Need Some Help ASAP!

Quincifer

Hi,

I'm not sure whether this is the place to come for advice on this but I need help ASAP.

Basically from D/Ds going out I have gone £100 over my overdraft limit. I was on my work's christmas do last night and went to the cash machine to see if I had any money to get a round in and discovered it.
It's because my rent, electricity, council tax and water bills have all gone out at once and now I'm panicking.
I still have 3 more week's of getting to work before I get paid again so I also need £45 just to get to work to earn any money!!!
I don't know what to do and it's just typical that its happened at a weekend when nothing is open!
Please someone tell me what I can do, I've looked at those cash loan companies like provident, its so much to pay back in the long run but I'm desperate!!!

Before you ask, I can't up my overdraft and I live on my own (family live abroad) and none of my friends have that kinda of money at such short notice (especially before christmas) so I have no one I can ask for the money.

Help me, I'm so worried

x

cantcope

Do your direct debits not normally come out now? Mine come out the same day every month so not sure why it would be a shock. Other than borrowing (which you say isnt a possibility) i'm not sure what to suggest. Didnt want to read and run.

Can you call someone from work to see if they would give you a lift to and from work? If you explain that otherwise you can't get there i am sure they would help you out if possible.

Quincifer

I can probably get a lift to work yes, but as we work flexi time it's going to be hard to keep up with someone else's working pattern.

I'm more worried about the £100 over my overdraft, I'm scared of what will happen. Surely someone can help me out on this??!!

fairydiamond

Is there anything you can sell? I know it isn't very nice but if you are desperate can't you find anything?

Quincifer

Ummmmm not really, I mean I have cds + dvds but they are worth nothing on ebay or anywhere nowadays because of people downloading and stuff...
The credit crunch isn't helping me at all right now!!! *cries*

carlita

did something you weren't expecting come out of your account?

fairydiamond

How about asking your bank to increase your overdraft just to cover the £100 you are over by?

Miss_Piggy_2

Surely your DD's go out the same day each month so you must have been exoecting them to go out?

All I can suggest is speaking to your bank and seeing if they can extend your overdraft.

Miss P
xx

poorandindenial

hi hun

you need to speak to your bank ASAP but you also could try to get an advance from work. BUT if you do get an advance you have to be really careful to budget for it next month

Apart from this hiccup, are you pretty financially stable and able to meet any regular payments etc???

Quincifer

Yes, it was my own fault - I know that! I knew they were going to go out but it all happened too early.

No chance of an up on my O/D because its already at as far as it will go.
Can't get an advance from work, I already looked into it. I've also looking into a crisis loan from my union but they won't pay out towards debts
I knew things were going to come out but not this early. It's my own fault, I took my mum out for her birthday at the start of the month because I hadn't seen her for weeks and we had dinner (£30) and I bought her some stuff in primark (£20) as well as train fare for both of us (£10). The rest is a charge from the bank.
I can't ask her for any of the money back because she doesn't have it to give. I've even opened my christmas cards early to get the money from that and it only gave me £10
I'm going to take back a christmas present which will get me £9.

So far I've counted up the change in my pot and got £7, sold a HMV voucher for £10, got £5 back owed to me and £10 early christmas money. That equals £32 and I need £45 to get to work until payday before I even think of paying off this £100. It's hopeless.

carrottopsuk

Do you have enough food to survive or money for food etc? If not you may want to consider asking for a crisis loan if you are in an emergency and you've checked no one else can help. You don't need to receive benefits to be eligible. More info below from the government website:

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018856

Good luck