A great feeling when-----

john_kent

Finally , all creditors have accepted my propsed payment plan to them.

And it is a great feeling getting the statements and seeing that there is a reduction in the balance and not the balance staying the same as the intrest has been paid off only.

My credit record is shot to pieces , but as I never want credit again , that is not an issue

Emmzi

Gratz, JK. Glad things are looking up for you!

john_kent

Things couldnt be better. Since tackling this problem , I have slept better and my performance at work is "exemplary" and have been given a pay rise.

At the part time job , I am now doing more hours and have also got my PC work which is earning me a lot of dosh at weekend.

The debt issue was definatley knocking me down and in January , my girlfriend visited. She new somethign was wrong as I want my usual self. Now our relationship is great , we talk daily and I plan to go there at somepoint (cash allowing this year)

Have learnt that things like car servicing must be done by me. I must not go out 4 nights a week. But financially things are on the up

In_Search_Of_Me

What a huge relief for you! look forward to seeing your balances going down when you update your signiture...

Donedoingdebt

Keep your chin up. I'm 6 1/2 years into my DMP with about 2 years to go. As I've said on previous posts I actually look forward to my monthly statements coming through the post now as I can see all the hard work I've done is really paying off. When I get my fed up of being in debt / lack of motivation times etc, I get my earliest statements out & put them next to my last statements just to see in writing how well I've done & to give me the extra kick up the #### that I need. 2 years & counting!

Chortle_2

John, I am really pleased that things have started looking up for you :T

I noticed I hadn't seen any of your posts recently and wondered how you were doing - keep it up

Sea78

That's great news- really pleased for you

Look forward to seeing thedebts go down...

Sea xx

tesuhoha

Bless. I wish you good luck. its so heartbreakiing having to pay all that interest and lovely when all your money goes off the debt. At least youre getting something for your money.

LookingAhead

Really pleased for you JK, it all sounds so much more positive. Congrats on the pay rise too!

beanielou

Great news John.
Think you & I came on board about the same time.
Good knock on effect on your relationship as well.

BASKETFULL

Great news JK an inspiration to me.

I've just come on board + have had my interview with CCCs. Its great to talk to someone + feel better for it BUT when they say it will take 20yrs :eek:

I think I'm going to have to put a thread of my own on to find out how you guys have done it. Plenty of questions but don't want to take up JK's momment.