Options?

JCCCC

Hello

I am currently looking for work (temp or perm) but the agencies say things are really slow at the moment and nothing might turn up until after Christmas.

My outgoings are £170 bills (due at the beginning of each month) including a loan of £1000 from Natwest which is half paid off.

Natwest overdraft limit - (£1000) - currently (£730)
Natwest credit card - (£1200 limit) - currently (£1050)

My bills will be due around the 1st December so that'll leave me (£900) which means I won't be able to pay next months bills!
I have had to sell my digital camera and my ipod and my CD collection and I have nothing left to sell!

What are my options? I just need a few hundred pounds to tide me over until end of January when I will hopefully have some kind of gainful employment.

Is it possible for me to open a new account with another bank (so I can use the overdraft to tide me over) or will they refuse me due to not having a job or due to my credit history? I have an Alliance & Leicester First Save Account but don't think it has an overdraft facility.

Also, I haven't been in the country for a long time so not sure if I qualify for jobseekers allowance due to lack of National Insurance contributions.

Any help would be appreciated.

98jdougl

worth phoning up to see if you can get any benefits

Try posting a full SOA for the people on here to have a look at

JCCCC

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 0

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 25
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 0
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 7
Entertainment........................... 45
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 77

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Overdraft......................730.......0.........0
Credit card....................880.......19........15.9
Loan...........................600.......51........20
Total unsecured debts..........2210......70........-

Monthly Budget Summary
Total monthly income.................... 0
Expenses (including secured debts)....... 77
Available for debt repayments........... -77
Monthly UNsecured debt repayments....... 70
Surplus(deficit if negative)............ -147

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -2,210
Net Assets.............................. -2,210

I live with my parents but they're away until January.

firesidemaid

surely, you must be entitled to some income/benefits?

can your parents not help in any way?

JCCCC

My parents can only really afford the food + bills for the next 2 months. They're in Ireland visiting a sick relative. One is retired the other has just been made redundant.

looktothefuture

Which country are you from? SA perhaps?
Are you on a visa? Ancestoral?

If you are, you have no recourse to public funds - ask me I know! I can't claim any benefit at all even if I am out of work!

You've come to the right place to find some advice!

JCCCC

I'm British.

looktothefuture

ok then as far as I know, you will be entitled to job seekers - get yourself an appointment at the job centre and they'll sort out what benefits you are entitled to...

You did say you've not been in the country very long so I assumed you were here on a visa or some sort! Sorry!