Frightened about my future

never-in-doubt

savingwannabe wrote: »

NID can we nominate you for some kind of award for being so helpful? Who can we email?

:j

lol, thanks but it's really not necessary.... we're all here to help as best we can, right? Some use knowledge, others use kind words - it all helps when you're in a bad way with nowhere to turn.... You never know, one day i'll maybe need help and one of the people i've previously helped will jump in and save me but ultimately, it's just funny (to me) getting one over on the lenders.... :rotfl: :rotfl:

Thanks again - you're really too kind

savingwannabe

Can someone tell Martin Lewis that NID rocks and we are jolly grateful!!!!!

jinny

savingwannabe wrote: »

Can someone tell Martin Lewis that NID rocks and we are jolly grateful!!!!!

like I said over on his thread NID FOR CHANCELLOR!!!!!!!

savingwannabe

Ann do read my PM. Am delighted.

I am going to sleep. V tired. Goodnight all i have to wake up early to mark a paper, write reports and plan a lesson. Yuk! I still nominate NID for an award.

Goodnight all.

:j

savingwannabe

We are the NID fan club. We would like Martin to know how chuffed we are with NID's advice and kindness.

signed saving wannabe, jinny and mouseann.

:j

BLT_2

mouseann wrote: »

Thanks for this George and Chivers,

I have to confess that I have spent the weekend wondering how the phone call with Payplan will go and what options they will offer me.

And I full agree with the statement about not doing anything in a rush and listening to all the knowledgeable people on this board. I dread to think how I would have survived without this support.

Still not sure I really understand the enforceability issue. Certainly most of my credit cards are pre-2007 (think all but one or two?), admittedly with lower credit limits. I understand that the charities will not help with this so not sure how to "go it alone"? I think there are some people on the forum who are knowledgeable about this so would appreciate their advice. I also fully realise that this is not a universally popular option - in my defence, over the last years I have paid the banks an astronomical amount of interest. (Not that this will make any difference whatsoever!)

Again, help, advice and just kind words are so greatly appreciated.

I think you will find that for people in your situation the non enforceable route is popular, and recommended by most on this board. The banks have brought this on themselves by their usurious charges and by the way they increase interest charges as the first sign that an individual is suffering financial difficulty.

Stick with it, I am sure it will be difficult and there may be many sleepless nights, but far less than if you had not sat down and faced up to the situation.

Good luck

mouseann

Yes, I do agree re an award for NID.

And if he did become Chancellor he could sort out the banks - not sure what will happen whoever wins the election ....

mouseann

Thanks BLT,

I really appreciate those encouraging words!

And I think it was the lovely people on this board who helped me face up to things - with practical support, knowledge and just kind words - when they were most needed!

I no longer feel totally alone!

GeorgeUK

NID, just a small techy question so hopefully not going to make mouseann concerned about this.

The Barclaycard letter, would it not put them in a weaker position by waiting until the 12+2 days had passed before replying so that the debt was officially in dispute before pointing out their error?

GeorgeUK

Mouseann, i totally disagree with your comments about NID!!!

Let him sort out the banks? The first thing he'd have them do is write off all debts that don't have a properly executed credit agreement. He'd put most of them out of business :rotfl: