Hep with my previous CC application's

Mental_State

Hello all

Im after alittle advice about my past successfull applications for credit, to ethier put my mind at rest or so i can make the right decisions regards this problem.

Ive been out of work now for over a decade due to mental health problems which i still struggle badly with today, ive been on gonv benifit thou out this time. But 6 years ago i thought i would try to get credit, this ended up with me having a loan and several creditcards and a couple catalouge accounts plus an overdraft. None of theses except a capital one card had options within the application form for my being incapable off work and on disabilty benifits, at the time i wouldnt except (still dont) i was unemployed as i was unable to work so i never choose that option.

I been living off very little money for the past year in an attempt to become debt free, atm i only have and 1.5k overdraft and 2 creditcards totaling just over 4k. I plan to be debt free before the middle of 2012.

The problem im facing atm is there a real chance my benifits could be under attack by the gonv. cuts which in the best outcome would only leave me with paying the minimum payments each month and living off £30 a week which would last about 1 year, this can just sustain me. But if the worse happens or i cant live of such a small amount of money, what repercussions could i face about the application form issue.

For the bank overdraft as it was increasing i always selected "home maker" as i thought this was closer to my status than unemployed - on the 2 creditcards i think i would have selected "other" and put the address of employer as the benifits office i recieave my benifits from - this is all i was able to select as i didnt except myself as being unemployed rather unable to be employed.

If i had to write to the companies and say i cant keep up with the minimum payments, will this cause me any problem or maybe i dont even need to mention i was only ever on benifit or just as of now im finacially worse off?

Please dont tell me i jumped into the lions den without my invisability cloak.

Thanks in advance
anonymous

PNPSUKNET

so you commited application fraud,

Mental_State

PNPSUKNET wrote: »

so you commited application fraud,

I commited nothing, did u not read my post?

Some help would be nice, tho unhelpfull posts like above = please feel free to keep your opionions to yourself.