On Benefits. Can't make ends meet.

HG1

Hi. I was wondering if anyone had any suggestions.

I am disabled and get income support and disability Living allowance. I can't get any help with my rent payments because i live with my parents.

I can't afford to pay my loan and my car repayment. Neither the bank or the car company will renegotiate.

When I took out the loans i was working and able to pay but now i am not working and i just can't make ends meet. In total i owe around £20,000.

Any ideas?

whitewing

Hello and welcome HG,

The DFW's will ask for a Statement of Affairs (see Southernscouser's sticky on the debt free wannabe forum), so it would be good if you could get started on that until the experts come along....

fermi

As said, posting an SOA will allow everyone to get a clearer picture of your situation.

See here for a guide on the sort of info to include: http://forums.moneysavingexpert.com/showthread.html?t=107280

It would also be really worth getting some free professional advice on your situation.

[SIZE=-1] You can contact: [/SIZE]

• [SIZE=-1]The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 111 (highly advised) [/SIZE]
• [SIZE=-1] Your local CAB Office and ask to speak to a 'money advisor'.[/SIZE]
• [SIZE=-1]National Debtline - Tel: 0808 808 4000[/SIZE]
• [SIZE=-1]Payplan - Tel: 0800 917 7823.[/SIZE]

These organisations can give you advice on your debts and the best options/approach to deal with them. The are run by national charities or a 'not for profit' trust so the advice they give will be impartial.

robbond55

Hi there, sorry to hear about your situation.
You have done the right thing though coming on here, I am sure a great number of people will be able to advise you.
I was just wondering however how long into your car agreement are you? I believe if over half has been paid you can just hand it back to them and the debt will be cancelled.
Also, do you receive higher rate mobility in your DLA? If so you could qualify for a car under the motability scheme.
And, at least under Motability all you pay for is the petrol, no tax,insurance, servicing and no MOT costs and no breakdown costs!