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i did it!

After spending way too much of my time looking at ways of earning extra cash, and sobbing my eyes out to very unhelpful people at Barclaycard, I took the next step into sorting my debts out...I called the CCCS, and man i'm pleased I did.

I have an appointment with them in two weeks, and hopefully they'll be able to help me out. The lady I spoek to last night to make the appointment was lovely, and reassuring, and told me things I diodn't know, such as, as long as I pay something off my debts, they can't send the balliffs in, and, it shouldn't affect my credit rating too much! woo hoo!

I'm sick of living a half life - I haven't been out for months, and its driving a wedge between me and my man. Perhaps now we can start living once again!

Comments

  • Well done!
    Abbey Loan £6,000
    Tesco loan £3,000
    Tesco points --- £100 worth £400 in deals for holiday! :j :T
    "It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)
  • You've taken the first step - which is the biggest.

    Well Done! Keep us up-to-date with how everything goes
  • tattooed_lady
    tattooed_lady Posts: 1,591 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Good for you Beccal!!
    Mortgage-free wannabe!
  • keith_lard
    keith_lard Posts: 517 Forumite
    It was hard for me to pick up the phone and call CCCS but so glad I did it, WHAT A SERVICE! :beer: :beer:

    Good for you for doing it also! :T :T :T :T

    You can stop walking in 'that' direction and start walking in the right one! :A :A

    K.
    If you want to see a rainbow, you have to get used to the rain.
  • great start to the year well done,
    Im sure you will feel even better after your appointment :)
    GOOD LUCK
    Debt at highest £16k+
    Debt at lightbulb moment £14,800
    Current debt £6336
    Cleared £4206 in November 05 How ? Bye Bye PPI :)
  • kathfisch
    kathfisch Posts: 3,042 Forumite
    That's great, well done! Making that call is just the first step but its the hardest! Keep posting if you need advice or support, or just to let us know how you get on!
    Don't stress, relax, let life roll off your backs. Except for death and paying taxes, everything in life is only for now... Avenue Q
    Official DFW Nerd Club - Member no. 003 :DProud to have become debt free... and striving to keep it that way
  • Janey51
    Janey51 Posts: 1,195 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You are so right about the feeling of relief the CCCS give you. We have an interview on Jan 16. Having that CCCS Case number sitting by the telephone in case anyone phones feels like a lucky charm.
    Hope you get on OK.
  • Congratulations Beccal, :T you have made the first step to a brighter future, my only regret was not phoning cccs sooner, what a difference they make to your life, which you will find as the months go on.

    Well done! :T
    PaD - £10
  • System
    System Posts: 178,355 Community Admin
    10,000 Posts Photogenic Name Dropper
    Well done Beccal! :)

    For me, finding out the worst thing my creditors could do to me (ie take me to court) stopped alot of unnecessary worrying.

    Be realistic - your problems aren't over, and as you start sorting your debts out you may find it drags and really gets you down. But in the end, as corny as this may sound, it's very much worth it and you will wonder why you didn't do it any sooner!

    Best of luck and let us know how you get on.

    Dave
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • lottie26_2
    lottie26_2 Posts: 246 Forumite
    well done Beccal good luck
    cc debt ( end dec 05) 6485 :eek:
    Currently:4475.73

    Shopping for March
    Week 1: £46.74
    Week 2:
    Week 3:
    Week 4:
    A+L loan but as I have already paid the intrest no point in paying it off early(dont get one) so going to save, save, save when cc paid off

    The £2.00 savers club:£24.00
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