dottyanne's debt diary

OberonSH

Just the fact that they wnat to relocate the market, so now would be the best time to scoot. Plus I'm getting sick of not being able to expand because of the debt.

Pobby

Hey dotty,glad things look positive for you.I sent a little pm yesterday cause I hadn`t seen you around.Hope your appointment goes well.

Careful_girl

Another bit of support from the Careful one, Sounds as though you have been working hard and organising things. It is a pain waiting but at least you can prepare yourself for the meeting with any questions etc.
Will be thinking of you.
CG:j

dottyanne

Flippin heck - my diary thread way waaaaay back along the old pages - well although i have another couple of threads going i should update - got my call with CCCS in 2 days - im getting prepared nicely thanks to all the help and advice ive been given - particular thanks to Wonder_Girl - shes been fab - its so nice when we can all give each other help, advice and suport on here!! thanks and i will let you all know how it goes!! dotty xx

dottyanne

Just thought i'd pop on to say hi.........nothing much to report - although with the kind help of Wonder_Girl i have my figures all ready for the phone interview with CCCS tomorrow............I'm thinking of doing the same with all my business debts (although these are not very high - i am behind on a few things due to my poor management) and I am going to work out exactly what the business needs to make each week to 1. Pay its own bills in full, 2.Pay hubby and my wages and 3.pay the arrears on outstanding bills..........wish me luck!! dotty xx

Careful_girl

All the best for tomorrow Dotty!!
CG

OberonSH

Hey dotty, good luck for tomorrow, girl. I've done what you're thinking of doing, but was really disheartened when it worked out shop has to take more money!

Let us know how you get on, and I'll send you happy, moneysaving thoughts tomorrow.

dottyanne

Hey C_G - hows it going lovvie? not heard from you for oh................days!!! lol

Hiya Obi - I know what you mean - i 'sort of' worked out what the business has to take each week in profit (after stock) etc to pay us, bills and also debt and it was quite a shock!! However, im only going to pay myself £80 pw for the forseable future and try to make up some of that extra by doing that....will update you once ive done it!!

dotty xx

Careful_girl

Sorry Dotts been working very hard:A . Am really pleased to hear you are getting it all sorted.What did they say? You sound good!!
Back to the work!!
All the best,
CG:j

dottyanne

Hey CG, basically they recommended a DMP, at the figures quoted it will take just under 10 years to pay off my debts, however you ARE allowed to pay in lump sums over the period and they review you once a year also. This is ideal just in case as a lot can and does happen over 10 years - basically im gonna look at it as 10 years MAXIMUM - hopefully this will not be so and i can get straight a lot sooner - however the pressure will be off and i may be able to actually 'live' a little in between. The CCCS were great and I would recomment them to anyone!!

dotty xx