too afraid to tell hubby

bank_of_slate

jodan wrote: »

Hi everyone, have spoken to someone at cccs who have taken down all my details and they came up with a figure of £428 for repayments to creditors which is an amount I can actually repay. I don't think I had missed anything when i did it online but obviously being a bit dim I had. I knew there was no way I could afford over £600 in payments. Was told that they would email info for me to look at and that I could call back tomoz to say if I think this is best solution for me (probably my only solution). :rolleyes:
Feeling positive for first time in a week.:D
Before I go, will claiming bank charges, credit card charges and ppis affect whether creditors will accept offers, and what happens if they refuse offers cccs make?

Make sure you put in a 'financial hardship' claim for the fees. That way they have to consider your case now instead of waiting for the test case.

Have you introduced your husband to this site and all the help and support that is available?

Start doing paid surveys (see the up your income board) and enter competitions on the competitions thread, these things can mount up!
And the change jar is an excellent idea!
...Linda xx

bank_of_slate

Miss_J wrote: »

Sorry for picking up this thread late on, one thing I noticed was your MBNA interest rate. MBNA recently wopped my interest rate up to 29.9% and I called them to query this. They agreed to reduce my rate to 20.9% provided the stop the card and I make payments to pay back the balance I owe on it. This has dropped my monthly payments by £50 which means I am getting more of the balance down. My debts amount due to studying for 3 years but know I'm working I hope to never use a credit card again so I'm happy for MBNA to cancel the card and once the balanec is paid, it's gone forever which I'll be happy with. Might be worth speaking with them to see if they can do something similar for you.

:T:T:T:T:T:T:T:T
Fantastic, sometimes all it takes is a phone call!
...Linda xx

turfy6

Just wanted to say well done, and stay positive, you can do this and a day no spend just proves it.:T

tudorfan22

hope its going well today - will keep watching your post with interest, just wanted to say wishing you all the best really ((((hugs))))

jodan

Quick post to let you all know how I'm doing. Have asked cccs to send out dmp, and will be sending nominal amounts to creditors this month.
Saving £25 per month on sky. YEAH!
New utility provider is saving me £12 per month with £15 cashback. DOUBLE YEAH!
Have joined lightspeed panel and global test market to do online surveys (just completed 1st one), goin 2 save these points towards xmas.

And biggest and best news - hubby is being super supportive as he can see I'm sortin this big mess out.

Anyone out there who is in a similar position, please be aware there is a way out of that dark hole.
Good luck to all, and well done to those already dealing with their debts. (((big hugs)))

bank_of_slate

jodan wrote: »

Quick post to let you all know how I'm doing. Have asked cccs to send out dmp, and will be sending nominal amounts to creditors this month.
Saving £25 per month on sky. YEAH!
New utility provider is saving me £12 per month with £15 cashback. DOUBLE YEAH!
Have joined lightspeed panel and global test market to do online surveys (just completed 1st one), goin 2 save these points towards xmas.

And biggest and best news - hubby is being super supportive as he can see I'm sortin this big mess out.

Anyone out there who is in a similar position, please be aware there is a way out of that dark hole.
Good luck to all, and well done to those already dealing with their debts. (((big hugs)))

:T:T:T:T:T
See, you're well on your way to becoming a money saving expert!
You'll find yourself quoting MSE to anyone and everyone.

Keep posting and pop along to the daily chat thread to get to know the regulars.
...Linda xx

jodan

bank_of_slate wrote: »

:T:T:T:T:T
See, you're well on your way to becoming a money saving expert!
You'll find yourself quoting MSE to anyone and everyone.

Keep posting and pop along to the daily chat thread to get to know the regulars.
...Linda xx

What's daily chat thread and how do i get there?
I know! Totally computer illiterate but I did warn people.lol:D

bank_of_slate

It's here!
http://forums.moneysavingexpert.com/showthread.html?t=1871311
Every day there is a general daily chat thread for DFW'ers to chat, it's usually loads of fun, I've been in stitches on occasions and everyone is great.
We've even had a few meets when we all get together!
...Linda xx

System

Hi Jo
It seems like you are already making significant progress to setting up your DMP. It will only get better. Get yourself on the chat thread. I found for me, here gave me the opporunity to be myself albeit in a virtual world but I really could leave all my troubles behind. It was invigorating.

Oh, hows hubby being? Len

jodan

bank_of_slate wrote: »

It's here!
http://forums.moneysavingexpert.com/showthread.html?t=1871311
Every day there is a general daily chat thread for DFW'ers to chat, it's usually loads of fun, I've been in stitches on occasions and everyone is great.
We've even had a few meets when we all get together!
...Linda xx

Thanks, will have a peek when I got time. Just filling out my template letters asking for copies of default charges to my credit card companies. Have got reply from Abbey already saying all cases are stayed, so gonna write see if I can push it along pleading hardship case. Thinking I might have a go at getting ppis back too.:D