Unemployed, can't pay overdraft :(

sw85

Hello,

I've been unemployed 2 years in December and actively jobseeking since. I've gone over my overdraft limit with my bank and I can't pay it as I have zero income.

I can't claim Jobseeker's Allowance because I've tried before and was refused due to my husband 'earning too much'. He has a part-time retail job and we struggle to make ends meet at times. We receive tax credits, Housing Benefit and my husband receives Disability Living Allowance.

Is there anything I can do at all concerning the overdraft? My husband has paid some of it, but I can't expect him to keep paying. I'm afraid to contact the bank in fear they'll demand all the money off me.

Thanks.

AP007

Where you using the overdraft when you had a job?

ZXjon

Why not try to apply for part-time jobs first? You can find or you will be offered full-time or permanent job soon. Just don't give up.

agrinnall

Go to the Debt Free Wannabe board and seek help there for what to do about the overdraft.

Savvy_Sue

sw85 wrote: »

I can't claim Jobseeker's Allowance because I've tried before and was refused due to my husband 'earning too much'. He has a part-time retail job and we struggle to make ends meet at times. We receive tax credits, Housing Benefit and my husband receives Disability Living Allowance.

Is there anything I can do at all concerning the overdraft? My husband has paid some of it, but I can't expect him to keep paying.

I just don't understand this. You're married. If that means anything at all, it means you're partners - did your vows not include the words 'for richer, for poorer'? Or are those now optional?

So, together, you need to sit down and put all your finances on the table, and work out how you're going to survive. Even if you've done 'his money pays for this, my money pays for that' until now, you have to be in this together, at the very least until you find another job!

JSA, Tax Credits and HB all assume that your finances are joint. I don't see how you can function on any other basis if you have no income.

agrinnall wrote: »

Go to the Debt Free Wannabe board and seek help there for what to do about the overdraft.

very good advice. Link to DFW board.