Urgent Help Needed! Hi, Im new to forums so sorry if this post is wrong but really looking for some help!
I'm 23 and in 2008 i started a house share with a friend from work. he told me he taking care of all the bills so i paid him a set amount of money each month and he then paid everything so it was all out of one account...or so i thought
This March he moved out with no notice leaving me with the full rent and bills. I then discovered he hadnt actually been paying anything and I had CCJ's in my name that I new nothing about. I know I should have delt with it straight away and I was an idiot not too but alot of other things were happening.
My dad who abused me when i was younger was trying to get custody of my younger sister and I was trying to stop that and I also have a serious illness that means i have alot of operations (20 in 3 years) and time spent very ill.
Thats no excuse and i should of sorted it but i basically just had a bit of a melt down.
Last month I had a visit from a bayliff who convinced me i had to let him in and he took a list of my stuff. He was there on behalf of council tax payment.
He told me too ring them to arrange payment but for the first 2 weeks I was doing 60 hour weeks at work to try and get the money to pay them. I tried to ring them on pretty much every break I had but could get an answer as it was outside their working hours and then i spent time in hospital again.
I have just got back and had a letter through the door saying they called and if I dont pay today they will come back and let themselves in whether im there or not.
I have an operation on monday morning which will mean im in hospital for a few more days. I cant get through to the council or the bayliffs on weekends as I have been trying for the last 4 weeks and my local citizens advice are only available on the phone mondays wednesdays and fridays!
I want to set up a payment plan but cant afford what they are asking and dont know how to do that before my operation? I'm worried if i wait until i get out of hospital on wednesday it will be too late and they will have already been
If anybody knows what I could do I would be very grateful! |