dottyanne's debt diary

*zippy*

Yes dotty they are hoping you will take a partial payment and go away. They owe you the full amount so stick with it. Why not ask ss he's just had his charges back?. Did anyone else read on here that you can tell them you will except that cheque as part payment, but you will be pursuing them for the remainder?

dottyanne

Hey Zippy - I owe £285 to Crap One and theyve offered me £367 (or thereabouts) so this would pay them off in full and give me about £70 quid over.........im a bit reluctant of going to the Court stage and wondered if anyone has ever said - ok lets make it half the amount say £450 and i will accept - what to do?

dottyanne

Hey everyone - hope all ok - nothing really to announce other than things here getting back to normal, paid my 2nd payment to CCCS today aswell, only another 118 to go :-).............personal cash wise things not too bad even with the 3 and half weeks off,,,,,,,,,,business wise - every penny counts at the mo as ive got some serious catching up to do ! but they hey - whats new!!

dotty x

spud30

Hey Dotty :wave:

I was thinking about you this morning - I made my second payment to CCCS too :T

It sounds like you are getting back on track. What have you decided to do re the bank charges?

dottyanne

Hey spud - snap - made my second payment via Direct debit!! thats another £276 off my debts!!

Im gonna go for this settlement as it will pay off my capital one card fully and leave me about £50 quid after - this will be one less debt and ive got another 4 Credit Cards and 1 Bank that im gonna reclaim charges off too!!

£31,938.28 is where my debt stands at the moment - horrific yes but its coming down in the right direction!!

dotty

spud30

Hi Dotty,

I'm paying mine by standing order, unfortunately only £35 at the moment.

I start my new part time job number 2 on Wednesday, so we're hoping to be able to increase the amount soon.

You have to do what's right for you with the bank charges hun. At least it will be one debt less for you to worry about.

x

southernscouser

Hello ladies! :cool:

Well done to both of you on your payments1 :T

Hows things dotty? Are you feeling better?

*zippy*

Just wanted to say hi dotty :hello:

I could have done with you today. DD has some how downloaded popcorn spyware. We can't get it out so OH is taking it to the computer shop tomorrow.More £££'s gone not budgeted for. Hope it doesn't take to long or there will be no mse :rolleyes:

Sounds like your doing well, good that you can do a count down of payments like that, seems more positive than thinking I still owe £x.

lynzpower

Hey Zippy - I owe £285 to Crap One and theyve offered me £367 (or thereabouts) so this would pay them off in full and give me about £70 quid over.........im a bit reluctant of going to the Court stage and wondered if anyone has ever said - ok lets make it half the amount say £450 and i will accept - what to do?

Hun, it wont come to that, honest. Chances are they will just cough up well before then.

I had Smile pay up after first letter
I had co-op pay up after second letter
I have booked court for lloyds, theyve offered me the money in any case now, just waiting for a few more bits to be sorted
I am about to go for barclaycard after they have naffed me about, sending a
letter today.

The positive thing if you get to the court stage is that you get to add on 8% interest, which to me amounted to just over £200.

And also wanted to say hi stranger, havent seen you about in ages, hope thngs are going ok, and looks like your DMP is working out for you? IM reallyt pleased

Verbatim

Hiya Dotty,

Good to see things seem to be looking up for you. Such a complicated life but you seem to have got a really solid plan of action to sort it out.

Shame to let Cap1 off with so little when they'll pay up soon in full if you can hold on. Still nust be tempting to grab the cash now!