Can anything be done.

artnoble

I've just checekd my current account with smile and I only have £100.00 left.

I have about £180.00 of bills left to pay and I dont get paid for 2 weeks. (plus I have nothing spare for food and travel).

obviously this will take me over my over draft limit, smile won't increase it (infact it decreases each month).

Do you recon they will temp increase it to avoid paying overdraft charges or is it a case of tough.

has anyone any experience.

chevalier

If they are reducing your overdraft limit each month, then probably won't play ball with a temporary increase. Can you get an advance from work to cover the bills at least?

Other than that if you are in serious difficulties, then I would suggest looking to do an statement of affairs on here to see if there are any areas you could cut back on.

chev

Zebedee69

Thats a tough one, I doubt the bank will extend you an overdraft as they are decreasing it.

Have you tried obtaining a 0% card from an alternative lender, even just for a few months to ease you through things?

Other than this looking longterm you should put a SOA on here because you'll start going into a circle if you cant pay bills. Borrow to pay them and then cant pay your bills again.

Try and borrow for a short term solution and then do your SOA to work through your longterm problems.

artnoble

thanks chevalier.

I'm generally just about ok.

i think it might be heading that way if i go over this month. smile charge £5.00 a day. I'll never be able to claw back out of that.

Better brase myselg I think

grace

Can you alter the dates of your bills online? so they come out after you have been paid...

artnoble

I'll do a soa when im home from work.

my credit is shot so I can't borrow else where. thanks for the advice.