding, but i don't want to tell the OR this will they think £900 board pm is too high? i cant reduce it as she( my partner would start asking questions) i hope you's understand where im coming from om this.
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my first dealings have started, natwest will not reduce my payment after being on the phone for ages, i wanted to reduce payment from £323 pm to £225 they offered to extend my loan period but i was refused when they tried, then more or less said go to stepchange and try a DMP , no one could make a decision on whether they would accept my offer s I fired it up the line not taking no for an answer as it was nuts if i went to stepchange they would get offered £50 but i was willing to pay £255, they saw my point but couldnt agree to do it. nuts i want to be upfront here with you guys, ive been bankrupt before 11 years ago thru gambling, its happened again ive got into debt but im going to sort myself out. i'm thinking bankruptcy is a quick win but can someone point out the drawbacks if i do it......so summary £1900 income £1750 out goings inc debts £150 maximum to live off my partner doesnt know and i wont risk losing her over this to borrow off her, she wont understand trust me. WOULD YOU GO BANKRUPT? i pay £900 for my board, food etc, everything so technically if my debt was wiped out i'd have £1000 pm excluding day to day living cost and have a mild standard of living, im going to try and offer the creditors £720 pm between them by doing my own DMP but my first dealings with Natwest have made me think so this just go bust... .theres no house or assets in my name at all, no saving nothing they can take other than the receiver looking at my debts and coming up with a figure. would they make me bankrupt in your opinion? would they force me down a DMP even though i could show them i tried but got no where? do i tell them that say 50 % of the debt was gambling? ive already had form for it. any advice please?
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Trying to sort out my debts
holycrosser replied to Amy_Elizabeth's topic in Debt management and Debt self-help
please let us know how you are getting on as im in a very similar position -
these are all current creditors, ive nothing arranged and im paying them all, nothing missed but i simply cant sustain it. i know im responsible for this high interest debt, they shouldnt be lending me but im not shifting the blame but im robbing peter now to pay paul and i was hoping they would be open to putting an offer together and wanted advice on doing it on my own
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back here again, yep im an idiot but here goes, im after advice on offering payments to these guys below as im in a sea of debt. nat west £322 pm balance £9,200 bamboo loans £143pm balance £3000 capital one £33pm balance £944 ocean credit card £10pm balance £111 mbna credit card £50pm balance £2955 aqua credit card £130pm balance £2850 barclaycard £13pm balance £480 marbles credit card £90pm balance £1931 vanquis £69pm balance £1399 my jam jar £83pm balance £1900 i also pay £900 for living/rent my income is £1900 pm so you do the maths, its not much to live on amd i need to sort it out..... shall i offer a paymnt plan by doing it myself? any advice?
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£15,500 ranging from overdraft, payday loans, bad credit loans and credit cards( aqua etc) ive proposed £700 split between all creditors divided into 24 monthly offers, i can afford this and if all interest was frozen and no charges added they'd all be paid in 24 months. the companies are : santander c/a £990 od aqua credit card £1173 capital one £734 vanquis £488 barclaycard £240 sunny loans £1037 bamboo £2300 mr lender £900...........ive an agreement of £98 over 10 months in place 118 money £1770 ladder loans £2000 avant credit £3554 i will be starting to write to all creditors individually, offering £1 pw if they don't accept. just don't want to go through the barrage of phone calls bankruptcy is an option but only if i can use this other natwest c/a after bankruptcy?
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i'm proposing a personal attempt at arranging payments to my creditors, i will attempt that and see what happens. the other option will be bankruptcy, ive no assets and know what it entails, i did it 8 years ago. my question is, i hold a santander current account which all my pay etc will go into and which my debts are being paid. if i go bankrupt can i still use my other current account with natwest who'm i owe nothing to, to pay my wages into? will the administrator let me do that ? so i can ringfence my money in the early days
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just wanted to give a shout out to Mr Lender and Swift Sterling ive quite a few debts and rather than going pop im trying my hand at sorting a payment plan. both the above companies have frozen my debt and to reduced payments, BRILLIANT and a massive help. i'm awaiting a few replies but these guys did all this with 12 hours of my initial email. SO DON'T GIVE UP HOPE IF YOU TREAT THEM FAIRLY TOO THEY DO TRY TO HELP
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swift sterling advice please
holycrosser replied to holycrosser's topic in PayDay loans and Short Term loans - General
one thing i was going to ask...IF they agree to an amount, do i still offer to pay the whole of whats outstanding or am i entitled to offer just the full amount i borrowed? i,m not sure. i borrowed £1580, paid £230 and have 4x£630 to pay so do i just pay £1580 less the £230 plus one months interest? would the accept that or do i have to pay all the interest back too? -
swift sterling advice please
holycrosser replied to holycrosser's topic in PayDay loans and Short Term loans - General
i have a current account i dont use with natwest, they don't know about it, shall i move my wages there? and shall i tell them before or after i cant make the payment? -
swift sterling advice please
holycrosser replied to holycrosser's topic in PayDay loans and Short Term loans - General
yes, but thats not really answering what im asking though?? not being funny about that believe me ok -
hi all, i took a loan out with swift sterling £1580 over 5 payments 1st payment of £230 paid, recently, but im not going to be able to make the next payments 4x £630. so my question is i'm going to offer £150 a month im assuming to the value of the borrowed money . now should i make this offer now or after ive defaulted, im moving bank accounts so they cant get at my wages at the end of the month. ...will they then try and take the money out of my bank now if i let them know before hand of my impending doom? ive used advice before from this forum, it really does help. has any one any idea of how this mob pursue you and are they likey to accept my offer?
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I learned off hear to be in control, tell them what cones in and what goes out and what you can afford to pay Then sit back and wait for them to agree, you can hurry them along with repeat emails, never ring, i didnt. They will agree, the just try and get you stressed Hold your nerve, try and relax, and stick to youre guns
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To be honest my credit rep is shot to pieces, im hoping this learns me a tough lesson and never deal with a payday lender Its too expensive, ive been bankrupt 6 years ago so they obviously done no checks, ive got no real beef with wonga, after the dust has settled i must admit they could have easily said no, and acted as i was told they would but agreed pretty quickly to my offer( i did demand to speak with various directors and said i was close to breaking down) maybe that helped, but this site taught me to play hard. Wonga are legalised loan sharks they all are, its a horrible way to borrow money because its difficult to get out of the trap and believe me its a massive trap. Im recovering, thousands are worrying and need to front up their debts with these lenders and learn to pay it back if possible and never use them again Easy said guys but i say this if you are in trouble, stop worrying and make them an offer and stick to your guns, they cant get what you dont have but use the advice on here and dont be scared , ive had sleepless nights and now im at peace and prepared to learn from it.
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Every thing is in writing, i used advice on here and did it all by email and kept a file, if they mess it up ive got every email sent and received
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In an email yes, listing payments and yes im paying them by standing order, i got their bank details off them. The email matches the payments on their website so i will see how it all goes, im making my first payment 3-4 days before its due so i can record they got it. I trust none of them but wonga seem the less scrupulous ones of the lot
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Update: GREAT NEWS Ive got my payment plan sorted, theyve agreed to freeze it and im paying £153 pcm over 9 months, im happy with that as its very manageable NEVER AGAIN, thanks to all the help off this forums on how to stick at it and take the lead, to be fair wonga were very quick in hindsight to agree and its a lesson to me to never get involved with payday loans. The advice here has been invaluable. Im paying them back into their bank via standing order Result
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