My Very Long Journey

Desperate_to_be_debt_free

I had a letter back basically telling me to go away! Not sure whether I'm going to go to the FSA yet as we're not talking a large amount of charges. Also as the debt as been passed to a DCA I've approached them to ask if they'd accept a F&F offer on the debt. Only offered 30% of what's owed. Was hoping I'd have had a response back by now but nothing.

Am really deflated with debt busting at the moment. There doesn't seem to be enough money to go around and not being able to pay anything off is really pulling me down

REDMADCURLS

DTBDF I am feeling exactly the same way...................sometimes it just seems to get harder and harder and you never get a break.....................but what can we do but just keep going!

Herewego

Could you spare a £1 a week at least it would feel like something or 50p a day if you could see it going down daily maybe it would keep you motivated.
Make sure you get out and enjoy the weather start your tan off before your holiday

Woowoo

Hi DTBDF

You doing ok?

Desperate_to_be_debt_free

Hi guys I'm doing absolutely begger all!!! Not made any additional payments but it is payday tomorrow so hopefully make a little payment to Next. Have got another tough month but if I pay an extra £20 off Next it'll be something.

Herewego

Wohoo to payday, i'm still waiting roll on friday

Woowoo

£20 is good and will help reduce the interest charges a little more at least x

Desperate_to_be_debt_free

Pay day today for me Herewego and I've made a £20 payment to Studio. As the debt is with a DCA and they haven't got back to me regarding the F&F I thought I'd better maintain payments in case they threaten me with court. I've also e-mailed the DCA asking them where my response is so hopefully it'll get me the response I require fingers crossed. This is the first ever F&F I've tried to negotiate, the only trouble is that this particular DCA are really difficult so we'll have to wait and see.

Had letter off tax credits yesterday and despite an increase in my income it hasn't affected my tax credits (Phew, was worried about that) they do drop my tax credits from 1st September though as my son leaves school but as he's going to college full time I'll get the full tax credits. I must remember to phone them once I know he's been acceted into college.

Feeling a little more positive today but it could just be because I've made a £20 overpayment

Desperate_to_be_debt_free

Hi guys I'm back and getting more positive every day. Have had an e-mail off the DCA who say they are looking into my F&F offer. It would be fab if Studio would accept just under £100 to clear the debt. I'd be thrilled to bits. Don't know whether it'll happen though.

Had a letter off GE Money today to say that they owe me £117 but as I have a secured loan with them they are going to take the amount off my balance. Still I mustn't grumble as it's better off being in my account than theirs.

Money is all accounted for this month so can't see many overpayments being made and any spare money I do have will have to go towards spending money for holiday in July. I know OH will give me money to go but I'd like to try and save some for myself. I've also got lots of overtime to work this month so that the money will come out just before I go away. I've also got £51 coming from Quidco this month so that's going into the holiday spending money fund.

REDMADCURLS

Well done, you should have a good holiday and be no deeper in debt............thats a major achievement! Can't remember the last time I went away and didn't add to debt!