thank you both for your help, surprisingly made me feel a lot better

nothing over six years , Amex is 4 years old and , RBS 2 and lwoods 2

Last september, I needed a wrist operation and had to find a new career, I couldnt return to my old job so i had to find a new one. I was not eligable for SSP nor income suppory/incapcity benefit. I also moved home and here is where my problem arose. I have three debts, a liiltlewoods (2,800), amex (1000) and RBS loan (3500), I wrote to all explaining my circumstances, littlewoods were understanding and i am currently paying them what I can. Littlewoods have my new address. I contacted Amex , but using my old address ( my parents) offering a payment scheme, however they have found my new address and im getting DCA letters from Newmans threatening a visit, im not sure what to do as I want to pay , just not the DCA and I dont want amex having my new address, some people have suggested I deny its me and call the bluff but im nervy of this. The RBS have no idea where I am. They were not very understanding of my situation so i stupidlly ran, i guess they will find me, so have i made things worse, im very nervy, suffer depression badly and only work part time so im a wreck at the mo any help or advice would be welcome regards james

many thanks all, im slowly trying to claw back

hi and hello all!! was wondering if anyone could help,im currently been of work for a month with a broken arm, turns out its worse and i will need surgery(bone graft) , my employees wont pay ssp because i do to little hrs (15), im not eligable for income support because my partner works 16 hrs and her income is 35 pounds over the 94 something ceiling, im also not eligable for incapacity benefit because one of my ni contribution years is short, we get working tax credit and xchild benefit, but i maybe of for upto a year and need help desperatly!!! we are struggling badly already thank you all james thank you. after citizen advice stumped, and the benefit helpline thingy at a loss , ill try anything we worked out our income outcome etc, the bank was ok but slightly concerned, loans however have been less then sympathetic, given me a months rest then to contact them and resume payments. Im just a little shocked by this, we have been on the breadline for a year now and this has come as a huge blow, i mean i have a 10 year work history but was made unemployed in 2006 for 32 weeks, this affected my ni contribution, i cant believe that I may have to go a year with no help, and my partner support 3 of us on her 16 hr wage and working tax/child tax benefit! Hi all, I havent slept for nearly 4 days now im panicking I have just got a long term injury and have had to leave work, I have no income, im not eligable for incapicity benefit or income support. I have a loan of 3500,a credit card for 1000 and catalouge for 2500, not a great deal i know but ive missed my loan and credit card paymen , first time, I spoke to my loan company about my injury and they informed me my insurence didnt cover me, I have just moved and the firdt two companies do not know where i am, the catgalouge does Im going to be off long term i cant work and have no income and am falling deeper and deeper quickly i dont know what to , it seems to be all falling apart