Overdraft worries

Odette

Hello everyone, Im mostly a lurker but keen DFW. Ive taken part in challenges and tried to raise money with ebay and quidco. The real problem is I have just finished uni and have been unable to find a job in the current situation, at the moment I am on JSA and while training (unpaid) to be a phlebotomist. My only outgoing is £30 per month on my phone and travel expences (public) I dont own a car, or property, I live with my parents who dont charge me rent.

During uni I amounted some debt via overdrafts, now one of them (£1000) is being called in, by this time i had expected to have been working for months. I have no means to pay untill i finish training and my parents are more than helpful and generous with their money, but i know that even the £20 my mum asks me to take sometimes is difficult to spare.

Whats going to happen? Theres no way I can pay at the moment and something like this has never happened to me before, im really scared, will I be bankcrupt? Im only 22! Should I get a loan to pay it off in the hopes ill soon be working? My total debt including the overdraft above but exluding student loans is about £2300

Please help.

Ode

Happytogetdebtfree

hi ode, keep looking on the nhs website for phleb jobs, something will come up...... try to move your overdraft to a 0% overdraft so what you pay is all on the overdraft dont be hasty in getting a loan what if you dont have a job, why dont you get a part time job for now and bring in some money at least ?? or clean for family iron or something :P keep positive :P xx

learning_to_drive

Give mystery shopping a go? A lovely thread on up your income, plenty to be doing, if they have called it in, explain you will pay a min of £40 or whatever and just pay in what you can.

They cant have what you dont have.