timeforaction

timeforaction wrote: »

Step 1 was coming on here
Step 2 I have just opened a new bank account online ,I feel so scared

I can sympathise with how you feel, I was once where you are now, I don't know what I thought was going to happen if I couldn't pay my credit cards, loans etc, imagined all sorts of things, people knocking on the door demanding money, house repossessed, bailiffs and the like, but you know what, none of that happened, the sky did not fall in, the sun did not fail to rise the next morning, yes I got phone calls, and back in the early 2000`s DCA`s were breaking every rule in the book threatening allsorts of things, that was easily sorted by changing my phone number and going ex-directory, got letters by the bucket full, all filed safe and secure in the recycle bin.
Things have changed somewhat these days, lenders and DCA`s have to be more carful how they treat people, of course there is always the exception.
I started out on a DMP, but soon realised it would take forever to pay off all my debt, and got approved for an IVA in 2008.
My biggest debt was to my old bank, first Direct, who were a fantastic bank, and were great throughout my IVA, as my biggest creditor, they held a lot of sway, and never let me down.
Now 6 years later, I have just been approved for a new bank account with first Direct again, my slate is clean, and I can start over, I am so pleased with myself today, as I appear to have now come full circle, so hang in there, it is possible.