DFW weekender

spud30

bank_of_slate wrote: »

I keep saying that but I need to buy a ticket first!

I am going back to bingo tonight so keep your fingers crossed for me, could just do with another big win!
...Linda xx

I got sent a free pound the other day for one of the bingo sites. I played it one one game, didnt watch but came back in time to see my card turn red. I withdrew my £17 winnings rather quickly.

Good luck tonight, I'll keep EVERYTHING crossed !!

Buffythedebtslayer

Spud could you focus on one debt - like I dunno the smallest one and give yourself X amount of months to get it paid off- as in enough to offer them Fand F? Will the CCCS let you do that?

I have no idea btw just thinking out loud
xx

bank_of_slate

Buffythedebtslayer wrote: »

Spud could you focus on one debt - like I dunno the smallest one and give yourself X amount of months to get it paid off- as in enough to offer them Fand F? Will the CCCS let you do that?

I have no idea btw just thinking out loud
xx

Erm, shouldn't you be working on the first tier madam?
...Linda xx

Buffythedebtslayer

is very confused first tier of what?

bank_of_slate

the cake of course!
come on, it needs time to mature and inject it with liquer

EDIT: hang on, I've finally lost it!
I'm getting you all mixed up with Bob!
...Linda xx

spud30

Buffythedebtslayer wrote: »

Spud could you focus on one debt - like I dunno the smallest one and give yourself X amount of months to get it paid off- as in enough to offer them Fand F? Will the CCCS let you do that?

I have no idea btw just thinking out loud
xx

CCCS insist on treating all creditors equally so all payments we make are divided between the creditors according to the size of the debt. Small debts get a small payment etc.

That's partly why I was wondering about going it alone. The psychological (sp) effect of paying off a debt is fantastic, and we dont get that with CCCS. The way things are, they will all get paid off at the same time. If we did pay off a debt independently, we would have to explain to CCCS where money came from etc.

Buffythedebtslayer

hmmmm.

that is VERY annoying. ooo Spud.

ok,
if you did opt out could you opt in again ? Are they a one time only deal?

and before you did anything could you save up a fair whack (!) to offer to a creditor or some creditors to make paying things a bit eaiser for you?

sorry I maybe talking out of my hat, but it would really irritate me having to eek everything out to everyone.
xx

Buffythedebtslayer

bank_of_slate wrote: »

the cake of course!
come on, it needs time to mature and inject it with liquer

EDIT: hang on, I've finally lost it!
I'm getting you all mixed up with Bob!
...Linda xx

he he xxx I will take it as a compliment

bank_of_slate

I mean feel free to also make a cake!
...Linda xx

spud30

Buffythedebtslayer wrote: »

hmmmm.

that is VERY annoying. ooo Spud.

ok,
if you did opt out could you opt in again ? Are they a one time only deal?

and before you did anything could you save up a fair whack (!) to offer to a creditor or some creditors to make paying things a bit eaiser for you?

sorry I maybe talking out of my hat, but it would really irritate me having to eek everything out to everyone.
xx

It's dead annoying !!!

I'm just thinking out loud to you lot really. I havent mentioned it to DH, but he never has an opinion in anything till after the event anyway :rotfl:

I dont know if we could ever go back to CCCS if we left. I suppose there's always Payplan if I mess up, but I'm quite sharp on our budgeting these days and have never even gone overdrawn since LBM so should be OK.