Starting my DMP on 1st Feb... Anyone want to join me?

pure_dead_dopey

tedsd wrote: »

PDD, Putting the duster to one side for a moment... that last sentance had me:rotfl:

Trying to watch the rugby here and am howling:rotfl::rotfl::rotfl:no bloody idea what I meant. Must go get a wacko:rotfl::rotfl::rotfl:

nataz

PDD oh pass one over will ya! Could do with the choccy. DS was up all night crying and now refuses to eat. Arghhhhh I hate kids when they're ill - yuk

Am pretty amazed with myself though, I actually managed to do my driving lesson with just 4 hours sleep. The test should be a doddle!!

nataz

ummmmm rugby players!!!

:rotfl::rotfl::rotfl::rotfl::rotfl:

pure_dead_dopey

nataz wrote: »

ummmmm rugby players!!!

:rotfl::rotfl::rotfl::rotfl::rotfl:

Give me a few minutes and I'll tell you about rugby players, they smell, of muck, sweat, ralgex, blood, more sweat, 2 month old sweat (they never wash their protective shoulder pads so that they stink and put the other side off in the scrum) and did I say they:rotfl: were smelly. They come home with broken bits, bits missing, (OH has bits missing from both ears), covered in blood or with a sheepish friend to explain the accident. And thats only when they turn up 100% sober after a game which is a rare occurence in itself, they usually turn up talking fluent swahili, smelling of all of the above and have lost their kit (they find it later by the smell):rotfl::rotfl: However they do have lovely thighs and are all muscelly so there are some positives. Did I say the smell a bit and have bits missing???? Going to have another whacko, at least no body playing rugby to-day because of the internationals, and I include the whole bl%%&& Scottish team in that statement, they need a good talking to as well and don't get me started on that referee (I bet he works in a bank:eek::eek::eek:

NaughtyMummy

pure_dead_dopey wrote: »

Give me a few minutes and I'll tell you about rugby players, they smell, of muck, sweat, ralgex, blood, more sweat, 2 month old sweat (they never wash their protective shoulder pads so that they stink and put the other side off in the scrum) and did I say they:rotfl: were smelly. They come home with broken bits, bits missing, (OH has bits missing from both ears), covered in blood or with a sheepish friend to explain the accident. And thats only when they turn up 100% sober after a game which is a rare occurence in itself, they usually turn up talking fluent swahili, smelling of all of the above and have lost their kit (they find it later by the smell):rotfl::rotfl: However they do have lovely thighs and are all muscelly so there are some positives. Did I say the smell a bit and have bits missing???? Going to have another whacko, at least no body playing rugby to-day because of the internationals, and I include the whole bl%%&& Scottish team in that statement, they need a good talking to as well and don't get me started on that referee (I bet he works in a bank:eek::eek::eek:

Im am laughing out aloud and with tears rolling down my face :rotfl::rotfl:!!! My other half is Welsh, and yes mad for the Rugby. He does not play but is so passionate about it. What a lovely description of the lads though!

pure_dead_dopey

NaughtyMummy wrote: »

Im am laughing out aloud and with tears rolling down my face :rotfl::rotfl:!!! My other half is Welsh, and yes mad for the Rugby. He does not play but is so passionate about it. What a lovely description of the lads though!

good job it isn't smellyvision:rotfl::rotfl::rotfl:

cameron1

Hi all

Im afraid im not a man. Just another "mental" and very hormonal female! Especially at the minute.

Thanks for the replies. I know what i have to do. I cant bury my head in the sand or keep praying for a lottery win.

The fact is my debts total £36,000, £19,000 of which is credit cards. Ive been paying them off for the last 2 years but the balance is still the same as it was back then. All i can manage in the minimum amount and they add it straight back on in interest. So I will NEVER pay them off.

Bankruptcy is not an option.
Family helping is not an option.

So that leaves IVA or DMP. Of the two i would much rather a DMP.

Heindseit. Dont you just love it!

x

mamajojo

cameron1 wrote: »

Hi All

Ive got my CCCS paperwork sitting here and still debating whether to send it back or not. I need to. Im just so worried.

What if my creditors dont accept it and one of them petitions for me to be made bankrupt. In my job, bankrupcy is a sackable offence. Seriously. Your gone.

Added to which my debts total £36,000. I know it will take me a while to pay it back at £624 per month but thats fine. At least there would be a light at the end of the tunnel. Even if its a very long tunnel!!!!!

Its the "what if they dont accept it" that worries me?

Hi Cameron
:THave you sent it back yet? Honestly the most positive part of the process so far for me - apart from this thread:A has been the dealing with the debt, facing it and knowing we are doing something about it. Its let me breathe again and start having a life to enjoy my children and dh(when he is a dh and not a bh) and not stress non stop.
Will they accept, well if they don't they still get the money and you keep on at them, you will be paying what you can afford, your figure each month is much better than ours and our debt is higher. I'd have felt much more confident about acceptances starting this process with your numbers!

x

mamajojo

Tedsd - :rotfl:arhh tooth fairy, seriously dd has three on the wobble ! If only a lottery win (but not just so you could soa it!) We've stopped doing it, but still can't forget the numbers we used to put on every week for years!

Going to have to try the whacko bars !

Nataz - nightmare:eek: with the swimming, think I'd just have put my clothes on over the cossie, can your little ones do the under water swimming?
How's DS now, hope not to exploding, my ds is better now, a week later! He's started eating and is saying mmm yummy to everything he puts in his mouth!

Gibbs hows the new telly going!?

Had another bizarre communication from next, asking me to sign a new credit agreement....mmm me thinks NO!

Hope you are all having a good Sunday. Wish it'd warm up a bit so could stop the shall i or shall i not put the heating on for an hour!

true27

Hi guys!

Guess what? I watched the rugby in the pub yesterday :j :j :j got a little bit squiffy though and only woke up an hour ago

Thank you so much for all the virtual support, I could never have got through the past week without you lot

Seriously Cameron, you are in the best place for advice, hugs, kicks up the butt - whatever you need on a day to day basis. Send the paperwork back, you'll feel so much better. It sounds like an IVA would be a really bad idea for you job wise, but the guys at the CCCS are brilliant and will take so much stress from you.

Hugs all round guys, happy weekend :j