Ikkle's journey - currently wanting to stamp on Welcome Finances head!

ikkle87

I have been on the site a little while now and have got a grip on the jist of things that I need to do to become debt free so have chosen now to start my DFW Diary.

Ok so I am Ikkle ( I'm not ikkle really I am 6ft2 but anyway lol) and I am 20 years old (21 next month) I looked on this site last year to look at reclaiming bank charges and only wish I had looked further and found the forums as they have been a god send to me.

I have been unemployed for the past year due to health problems and receive incapacity benefit. I am on the mend slowly but surely though and am due to start college in September.

I live with family so thankfully my outgoings aren't huge other than my debts but then again my income isn't huge at the moment either which is why I have got a DMP with CCCS.

How did I get in to debt?
I recently posted on a thread which asked me just that very question and here is my reply

I made the biggest boo boo of my life by being with my ex, not just money wise but life wise too but thats something else. I took out credit to furnish our home which he agreed to help pay back. I paid some of it off but we were growing apart. I went into hospital and when I came home he was gone and so were most of our belongings. This was after 3 years together. I muddled on still managing with my expenditure levels thanks to my good job. Then last year I had to give up working due to poor health. My income plummetted from £300+ a week to £65 a week and I couldn't cope so I stopped paying bills and interest charges got added and my debts went up and up and up.

My income is £323 a month, out of that I pay £44 board, £10 contribution to tv, gas, electric, phone and water. £13 goes towards travel expenses to doctors, physio etc. I pay £40 towards food and house keeping. I had originally budgetted a lot less for clothing but CCCS put clothing up to £28 a month and emergencies are at £15 a month. Another reason I went with CCCS is because they allow me to pay £65 a month to a relative who leant me money. So my total monthly expenditure is £215.

This leaves £108 for CCCS payment and that is going towards the following debts:

• Blair Oliver and Scott £303 - this is from halifax, I can't wait till the test case is all sorted and I can hopefully try and get my bank charges back hopefully as that is all that this amount is.
• Empire Stores £172
• Greenwoods Personal Credit £245 - this is part of Provident, stupid I know but have paid half of it off.
• Intrum Justita £932
• J D Williams and Co £72
• Moorcroft Debt Recovery £350 - this is on behalf of Orange who i couldnt cancel my contract with.
• Welcome Finance £6665.92 - this was a loan of £2900 which I was paying off but then when I couldn't make the contractual payments they started to add interest charges on = at £200 a month. I am in the process of requesting a CCA from them and am praying that they cant produce one.

So that is £8736 of debts and 81 months on a DMP I need to change my signature lol. April 2015 is my debt free date at the min. I did originally plan to go bankrupt but I didn't feel that that would personally teach me the value of money which is why I am ok to go on the DMP.

Being on this site has already proved fruitful for me with the make £10 a day challenge which I took part in in May, also cash back I have £160 which is due the day after my birthday which is being added to my birthday money from my gran and my mum to get me a laptop which will be better for me with college etc. I have also received £25 in vouchers. I was encouraged to complain about a problem with a bra and got £16 cheque and £25 gift card. As well as freebies like the moving home box, money from doing surveys a nice bottle of perfume which will be used as a christmas pressie and not just that but I have made some great friends too.

Well I think I have warbled enough tonight lol

Ikkle x

Mupeteer

Oh, ikkle, I really feel for you. Glad you have found us. You'll get so much support here and, someday, we'll all make it out the other side. Hugs.

kika

ikkle saw your posts on night owls so I'm glad to know a bit more about you. He sounds awful and you're better off without him, as I'm sure you know. Hugs from me too but no chocolate as I'm trying to be good.

hattiefats

Looking forward to reading your diary. It's very motivating to read about others doing well. Go for it girl!

ikkle87

Thank you all for your kind words.

Mupeteer I have already made some great friends here everyone bar the odd troll are lovely.

Kika, :hello: it's ok about the chocolate I'm being good too, have lost 10lb in a month. Only another gazillion to go it feels. As for him I know I'm well shot x

Hattiefats, I hope I do well and engourage you all loads.

Ikkle x

SouthernSoftie

Just wanted to say I'll be here a while too and hope I can be as positive as you throughout.
Sending *hugs*

NW-ANGEL

ah ha - fellow july supporter, glad i seen this -i know i read loads of posts and don't sometimes register who is who (yes i know we have usernames:p ) but that helps know what your going through x

just thought i'd tell you i wish you all the best of luck x I'll be here a while too you know where to find me :beer:

kel
x

Tonylpool

We will all be here a while, but I believe whatever debt free dates we have set ourselves, we will probably still be friends and still posting!

Ikkle you're a star and with your determination, you will do it!

Tony x

milliemonster

Hi Ikkle, nice to see you've started a diary, your ex sounds a real sh** glad you've got your life back on track xx

ikkle87

Hiya guys,
Thank you all for popping on to my diary.

Tony good luck in court babe, x

Ok so what's happened today?

I went out with my mum and gran to our local social club, don't think the bar staff liked it when I asked for a pint of water but oh well. Did the sunday quiz but I didn't win, it was only for lager though and I can't drink it so I'm not too upset. Also spent £5 on bingo tickets which covered me for all 6 games of bingo. I won as well yayyyyyyy I won £93 but I shared with my mum and gran so that was £31 each which isn't bad for a £5 outlay. I'm not a big gambler though, I play the free bingo and the itv bingo night live thing which is also free and do racecaller through pigsback but thats where I draw the line.

I know I have already sold most of my stuff that I have but thought I might look through the cupboards again and see if there is one or two odd items I can ebay, I have loads of books but I don't know if it worth while trying to sell them as postage is a bit tricky.

Gonna do a few printouts tonight so that I can keep a check on my spending and incoming etc as I am being very organised and have an A4 Folder which I have put into sections, CCCS documents, bank statements, DCA letters, etc so that when I need something I know where it is.

:beer:

Ikkle x

Tonylpool

hi ikkle,thats fantastic hun well done!

Thanks for your support hun, that really means a lot X