Emergency help please

Midlifecrisis007

I’m really struggling and need your help please.
due to my mum passing away I have spent a silly amount of money trying to heal my pain. I have now got £1785 left and the following will be coming out of my account tomorrow 

mortage.  £1453
stepcgange £318
council tax.  £281
tv licence.    £13.37
union.           £13.17
dvla.             £14.87

I won’t be able to cancel the direct debits/ standing orders now and I just don’t know what to do. I’m not allowed to request credit due to being on Stepchange, 

any ideas please?

brewthebear

Ask for a mortgage break

elsien

Speak to Stepchange as you already have a plan with them? 

Midlifecrisis007

I guess I’m just going to have to see who gets the money first as I can’t stop the money being taken out of the account in time.

no money for food or anything for the month

sourcrates

Firstly, you don`t need help, just use common sense, do you have another account you can transfer money into ?

If so transfer all but your car tax money, you can pay the mortgage by card payment the next day, the rest will just need reorganisation, to be paid at a later date.

Your stepchange payment is, I assume, for all non priority credit debt, so that can be missed.

Normally I would not advise against paying council tax, but one missed payment can be spread over time.

TV licence, again, can be spread over time, union payment, again, non priority, DVLA is I assume car tax, so that`s a priority.

Can you not cancel them from online banking, mine delete immediately on my app.

elsien

There are also foodbanks you can access if you are desperate.
If you don’t have another account to transfer money to, do you have a cash card you can use to get money out before the direct debits go out? 

Midlifecrisis007

Thank you all especially sourgrates.

GreenCat80

Did you spend the money on things you can return? Do you have anything you can sell to see you through the month? So sorry about your mum 😔

fatbelly

It needs a fundamental examination.

If stepchange is a debt management plan, ask for 3 months off while you re-evaluate if that is still your best option. (Edit: tell them that's what you're doing)

Then post a statement of affairs for us to look at (link is to a calculator)

StepChange_Allen

Midlifecrisis007 said:

I’m really struggling and need your help please.
due to my mum passing away I have spent a silly amount of money trying to heal my pain. I have now got £1785 left and the following will be coming out of my account tomorrow 

mortage.  £1453
stepcgange £318
council tax.  £281
tv licence.    £13.37
union.           £13.17
dvla.             £14.87

I won’t be able to cancel the direct debits/ standing orders now and I just don’t know what to do. I’m not allowed to request credit due to being on Stepchange, 

any ideas please?

Hi there

I came across your message as I looked around the forums, I hope you don't mind me replying.

Firstly, I'm very sorry to hear about the loss of your Mum. If you could use some support at this difficult time, you could contact the charity, Cruse, for some support. They're the leading bereavement charity in the UK and supported 24,000 people last year. Their website is www.cruse.org.uk and contains all the details of how to get in touch.

I can see a number of people have already given their thoughts on your bills above, but I thought I'd just give an angle on the DMP. If you call our Client Support team and explain that you can't/couldn't afford to make a payment this month then I'm sure they'll be able to help. One off things can happen to any of us, so just let them know what's happened. 

I hope this is helpful.

Take care.

Allen

bit_by_bit

How is it going @Midlifecrisis007?

The first week of the New Year is rotten financially.

Really popping in to give my positive support. and second all that has been said above.