Wages will be 3 months late - advice needed

EdW_2

My advice would be if you don't want a new job.

1) Your company has, of course, broken it's contract by failing to pay you on a contractual date. This means, of course, they are also liable to cover any bank charges or other fees. Although you presumably enjoy your job, I'd also make them aware of the pressure this will cause and the potential cost to them. Reasonably they must cover this.
2) Then, if you have defaulted, pay what you owe and write a letter to be added to your credit file around what happened. I am unsure on what difference this may make, but it may help you obtain credit in the future.

One thing you could possibly do, in the worst case scenario - and if you 100% trust your company to pay you, would be to take a credit card with a very low % fee (even 0%) and use that to pay Tesco, then clear the balance when paid. This would, of course, be a gamble - unless you were going to be paid.

Of course, the above is possibly irrelevant - if you don't believe you will be paid, or paid 100%, however much you love your job, then it's time to get out - you cannot live a life on not being paid, let alone a credit life (what about food, rent, council tax, phone bill etc.)?

As for another job, well, if you are a manager, and work in what I would suggest is a demanding sector, you'd be attractive to other companies. If you are an effective manager, you can manage anything, in any job - and I'd say your commitment and back ground of role would increase the attractivness to any potential employer.