Please Help advice needed urgently

[danbuddha]

Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering.

 

I have just signed up to experian to view my credit rating and the extent of my debt is as follows.

I want to sort this mess out but dont know which way to start as it is such a mess.

 

Court information

9000 unsecured loan nationwide which i now have a ccj for

3500 overdraft which i now have a ccj for

Credit agreements

691 credit card stopped receiving letters now

142 Tmobile

3346 natwest

 

These are the ones that show on my credit report.

i also owe

an unknown amount to payday lenders estimated £1500

 

2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita

 

700 water bill

 

700 gas repaying 5 pound a week off meter

 

1400 electric repaying off meter

 

there may be more that i am unaware of

 

Financial situation

 

i have a mortgage owing £43000 on a £12500 so around £80000 equity

2000 arrears but a payment plan in place.

 

the only debt secured on the house is the mortgage.

 

any advice, no matter how small will be much appreciated.

 

many thanks

Edited January 16, 2013 by honeybee13
Not a good idea to publish your name on a public forum.

[anirbas]

Ask them for the contracts - thee wont be any as they never sign( only ever witness your signature)

 

Please explain a witnessed signature it ok imo???

Edited January 16, 2013 by citizenB

[danbuddha]

Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering.

 

I have just signed up to experian to view my credit rating and the extent of my debt is as follows.

I want to sort this mess out but dont know which way to start as it is such a mess.

 

Court information

9000 unsecured loan nationwide which i now have a ccj for

3500 overdraft which i now have a ccj for

Credit agreements

691 credit card stopped receiving letters now

142 Tmobile

3346 natwest

 

These are the ones that show on my credit report.

i also owe

an unknown amount to payday lenders estimated £1500

 

2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita

 

700 water bill

 

700 gas repaying 5 pound a week off meter

 

1400 electric repaying off meter

 

there may be more that i am unaware of

 

Financial situation

 

i have a mortgage owing £43000 on a £12500 so around £80000 equity

2000 arrears but a payment plan in place.

 

the only debt secured on the house is the mortgage.

 

any advice, no matter how small will be much appreciated.

 

many thanks

 

Daniel O'Donnell

[citizenB]

You need to sort out an Income & Expenditure sheet such as the one below.

 

Your priority debts will be your utilities - Council tax in particular. Then your CCJs.

 

Did you defend these ?

 

 

Ellens Budget Sheet.xls

 

The other non priority debts are way down the list.

[citizenB]

Were you able to secure installment plans for the CCJs ?

 

When did you receive the CCJs ?

[danbuddha]

i havent done anything with any of the debts until yet, upunitll now they have been totally ignored.

[danbuddha]

received one ccj april last year one nov last year