New debt free wannabe!

road_to_recovery

can anyone answer the above please?

NorthernLas

The national debtline have a number of letters that you can send to creditors

http://www.nationaldebtline.co.uk/england_wales/temp/5004_53311.pdf - offers a token payment and asks to hold interest

But I found this one on an old thread which says it all I think (see post #3) https://forums.moneysavingexpert.com/discussion/1485073

I would have thought a postal order would be suitable

verystupidwithmoney

Congratulations :j

Just remember - there is a still a long road ahead in setting up your plan. The various companies you owe to won't make it easy. However, stick to your guns and everything will settle down in time!

After a job loss and the usual story I entered into a DMP with the CCCS. They have been great so far! I'm only waiting for one more creditor to accept my plan and stop interest - all the others have .

Stick around on these forums - lots of smart people with amazing advice and support. Everyday I browse these forums and learn tips and tricks constantly. I have picked up lots of recipes and my food bill is now about 60-70 pound per month. I do lots of cooking now! :cool: it's also pretty fun and it saves an absolute fortune, really!

Anyway, congratulations again, you're on the right road! Stay strong :T

Steve1981

good luck, the hardest step of a long journey is the first one

road_to_recovery

Thank you for your kind words! I'm still crapping myself thinking that it will all go wrong somewhere! I really appreciate the encouraging comments. I WILL keep you all posted on how things are going, and probably need LOTS more advice and support!