Okay here goes...

~*Plushroom*~

Well my problem is nothing compared to some I've read on here, I don't know how you all cope but good on you for being able to!

My issue is I am 2 (though they say 3 and that's incorrect) months in arrears on the rent due to some issues with Virgin Media taking a lot more money than they should have. I have been writing and calling for so long but nothing seems to be happening with it.

I leave my tenancy here on June 30th but obviously the rent is an issue as they could take me to court over it to claim it back.

I'm currently sorting out getting a job over the next two weeks (Applying anywhere that on the offchance my take me) and will be able to pay the rent back before the end of August at the latest (As I'd be employed full time). I'm also getting a much cheaper place to live next so that should make things easier.

However as I cannot pay them the 2 months arrears straight away what would be the best cause of action? I have the funds for this months rent and bills, and the funds for another month to pay out some of the arrears. Should I pay that now to get one month out of the way or what?

Would it be useful to contact the CAB to aid me in this matter, both in trying to get the money back from VM and in sorting out a manner in which to pay the rent back?

I've looked into getting a small loan out, but due to someone taking out cards in my name and someone stealing from my bank account via the internet my credit rating is terrible. Would a small unsecured loan be an idea as then I could pay off the rent arrears (I'd pay 3 instead of the 2 I know I owe just to get them off my back as it'd be cheaper in the long run) and then pay back the loan over the coming months which wouldn't be a problem.

I've heard that certain organisations can talk to the people you owe on your behalf and sort out a payment plan for you, would this be a better option?

I currently have £800, and my rent is £275 a month. It appears I have to get more into debt to get out of it, but I'd rather do that now whilst it's a small debt than let it get out of hand.

weegie-dfw

I would pay what you can to your landlord as it may buy you the extra time you need, if you write a letter to them explaining the situation and maybe outlining a repayment plan.

The other option is to see if your bank will give you a overdraft to cover it, again in agree to pay it back once you have the funds.

I would get in contact with my local CAB office and see if they can help you with the other issues such as Virgin media and also your credit rating. I know you can put a note on your credit file to explain that your rating has been compromised due to no fault of your own, which should help if you do need to apply for credit.

There will be other people who maybe able to help you more.

~*Plushroom*~

weegie-dfw wrote: »

I would pay what you can to your landlord as it may buy you the extra time you need, if you write a letter to them explaining the situation and maybe outlining a repayment plan.

The other option is to see if your bank will give you a overdraft to cover it, again in agree to pay it back once you have the funds.

I would get in contact with my local CAB office and see if they can help you with the other issues such as Virgin media and also your credit rating. I know you can put a note on your credit file to explain that your rating has been compromised due to no fault of your own, which should help if you do need to apply for credit.

There will be other people who maybe able to help you more.

Thank you, that's a great start to me sorting this out. I'll admit i should've had this sorted out a month ago, but I was under the impression that I'd have sorted things with Virgin Media and thus been in a position to pay it already.

My plan is to try and figure out everything I'm going to do to start sorting this out and then begin the process first thing on monday.

~*Plushroom*~

Okay, well it's monday and so far still waiting to hear from others if I'm on the right track - I hope of course that I am!

I applied for a loan a few days ago out of panic and the company they picked out for me was Churchwood financial. I've had a look at a review of them that's very positive, and they have contacted me but I keep missing their call!

http://www.dooyoo.co.uk/financial-advisers/church-wood-financial/1027060/

So does this look like a good start for me then? I know that there are ones that don't charge, but as this is the one that's gotten back to me and the review is so positive I think this might be the one to give the go-ahead.

So far I think it should be very easy to be debt free before Christmas, so long as I don't bury my head in the sand. I know my debts are hardly anything compared to others, but it's still a big deal.

Anyone got any advice on what else I need to do?

lynzpower

~*Plushroom*~ wrote: »

Well my problem is nothing compared to some I've read on here, I don't know how you all cope but good on you for being able to!

My issue is I am 2 (though they say 3 and that's incorrect) months in arrears on the rent due to some issues with Virgin Media taking a lot more money than they should have. I have been writing and calling for so long but nothing seems to be happening with it.

I leave my tenancy here on June 30th but obviously the rent is an issue as they could take me to court over it to claim it back.

I'm currently sorting out getting a job over the next two weeks (Applying anywhere that on the offchance my take me) and will be able to pay the rent back before the end of August at the latest (As I'd be employed full time). I'm also getting a much cheaper place to live next so that should make things easier.

However as I cannot pay them the 2 months arrears straight away what would be the best cause of action? I have the funds for this months rent and bills, and the funds for another month to pay out some of the arrears. Should I pay that now to get one month out of the way or what?

Would it be useful to contact the CAB to aid me in this matter, both in trying to get the money back from VM and in sorting out a manner in which to pay the rent back?

I've looked into getting a small loan out, but due to someone taking out cards in my name and someone stealing from my bank account via the internet my credit rating is terrible. Would a small unsecured loan be an idea as then I could pay off the rent arrears (I'd pay 3 instead of the 2 I know I owe just to get them off my back as it'd be cheaper in the long run) and then pay back the loan over the coming months which wouldn't be a problem.

I've heard that certain organisations can talk to the people you owe on your behalf and sort out a payment plan for you, would this be a better option?

I currently have £800, and my rent is £275 a month. It appears I have to get more into debt to get out of it, but I'd rather do that now whilst it's a small debt than let it get out of hand.

Am I right in thinking that you are not earning at the moment- you are not working?

Have you ever done a SOA before ( income/outgoings/debts)

Things do seem to be all over the place for you? #