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Received a letter today asking for £189.62

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This is the letter i received today, am i wrong to think this is unfair?

I've been over my overdraft quite a few times over the years and I've never received this letter before.

I'm currently trying to pay off £400 with no job or no income at all, and it's extremely difficult and very depressing. Receiving letters like this does not help.


What should i do :(


Thanks
Live Long and Prosper!

Comments

  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Perhaps they have noticed that your circumstances have changed if you have lost your job recently?

    Not sure why you have no income, do you not qualify for JSA?

    You have my sympathy
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Konspiracy
    Konspiracy Posts: 12 Forumite
    chevalier wrote: »
    Perhaps they have noticed that your circumstances have changed if you have lost your job recently?

    Not sure why you have no income, do you not qualify for JSA?

    You have my sympathy
    chev


    I've got no income at all at the moment because of 2 full time courses. I've got a college course and a university course, I'm living off my parents at the moment, I'm 20 years of age, I can't get any Education Maintaintance Allowance and I can't get JSA because of my courses, I've been looking for weekend work but so far nadda.
    Live Long and Prosper!
  • donner_kebab
    donner_kebab Posts: 1,567 Forumite
    Hello Konspiracy,

    I am sorry to hear about your letter. Are you able to apply for any kind of funding from your Uni or College? When I was at Uni, I had to claim some money from the Hardship Fund. I didn't have to pay this back either. Also before when I went to College, I was able to claim a small amount from their equivilant of the Hardship Fund. This may be able to help?

    Luv the Kebabmeister x
    :j 'Proud To Be Dealing With My Debts' - DFW Nerd member 866 :j
  • planbetter
    planbetter Posts: 52 Forumite
    Part of the Furniture Combo Breaker
    Must be hard for you living at your parents and getting this through. Make sure you phone up the Halifax and explain. Go to the Citizens Advice Bureau - they mediated for my ex husband when he got himself in a pickle. The main thing is don't do nothing.

    Is there a local free paper you could deliver? I delivered one for a while and the money is not bad and you get plenty of fresh air.

    Good luck
    http://www.moneysavingexpert.com/img/ml-thumb-spin2.gif
    :money:

    Proud to be dealing with my debts
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