Ms Pacmans attempt to beat debt

Ms-Pacman

Ok yes I'm in debt, true a lot of it has gone after smacking a few debt agencies around a bit (smacking by sending letters they don't like) but still have a few persistant ones left.

Debt was originally
£13,000 hsbc - lowell have closed file so might be gone
£1,300 DAF - DLC can go whistle - offer refused
£900 electric - nothing since switched to BG????
£4,000 halifax = disputing balance
£3,000 all charges from Abbey a/c1
£2,500 mostly charges from Abbey a/c2
£40 paypal - can go whistle

stuck in a car finance with welcome finance £7k to pay still, ouch

I'm always skint but at least can afford to pay bills and eat, fortunately have cheap rent which is a blessing, stuck with a car that eats most spare cash and cannot return it yet or pay of a settlement amount offered - not that great anyway.

I got loads of help from various sites and learnt an awful lot about the amount of rights a consumer has but its still depressing when I cannot afford to buy a pack of crisps because I was hungry earlier. Yes I made myself a marmite sandwich and yes it was yummy but I'm amazed with all the work done and nothing really to show for being skint it just really gets to me sometimes.

I've done a website which is a signpost to sites like this - loads to do but I guess that is my contribution (www.fightingdebt.co.uk)

Creating this thread as a sort of blog I guess so I can see how I'm doing plus it gives me a bit of space where I can SCREAM which sometimes I really need to do so. just make sure your volume is turned down.

Ms-Pacman

there are other debts, but cant remember off hand and right now have had enough of the word 'debt'.

clearmydebts

Just wanted to say hi and I know how it feels when you say you are sick of the word 'debt'