Frightened about my future

never-in-doubt

mouseann wrote: »

I will get the letters sent off today - as soon as I get up! Just a small query regarding Morgan Stanley. As this was the account for which they sent the "wrong" document - a signed agreement from someone completely different with the sam surname - do I still send the same letter as the others or do I send te one you originally suggested. It would be good to tell them that they had fouled up but I will be guided by you on this one!

And thanks very much for everything - as ever.

Hi Ann

You're just an eager beaver really - come on admit it (you knew i'd be here at 5am cos I told you I would be)..... :rotfl:

But seriously I told you i'd not leave things too long with you, as always if and when they respond let me know via PM/Email and i'll sort it for you.

Regards to Morgan Stanley - sorry, you're right (it's early and I forgot I done that other letter for them, then asked you to wait as per George's suggestion) - send the letter I actually done for you, it was personalised wasn't it - the one where i've accused them of being cowboys (pretty much every letter I ever write then!)...

So yes, send the other letter to Morgan Stanley.

mouseann

I would happily give you a job, NID.

But - I can't afford you!!!!

never-in-doubt

mouseann wrote: »

I would happily give you a job, NID.

But - I can't afford you!!!!

Ann,

£10 per hour and i'm yours (i'm cheap hahaha)

Anyway, hope you're a wee bit cheerier - so how many are we through so far? Is that about 6 agreements so far, that are subsequently unenforceable?

mouseann

Hi NID,

After today "we" will have responded to 5 (out of 17!).

Am still waiting for the 4th Barclaycard, RBS, Tesco, Santander (2), M&S (2), Amex, John Lewis, Capital One.

Am stukk waiting for confirmation that my pension has been paid into my new bank account - it is due on the 2nd - before contacting HSBC and First Direct,

And, yes, I am keeping you busy!

Nanny25k

pixiechick wrote: »

I think at the beginning everything is overwhelming, especially feeling stupid for getting to my age and being in such a mess. I don't understand all the different solutions and their acronyms, though I'm getting there. I just know I need to get a grip on my debts which, like yours, I have accumulated through 'normal' everyday living, no big cars, expensive holidays or flash Plasma TVs.

I'm off to bed now so that I can get up early tomorrow to start sorting out the mess that is my financial affairs.

mouseann wrote: »

Best of luck, Pixiechick,

I found that the hardest part was taking my head out of the sand and admitting I had a problem.

Now I just wish so hard that I had done it much earlier, when I was so much younger and still working with a decent salary. But isn't hindsight wonderful?

But it does feel good to be doing something about it - however belatedly!

Hi Pixiechick - As Ann says the hardest part is admitting you have a problem, once you've had that LBM it is very scary, but once you get on that road to being debt free it is such a relief. And don't feel stupid about it - I did exactly the same and I'm now 6 years from retirement and DH has 2 years! As Ann says isn't hindsight wonderful.

A xx

savingwannabe

Mouseann and NID and everyone,

Welcome back Superman! Oh my gosh what a wonderful read and start to the day. The world seems like a much better place! Well done, fantastic news, things will continue to get better.

Soon i think this will feel like a memory and you will be able to move on with your life and have a fab retirement.

Well done!!!!!Am beaming.

PS Nid you are not an alcoholic at all. We have all adopted to. Cos you make us feel brave. And we are glad you enjoyed yourself. You deserved it. Am going to get a Blue Peter Badge for you, I will send it to Anne and she can get it to you.

Hooray!!!

:j

pure_dead_dopey

Well done Mouseann, so many falling like ninepins, isn't Niddy a wonder (you are a wonder Niddy). You must be feeling so much better and you are giving us such hope, we've got loads that are about the same age as yours. Take care and keep up the really positive stance you are taking.

Go that wumman!!!

never-in-doubt

pure_dead_dopey wrote: »

Well done Mouseann, so many falling like ninepins, isn't Niddy a wonder (you are a wonder Niddy). You must be feeling so much better and you are giving us such hope, we've got loads that are about the same age as yours. Take care and keep up the really positive stance you are taking.

Go that wumman!!!

Morning PDD

Do you have debts that need looking at or are you doing the [STRIKE]wrong[/STRIKE] honourable thing and paying them off eeek!

If you need me to take a wee mooch for you, just say the word

never-in-doubt

savingwannabe wrote: »

PS Nid you are not an alcoholic at all. We have all adopted to. Cos you make us feel brave. And we are glad you enjoyed yourself. You deserved it. Am going to get a Blue Peter Badge for you, I will send it to Anne and she can get it to you.

Hooray!!!

:j

Morning SW - aaaaw thanks for your kind words :grouphug: (dodgy hug time).... Blue Peter badges are cool

pure_dead_dopey

thank you Niddy, do have debts, am paying them off, mainly because felt had no choice. OH is trying to be honourable cos he feels guilty and hates the hassle, but I'm working on him, trust me/ On DMP and all on 0% interest at moment, bar one and boy was that hard work! So consider us in the holding pattern for the moment. and thank you again for the offer, you're a star, and my DS was quite pleased about yesterday's result as well............