Newbie requiring advice

[Missklj2014]

Re: Newbie requiring advice

Hiya

are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries

What is the "etc"?

Gas and electricity are not "priority debts" - they can't send you to gaol or discontinue supply merely for having missed one or two payments.

The electric telephone or mobile telephone is not a priority debt either, though they can restrict or discontinue service for non-payment.

Only the Council Tax is a priority debt. Are you claiming all the discounts and help to which you are entitled?

Yes I have tried but not entitled to anything as I work full time. Ok I'm just worried the gas n electricity will be cut off also I have fees for my overdraft ... I sound pathetic I'm sorry haha

[Missklj2014]

Re: Newbie requiring advice

Hiya

are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries

Good - well done.



Yes! But you also said that P2P and Quickquid were taking payments via direct debit not continuous payment authority - which is it?

Sorry they are both via CPA

[TibetanMonk]

Re: Newbie requiring advice

Yes I have tried but not entitled to anything as I work full time. Ok I'm just worried the gas n electricity will be cut off also I have fees for my overdraft ... I sound pathetic I'm sorry haha

You don't sound pathetic!

Remember, there's millions in debt, it happens. Fortunately, you've come in right before P2P and QQ came in to take more money. STAY POSITIVE!

[TibetanMonk]

Re: Newbie requiring advice

Yes I have tried but not entitled to anything as I work full time. Ok I'm just worried the gas n electricity will be cut off also I have fees for my overdraft ... I sound pathetic I'm sorry haha

Are you in arrears with your gas and electricity company? If not, they're normally pretty good with not cutting you off until it's spiralled out of control, which we wont let happen.

[CleverClogs (RIP)]

Re: Newbie requiring advice

Yes I have tried but not entitled to anything as I work full time.

CT Assistance depends on how much one received in wages or benefits, rather than on hours worked.

Do you live alone and, if you do, are yoiu claiming the 25% discount?

[Missklj2014]

Re: Newbie requiring advice

Hiya

are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries

Are you in arrears with your gas and electricity company? If not, they're normally pretty good with not cutting you off until it's spiralled out of control, which we wont let happen.

Not in arrears which is good

[CleverClogs (RIP)]

Re: Newbie requiring advice

Not in arrears which is good

Then they can wait a month or two.

[Missklj2014]

Re: Newbie requiring advice

I'd just like to say thank you to everyone who has given me some advice so far! I'm feeling a tiny bit more at ease. I'm really worried that I'll get people coming to my door for payments , because I can only assume , like many my partner does not know about any of this ! 😱

[Missklj2014]

Re: Newbie requiring advice

Hiya

are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries

You don't sound pathetic!

Remember, there's millions in debt, it happens. Fortunately, you've come in right before P2P and QQ came in to take more money. STAY POSITIVE!

Thanks Tibetan monk .. Least I've finally admitted to myself that this cannot go on !

[TibetanMonk]

Re: Newbie requiring advice

I'd just like to say thank you to everyone who has given me some advice so far! I'm feeling a tiny bit more at ease. I'm really worried that I'll get people coming to my door for payments , because I can only assume , like many my partner does not know about any of this ! 

I've been in debt for about 2 years, with around £10k of debt, and not paid a single penny (not that thats the best way of doing it :P), I've never had people to my door. And even if they do then you can ask them to leave. You'll have a while before that even happens anyway, the companies will keep it in house for a while.

And by that point hopefully you'll be back on track

[Never-In-Doubt]

Re: Newbie requiring advice

I'd just like to say thank you to everyone who has given me some advice so far! I'm feeling a tiny bit more at ease. I'm really worried that I'll get people coming to my door for payments , because I can only assume , like many my partner does not know about any of this ! 

I'd consider talking to them..... Do you live together?

[cookie2112]

Re: Newbie requiring advice

Just wanted to offer support Missklj2014, you aren't alone and everyone here is lovely, I only wish I had found this site sooner! Good luck!

[CleverClogs (RIP)]

Re: Newbie requiring advice

I'd consider talking to them..... Do you live together?

When she does, I dare say it would make a change from telling him once more that the bedroom ceiling needs to be repainted.

[CleverClogs (RIP)]

Re: Newbie requiring advice

II'm really worried that I'll get people coming to my door for payments

From my experience, I would say that is unlikely to happen.

If they did send some sort of "field agent", you can tell them to leave and, if they didn't, squirt water or diluted apple juice - which smells a bit like diabetic wee - through the letter-box and all over the front of their trousers to make them look like they've wet themselves.

[Inca]

Re: Newbie requiring advice

Hiya,
You really should heed Niddy's advice and have the 'chat' with your partner..it's never easy,but it's a damn sight better than him finding out for himself,,,trust me,been there,done that.
You;re not the first to get in a pickle,you won't be the last but you're facing your demons now and that's the important bit.
That's all I wanted to say,,I'll leave the financial stuff to those who know SO much more than me.