What are my options?

lazer

Option 1:

Sell anything you have that could get over £50 for
What sort of TV do you have - must of the newish ones could probably fetch at least £100 second hand
Other things - mobile phones, laptops, Ipads - get these things on gumtree immeadiately.

Old clothes - take thm to cash for clothes shops.

Borrow as a last resort.

Do councils still do crisis/Hardship loans - I don't think you have to be on benefits to get it.

Borrowing options

Open a new Bank account and see what kind of overdraft you get offered?

And final question - what sort of bills are you paying that your Direct debits excluding rent are £400 - can you cancel anything?

lovely-cup-of-tea

Hi Lazer and thank you. I'm going to ask the CU about a hardship loan when I call back today.

We don't have much that's saleable

It's not that we have DD's of £400, we have a shortfall between what will be in my (overdraft) account and the rent.

I'll be calling the CU again in half an hour so will hopefully not have to go knocking a [EMAIL="w0ng@'s"]w0ng@'s[/EMAIL] door.

lovely-cup-of-tea

Opinions4u, I hear what you say but a bit like your strap line says I don't want to disadvantage someone just because we're in a pickle.

opinions4u

lovely-cup-of-tea wrote: »

Opinions4u, I hear what you say but a bit like your strap line says I don't want to disadvantage someone just because we're in a pickle.

And I genuinely admire you for it.

lovely-cup-of-tea

I just wanted to thank everyone who took the time and trouble to respond to my query last week. At the last minute a payment went into my account early which means I'm able to pay my rent today. Phew! I will still need help from the credit union but the immediate pressure is off.

I never want to feel such dispair again but the experience has taught me and OH some valuable lessons about planning and not leaving things until the last minute.

worried48

Very glad to hear that. I know what it's like!