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    • DD2580
    • By DD2580 1st Dec 17, 9:32 AM
    • 14Posts
    • 2Thanks
    Debt urgent help
    • #1
    • 1st Dec 17, 9:32 AM
    Debt urgent help 1st Dec 17 at 9:32 AM
    Hi - not really sure what area to post this in, so positing in a few, here goes!

    I need some urgent advice. I have found myself out of a job since end of October. My line of work is secretarial and is on a contract basis, and usually go from job to job, mostly 1 year + contracts so have always been fine. this is the first time I am without a job and have made my last pay, and some small savings to last until now, and now I am running low and worrying that my bills wont get paid and don't know where to start. In the new year things wil be easier to get a contract it generally is this time of year so I don't know if its possible to freeze such things like credit cards. I'm listing my outgoings below.

    1 credit card 0% int - monthly min 45
    1 credit card 0% int - monthly min 40
    1 credit card, (BCARD) int I am unsure right now but monthly min is 130
    car insurance - 65
    Mobile phone - 45
    Mobile insurance - 10

    Is it possible to "freeze" your credit cards for a period of time until I get another job?
    I don't know what to do, want to sit and ring them all up today and have some sort of plan to help me over this few months just until mid / end Jan I think. I just want some advice first, scared to ring and say I don't have a job!

    luckily living with parents so not needing to worry about rent etc but they are not in good shape financially either so can't ask for help.

    please help me

Page 1
    • zx81
    • By zx81 1st Dec 17, 9:54 AM
    • 16,792 Posts
    • 17,805 Thanks
    • #2
    • 1st Dec 17, 9:54 AM
    • #2
    • 1st Dec 17, 9:54 AM
    Speak to the lenders.

    There will be a price to pay in terms of your credit file if you default or go onto an arrangement, but if you don't have a choice, then you don't have a choice.
    • StopIt
    • By StopIt 1st Dec 17, 10:05 AM
    • 1,395 Posts
    • 1,250 Thanks
    • #3
    • 1st Dec 17, 10:05 AM
    • #3
    • 1st Dec 17, 10:05 AM
    Please do not post the same thread in multiple boards, it creates confusion.

    This is a thread for the DFW board really, as especially you may need to find ways to deal with this if getting a job proves tougher than expected.

    I'll close this one, please stick to the thread in the DFW board.
    I'm a Board Guide on the Debt Free Wannabe, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
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