Christmas worries :/

[mummienatt]

Hi all just needed to vent really tbh .after being scammed and not getting a penny back after being promised and promised Im now in the position were in struggling for Xmas .so annoyed in now paying my debts off on my own because I'm scared to go near another debt managent in case there the same .not sleeping with it or anything .after rent food council tax and bills were left with nothing waiting for a tax credits claim to be sorted but that could take weeks .sorry but needed to get it out so stressed and didn't no where to turn .sat here trying to juggle money around but I buy the cheapest food etc all ready .looking at signing up with payplan as there free just worried they'll take my money to n leave me high and dry .any ideas on presents I can make he's s 6 year old boy .things will be better once I get tax credits but it's taking forever to sort I get cben ev tue and get wages the week before Christmas but going to struggle to get anything thinking if ignoring the debts for the month xx

Hi me again so I contacted debtors in writing and by phone explaining my situation ie skint and struggling to pay what they want so received a few letters today one won't budge on payment as they want it paid of by April 2014 .the other ones have lowered but not by much so my dilemma is do I pay them this month or because I'm going to be setting up debt management as soon as I can thought it best until I was in position to make first payment .do I just not pay as there now aware I'm going into debt managent help don't want to get I trouble on the other hand there being unreasonable I offered them all £10 each as a token payment a lot less granted than I am paying now but more than I could have offered xx

I went to CAB and they were brilliant. I had to tell them all of my incoming and outgoing expenses and they worked out a budget for me including how much i could pay off my debts. They then wrote to the companies with the lower amount i was going to pay and asking them to stop adding interest. All this was free and i hardly had to do anything.

Getting an appointment can be difficult but it is so worth it.

I've got an appointment for Thursday have wrote everything coming in and out incase they ask for it.
Going to take these letters with me to see what they say .
X

No idea about all the debt stuff - sorry.

However, 6 is a brilliant age for Christmas to be all about the fun stuff - watching Christmas Movies, popping your own popcorn (to eat & make decorations!), Carol & Nativity events, playing games etc I am sure you can make it really really special for DS without lots of presents etc

But I hope for your sake you can get the debt situation sorted out soon.

I'm not an expert, but as someone who has struggled with debt in the past, I would just say concentrate on the priority debts.

It sounds as though you are paying Council Tax to a bailiff company? If so, you definitely need to make that payment. Likewise, make sure rent is either paid in full or negotiated with your LL (or mortgage lender if you own). Also, any payments which relate to CCJ's should be paid.

Other than that, creditors will just have to wait until the CAB has sorted things out for you. They cannot have what you have not got.

Hi yes I'm going to do a movie night in hamper for him with microwave popcorn sachets ,sweets ,crisp and drinks .2 DVDs I got from the charity shop last week and a voucher for me being the DVD switching over avd the drink getter lol .
Yes I am paying my council tax arrears through a bailiff but still pay my regular council tax to the local council .i applied for council tax benefit and now get 1.62 a week help not much but it helps lol .
I'm going to pay rent .council tax arrears ,and regular conc tax I think there my main concerns .tv licence I pay monthly so that will have to he paid .my other debts is mainly 2 catalogues ,sky and the cheque centre because when I started work and had to work a bit in hand I had no back plan and ended up in a rut with cheque centre .
Other than that it's little debts that through my stupidity and trying to hide from it have now doubled due to charges and interest x
I will get through it I no that and want to thank everyone for there wonderfully ideas on gift ideas etc .xx

Hi everyone well been paid and had to pay my debts for this month got scared because they were threatening legal action .but spoke to them and told them it's my last payment to them as I'm starting up debt management decided to go for payplan and cab are helping me set up a proper budget .a lovely person has give me some moshi monsters for my son so he has something to open I've got his card today and got the stuff to make his art hamper .made him avoucher book aswell got the idea of a post on my thread .
I feel happier debts are paid rent and council tax etc think what I'm goin g to do is not have Xmas dinner but use the money I would have used for presents for son .thankyou everyone for the ideas x

Glad you are on the path to getting sorted. Hope you manage to enjoy Christmas without too many worries.

Yes here's hoping next years a better one .things are slowly but surely getting sorted feel so much better .xx