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Need to find £500.00 by 4th December =(
dfw_lou
Posts: 31 Forumite
Poor budgeting and using pay day loan companies has meant I can't afford to pay my rent. I can't borrow any money from anyone and I'm trying to sell things within 3 days to make sure I can pay my rent etc.
Any help or advice would be greatly appreciated.
L x
Any help or advice would be greatly appreciated.
L x
0
Comments
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Would this be a short term fix? When would you be able to pay the £500 back?DEBT FREE AND PROUD
'Better to remain silent and be thought a fool than to speak out and remove all doubt'0 -
sistafromanothermista wrote: »Would this be a short term fix? When would you be able to pay the £500 back?
It would probably take me until February to have it all paid back, potentially January if I can get approved for more overtime.0 -
Could you ask any family members to help?DEBT FREE AND PROUD'Better to remain silent and be thought a fool than to speak out and remove all doubt'0
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sistafromanothermista wrote: »Could you ask any family members to help?
I only really have my mum, and she is in deep trouble herself. I have a great uncle, but I don't know how to approach the subject with him. I saw him yesterday for the first time in years, and I'm seeing him tomorrow and fixing his PC for him.
But I have no idea what to say x0 -
I only really have my mum, and she is in deep trouble herself. I have a great uncle, but I don't know how to approach the subject with him. I saw him yesterday for the first time in years, and I'm seeing him tomorrow and fixing his PC for him.
But I have no idea what to say x
Start with "Hi" "seen as though iv`e fixed your pc for you, how about lending me £500 till February ?" Mmmm maybe not ? is it just the one rent payment you are behind ? if so stop paying your payday loans and pay double rent next month, you should never put paying PDL`s over and above your essential living expences, easy to say I know but if you miss a payment to a PDL you may get calls and texts etc, miss your rent you could be out on the street, no brainer really.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »Start with "Hi" "seen as though iv`e fixed your pc for you, how about lending me £500 till February ?" Mmmm maybe not ? is it just the one rent payment you are behind ? if so stop paying your payday loans and pay double rent next month, you should never put paying PDL`s over and above your essential living expences, easy to say I know but if you miss a payment to a PDL you may get calls and texts etc, miss your rent you could be out on the street, no brainer really.
Unless they automatically take the payment.....DEBT FREE AND PROUD'Better to remain silent and be thought a fool than to speak out and remove all doubt'0 -
Are you able to ask your bank for a temporary OD? Or upgrade your bank account to one with an OD if you dont already have one that has an OD?0
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Thank you both for your replies.
Would I need to tell the letting agent of my intention? My concern with this is that I've just applied for a 6 month extension to my tenancy agreement. In June my friend is buying a house for me to rent off of her - which is great as I wont need to pay a deposit or be overly worried about affordability as my partner is moving in with me then too.
I am currently trying to set up CAT with my bank, we shall see how that goes as I know they are an absolute nightmare to stop!
My rent is due on 4th December, so I'm not currently in arrears xx0 -
WantToBeSE wrote: »Are you able to ask your bank for a temporary OD? Or upgrade your bank account to one with an OD if you dont already have one that has an OD?
My bank wont touch me at all =( No limits available x0 -
Well dfw_lou, it looks like the other option is to sell some things. Have you got anything you could ebay? or cash converters?DEBT FREE AND PROUD'Better to remain silent and be thought a fool than to speak out and remove all doubt'0
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