hello all, my name is Joshua.
I moved to the UK in march this year (2016) and had taken out a personal loan of 5000 australian dollars to help with visa costs and flights etc.
When i first got to the uk i was fine with paying off the loan and there were no troubles, recently i had no work for just over a month (and have had 5 days off work this week because of a head cold) and have had little to no income as of late, ANZ bank in australia has sent me a letter from their debt collectors wanting a full payout of the loan (which is just under 3500 australian dollars) on the 28th of november, i cannot ring them from my mobile as i do not have international calling on it, so it would cost a fortune to just ring them.
I cannot apply for loans as i have a very low credit score in the uk and because i have been here for under a year.
I am hoping some kind enough people will help out with my situation, i will have pictures up soon of the letter from ANZ bank.
I do work thursday to monday and get paid about 200 pound a week working at a lidl distribution centre(grocery chain in the uk) but that essentially covers rent and food each month.