Income details
Net (i.e. after tax) Income self: 1560 per month temp contract private sector
Home loan
Lender: KBC
Amount outstanding: 250000 plus arrears
Value of home: 80000
Interest rate: variable 4.5%
Monthly repayment 1250
Amount in arrears 13k
In Marp since Jan 2011 . Have been on interest only since then. fell into arrears mid 2012 and started making payments early 2013 of 250 per month. had never missed a payment before arrears. recently completed another SFS so waiting to hear back.
Credit Union
Amount of shares 2000
Amount of loan outstanding 2800
Monthly repayment 130
Term left 8 months will clear loan with shares when I get it down to 2k
Other loans and creditors - delete those which don't apply to you
Overdraft - 500
Credit Card - 1800
Credit Card - 30 interest only
Term loan 800
Term loan couple of months
Term loan - 90
Term loan - interest free loan for couch from dfs
I am working for a financial institution and have to go through fitness and probity and am very concerned this is going to affect my job. im afraid to tell my boss I have arrears