You are a single person aged 25. You lost your job a few weeks ago and you are receiving Income-based Jobseeker’s Allowance. You live alone in a rented flat.
You want some advice because while you were working you took out a loan from the bank to buy a car and now you are unable to keep up with repayments of £150 per month which you agreed with the bank at the time when you took out the loan. The bank has written several letters and now they have started to ring you every day. You want to keep the car because it means that you can look for work outside the area where you live.
You are a few weeks behind with the rent and you have had at least one letter from your landlord saying that he will consider evicting you if you don’t bring your rent payments up to date.
You haven’t paid any Council Tax since losing your job and you have had some letters from Lambeth Borough Council about that but you haven’t kept them as you didn’t think they were important although one of them mentioned a court hearing next Wednesday.
You also have the following debts:
You are also worried because you have had several letters from the Tangerine Mobile Phone Company saying that you owe them £75. However, you don’t think you should pay them because the phone didn’t work properly and you returned it to the shop last month.
