need loan/credit card/overdraft - unemployed - should have money to pay it back by ma

stuckinamoment

*without a deposit

stuckinamoment

just to add to my bad day, my current overdraft that i have been using with natwest have just asked me to contact them as i havent been paying in.

andyfromotley

Why cant you work until march?

DCFC79

stuckinamoment wrote: »

just to add to my bad day, my current overdraft that i have been using with natwest have just asked me to contact them as i havent been paying in.

That's the thing with overdrafts the bank can withdraw the overdraft option. Maybe its not about the overdraft.

stuckinamoment

the letter says about not paying in, its from the debt department. it sounds not too strong worded at.
aparently they have tried to contact me before but havnt been able too?

Superscrooge

stuckinamoment wrote: »

i know it sounds like not a good idea to have a pile of cash, right now it feels like the only way

i will look into speaking to CAB or emergency housing i think as a last resort

I think speaking to CAB or emergency housing is a better idea than keep trying to take out further loans or overdrafts.

Firstly I don't think you would get them, as you have no means of paying them back. Secondly if you did, the interest rate is likely to be very high, which will just push you further into debt.

m4rc

It's tricky as there have been so many huge funding cuts to national and local mental health budgets, but it is worth trying to get some crisis help. You will have a crisis or intervention team locally, they could come in one of a few forms, as I don't know where you live (I don't need to know, I'm not prying) I can't tell you who specifically to talk to. Here are a few things you can do.

Go to your GP. Make an appointment, ask for a double appointment so you don't have an 8 minute rush slot. Explain you need some advice, take ANY help offered. You may be offered counselling, medication, referrals. Say 'yes please'. If you say no to all of the help you won't get far in the system.

You can try your CAB, personal I have never found them much use for things like mental health support or crisis intervention, I think you will come out with a few leaflets that don't really help much.

Contact your local MIND service, and you could try RETHINK if there is one locally. Talk, ask questions, explain.

Contact your local social services, ask what they have available - they may have a crisis team, they may well contract the work out, they may not give a damn and have no funding for anything but ask.

None of the above will give you £1500, but then in all honesty I don't think anyone else will either, certainly not a bank. You need to strip everything back, get so,e help and support and see what other options there are. There is always something, it won't be what you want, you won't b given a place to live I'm pretty sure, but there may be support so,ethereal. Depending on your specific mental health needs (which you may or may not fully understand, I hope you don't think that's patronising) you may find there is support to get you through this and it won't mean debts, lose or dodgy lending that you can't pay back.

I wish you all the best of luck, try to get some help as soon as you can.