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Wooo Hoooo.. payplan!
kittykat100
Posts: 534 Forumite
Just thought I would let you know that I have been in to contact with payplan and sent all the bumpf off to them. The lady I spoke to is fantastic and she is sure she can help me.
Will let you all know when I am sorted and get a debt free date... I can't wait to have the creditors off my back!
Kitty...about to be happier Kat
Ps worked out I owe (not including car) £35K oh my god!!!
Will let you all know when I am sorted and get a debt free date... I can't wait to have the creditors off my back!
Kitty...about to be happier Kat
Ps worked out I owe (not including car) £35K oh my god!!!
Life is sometimes a bit pants but occasionally you can wear your french knickers!
0
Comments
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You have got over a big hurdle and faced counting up the full debt. Well done you :j0
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Hi KittyKat,
I've done the same today. I contacted cccs and feel 100% better. In fact, I cooked b/f a lovely meal and bought a bottle of chardonnay with some of my bday money. :T
I've been struggling and this was my only option. Hopefully one day we'll say :beer: to each other when we're debt free :T :T :T
xxDebt 28/12/06 £26,467
£20 grocery challenge per week
Savings £400
£2 coins - £8.00
DMP £357 pcm (CCCs) commenced 1/10/06
DFD :think: proud to be dealing with my debts0 -
Good evening, I was thinking of contacting payplan myself to discuss my debts. Were they really helpful, do you know if it affects your credit rating?
Thank you0 -
spacegirl81 wrote:do you know if it affects your credit rating?
I'm pretty sure that paying back your debts on time helps your credit rating.
My credit rating must be through the roof - I applied for a 0% balance transfer credit card and they gave me a starting limit of £3000. Flattered, I'm sure.
I think I've only missed one payment in the past 6 years, and that was an accident and I got them to refund the £30 charge. :mad:Student Loan Company Ltd: 17,805 (2.8%) Overdraft: 500 (Interest free)
Savings: £5,100 - Target by end of 2008 £5,000+
Net Worth 1/7/06: -£32,698 -- Net Worth 25/8/08: -£13,350.0 -
Hi spacegirl,
They were more than helpful, I felt really nervous and ashamed when I called them but felt 100% once I came off the phone, knowing that I was finally facing up to my problems and having someone to help me.
Kittyx
Life is sometimes a bit pants but occasionally you can wear your french knickers!0 -
when you start your iIVA no one will lend you anything and you agree to not getting any more credit for the term of the IVA
i was told that twelve months after your IVA has finished you credit rating is restored
but i still receive loads of bumf from credit companies every month....
think its got something to do with my name being listed as going through an IVA
ONLY 2 MORE YEARS TO GO0
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