Hi Twiglet, you must be worried to death hun. Do go to the Citizens Advice Bureau, they are really good. I don't know your personal situation, whether you are a homeowner, council tenant, but if things do get that bad go to the Housing Options office. In some areas they are called Housing Aid (I work for the Local Authority!). I've read your replies on this post & like most people are saying, you can access the Internet at your local library. In 2002 I lost my husband, my home, was in debt up to my eyeballs, I went to the CAB & saw a debt counsellor. Luckily I was a homeowner at the time, had to sell my house which was enough to pay my debts off but now live in a council house. I can't grumble Twiglet, but there is light at the end of the tunnel. Never give up hope, you have to make sacrifices right now like your phone & internet but you'll get there. Take care & I hope it all works out for you, Les. xx