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  • FIRST POST
    daveisbrave
    lost my job and cant pay minimum payment on credit card
    • #1
    • 18th Dec 10, 4:18 PM
    lost my job and cant pay minimum payment on credit card 18th Dec 10 at 4:18 PM
    what do i do? ive gone on jobseekers allowance and benefits. do i write to them ad explain? if i offer a token payment of say 50 pounds a month and ask them to waive the interest is that ok? they cant contact me as my phone has been cut off and i have moved into a hostel. i cant afford to use my mobile so all i can do is write would they understand?
    its no good them sending a debt collector after me as im in a hostel on benefits. im so depressed as i have a family to feed and my wife is sick
    ihave no phone number so they wouldnt find me. im doing the right thing by wriiting to them
    an advice? they cant get blood out of a stone. would they waive the whole bill? also what happens ifi died? surely the debt would be wiped clean? my wife cant work
Page 1
  • dmg24
    • #2
    • 18th Dec 10, 4:26 PM
    • #2
    • 18th Dec 10, 4:26 PM
    I smell a rat ...
  • ILW
    • #3
    • 18th Dec 10, 4:33 PM
    • #3
    • 18th Dec 10, 4:33 PM
    I smell a rat ...
    Originally posted by dmg24
    Ciscokid??
  • Inactive
    • #4
    • 18th Dec 10, 4:38 PM
    • #4
    • 18th Dec 10, 4:38 PM
    Can still afford internet access.. ?
    • whatyadoinsucka
    • By whatyadoinsucka 18th Dec 10, 4:40 PM
    • 716 Posts
    • 350 Thanks
    whatyadoinsucka
    • #5
    • 18th Dec 10, 4:40 PM
    • #5
    • 18th Dec 10, 4:40 PM
    on death, the nhs trust you die in is responsible for 'basic' funeral costs. (not they advertise)

    no legitimate debt is ever transferred for a deseased, although it will go into your estate.
  • rb10
    • #6
    • 18th Dec 10, 4:41 PM
    • #6
    • 18th Dec 10, 4:41 PM
    Can still afford internet access.. ?
    Originally posted by Inactive
    You can get free internet access from most public libraries.
    • jonesMUFCforever
    • By jonesMUFCforever 18th Dec 10, 4:46 PM
    • 24,171 Posts
    • 11,445 Thanks
    jonesMUFCforever
    • #7
    • 18th Dec 10, 4:46 PM
    • #7
    • 18th Dec 10, 4:46 PM
    Not at 4.18 pm on a Saturday afternoon.

    Troll alert.
    What goes around - comes around
    give lots and you will always receive lots
  • Inactive
    • #8
    • 18th Dec 10, 4:47 PM
    • #8
    • 18th Dec 10, 4:47 PM
    You can get free internet access from most public libraries.
    Originally posted by rb10
    Those that are open at 4.15 pm on a Saturday, mine certainly isn't.
  • Inactive
    • #9
    • 18th Dec 10, 4:48 PM
    • #9
    • 18th Dec 10, 4:48 PM
    Not at 4.18 pm on a Saturday afternoon.

    Troll alert.
    Originally posted by jonesMUFCforever

    Beat me to it..
  • Dr_Cuckoo3
    Not at 4.18 pm on a Saturday afternoon.

    Troll alert.
    Originally posted by jonesMUFCforever
    Those that are open at 4.15 pm on a Saturday, mine certainly isn't.
    Originally posted by Inactive



    All Sutton libraries are open until at least 5pm on Saturdays

    http://www.sutton.gov.uk/index.aspx?articleid=908

    and Lewisham

    http://www.lewisham.gov.uk/LeisureAndCulture/Libraries/OurServices/WhoWeAre/DownhamLibrary.htm

    and Kingston

    http://www.kingston.gov.uk/browse/leisure/libraries/branches/hook_library.htm

    and Havering

    http://www.havering.gov.uk/index.aspx?articleid=2440
    Hi, weve had to remove your signature. If youre not sure why please read the forum rules or email the forum team if youre still unsure - MSE ForumTeam
  • dmg24
    Those that are open at 4.15 pm on a Saturday, mine certainly isn't.
    Originally posted by Inactive
    Plus a family being placed in a hostel is extremely unlikely. I don't know if it is a national policy but in my area that does not happen at all.
  • Dr_Cuckoo3
    Plus a family being placed in a hostel is extremely unlikely. I don't know if it is a national policy but in my area that does not happen at all.
    Originally posted by dmg24
    He doesn't mention whether his "wife and family" have moved in to the hostel with him , however he still needs to feed them according to his earlier post
    Hi, weve had to remove your signature. If youre not sure why please read the forum rules or email the forum team if youre still unsure - MSE ForumTeam
    • Rufus Dufus
    • By Rufus Dufus 18th Dec 10, 5:59 PM
    • 31 Posts
    • 12 Thanks
    Rufus Dufus
    Those that are open at 4.15 pm on a Saturday, mine certainly isn't.
    Originally posted by Inactive
    Perhaps he lives somewhere different to you.
  • storminbalder
    It would appear there are some mean spirited and cynical people on here!

    How do you live with yourselves?
    • zulubabe
    • By zulubabe 18th Dec 10, 7:12 PM
    • 929 Posts
    • 3,642 Thanks
    zulubabe
    The OP could be using a mate's internet? Choosing to ignore all the other posts - credit card debt as far as I am aware is unsecured debt. This means that they can't take anything off you for credit card debt. I would call up your credit card company - explain the situation to them & if you can afford it then offer them a token payment. Also do yourself a huge favour and make an appointment to see your local citizen's advice bureau as soon as possible - they are a huge help & give you hope even when there seems to be none.

    Please don't do anything silly - I suffer from depression too & earlier this year it was so tempting to throw in the towel - yes I'm still in debt but with Citizen's Advice I've felt so much more hopeful and have realised that one day I will be debt free.

    Hope this helps!
    2017 Wins: Goodies from Queens Square, West Bromwich, Soup & Mug, Football, Burts Bees Lipstick

    Thanks those who post Comps
  • head_done_in
    hmmmmmm shouldnt judge anybody without solid evidence, the person has asked if he was dead would his debt be wiped, what if the poor fella is thinking of doing something silly, obviously hes at an all time low with debt/money worries. im abit disgusted with the replies to be fair!
    • Norfolk_Jim
    • By Norfolk_Jim 19th Dec 10, 6:53 AM
    • 1,176 Posts
    • 1,109 Thanks
    Norfolk_Jim
    He needs to post this in the Debt Free forum, that where the most suitable help is available.

    Each of these forums seems to have its own atmos, and some are definitely more sensitive than others - this ones pretty formal but the Debt free One is full of love, so try again over there.
    • robpw2
    • By robpw2 19th Dec 10, 7:04 AM
    • 12,437 Posts
    • 24,494 Thanks
    robpw2
    also what happens ifi died? my wife cant work
    Originally posted by daveisbrave
    you leave your wife with and awful lot of pain and heartache..
    seriously its not worth dying over
    post you soa up on debt free board
    seek help from cab , cccs and also from the samaritans , seek advice from a dr about your depression.

    i know its tough coming up to christmas but try to stick in there
    you could try temporary bar work over the festive period loads of places need extra staff new years eve - it wont be alot of money but it could pay this months bill - see entitled to about benefits you may be entitled to other than just jsa , you say your wife cannot work , is she claiming all she is entiled to ?


    Slimming world start 28/01/2012 starting weight 21st 2.5lb current weight 17st 9-total loss 3st 7.5lb
    Slimmer of the month February , March ,April
    • kev.s
    • By kev.s 19th Dec 10, 9:40 AM
    • 494 Posts
    • 279 Thanks
    kev.s
    how much is your minimum payment? if your willing to pay 50pm i presume the minimum is much more ,it must be a fair CC bill you have. CAB would be my 1st stop
    • Fruit and Nut Case
    • By Fruit and Nut Case 19th Dec 10, 12:54 PM
    • 3,987 Posts
    • 2,973 Thanks
    Fruit and Nut Case
    You can get free internet access from most public libraries.
    Originally posted by rb10
    The library must be closed today (Sunday) as the OP hasn't come back to thank everyone for their advice.
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