Frightened about my future

never-in-doubt

pure_dead_dopey wrote: »

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............

Morning PDD

Get the OH sorted :eek: I can understand your POV but if you find it is paying into a bottomless pit and seems neverending then come chat to me...... bottom line is you will get a default, nothing more nothing less.

However you will not be expected to make any monthly payments, after 6 years you'd be free to start again (if you wanted to) - which can seem better than paying a bottomless pit for like 20 years, if you see what I mean....

Ahh so your son supports the mighty gers as well eh? Good lad :beer:

pure_dead_dopey

thanks for taking the time Niddy, working on OH as I type..................

mouseann

Hi NID,

Sorry if this sounded like a moan and groan!

As you so rightly say, it is worth a couple of hours' of anyone's time to get this sorted. (Much more, to be honest!)

never-in-doubt wrote: »

Ann look at the bright side though, scanning for a couple of hours has just saved you what, over thirty grand (£30k)! Not a bad hourly rate if I say so myself.....:rotfl: :rotfl:

Incidentally, Chris Evans has just played "Simply the Best" and I think he said something about Rangers at the same time! Didn't quite catch what he actually said - is this Rangers' theme song?

Back to writing those letters now ....

savingwannabe

Keep at it Ann. It is horrid work but it will be worth it in the end. I am soooo pleased for you. This has made my day. I am going to work feeling v happy.

:j

mouseann

Thanks SW,

Have a good day yourself.

Looking forward to hearing all about it later.

never-in-doubt

mouseann wrote: »

Hi NID,

Sorry if this sounded like a moan and groan!

As you so rightly say, it is worth a couple of hours' of anyone's time to get this sorted. (Much more, to be honest!)

Incidentally, Chris Evans has just played "Simply the Best" and I think he said something about Rangers at the same time! Didn't quite catch what he actually said - is this Rangers' theme song?

Back to writing those letters now ....

Nah I never took it as a moan, I was just being typically sarcastic (or whatever the "correct" word is) :rotfl:

Yea, Simply the Best is the Rangers unofficial anthem, cos we're simply the best - better than all the rest - better than anyone.......

mouseann

Glad to hear that you are still happy!

Despite all the queries waiting for you when you returned!

Long may you continue!

3Dogs

So Ann it has been a good news morning for you with Niddy's news on those debts - he'll soon get the others sorted too and you will be left with none or a manageable amount at least - and you are now so knowledgeable about Scottish football - it gives you an added interest as is shown by your TV News comment and that about Chris Evans' show - it all gives more cheer to your life doesn't it

:T :T :T :j :j :j :T :T :T

P.S. glad you listen to Chris Evans and didn't switch off when he took over from Wogan - I never liked Evans in the old days when he was a total waste (which he now admits) but since his return to radio, I have found him funny, his way of incuding children in his show good, and enjoyed his shows immensely - he is bright and cheerful - just what we all need these days I think !!!!

chipsmum

Hi Nid

I will keep my serious postings regarding CCA on your main thread but will stilll be hanging around on this one as I love it !
I am going to send off some CCA letters and have applied for a new bank account with Citibank but realistiacally I might still have to go down the DAS route as two -thirds of my debt is post April 2007 (switching rates, consolidation loans.......)

Anyway I have two really important questions for you ;

If I confessed to an allegiance to a team in green and white hoops, would you still help me ?

If I do get some of my debts made unenforceable, would they spring back to life if I do have to enter a DAS ?

Keep up the great work, I honestly don't begrudge you the odd Premier league title

never-in-doubt

chipsmum wrote: »

Hi Nid

I will keep my serious postings regarding CCA on your main thread but will stilll be hanging around on this one as I love it !

Yea, great idea - stay here cos this is where the banter seems to end up :rotfl:

chipsmum wrote: »

I am going to send off some CCA letters and have applied for a new bank account with Citibank but realistiacally I might still have to go down the DAS route as two -thirds of my debt is post April 2007 (switching rates, consolidation loans.......)

Arghhhh - 2 x 1/3rds is post 04/2007? Nightmare.... Chances are they will be enforceable, it could end up being a wasted excercise for that sole reason....

chipsmum wrote: »

Anyway I have two really important questions for you ;

oooer

chipsmum wrote: »

If I confessed to an allegiance to a team in green and white hoops, would you still help me ?

Ahh so you support Yeovil Town then?

chipsmum wrote: »

If I do get some of my debts made unenforceable, would they spring back to life if I do have to enter a DAS ?

If they are unenforceable then unless the lender provides the original within 6 years it will never be mentioned again..... if they do find an original then you can add it to any exiting DMP or change firms and set up a new one, obviously its best to attempt unenforceability prior to entering into any DMP agreements....

chipsmum wrote: »

Keep up the great work, I honestly don't begrudge you the odd Premier league title

You mean 53 of them? More than any other club in the world...? :rotfl: