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3 months on & creditors have all accepted

Just to let everyone know that I had a letter from HFC/Household bank yesterday to say that they've accepted the offer of payment from CCCS, just have to contact them in 6 months to review it. This now means that all 5 of my creditors have now accepted the offer of payments. :j

Just wanted to say to anyone starting out on dmps etc to hang in there, it'll take some time but will be worth it in the end :)

Thanks to everyone on the DFW board, I couldn't have done it without you all :T
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Comments

  • Hey ozzyfan,

    That's fantastic - well done! You are doing great!

    scottishspendaholic x
    MBNA = £4,000 / Next = £925 (approx. tbc on 19/8)
    Tesco = £2,910.11 / Smile overdraft = £500
    Bank of Scotland = £2,782.83
  • livinginhope
    livinginhope Posts: 1,897 Forumite
    Debt-free and Proud!
    Hi ozzyfan,wish I had your creditors,don't want to burst your bubble,but our creditors agreed to our offers then a few weeks later they are all starting to change their minds,interest is being charged again and calls and letters flowing in,at least I am in a better frame of mind to deal with them now.Hopefully they will see they not getting anywhere and change their decision again.
    Well done anyway (I'm dead jealous)
    Debt at highest £102k :eek:
    Lightbulb moment march 2006
    Debt free october2017 :j
    Finally sleeping easy in my bed :A
  • ozzyfan_2
    ozzyfan_2 Posts: 599 Forumite
    thanks SS & livinginhope :)

    livinginhope I'm really sorry to hear that you're having problems, I hope that they change their minds back again soon for you :grouphug:
  • Penny-Pincher!!
    Penny-Pincher!! Posts: 8,325 Forumite
    fabulous news

    PP
    xx
    To repeat what others have said, requires education, to challenge it,
    requires brains!
    FEB GC/DIESEL £200/4 WEEKS
  • isgman
    isgman Posts: 490 Forumite
    Well Done., It's Good News.
    :beer: Keep your Chin up.. it can only get better :beer:
    :confused: I'm one of those people who was born to have money, :confused:
    :confused: but I just don't have any!:confused:
  • Emmzi
    Emmzi Posts: 8,658 Forumite
    1,000 Posts Combo Breaker
    Gratz Ozzyfan, you must be feeling great!
    Debt free 4th April 2007.
    New house. Bigger mortgage. MFWB after I have my buffer cash in place.
  • fizzel81
    fizzel81 Posts: 1,623 Forumite
    great news
    hopefully we will start hearing from ours soon about payplan
    DFW nerd club number 039 :p 'Proud To Be Dealing With My Debts' :money: i will be debt free aug 2010

    2008 live on 4k +cb £6,247.98/£6282.80 :T
    sealed pot 2670g
    2009 target £4k + cb £643.89:eek: /£6412.80
  • ozzyfan_2
    ozzyfan_2 Posts: 599 Forumite
    fingers crossed for you fizzel, hope you hear something soon :)

    thanks everyone! (where's the thanks button when you need it?!)

    had a really bad couple of years but I feel like I'm turning a corner now :)

    wonder if this site will still be around when I'm debt free though! I hope so!

    thanks again, you're all brilliant :kisses3:

    (& Martin too of course!)
  • clarissa_D
    clarissa_D Posts: 246 Forumite
    Part of the Furniture Combo Breaker
    im happy for you well done hope other peoples will be sorted out aswell, i spoke to my bank they said there sorting my loan out so now 70 will be put in and 20 of that for overdraft repayments and 50 for loan hopefully fingers crossed this works then its 17 months till finished!! yay
    :eek: [STRIKE]£11,362.86[/STRIKE] [STRIKE]9,973.11[/STRIKE] Loan ;) DFX 2013 #050: £ / £10,149.04 :eek:
    C.C £507.55/£550.40 :T
    DFD Oct 2015
    :D Downshift Challenge 2013 :D
  • ozzyfan_2
    ozzyfan_2 Posts: 599 Forumite
    Hey clarissa, well done you too! thats brilliant :beer:
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