have a £1000 overdraft and can't pay it back

HockeyDuo8083

Have a look on the Debt Free Wannabe Thread; that lot are an inspiration! 'Payment a Day' and 'What small DFW things have you done today' are great reads.

Good luck, a grand is not the end of the world. You can do it:A

Maybe a SOA would help? That way peeps can have a look and offer advice - https://www.makesenseofcards.com/soacalc.html

becky678

Ive now had a letter from bailiffs saying that they will remove my goods to recover the debt. Thanks for all your information!

bookworm1363

You have? Are you sure that it's not just a threatogram from a debt collection agency? Can you name them, please and say what it says on the letter exactly? We can advise you on the next step... Bear in mind that it is highly unlikely that they could send bailiffs without you having been taken to court and having lost the case, and your post didn't indicate that this was anywhere near this.

Don't panic. Post the name and the content of the letter and we'll take it from there.

Lokolo

Get a loan?

Walkinshaw

How much is your total debt - with the others added on?

Perhaps if it is below £15,000 and likely to be under £15,000 for 12 months you could consider a Debt Relief Order with the CCCS or Payplan etc?

glider3560

Going back to the cutting back again, make sure you buy value brands for absolutely everything. They may not be great, but at least you'll start saving some money there.

Check you are receiving all benefits you are entitled to, especially Job Seekers Allowance.

And finally, keep looking for a job. Don't give up! Try registering with some agencies, as even temporary work should help you out a little bit.

Ste_C

becky678 wrote: »

we cant cut back on anything at the moment, we are behind with all our bills, we don't go out, we just buy what our children needs.

How much are you paying for your internet connection?