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Help me with my finances. I earn £340 a month. My rent is £190 and I'm £100 in debt?

I worked for a company for three months and never got paid a penny. During those 3 months I used up my £2,000 savings. I trusted that I would be paid by the company so was fairly confident using my savings to get by. After going £100 into my overdraft I decided I had no option but to leave and sign on job seekrs allowance. I was immediately given £106 and £190 to pay my rent. Once my rent was paid I was left with £0.00 in my account and due to living expenses I HAD to withdraw £10 a week. This means I am now £20 into my overdraft. I had a bill that needs to be paid for utility and it was £100. If I could, I wud live in darkness in the freezing cold but I live with other people who have money and have the heating and lighting on all the time. This means I am now £100 into my overdraft but thankfully have used my £10 to buy food for the month. But I'll be 2 weeks before I get another £105 and that will bring me to £0.00 but I will be fined by the bank for cashing a cheque when not in credit and also for using my overdraft. I am eating homemade bread with cooked vegetables, cycling to look for work for upto 12 miles a day, drinking water as I can't afford milk or juice and washing my clothes with soap and by hand as can't afford washing powder. I have tried desperately for a job but have got nowhere and I cannot afford internet or to print off my cv so am now unable to look for work effectively except when I go to places and ask for an application form. I have never been in debt before and it is not my fault AT ALL. I have persued getting my money back but if I do manage to get it it will be a long time coming. I just don't see a way out of this. I long for a slice of meat or a glass of milk. I long to get on the bus and have a coffee. The life I am leaving is not worth living and I have no family or friends with the money to help me. I am seriously considering suicide as at the moment I am merely existing. Even if I spent NOTHING for 2 weeks I would STILL not be in credit. I simply cannot afford to live and I am not able to get a crisis loan as I would not be able to pay it back. I am not able to get a community grant as they said I am receiving jsa for my daily living expenses. Can anyone suggest anything? My nearest food bank is too far to cycle. I have an expensive laptop (mac pro) but it's my parents and so I'm not allowed to sell it. I was thinking of selling my bicycle but worry it will end up costing me money as I'll then reply on public transport and my mobile phone is only worth £50 at the local phone shop. I have no jewellary and my shoes and clothes value would not amount to much. The only thing I have of value is a missoni handbag given to me by an ex boyfriend and it's rrp is £1,300 but I was advised if I try to sell it people will not pay much for it as they will not know if it's real of fake. Please help. Does anyone know what I can do? I'm thinking of selling my laptop and face the wrath of my parents. Ed Fox I complained many times but was always told I would get the money and it was simply an administration error. I wanted the job so badly that I put up with it. Kitty when scamming in future please don't give yourself an English surname as your English is clearly broken.

Public Comments

1. If you worked for a company for three months and genuinely never got paid why did you not sue them. You were lucky to get JSA immediately because you seem to have voluntarily left your job. You may find it hard getting people to take your situation seriously because nobody would work for free for three months and simply accept it. They would do something about it.
2. Well the overdraft will cost you big time in fees. It's like paying hundreds of percent interest. You need to ask for help, maybe your friends that you're living with can help. You also need to find whatever office your government has for a labor board and complain about not being paid. You need to hit the food banks for food. The public library has Internet and printers. Contact government services, they can get you into classes to find out how to get a job and how to rewrite your resume. If you grind soap, you can use it in a washing machine, that's how washing powder started, I used o make washing powder myself from ground soap, washing soda and baking soda. It's survival now, facing up to your parents is not such a bad thing, underneath it all they still love you.