cant pay credit card bills, no job

leroy1985

so i have 2 credit cards both owe about 500 pounds, i was doing fine but now have no job and no money coming in what so ever, im trying hard to get a job but get no replies, im from the uk, the companies are capital one and aqua, ive so far missed 1 payment each on them, not sure what to do, i was just gonna ignore them and only respond if a letter saying i have to go to court comes, the reason is i cant make any type of deal as i cant pay a penny, i live with my parents still too, might be homeless soon. i just hate worrying all the time

McKneff

Are you claiming JSA, if not you should apply for it.
You should be able to make minimum payments from that.

Could your parents help you out. Dont bury your head in the sand, defaults stay on your credit file for 6 years and you wont be able to get credit for a long time. Court judgements will only make matters worse.

eyeopener2

Get in contact with them, explain the situation and when you claim JSA offer them £1 each till your sorted. Hopefully this is just a temporary between jobs, after all if you haven't got anything they can't have anything.

The potential homeless situation is a much worse situation than a couple of credit cards. If this is going to happen get in touch with your local council ASAP, they will have a dedicated team that will help you (and they will).

leroy1985

would they take me to court over 500 pounds

DCFC79

leroy1985 wrote: »

would they take me to court over 500 pounds

Who knows, McKneff has posted some good advice and so has eyeopener2

leroy1985

yeah it is sound advise, cant go on jsa, so thats out the question, geting a job is my only hope and im not having much luck there

DCFC79

leroy1985 wrote: »

yeah it is sound advise, cant go on jsa, so thats out the question, geting a job is my only hope and im not having much luck there

How come you cant go on jsa ?

If your not having much luck with jobs then apply for jobs you wouldnt neccessarily think of applying for.