My Mum's Money Troubles

freetobeme_2

I've not got the job . They phoned about 10 minutes ago, to say that I hadn't got the job and that there was someone with more experience than I had.

Well onto the next one - well hopefully. I've just applied for a job as a receptionist at the fire station and for one in a children's centre.

Thanks though

freetobeme_2

hi, I was just wondering if someone could please give me some advice.

My mum was thinking about about getting a loan to pay off the catalogue debt that we have. So then she would only have one bill (the loan) to pay off.

We went on the moneysupermarket site to look at the loans and it brought up Halifax which wouldn't proceed from the site and the Nationwide, which declined my Mum. We also tried looking on the Halifax website as that is who my Mum banks with, but the quote on there was higher than it was on the moneysupermarket.

We don't know what else to try and so was wondering anyone had any ideas. Thank you in advance.

savingholmes

If you are getting declined do not apply for any more credit for at least a few months as otherwise your record looks worse and worse. If you do change utility company or mobile phone - please use a cashback site. Personally I use quidco...

PasturesNew

freetobeme wrote: »

We live in a council house

You must do everything possible to get the rent up to date and keep it up to date. Never let a council house slip through your hands.

Even if it means everybody working 3 jobs.

freetobeme_2

Hi, thank you for your replies.

My mum has contacted BT and we now have a pin on our phone that blocks calls to mobile phones and priemium rate numbers. We've also thrown the pin away so it can't be used to unblock the phone.

I know that my mum now gets housing benefit, and council tax benefit but is paying off the arrears each week. We've been in our council house for 12 years and so would hate to lose it. I've applied for more jobs this week, at Boots, Woolworths and a couple of other stores in town.

Thank you for the tip on now applying for credit for a few months. We did only just try this afternoon with Nationwide, but will leave it for a few months. Hopefully I can get a job and help my mum out more.

Thanks for everyone's help. If it's alright I will keep this as like a diary thing.

Jacks_xxx

:wave: CCCS would be better than a loan sweetie - have you spoken to them yet?

Or filled in the debt remedy online tool to see what it suggests?

https://www.cccs.co.uk/debtremedy/(S(t3vcnljkidkdp445wvumsv2a))/start.aspx?hp=7

I think a diary is a great idea chick - I'll be keeping up with it.

Love Jacks xxx

RAS

The other think to check out is whether you have a credit union in your area?

They may offer a small loan that would pay off the worst catalogue debt at a lower APR. You need to find out their rules as some accept people with expensive debt without savings and others insist on small savings beofre they will lona out.

freetobeme_2

Hi how would i find out about credit union, I've heard about them through the BBC's The One Show and mentioned them to my mum but don't know how to find out if there was on in our area.

I filled in a form on the CCCS site, but haven't spoken to them yet.

thanks again.

edits:
just wanted to say found out that we do have a credit union in my area, I've saved their website to my faves and will get my mum to contact them tomorrow.

POSSETTE

you sound like your doing everything correctly and listening to the folk on here..well done luv! you have a sound head on your shoulders now and that will see you through anymore hassles life throws at ya...andit will...just out of interest,where in country are you?

freetobeme_2

Thanks I'm just trying to help my mum afterall we've(me and my sisters) have helped her to get into debt, with buying us things throughout the years and so it's time for me to give her something back and for my to help her in everyway I can. I'm in Halifax, West Yorkshire.