Newbie Needs Help Please

numb3rs

Hi,

I'm in a bit of bother at the moment.

I've just lost my job due to longterm sickness.
I lost my job today - hence this post.
I'm going to be on benefits I guess for a while.

Here's my current situation.

Rent £ 300 p/m (living with parents)
Sky £38 p/m
Phone £20 p/m
Pet food/insurance £25 p/m
Petrol £50 p/m
Car insurance £20p/m
Other £100 p/m
IF loan - £4000 (£300 approx outstanding)
First Direct Loan - £15,000 (£9000 outstanding)
Egg Credit Card = £4200
Capital One credit card - £800
Mint Card - £3300

Total = £23,000 (approx)

I've never missed a payment & always paid off past loans with no problems.
If I hadn't lost my job - I would have carried on as I am & eventually paid the lot off.
Now I'm scared - not sure what to do - don't know how much benefits will be etc.. or how I'm going pay for things.

I was going to write to all my creditors telling them my situation & hoping they'll be understanding - but I'm not sure if thats the correct thing to do.
I've heard about Payplan - would they be able to help me in this situation?

I have one more pay day of £1300 on the 30th of this month then - I'm going to have problems.:eek:

Telling my parents isn't an option - I'd prefer to keep them out of it - my Dads recently had to pack in work due to back problems.

Any advice very much appreciated - would especially like to hear from somebody who's been in a similar situation.
Only found these boards 2 days ago - you seem like a nice bunch.

poppy_f1

sorry to hear
firstly i'd cancel sky of if you cant cancel at least downgrade your package
phone is that a mobile or landline and can you cancel it

is selling you car a option - saves on petrol and insurance

someone else will come along with other ideas im sure

lynzpower

theres 2 threads running the same here