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SMARTFINANCESOLUTIONS.NET - Trying to avoid losing my flat - what can I do?
1 Views • Nov 20, 2013
Description
The problem I have is that I am going to struggle to pay for the flat on my own.
The flat was rented to couples only and as it's not my flat there isn't the option to get a lodger.
I earn a good salary but have big debts and I was refused a loan because I have 'too much credit' so although I did go to my local housing association I was patronisingly told that I don't qualify for any benefits - it seems if I was a single parent I would be a priority but I have no dependants.
I have looked for cheaper places but the rent we pay is very low for the area. Only £450 a month - it's the bills that make it mount up so I've obviously looked into getting cheaper insurance/fuel etc. and have told the council I am a single person now to get the council tax reduced.
I have paid £375 every month and the outgoings are £700 a month so that means I need to find approx another £300 at least.
I have been to the Citizens Advice Bureau and I have an appointment in a couple of weeks to sort out my debt. I am worried about bankruptcy and stuff though as I have never defaulted on anything and have never missed a payment on any of my debts so I guess I'm classed as a good customer and don't want that to be affected.
I work full time running a college course sometimes until 7-8 at night and need to be available at weekends to do open days/ recruitment etc so getting a part time job isn't an option.
Do I just wait for this appointment with the CAB and see what they can do?!
I will fight as much as possible to keep my home as it's my life - I just need some help to make sure I can keep it! Thanks! -
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