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Best Of
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Re: DMP advice
I am waiting for defaults and then will set up standing orders to whoever owns the debt. My plan at that point is to ensure that I have enough to cover my expenses and continue to build a savings pot…1 -
Re: DMP advice
As with most things in life, pre-planning is everything, if your intention is to go into debt management, you pre-plan how you are going to do it, decide what steps you need to take beforehand, and p…1 -
Re: DMP advice
things will be ok. Nobody will be knocking on your door. You will have peace from the stress of worrying about money. You will be able to afford to live, build up savings and prepare for all your exp…1 -
Re: Self managed DMP? Need advice
OK As Many Ways says do not contact your creditors, you need to stop, take a deep breath and calm down. All the messages you get from them are computer generated there is no human being behind them b…1 -
Re: Self managed DMP? Need advice
The point where you cancel payments does feel very scary to you. We can keep saying this is business as usual for the lenders, that nothing in debt collection happens quickly and that getting default…1 -
Re: AP, then defaulting
Defaulting on £20k is superior as it means you have a good chance of clearing it all for less than £20k, rather than having a good chance that you'll have to pay at least £10k to clear the £10k.…1 -
Re: AP, then defaulting
I still don't think you are getting it , all the above post means nothing , if you are going to default then default on everything now . You seem to be using universal credit as an excuse, but t…2 -
Re: AP, then defaulting
I agree with the others here, you are overcomplicating and overthinking something that has a very simple solution. Part of the reason some people get into debt is because they believe they have a pla…1 -
Re: AP, then defaulting
I agree with @sourcates. Keep things simple and default on everything now. Another complication is it isn't as neat as I laid out and the longer 0% cards have 0% deals with multiple expiry dates…1 -
Re: Prosperous and Creative Soul Year 5
Thanks WD, KK, TG and Skint Insurance is in case I'm sued as an influencer or producer. But the more fabulous news is - I have launched 3 videos last Monday - and have another I've worked o…8
