at last

murphy2

At last i am facing up to years of debt denial , What a mess . But the future has got to be good , I have been viewing the site since Nov 2005 ,getting tips and putting a plan togther , So i have just signed and posted back my budget sheets etc to CCCs and written of to all my creditors, As others have said MBNA are not v nice but i owe them money so i have to take it on the chin ( do shout a bit afterwards tho ) Thanks to the national debtline my wife and others on this site , Heres looking forward!! sure i will have questions soon, but thank god i can hopefully get this sorted asap and get on .

southernscouser

Well done Murphy for making 2006 the year to get sorted. :T

If ever you need any help or have any questions, or need a shoulder to cry on or a kick up the !!!!!! this is the place!

Good luck

SS

tattooed_lady

Good for you murphy2, CCCS are great IMO. What's the total of your debt if you don't mind me asking?

murphy2

Cheers ,sure i will need all of the above , its a v scary time but its got to happen , So on a good day Bring it on !!! On a bad day Bring it on a wee bit !!

murphy2

£ 75000 , one divorce ,stress , depression etc. dont mind you asking at all

Rikki

Well done murphy for taking the first step its the most frightening.
You will find all the help and support you want on this site.

Rikki

murphy2 wrote:

Cheers ,sure i will need all of the above , its a v scary time but its got to happen , So on a good day Bring it on !!! On a bad day Bring it on a wee bit !!

Nicely worded. Even when your not feeling your best just a little helps. Good for you.

loubie_lou

Good for you Murphy....I posted a similar thread to this today. I finally decided to kick my own butt and do something about my debts too!

Good Luck!

murphy2

Thanks to all and good luck to you as well loubie_lou . Just had Mbna on the phone again ( 6th time ) since 8;50pm on Sunday night, instead of going with CCCs they suggest that i take out a secured loan against my home ! Nice i thought but said no ta !! Has anyone had any luck ie tactics with these cheeky chappies? Just being as nice as pie at the mo . Dont think there is anything else to do !! Have now started asking for names etc and taking notes when they call .

Tondella

I think you're taking the best approach for the moment murphy2, although i think if it all gets too much you can ask for all communication to you to be in writing so you're not getting hassled on the phone. I think your firm but polite approach should have them giving up on you soon enough.

loubie_lou

OMFG!!!! I do not bank with MBNA and never will after the hell stories i've read on this board!!! Harassing people even at work....Jeeeeeeeeees....just tell them to sod off and you'll only communicate with them in writing. If they continue to hassel you threaten them with legal action or something...

They make my blood boil!!!