hanging my head in shame

laura2481

Hi, popping in to say hello again and catching up! I'm really glad everything is working out, and just think what a difference this will have made to your enjoyment of the christmas period- I bet if you would have carried on as you were you would have been tearing your hair out- rather than facing the new year with a positive attitude!
((HUGS))
Laura

elantan

http://forums.moneysavingexpert.com/showthread.html?t=741653 if you want a truly funny read have a look at this one ...got to be one of the best threads ever

RAS

Hi Jim

Am stunned by the change in your situation over the last two weeks. There may be a bit of bleating from the creditors about the DMP in the short-term but keep coming back for support.

piglet39

elantan wrote: »

http://forums.moneysavingexpert.com/showthread.html?t=741653 if you want a truly funny read have a look at this one ...got to be one of the best threads ever

Oooh Elantan thanks for posting the link up to this. I read it a few months ago and pmsl!!!

Jim - do read it it is sooo funny

Piglet

miggy

elantan wrote: »

http://forums.moneysavingexpert.com/showthread.html?t=741653 if you want a truly funny read have a look at this one ...got to be one of the best threads ever

I've just spent the last few hours laughing till I cried over this - thanks Elantan

elantan

your more than welcome it really is hilarious if you liked it and t hink it deserves thread of the year please tick the thanks button on the thread of the year post ...i did ...people still talk about it on this and other boards

miggy

worried_jim wrote: »

Well i've had my last interview with payplan and I make my first payment of £100.50 on December 22nd. I have returned all my paperwork to payplan and within 1 minute of putting the phone down I set up my standing order to them. I've cancelled my existing dd's to mbna and I also called first direct to ask them for the balance. Not heard anything back from First Direct regarding the bank charges but only sent the letter a week ago.
I guess this is the end of phase one of my debt free journey, by mid January creditors should have started to recieve payments etc and phase 2 commences, this all seems a bit straight forward at the moment and I must say that payplan have been brilliant, kept everything real simple and took the worry away. I am a fan.

Jim, you seem to have done loads in the last few days! Glad payplan have been so helpful, and you have had the burden of worry lifted.
What's the plan for today?

worried_jim

will be visiting family in the north on sunday, first time been home since july '07. back to work thursday. really looking forward to seeing people and now that petrol is sooo much cheaper wont cost as much as prev.
still no nasty phonecalls or letters. feeling good.

angie_baby

Just read your thread for the first time. Its left me feeling good, thats what o love about this site, it goves you the motivation you need.

Wish you all the best jim,

Angie

edinburgher

Glad to see you're hanging in there Jim - thanks for the comedy threads, my gf and I got a hell of a lot of laughs out of those