Payments made is s78 still useful

[seduraed]

Hi folks
I owe quite a lot to a number of creditors
Mortgage 118k 2k arrears suspended osession order rpaying arrears £200p
Gas 1500 repaying 150 per month
Electric 2400 repaying £150 per month
NAT WEST old overdraft now with cohens 4017 charging order
lloyds old credit card 3011
HFC 680 charging order
crap 1 420
prov 400
council tax 1500 this year 2000 arrears with bailffs
car hp 3000in default

We let rooms in our house and i have part time job which generates me £250 per month we get £90 per week working tax credits. Our business tunover is about 1500 to 1800 per month but we have to feed the lodgers and pay all the utilities
Is it possible to put any of the non priority creditors into dispute to stop then hassling me and how dow we gwet on top of all the other debts?

Any good advice apreciated .

I want to get some of the non prioroity debts off my back and get my life back together .

[Amethyst]

Re: Payments made is s78 still useful

Hiya

What are you paying monthly at the moment on the non priority debts, and on the charging order secured debts - are they backed with installment orders ?

What is the position with the car HP ?

Obviously Lloyds, Cap One and Provident would be good places to start as they are unsecured - have you already come to arrangements on those - looked at PPI reclaims / late payment charges / CCA requests etc ?

Lets try get as good a picture as possible and work out a game plan to get things back on track xx

How have the figures for the utilities debts been arrived at - have they been through court or just through the utility debt collection depts ?

Is the business turnover you speak of the letting out of rooms in the house - or something different ? (ie is the income from the lodgers enough to cover the cost of having them)

[Caspar]

Re: Payments made is s78 still useful

It would also be a good idea for you to fill an as accurately as you can, an Income Expenditure from (link at top of page). This way you'll see in black and white what, if anything, you have left each month as disposable income. It will also sort out priority and non-priority debts as Amethyst mentioned, and will suggest pro rata payments. Now in your case, these won't be viewed in any way as cast in stone due to your particular circumstances, but it would be another good starting point.