hanging my head in shame

piglet39 · 27 November 2008 at 12:28PM

worried_jim wrote: »

Thanks moo cow and piglet ! Just has a call from Joseph @ commercial Collection Services regarding £963 owed to Nationwide credit card. I advised what I was doing regarding payplan and told him time-scales. He was very polite and professional, I offered my payplan ref number and he thanked me and wished me a good day. I can't get over how simple and straight forward that was. I've been putting off that call for a year.

Brilliant.

It's funny but I remember after having my LBM I actually wanted the creditors to contact me (well for a short period of time LOL) because it meant that I knew exactly where I was with everything (cos at that stage I had hidden the post for a very very long time). Then once I had spoken to them and told them I was doing a (DIY) DMP they left me alone. I stopped feeling anxious every time the phone rang or the post came. I know your situation is a bit different but having made the decision to get things sorted you kinda want to get them sorted as quickly as poss IYSWIM;)

Piglet

worried_jim · 27 November 2008 at 12:53PM

What is an LBM ? do I need one for the next time they call? You are right about almost wishing for the phone to ring. I've just missed a call from an 0870 number whilst in the kitchen, I do hope it wasn't a missed opportunity to see if they would have been as polite and professional as the last caller ! Still feeling pretty positive, although I have a nagging voice revolving around my head and it keeps chanting "why didn't you do this sooner ! stoopid!"

GeorgeUK · 27 November 2008 at 1:03PM

LBM = Light Bulb Moment
When you decided it was time to do something about your debt - you've just had yours.

worried_jim · 27 November 2008 at 1:15PM

just had the post. had a letter from equidebt for £1596.17. this was for somebody else not me though ! have called them to advise that the person hasn't lived here since 03/07. Now dealing with other peoples debts ! who would have thought.

Miss_Piggy_2 · 27 November 2008 at 1:34PM

Hello!
Thought I would pop back in and see how your are doing. Sounds like everything is going well and that you are coping brilliantly! Glad to hear you are feeling so much more positive.

Miss P
xx

polaroid · 27 November 2008 at 1:49PM

hi WJ, i am so glad that you are feeling better and more positive. there are some great people on hear, with great advise.

i think once you have spoke to the first few (collection) people it gets a little easier.
i am really pleased for you xx

piglet39 · 27 November 2008 at 2:00PM

worried_jim wrote: »

just had the post. had a letter from equidebt for £1596.17. this was for somebody else not me though ! have called them to advise that the person hasn't lived here since 03/07. Now dealing with other peoples debts ! who would have thought.

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

And no doubt advising them to post up there SOA here/visit the OS Boards!

Piglet

laura2481 · 27 November 2008 at 2:15PM

worried_jim wrote: »

just had the post. had a letter from equidebt for £1596.17. this was for somebody else not me though ! have called them to advise that the person hasn't lived here since 03/07. Now dealing with other peoples debts ! who would have thought.

This made me smile! You have been avoiding the post for so long, perhaps more doesn't belong to you?! Here's hoping...

(I once had a debt collector come around for the woman who owned the house before me and ask for money from ME, and it was GREAT when i just produced some ID and said 'not me, mate' and he had to tootle off and leave me alone. He was big and scary looking too!)

Things certainly look like they are looking up. Glad you are feeling better.

Take care (((hugs))