📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Going to sort it!

24

Comments

  • Hobsch
    Hobsch Posts: 613 Forumite
    Yes - I think I will aim to do that.

    Just found a letter hidden away that arrived today. From MBNA saying they have advised the credit reference agencies that my account is no longer in arrears (although the amount owed is still the same). That's some good news I guess?
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • tesuhoha
    tesuhoha Posts: 17,971 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Mortgage-free Glee!
    Things are really looking up for you already. Its amazing how it all starts to get better.
    The forest would be very silent if no birds sang except for the birds that sang the best






  • Hobsch
    Hobsch Posts: 613 Forumite
    I cant agree more. Already after just a few hours of signing up things are looking better. I feel very good inside.
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • fatbelly
    fatbelly Posts: 23,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Would O2 take £20 as a 'full and final'? Would Payplan be happy for you to try that?
  • Hobsch
    Hobsch Posts: 613 Forumite
    I am not sure but a good point and I will try tomorrow.

    As for Payplan I spoke with them and they said any extra money I had should be distributed between all the creditors. However, a nice helpful girl there told me that I could pay any off myself and advise Payplan it was dealt with by a 'family member'. She just said be careful with any linked creditors - eg. paying some off to Barclaycard as the Barclays bank account and Barclays loan may get annoyed with this.

    Let you know how I go with o2.
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • Hobsch
    Hobsch Posts: 613 Forumite
    Paypal payment for May has cleared so in slightly less debt now - Always pleasing.

    Contacted moorcroft (acting for o2) and offered £20 for final payment - no response yet.
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • Hobsch wrote:
    its comforting to read everybody's experiences and to know I am not alone,

    I thought i was all alone for years and years :rolleyes:
    Its amazing what you can achieve with some moral support off people in the same boat as you :D
    We will ALL get there in the end.

    Good luck & welcome to MSE :beer:
    Debt at highest £16k+
    Debt at lightbulb moment £14,800
    Current debt £6336
    Cleared £4206 in November 05 How ? Bye Bye PPI :)
  • Hobsch
    Hobsch Posts: 613 Forumite
    Many thanks OIB.
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • Hobsch
    Hobsch Posts: 613 Forumite
    Just been online and made a call to Egg who say my account stands at £7926.82 and not £8042.45. This is being handled by Moorcroft and Egg have said they should not have added anything on - so hoping for confirmation that it is the lower amount and I will be £115.43 better off!

    Made my offer to Moorcroft (acting for o2) to clear the debt with a £20 payment and heard nothing from them still.

    Just an update to keep me focused.
    Total Debt now £22,525.07 Start Debt £32,732.36
    £10207.29 OF DEBT PAID OFF:j 31.18%
  • QueenB.
    QueenB. Posts: 1,083 Forumite
    1,000 Posts Combo Breaker
    Welcome to MSE and well done for facing up and dealing with your debts.
    This place really can be a breath of fresh air and the motivation and encouragment and advice is wonderful and touching.

    Fingers crossed that o2 accept your offer and looking forward to you hitting sub £30 k.
    Success means having to worry about every thing in the world......EXCEPT MONEY. Johnny Cash

    Cross stitch Cafe member 81.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.