Without trying to drip feed I am going to make this as brief as I can. I also realise this post is going to make me seem like an idiot who cannot control her finances, but although it sounds it, it's really not the case...
For the past five years have had an ok credit history - car loan paid off ok, credit card not paid off every month but usually about £200 every month paid off.
At the beginning of last year circumstances forced me to hand my notice in. Although I have a solid employment history, with the credit crunch I didnt find a job for the best part of 7 months. I lived hand to mouth (thank you mum) and a wing and a prayer.
Started temping in October and they asked me to become permanent in November (large well known accountants firm) I dont particularly like the job but needs must and so of course I took it.
The pay is £6 grand less than what I was earning.
I spoke to Lloyds TSB and advised them that I couldnt meet the min on my credit card (£2,000 is on it) witha min of £140 ish per month. We set up a temporary agreement whereby I paid £20 per month. I managed to default on this (I realise I sound like a dreadful person here, but it was over Christmas and plus all the birthdays happen at the beginning of the year-not excuses, facts). And so have been in arrears of £60. (Jan Feb March)
I just phoned Lloyds and paid off the arrears, plus provided them more details of situation, etc. They have set up a default agreement for me to pay ''whatever I can'' as my disposable income per month is £12. (I live alone). They have also agreed to freeze the interest for me too.
However, when I started work, I had to sign a disclaimer of many things including owning companies/ declaring oneself bankrupt, etc but also that I had ''never entered into an agreement with my creditors'' (which at that time I hadnt) I have just signed one for 2013 also (have to sign one each year). I am shit scared now that if I tell my employer this then he will sack me.
We are being taken over by a larger accountants firm and people are concerned about the state of their jobs even though we have been assured that there will be no redundancies.
Should I keep this under my hat, or should I tell them? They dont run credit checks as far as I know. And if I was found out I could lie (again, please dont judge me, I am not a terrible person, just a bit broke atm) and say it never even entered my mind....
WWYD? Sorry for the length of this post. But would appreciate your help.
If relevant - this is the only payment I havent made, I kept up with my rent (sold almost everything I owned on eBay), electricity is on a meter, so I just went without and stored cold stuff in the sink / did washing in the bath, etc. I am definitely living within my means (now) and I am in no way frivulous.