Soa

poppyjay

hi sorry got half way thorugh reply and computor die.
the car loan with barclay card i was really thick and did not read what i was signing was told by saleman it was 0% but loan was for £2500 i have to pay £6000 back owe them now£4803.the thing with husband wage is that i think he would lose job complety if we complain and i no they cant do that but the throught of having to go back on jsa i cant risk

RAS

Can you get some work, even if at times when Oh is at home, so that you have some regular income coming in?

chevalier

Sorry but what century does your OH boss live in. There is no way he should just pay your OH when he feels like it! No wonder it is difficult to budget. I would strongly suggest that your OH looks for other work. Or can he explain that impact that this wayward payment system is having on his family?

Will you be able to go to work as well? If childcare is an issue could you do an evening job so that OH looks after your little one whilst you work? Even if it was just until the debt was paid, it would make an enormous difference to your debt free date.

If you can't commit to continuous work, the mystery shopping thread might be for you. Lots of companies listed on there. Or there are online surbey sites, that pay in vouchers or money. Not a lot, but it is easy money to earn, I get about another £20 month from it!

best of luck with sorting your debts.
chev

poppyjay

hi due to illness i can no longer work i have been on sick pay for 6 month just waiting to hear from jobcentre to see if there is anything i can get also applyed for dla waiting to hear but is a big back log on both

Robflh

Hi poppyjay

Contact either of these two charities www.payplan.com or www.cccs.co.uk and explain to them your circumstances and ask them if you would qualify for an IVA (Individual Voluntary Agreement).

You could get up to half of your debt written off, and in five years time you would be debt free.