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How can I ask for this money without causing an argument? watch

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    Basically, I'm on my last lot of student finance - £500 last time I looked. I haven't got a job, but I am applying for several a day now ready for when I finish Uni in a couple of months. The only problem is my parents don't have bank accounts, so I have quite a few things going out of my bank account, including £60 car insurance for my dad and something like £30 internet/phone. On top of that I have my own phone bill and weekly driving lessons to pay for.

    My mum and dad were meant to be giving me money for the insurance and phone, but they haven't. They haven't for several months, and quite frankly I'm starting to panic. My mum isn't exactly easy to approach, and my dad said he'd give me the money several times but never did. How do I ask for this without causing an argument? I have a dentist bill and a "buy now pay later" payment for "Very" coming up too.

    I'm worried that my funds will run out and I end up with O2, BT, the dentists, Very and the insurance company on my back
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    I recently had this problem. After a spate of payday loans, I eventually confronted my parents seriously and said I am really struggling. Your parents will probably have a lot more access to money than you, i.e high credit rating/overdrafts/ability to borrow money if necessary etc.

    Just explain that you could be in serious trouble if they don't help you, and hopefully they will then be willing.

    Hope this helps.

    DO NOT, UNDER ANY CIRCUMSTANCES GET A PAYDAY LOAN, ESPECIALLY WHEN YOU HAVE NO GUARANTEE OF INCOME. I HAVE SPENT 11 MONTHS PAYING THEM OFF.
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    There is no excuse for that. Approach your parents firmly and ask for the money. No need to get into an argument about it.

    They should pay for it themselves. Even if they have an awful credit rating they can still get a basic bank account - it is not difficult to open one.
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    How do your parents get by without bank accounts? Are they just storing cash under their mattress?
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    Cancel your dad's direct debit for his car insurance. That should clear his mind.
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    (Original post by x-Listen-x)
    Basically, I'm on my last lot of student finance - £500 last time I looked. I haven't got a job, but I am applying for several a day now ready for when I finish Uni in a couple of months. The only problem is my parents don't have bank accounts, so I have quite a few things going out of my bank account, including £60 car insurance for my dad and something like £30 internet/phone. On top of that I have my own phone bill and weekly driving lessons to pay for.

    My mum and dad were meant to be giving me money for the insurance and phone, but they haven't. They haven't for several months, and quite frankly I'm starting to panic. My mum isn't exactly easy to approach, and my dad said he'd give me the money several times but never did. How do I ask for this without causing an argument? I have a dentist bill and a "buy now pay later" payment for "Very" coming up too.

    I'm worried that my funds will run out and I end up with O2, BT, the dentists, Very and the insurance company on my back
    Tell them to make their own bank accounts

    How on earth can they no have any?

    Surely they need them to get paid (child) benefits and/or wages??
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    (Original post by jacketpotato)
    There is no excuse for that. Approach your parents firmly and ask for the money. No need to get into an argument about it.

    They should pay for it themselves. Even if they have an awful credit rating they can still get a basic bank account - it is not difficult to open one.
    That's not strictly accurate. Several years ago I got into an awful mess with debt, and ended up with about 5 CCJs.

    Due to me not being able (at that time) to manage money properly, I ended up with so many companies helping themselves to my bank account funds for things I no longer wanted/needed, but the transactions were under really obscure names so I didn't know which companies they were.

    I decided to close that account, and open a new one. Then I found out that once you have CCJs, and there was even a possibility I'd be declared bankrupt, I couldn't open even a basic bank account.

    My only option was to open one of those 'prepaid mastercard' accounts, which have many restrictions (and a monthly fee) to get wages paid in.

    So yes, there are scenarios when you can't even get a basic bank account. Although you can get an expensive pre-paid card.

    Fortunately, I've paid off the vast majority of my debts now, and actually have several bank accounts with mainstream banks (I use different accounts for different expenses, which helps me manage my money better), and have learnt the value of money from my experiences.

    Apologies, I didn't mean for this to end up so lengthy
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    My parents can't have bank accounts. My mum tried running her own business, it went bankrupt and the same thing happened to my dad. Neither of them can have accounts.

    I've asked, and they agreed to give me £20 a week... that'll cover my driving lessons, but the rest of the money is going to run out soon.

    On top of this, my mum said yesterday: "I'm setting up a market stall, but you need direct debit. Can it go from your bank account?"

    Sure. That's just another £30 a week that I have no guarantee of getting back...

    I've tried talking, but they don't seem to understand. I've started thinking what'll happen when I move out. Will I still be paying for my dad's insurance, the internet and everything else on top of my own rent, food and electric bills?

    I'm running out of options. Like I said, I've tried talking, but I might as well tell the dog! I can't do anything with the money - I can't go to Scotland to see my brother, buy new clothes or anything, just because my mum and dad are relying on me to pay their bills & insurance.
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    (Original post by x-Listen-x)
    My parents can't have bank accounts. My mum tried running her own business, it went bankrupt and the same thing happened to my dad. Neither of them can have accounts.

    I've asked, and they agreed to give me £20 a week... that'll cover my driving lessons, but the rest of the money is going to run out soon.

    On top of this, my mum said yesterday: "I'm setting up a market stall, but you need direct debit. Can it go from your bank account?"

    Sure. That's just another £30 a week that I have no guarantee of getting back...

    I've tried talking, but they don't seem to understand. I've started thinking what'll happen when I move out. Will I still be paying for my dad's insurance, the internet and everything else on top of my own rent, food and electric bills?

    I'm running out of options. Like I said, I've tried talking, but I might as well tell the dog! I can't do anything with the money - I can't go to Scotland to see my brother, buy new clothes or anything, just because my mum and dad are relying on me to pay their bills & insurance.
    If they're refusing to pay then stop paying for their things. Then they'll have no internet, no insurance and no market stall. Make sure they're up to date with their payments to you and then cancel everything again if they don't pay you before the money leaves your account each month.
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    Even if they get rejected for regular accounts they should hopefully be able to get a basic account if they ask for it specifically. See http://www.moneysavingexpert.com/ban...-bank-accounts.
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    (Original post by x-Listen-x)
    Basically, I'm on my last lot of student finance - £500 last time I looked. I haven't got a job, but I am applying for several a day now ready for when I finish Uni in a couple of months. The only problem is my parents don't have bank accounts, so I have quite a few things going out of my bank account, including £60 car insurance for my dad and something like £30 internet/phone. On top of that I have my own phone bill and weekly driving lessons to pay for.

    My mum and dad were meant to be giving me money for the insurance and phone, but they haven't. They haven't for several months, and quite frankly I'm starting to panic. My mum isn't exactly easy to approach, and my dad said he'd give me the money several times but never did. How do I ask for this without causing an argument? I have a dentist bill and a "buy now pay later" payment for "Very" coming up too.

    I'm worried that my funds will run out and I end up with O2, BT, the dentists, Very and the insurance company on my back
    Well, I encounter this problem frequently and the only solution to it is if you can't demand from the person whom you give for meeting home expenses, you should start cutting off those expenses to make them realize the difficulty you have to face to pay off your personal expenses if they are not paying you, its just by making them experience what you are going through, that you may make sure they pay you after promising it.
    The other way round is you may approach them politely and tell them to give you some money to pay, also if they fail to do so, you can politely sit and make them understand you situation how much difficulty you are facing to pay off you own expenses after helping them. Put the case on them and then ask what would you have done if you were encountered in a situation I am in, you may not get what you want until you ask for it.....
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    (Original post by x-Listen-x)
    Basically, I'm on my last lot of student finance - £500 last time I looked. I haven't got a job, but I am applying for several a day now ready for when I finish Uni in a couple of months. The only problem is my parents don't have bank accounts, so I have quite a few things going out of my bank account, including £60 car insurance for my dad and something like £30 internet/phone. On top of that I have my own phone bill and weekly driving lessons to pay for.

    My mum and dad were meant to be giving me money for the insurance and phone, but they haven't. They haven't for several months, and quite frankly I'm starting to panic. My mum isn't exactly easy to approach, and my dad said he'd give me the money several times but never did. How do I ask for this without causing an argument? I have a dentist bill and a "buy now pay later" payment for "Very" coming up too.

    I'm worried that my funds will run out and I end up with O2, BT, the dentists, Very and the insurance company on my back
    Firstly im curious why they dont have bank accounts in this day and age where its more or less a prerequisite to have one?
    Secondly confront them upfront about it, dont let their odd financial behaviour destroy your credit ability.
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    probably bankrupts or have debts they are trying to escape from.
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    (Original post by x-Listen-x)
    Basically, I'm on my last lot of student finance - £500 last time I looked. I haven't got a job, but I am applying for several a day now ready for when I finish Uni in a couple of months. The only problem is my parents don't have bank accounts, so I have quite a few things going out of my bank account, including £60 car insurance for my dad and something like £30 internet/phone. On top of that I have my own phone bill and weekly driving lessons to pay for.

    My mum and dad were meant to be giving me money for the insurance and phone, but they haven't. They haven't for several months, and quite frankly I'm starting to panic. My mum isn't exactly easy to approach, and my dad said he'd give me the money several times but never did. How do I ask for this without causing an argument? I have a dentist bill and a "buy now pay later" payment for "Very" coming up too.

    I'm worried that my funds will run out and I end up with O2, BT, the dentists, Very and the insurance company on my back
    Have you thought of becoming an egg donor, there is about £750 compensation for that. We are looking for an oriental donor if you know any age 18+ be interested.
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    (Original post by Steve/Amanda)
    Have you thought of becoming an egg donor, there is about £750 compensation for that. We are looking for an oriental donor if you know any age 18+ be interested.
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    (Original post by Steve/Amanda)
    Have you thought of becoming an egg donor, there is about £750 compensation for that. We are looking for an oriental donor if you know any age 18+ be interested.
    .......:K:
    I hope you're joking... D:
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    (Original post by Steve/Amanda)
    Have you thought of becoming an egg donor, there is about £750 compensation for that. We are looking for an oriental donor if you know any age 18+ be interested.

    I'm from Crewe... not exactly oriental
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    (Original post by cl_steele)
    Firstly im curious why they dont have bank accounts in this day and age where its more or less a prerequisite to have one?
    Secondly confront them upfront about it, dont let their odd financial behaviour destroy your credit ability.
    I've mentioned the reason in a reply up above. They had their own business, it went to hell and they both went bankrupt. They're not allowed bank accounts apparently.

    Is it illegal to open a bank account in my name and let them have it to put money into/take money out of, so they have no excuse to use my money?
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    (Original post by x-Listen-x)
    I've mentioned the reason in a reply up above. They had their own business, it went to hell and they both went bankrupt. They're not allowed bank accounts apparently.

    Is it illegal to open a bank account in my name and let them have it to put money into/take money out of, so they have no excuse to use my money?
    The question isn't about legality here. It should be "Do you trust them enough to to **** up that account in your name."
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    how can it be illegal to open a savings account?
 
 
 
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