feel sick

david_hellier

Hi,

I would advise you not to borrow any more money or take out any more cards. Post your SOA so we can help more and nibble away at the od.

anh1904

Having maxed out the overdrafts 3 weeks before payday, there should be some alarm bells ringing in terms of budgeting or the fact this has been getting ever nearer in the previous few months.
You probably need to take a look at your income and expenditure in a little more detail (either on your own, or there are some very knowledable people on here who can and will help) or you might find that whatever relief you find this month is only temporary.
Good luck.

bank_of_slate

PARIS_5000 wrote: »

I know that you should not add to your debt but you can apply for a sub-prime credit card that are for people with poor credit rating such as Aqua,Capital One and Vanquis. I would use the card only to buy food and pay back in full at the end of the month.

This should be the absolute last resort to be avoided at all costs!!!!!



Open another basic bank account for your wages to be paid into!

Have the bank charged you for going over the limit, declining payments or paying out despite there not being enough in your account?
If so, get a hardship claim in (See Martin's reclaiming guide!)
...Linda xx

PARIS_5000

bank_of_slate wrote: »

This should be the absolute last resort to be avoided at all costs!!!!!



Open another basic bank account for your wages to be paid into!

Have the bank charged you for going over the limit, declining payments or paying out despite there not being enough in your account?
If so, get a hardship claim in (See Martin's reclaiming guide!)
...Linda xx

I only made this suggestion so that she can at least have some money to buy food. I have a capital one card and when I have been short of money before payday I have used it for emergency only and paid it back in full so I have never paid any interest. If there is a better option such as borrowing money from friends or family then she should do that and I did say in my post that she should not add to her debt.

These high rate credit cards should only been used for small amounts such as 50 pounds and always paid back in full. This is only my opinion she does not have to follow my advice.