I have had time over night to re-evaluate all the words above, and the way I conclude the matter at this moment is:
1. Although I am feeling in the panic state right now and seeming to lose grip, I think really it is a natural feeling we must all get from time to time. Yes, I am looking at difficulties right now, but it is still not deep in the woods yet, so I plan to write to my supervisor and just put my thoughts to her in concern of the car bills still outstanding again (She is already aware of issues as I write monthly updates anyway), and rather than plead for break in payments, I will leave it open for her to see what she offers me. I will say that even though the 50% bonus contributions have been waived for a couple of months, what income I have is clearly not sufficient to cover these extra bills and will ask her advice and if she offers the break then it will be her offer and not my plea... the reason for this is as next note...
2. In my time I have come across many levels of people and their attitudes and usually fall into these categories: A- Those that are open and humain and like to discuss options and take your opinions and valued (like past supervisor). B- Those that expect you to ask or will not get. C- Those who like to be in control of ideas and will give you more understanding if they thought of it first! ... Well, I can assure you that the lady I am dealing with will be category "C" and so I will approach it that way and see what she offers, bearing in mind that I know from your notes here, exactly what the options are anyway.
3. I do have an ace up the sleeve so to speak... As mentioned, I have worked hard recently to trim down my services packages into one provider and that is now up and running. The only obstacle and as I have told my supervisor, is that on the transition of services it meant that I had to change the September payment date by just a few days to her because the monthly standing order was at risk of corruption. This will give me another reason that I will write this update to her, as I will be giving courtesy note to confirm that the date has been restored once I have passed 13th and re-actioned. The other part to this is that once the reduced service costs that will now mean a saving possibly of £60 per month, I can use to soften/recover stickyness while keeping the payments untouched. Unless she advises leaniency by breaking payments a while to try and bring bills in order, this is just another way around it. Another aspect to this is...
4. In the matter of the creditcard, I will have to go through my paperwork and establish what is actually written, but just to be on the safe side, what I plan to suggest is that with the saving by merging services, is that I will withdraw a small weekly cash amount to keep control of some spending habits on my bankcard so that spending is within that cash (it is so easy to go to shop and pay by card over the accounted value, just because you can... don't we all know this? Isn't it why we are all here?!?)... Within that I can pay regular amounts to pay creditcard off to zero off system and to pay towards some of money that was contributed by relative to help pay some of car bill. I have one matter on that as my bank is not a high street bank and internet only, so I do not have a branch to pay in bill unless there is a fee, so may have to get a friend or relative to write a cheque based on whatever cash available for it... My mission on that will be to wipe it clean even if I do find letter mentioning the card ok... I just do not feel easy about it especially since all your words above... It might actually get paid off quicker that way anyway.
I will still be happy to hear opinions on all this, but what I will do now is try and do what I can from above and update you all once I get a response from the supervisor. If it means that I have to eventually arrange a meeting with her to renegotiate the remainder of the plan, then I can deal with that in time as need to... Taking one step at a time I think, will keep it sweeter and not disrupting the creditors untoward. Once I have new information to foot, I will start a new post here so you can track it easier... this one is so long, it is bobbing up and down the other side of the Atlantic...
G
