Stop being a Wimp!... DMP Journey

jackies41

Hi Ellie

Didnt realise you have gone already good that you are keeping in your budget.

Only letter I have had recentley is from Barclaloany with a default notice oh and a couple of letter from Aqua.

File those letter away and get on with your life thats my motto!!!!


Jackiexxx

Ellieseleven

That's a great motto!! I'm doing exactly the same, just filing the letters away. I'm sure that if it hadn't been for this forum pointing out the scare tactics of the creditors and what the contents of the letters actually mean I would be clinging to the ceiling by now or selling off the kids to pay my debts!!

jackies41

Hi Ellie

yes I have a really good friend who is doing the same thing a bit further down the line than us though. She rings me up and the letter she gets are nothing compared to what we have had, but she knows her stuff and reasuures me that a llot of it is illegal what the creditors do and they just use scare tactics.

So when I have spoken to her I feel a lot better and also going on here has kept me going, like you if I had receved default notices a few months a go I would not have not slept for a week. Its good to know what your rights are though Im sure there a lot of vunerable people out there. I dont feel vunerable anymore thank goodness just determined.

Jackie

Ellieseleven

I've got over the shock of redundancy now and am keeping optimistic about getting another job at the moment, that may change the longer that I'm out of work!

First payment has gone to CCCS and phones are no longer constantly ringing.

Managing perfectly well without any credit cards and feel so much more in control of my money.

OH is very annoying and not sure how long it will be before we have a huge row. It's day 2 of being out of work and I already feel like strangling him!

Panic rating 1/10
Bladder behind eyes 0/10
Feeling of failure 3/10
Support from OH 1/10
Determination 10/10
Job applications 2

Ellieseleven

All is quiet on both the phone and post front, hopefully it will remain this way. Checked my online account on CCCS, its very scary when you see how much you owe in Black & White but looking foeward to seeing this figure coming down.

There doesn't seem to be many jobs out there but I'm not worrying too much at the moment.

OH is out of the way and has some work so thats a relief

It doesn't feel right being out of work and I feel as though I should be doing something.

Panic rating 0/10
Bladder behind eyes 0/10
Feeling of failure 0/10
Support from OH 3/10
Determination 9/10
Job applications 1

Ellieseleven

Nothing much to report, all is quiet at the moment.

Catching up with friends and family that I haven't seen for a while now that I'm out of work.

Really do need to find a job quickly but there doesn't seem to be much out there at the moment but still its early days. If I'm still unemployed by November then the panic will really start to get a hold I'm sure.

Panic rating 0/10
Bladder behind eyes 0/10
Feeling of failure 2/10
Support from OH 3/10
Determination 9/10
Job applications 0

jackies41

Hi Ellie

Good that you are having time for yourself to catch up with friends and family. Just flicked through local paper there is nothing in there.

Jackiexxx

Ellieseleven

Received a few letters, mostly computer generated saying that we have now missed two months payments but one from Barclaycard accepting reduced payment Yaay!

Not much doing on job front but I'm not stressing out yet and there is one possible so fingers crossed for that.

OH has had some work this week which has been a plus.

All in all everything is just plodding along at the moment so long may it continue

Panic rating 0/10
Bladder behind eyes 0/10
Feeling of failure 1/10
Support from OH 3/10
Determination 9/10
Job applications 0

Ellieseleven

Phone has started ringing again in the last couple of days, we will be glad when the first payment is taken by preditors.

We are getting a lot of letters in stating the obvious i.e. we are in arrears - how much money do these companies spend just sending out these alone?

On the plus side I have an interview today, this would be brill if I got a job so soon after losing the last one as it would allow me to pay off some towards our debts.... fingers crossed:)

Went to buy a suit but decided to wear what I've already got so this money saving mularky must be working;)

Not much else happening at the moment

Panic rating 1/10
Bladder behind eyes 0/10
Feeling of failure 0/10
Support from OH 3/10
Determination 9/10
Job applications 0
Christmas presents bought 1

jackies41

Hi ellie

You think you are ok then they start ringing again hope you get the job!!!!

Jackiexxx