dottyanne's debt diary

dottyanne

Thanks but motivation is seriously lacking at the moment - im having a bury my head in the sand moment and that aint good!!

Basically if i cleared the £2k of debts i would be up to date so to speak and then would have to do with the bsuiness as i have at home - work out a budget - in as much as what i need to bring in each week to cover things - but what about illness holidays etc - how would that work??

dotty x

dottyanne

Well - still feeling no better - you remember i mentioned i owe my dad £3100 and my mum £500 - well its benn put on the backburner whilst i try to get straight with other debts - its been at the back of my mind tho' - i feel a bit robbed cause i think secretly my dad has bailed my bro out of a lotta credit card debt - i think about £7k - not 100% sure but i think its doubtful he would have been accepted for a loan...............makes me wish id told parents now instead of facing it alone..........hes older than me and still relies on them for help.......!!

dottyxx

dottyanne

Poo - thats all i can say - was waiting for something from CCCS before DMP due to start 1st August and i got a letter asking them for some more informaiton on a particular creditor - they only thing i can do is send them all the correspondence ive received but i do hope it gets set up in time for August !!

dotty xx

spud30

dottyanne wrote:

Poo - thats all i can say - was waiting for something from CCCS before DMP due to start 1st August and i got a letter asking them for some more informaiton on a particular creditor - they only thing i can do is send them all the correspondence ive received but i do hope it gets set up in time for August !!

dotty xx

Dont worry Dotty.

We are both at virtually the same stage with CCCS. I sent my info off to them on Tuesday. On Thursday, I got a letter from CCCS asking for sort codes and account numbers for 3 of my creditors.

This was info I'd never had - paid all by DD.

Found 1 very easily, another had recently sent me a default letter, showing their bank details. The third I had to ring, mentioned that CCCS needed account details in order to make a payment.

Emailed my counsellor on Thursday afternoon with the information, got a reply same day to say all OK and now sorted.

Stop panicking, it will get sorted out x

dottyanne

Thanks spud - am gonna photocopy all the stuff on monday when i get back in work and then send them to CCCS recorded delivery...........btw your debt is about the same as mine too!!

dotty x

spud30

dottyanne wrote:

Thanks spud - am gonna photocopy all the stuff on monday when i get back in work and then send them to CCCS recorded delivery...........btw your debt is about the same as mine too!!

dotty x

We'll go through this together then.

Here's to the 1st August :beer:

dottyanne

Has anyone seen my other thread? the bloody business banking have paid into my account about £2k by accident - i know its not mine but what a temptation eh??

dotty x

dottyanne

Hey all - woke up today with a major headache - stress i think..........Been talking things through with OH about the business etc..We used to do call-out's for PC repairs but stopped when we opened the shop - however there is a call for home visits so this is what we are going to do again - cant hurt can it? I ca man the shop whilst hubby does the call out's..........suggested £25 for a call out - any ideas folks?

dotty xx

scottishspendaholic

Hey dotty,

Congrats on having the big pay-in - let us know what you make in interest! Ha ha! Remember Lenny's £10k!?!

Re. £25 for a call-out, I think you could charge more, like £25 an hour but it depends what the going rate is. What do other people in your area charge?

Love

scottishspendaholic x

methekidsandthecat

Hi Dotty

I hope the headache is better, it has been very close and rainy here which would not help a headache.

I think that anything you can do to increase your potential turnover will be good for business. How did you work out the call out charge when you did it before?

Dont forget to factor in things like increased fuel charges as these are probably more than when you previously did it.

I am such a complete technophobe when it comes to my sooooooo slow computer that having someone come to your home to sort it out sounds great - not having to unplug and carry the heavy thing miles from the carpark.

Have you thought about changing your advertising to reflect your new service...

Take care now

Me