u/Denstono16

hello everyone, ive been staying with a friend for the past 8 months, sofa surfing technically but making a decent contribution towards costs each month. there is no formal agreement due to some complication with mortgage but i pay £450 each month. i want to apply for universal credit as i am only working ad-hoc for an agency at the moment and not having any stability has really taken a toll on my mental health. im assuming i should just put the postcode of the nearest jobcentre of mine but i worry as i dont want to cause her any problems with mortgage etc. my question really is what should i tell the people working on my application? and will it raise any concerns with them? thanks

Hello everyone, I am in a sticky situation

I have been struggling with my PayPal credit (UK) for a while now and it has brought my credit score way down before I even realised!! I have never missed a payment so I thought I was okay, but it is only in the last 6 months that I have been made aware of high credit utilisation and it has got me quite concerned for the future.

I created the account as a student and I would not have got through university without it as my parents could not financially support me. I used it for 5 years and hit the limit not long after I graduated (last July), for a while now I have been at my limit (3k) paying the minimum payment and being in situations where I need to use it and hitting the limit again. I am barely making the minimum payments and I'm not sure I will be able to pay my upcoming one. I have looked around and it seems I cannot get a money transfer credit card to pay it off either because of this. If anyone can help me explore my options/tell me what I can do it would be greatly appreciated, thanks

Hello everyone, I am in a sticky situation

I have been struggling with my PayPal credit (UK) for a while now and it has brought my credit score way down before I even realised!! I have never missed a payment so I thought I was okay, but it is only in the last 6 months that I have been made aware of high credit utilisation and it has got me quite concerned for the future.

I created the account as a student and I would not have got through university without it as my parents could not financially support me. I used it for 5 years and hit the limit not long after I graduated (last July), for a while now I have been at my limit (3k) paying the minimum payment and being in situations where I need to use it and hitting the limit again. I am barely making the minimum payments and I'm not sure I will be able to pay my upcoming one. I have looked around and it seems I cannot get a money transfer credit card to pay it off either because of this. If anyone can help me explore my options/tell me what I can do it would be greatly appreciated, thanks