Hiding your debts? Think you can cope on your own?

Superbiatch

Get a postal order, i'm sure that will suffice

Rochdale_Guy

wannabee_in_credit wrote: »

You can manage without a cheque book surely? I can't remember the last time I ever wrote a cheque (and I've not had a book since I changed bank accounts). The only time I desperately needed a cheque I rang the people and could either take the cash to them, or they gave me their bank details to do an online payment.
Loads of people don't have chequebooks and I'd find it hard to believe your holiday people wouldn't have an alternative way for you to pay. Ring and ask them.

Thanks, but I'm one of those stick in muds who have been going to the same accomodation in the same town with my ex for the last 10 years. We give them a cheque deposit on the last day of our fortnight, then give them a cheque for the balance when we turn up every Summer.

Well - my ex just phoned me up and had a right go at me for being so stupid over money and she wants to finish with me.
HAPPY NEW YEAR.

I'm not losing my deposit and why should I sit in my flat at home all day when I get 5 weeks holiday a year? I may not be able to afford anymore after this, but I'm having these 2 weeks in Wales, even if I sit in that flat for 2 weeks!

What if I need a car repair? My last service and MOT was for £350 as it failed and needed 4 new tyres and stuff. Can't have a credit card anymore and don't wanna carry £350 on me on the bus to pick it up

Rochdale_Guy

FeeFeeDee wrote: »

Dont lose heart RG, there are some that offer a cheque book, I applied to RBS they offer one, but do I remember u saying thats who ur with now?

I am currently with RBS, yes. So are you saying I can have a cheque book FeeFeeDee?

Please can someone clarify this?

Superbiatch

Rochdale_Guy wrote: »

What if I need a car repair? My last service and MOT was for £350 as it failed and needed 4 new tyres and stuff. Can't have a credit card anymore and don't wanna carry £350 on me on the bus to pick it up

You budget throughout the year for it! Thats what an SOA will allow you to do, put it in a rainy day fund

scared-sick

Rochdale_Guy wrote: »

$£%&!!! I need to pay for my pre-booked holiday in Wales, in June by cheque when I turn up (not losing my deposit even if I'm now finished with my other half). This was booked last Summer for June 2012.

What can I do?

Oh sod this, I'm cancelling the Co-Op application if I can't even have a cheque book. Now I'm depressed

Could you not pay for it with cash instead? Im sure most people would preser it anyway.

RG, you need to realise that going on a dmp will not be easy. If it was everyone would be doing it! It is going to have to be a whole lifestyle change for you. That might include no cheque book, no credit card, no luxuries, no current account only a basic cashcard account....but it should no longer mean you are this stresses about money and paying things whilst still trying to put petrol in your car to get to work and having food to eat!!

Hope that doesnt sound harsh, but you WILL need to adapt!

rising_from_the_ashes

Rochdale_Guy wrote: »

What if I need a car repair? My last service and MOT was for £350 as it failed and needed 4 new tyres and stuff. Can't have a credit card anymore and don't wanna carry £350 on me on the bus to pick it up

You get a debit card with the Cashminder account so AFAIK you should still be able to use a chip/pin machine .......

When you do your SOA, you need to include an amount each month to cover all your annual bills / emergencies like the car needing repaired etc and ensure you put this money aside (I'd suggest a separate account so you can't use it by mistake) so that it's there when needed.

wannabee_in_credit

Rochdale_Guy wrote: »

Thanks, but I'm one of those stick in muds who have been going to the same accomodation in the same town with my ex for the last 10 years. We give them a cheque deposit on the last day of our fortnight, then give them a cheque for the balance when we turn up every Summer.

Like I said, my ex just phoned me up and had a right go at me for being so stupid over money and she wants to finish with me.

I'm not losing my deposit and why should I sit in my flat when I get 5 weeks holiday a year. I may not be able to afford anymore after this, but I'm having these 2 weeks in Wales, even if I sit in that flat for 2 weeks!

What if I need a car repair? My last service and MOT was for £350 as it failed and needed 4 new tyres and stuff. Can't have a credit card anymore and don't wanna carry £350 on me on the bus to pick it up

Totally agree. Get yourself away on your holiday, but I'm sure you could get the cash out once you're there and pay then? Or they may have a card machine (couldn't live without my debit card).
And I had a £400 car repair bill 2 days before Christmas, and got a discount for paying in cash (which I carried in an envelope in my inside coat pocket while I walked 30 mins to the garage). So sometimes it works out better.

Rochdale_Guy

rising_from_the_ashes wrote: »

mmmm difficult one - is there a friend/relative you really trust that you could give the money to & write the cheque on your behalf?

I don't have anyone else... just me, myself & I

Rochdale_Guy

Superbiatch wrote: »

You budget throughout the year for it! Thats what an SOA will allow you to do, put it in a rainy day fund

Ooops. Sorry, I knew I would be budgeting for that, I just meant to say don't feel comfortable handing over cash

rising_from_the_ashes

Rochdale_Guy wrote: »

I don't have anyone else... just me, myself & I

Awwwwww sorry RG you've going through a really tough time - facing up to your debts & losing a long term relationship at the same time sucks.....