Hi i have shares of 8,000,And a loan of of 12,400 i have fallen behind on my loan abit due to outside expenses i foolishly took a loan off family thats killing me paying back.I want to apply for an emergency top up of 2,000 for christmas as times have been so bad i want to clear off the personal loans im paying back and get christmas gifts the account officer is in tomorrow but we dont really get along,do u guys have any advice?