Debt Free Ramblings from BlueJeans

BlueJeans_2

gargrave50 wrote: »

Also, just a little demotivating fact re: your paper addiction. Its costing you £109.50 each year.:eek:

BlueJeans_2

edinburgher wrote: »

We've got a veritable gang of badly behaved grapes on this thread

Grapes behaving badly

BlueJeans_2

gargrave50 wrote: »

Meant to say - hope you do Valued Opinions surveys?

Hi hun

Yip I do these.

Thanks x

BlueJeans_2

gargrave50 wrote: »

Morning BJ,

I too am a little foggy this morning. Not Mr Merlot to blame but little Miss Chardonnay. Never again.

What post do you need some advice with - anything i can help with?

Also, just a little demotivating fact re: your paper addiction. Its costing you £109.50 each year.:eek:

I'm off for a shower and then Tesco. What a wonderful life

I will read through the letters properly tomorrow can't be ar*ed today my Merlot head is still with me, although it is more of a mist now than a fog:D

BlueJeans_2

gargrave50 wrote: »

Hi D,

Letter I cobbled together as per your pm

Thank you for your letter of xxx 2009, received today.

You will be aware that there is no legal requirement for me to utilise a debt management company such as CCCS or Payplan, and that I am entitled to negotiate directly with yourselves with regard to arranging repayment of the debt owed. As explained in my original correspondence, the pro-rata amounts offered to each of our creditors was calculated on a pro-rata basis by CCCS, as used by the county court. I have taken further advice from the national debtline advice line, who also assisted with the calculations.

Your letter alludes to the fact that a benefit of going to such advisors includes a reduction in interest and a stop to further charges being applied to the account. These benefits are decisions that your company can make regardless of whether you are approached by a debt management company on my behalf, or directly. As responsible lenders, I am sure you are aware that to continue to charge interest and apply charges would not assist in my present financial difficulties, and can only serve to increase my total debt. As you are aware, I have already paid considerable sums in interest to the account. If interest and further charges continue, the weekly payment I make will not even cover the interest and as a result, I will be unable to repay the debt owed to you. If interest is frozen and further charges are suspended, it is estimated that my total debt can be repaid in only xx months, as the £xx weekly/monthly payment will actually reduce the balance outstanding to your company.

The majority of our other creditors have agreed to the offer of payment and agreed to suspend any interest charges still accruing. I would therefore be grateful if you would reconsider the offer made to you of £xx per week. I believe that I have taken appropriate advice, and made an achievable and realistic offer of payment to your company, and look forward to receiving your response.

Thanks for this Gar:T:beer:. Will sort this out tomorrow as well - early night tonight me thinks:o.

BlueJeans_2

Well I have no ramblings to day as I have pretty much sat on my behind and not done very much. Got the kids a McD's for tea so it wasn't a NSD - again:rolleyes:.

MyopicMoo

Hi BJ,

Sorry to hear that Mr Merlot was so unkind. Good luck tomorrow with the post - we are too early in the process to have anything interesting!

I have to say I resorted to Ms Pinot G (but with soda as I'm a wuss).

gargrave50

MyopicMoo wrote: »

Hi BJ,
I have to say I resorted to Ms Pinot G (but with soda as I'm a wuss).

Just say no - save yourself!:rotfl::rotfl::rotfl::rotfl::rotfl:

Only joking - enjoy! I might part company with Ms Chardonnay for a while:rolleyes:

BlueJeans_2

Good Morning Folks

I feel soooooooo much better today.

I have had a quick peek at the posties offerings yesterday and they don't seem as bad today, gosh my head must have been foggy y'day.

Just getting the boys ready to take the eldest to footie practice - oh the joys! What a great way to start a Sunday morning!

Well ,I shall be back later and update you all on the letters received.

Bye for now
Blue

gargrave50

You are starting early this morning BJ! :hello:

Enjoy football - hope you get better weather than we have here:) Ooh and over 100 posts - you must be rambling on good style!:D