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hindsight_2
Posts: 31 Forumite
After reading some inspiring threads, I was feeling somewhat motivated. I have had a rollercoaster week - had a CCJ on wednesday - Harrington Brooks were acting on my behalf but failed to inform me that one of creditors wanted £200 instead of £36 per month, so I termintated my contract with them :rolleyes:
I owed one of my creditors £186, I called them to get their details and the guy said to me if I can pay it now they will accept £120! £60 savings!!!!!
So I did. :j
Feeling inspired, when I get paid next month, I will contact one other creditor who I owe £300 to and see if they will accept less if I can pay it off. I will carry on to pay all my creditors the minimum, but try and save about £200 or so a month and then every 3 months call another creditor and see if they will accept less!
To all of you who have inspired me this week - THANK YOU! And to those of you who was feeling like me, chin up and please do not lose that motivation.
The CCJ has blemished my record for 6 years, but thats now in the past and I have to look to the future!
I owed one of my creditors £186, I called them to get their details and the guy said to me if I can pay it now they will accept £120! £60 savings!!!!!
So I did. :j
Feeling inspired, when I get paid next month, I will contact one other creditor who I owe £300 to and see if they will accept less if I can pay it off. I will carry on to pay all my creditors the minimum, but try and save about £200 or so a month and then every 3 months call another creditor and see if they will accept less!
To all of you who have inspired me this week - THANK YOU! And to those of you who was feeling like me, chin up and please do not lose that motivation.
The CCJ has blemished my record for 6 years, but thats now in the past and I have to look to the future!
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Comments
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Well done! That's a great result! And a fab plan too. Keep us posted!:cool: DFW Nerd Club member 023...DFD 9.2.2007 :cool::heartpuls married 21 6 08 :A Angel babies' birth dates 3.10.08 * 4.3.11 * 11.11.11 * 17.3.12 * 2.7.12 :heart2: My live baby's birth date 22 7 09 :heart2: I'm due another baby at the end of July 2014! :j
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Until I found this board I had no idea either that you could contact your creditors and make them a settlement offer. I have seen quite a few people do it. I assume this is where you have entered into a reduced payment scheme with them, not when you are paying the min payment each month and they don't have any idea that you are struggling with debts!
Even so ... that's great that you've saved some money. Good luck with the rest!!** Official DFW Nerd Club Member 009**
Total Debt 01/02/11 [STRIKE] £64,912 [/STRIKE] 01/04/16 [STRIKE]£32,700[/STRIKE] 01/01/19 £0 :jNSD's for Feb 01/15 GC £0 / £3000 -
I love full and final settlement offers as they benefit both sides. Hope the others agree to your offer.Barclaycard 3800
Nothing to do but hibernate till spring
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