In trouble what are my options

barongreenback

This is incredibly embarassing but I suppose I am not the first. I am over my limit on my credit card by a hundred pounds and my current account is now over a hundred pounds over in unauthorised overdrafts. I have already been paid for this month and we have nothing go in now until 25th September. In the meantime we have barely enough to live on. We were kinda relying on my wifes bursary being processed in time for her resuming her course (there is now a six week delay at the bursaries office) and then this money would have sorted us out and got us back into credit.

I already have a loan for £3000 with RBS which they will not increase because of my current circumstances, they have also refused to change my overdraft (which I cannot blame them for!)

Have I got any options left??? We need around a £1000 to see us through until when the bursaries finally decide to process my wifes re-application. Any advice will be more than gratefully received.

I understand that another loan may well be throwing good money after bad but we really are screwed at the minute until the bursary comes through. My wages have covered the majority of direct debits but with more due and no money to live on I am really stuck for a short term solution.

P.S thanks to Burlesque Babe for pointing me to the right category. Moderators can feel free to delete my posting here if they so wish:

http://forums.moneysavingexpert.com/showthread.html?t=1131499

RAS

Hi

if your wife is at University can she check with the student welfare folk as to whether she get a hardship loan or grant?

Then get on the Money Saving Old style board to see what can be done with the contents of the freezer and store cupboard.

Anything that could go to a car boot sale this week-end?

Temporary work?

Burlesque_Babe

welcome barongreenback!!

barongreenback

RAS wrote: »

Hi

if your wife is at University can she check with the student welfare folk as to whether she get a hardship loan or grant?

Then get on the Money Saving Old style board to see what can be done with the contents of the freezer and store cupboard.

Anything that could go to a car boot sale this week-end?

Temporary work?

Unfortunately the Hardship Fund at my wife's Uni (UCLAN) only covers study and not living costs so we cannot apply.

A car boot is not a bad idea mind.

barongreenback

Burlesque_Babe wrote: »

welcome barongreenback!!

Thank you muchly:D

RAS

Have a look here as well

http://www.moneysavingexpert.com/protect/make-money

Burlesque_Babe

anything you can ebay? I think this Thursday is 5p listing day (although best to check that date on the Ebay board)

dotstar24

Hi

I've said this before to other people who are desperate and yes it really is a last resort...pawnbrokers for jewellry. only do it if you know you can get it back in the allotted time. saved me a couple of times!!