Stop being a Wimp!... DMP Journey

Ellieseleven

jackies41 wrote: »

Hi

Next have accepted reduced payment Yeah!!!!!

Well done!! How many more to go?

I know the panicky feeling when waking up, it's as though it all hits you again each morning isn't it?

Do you have call screening on your phone? We've been checking this before answering

Speak soon
Ellie xx

Ellieseleven

Well, I've been to the post office and posted everything back to CCCS, sent 4 more token payments and bought 3 more postal orders. I had been going to different post offices buying stuff in dribs and drabs but today I thought "Oh what the hell - does anybody really care that I'm in financial hell and writing to a debt management agency? I'm sure that they don't so I'll save myself some time and petrol and get everything in one place"

Everything filed away and now waiting for the onslaught:eek:

jackies41

Hi Ellie yes I do have call screeing on my phone shant answer the phone to any number that say 0800 or 0845 have also written to creditors stating that I will only communicate with them by letter hope this dose the trick.

Good idea to get everything in on place I dont suppose any one cares, although I did feel a little embarrased when I paid the fee by transcash and the lady could see it was to the CCCs.

5 more creditors to go 1 refused 1 accepted but i still have the big ones to go

Good luck Jackiexxx

Ellieseleven

Now just playing a waiting game and I'm working away from today until Friday so will expect lots of post when I get back:)

Panic rating 5/10
Bladder behind eyes 7/10
Feeling of failure 6/10
Support from OH 1/10

jackies41

Hi Ellie

I see the support from OH is a bit low at the moment, mine too wont even talk to me about it, makes the whole situation feel worse when you dont have support.

Speak soon Jackiexxx

Ellieseleven

Managed to get internet access whilst working away, so here's a quick update: I know nothing!!!!

Spoke to OH on the phone last night who informed me that we have a mountain of post but he hasn't opened it, so I look forward to that on Friday night. Haven't got a clue what they are but will just wait until I get home as I am stressed enought with my job without all that as well.

Hi Jackie, yes my OH is the same and reckons we have talked about it enough so I now keep everything to myself and just plough on regardless. That's why I post on here, it gives me a release as I have no one to talk to about the situation that we are in.

Panic rating 4/10
Bladder behind eyes 4/10
Feeling of failure 5/10
Support from OH 1/10

jackies41

Hi Ellie

Yes I think im getting addicted to going on here like you I dont feel like ive got anybody to talk to about it.

Anway nothing much to report no phone calls not answering them anyway. Just trying to relaxe into summer holidays

Hope you are ok and having a good trip

Jackiexxxx

Ellieseleven

Oh well, I'm still away from home in total oblivion as to the state of affairs back home but will be travelling back later so butterflies are starting to circle in my tummy, but hey ho:)

Glad that things are quiet at the moment for you Jackie, so try and enjoy your weekend:)

It's been 3 weeks now since my first missed payment and I'm still here so starting to panic a little less about things:o Might all change when I start reading through the post but I do feel more able to cope at the minute.

Panic rating 2/10
Bladder behind eyes 3/10
Feeling of failure 2/10
Support from OH - what other half?:rotfl:

littleclover

Ellieseleven wrote: »

For the last 2 years I have known that we have a problem but I have continued to try and pay all the bills, mortgage and CC's often using CC's to pay other things and withdrawing cash to keep us going.

My OH is a gardener so his work is very seasonal, plus we were shafted by a family member. This means that his income goes up and down all the time and sometimes down but not up!

Anyway, the time has come when I have to say I have been defeated by the CC's and cannot continue to pay them the amounts that I have been doing.

I posted that I was scared to take the next step down the CCCS and DMP route but have found that the people on this forum are wonderful and have given me the encouragement and strength to go through with this, instead of chickening out and carrying on further into the mire.

SO....

I have done the CCCS debt remedy and feel more positive already.

Tomorrow I am going to ask for a Co-op cashminder account - this bit is hard as I feel loyalty to my current bank???? - got to stop this and I'm sure when I default on the loan that I have with them I will change my mind!:o

Then need to speak to the CCCS and complete all the forms

Then maybe I can stop crying, worrying, stressing out, feeling sick, having headaches, feeling depressed and maybe the ringing in my ears will stop too!

So I'm going to update this diary with my progress and then look back in a couple of months to see if I feel better and whether I am in a better place financially. At the moment both myself & OH are throwing money at our debts but not making any inroads whatsoever and I want my life back!!:(

hiya
reading your first post there reminds me of how I am feeling and not feeling human...I have admitted defeat today so I hope that we will both come through this better and stronger!!!
good luck!!

Ellieseleven

littleclover wrote: »

hiya
reading your first post there reminds me of how I am feeling and not feeling human...I have admitted defeat today so I hope that we will both come through this better and stronger!!!
good luck!!

Hiya Little Clover, yes it took me a long time to admit defeat before I took the plunge and I have good days and bad days at the moment (as you can see from my diary) but on the whole I am glad that I have taken this step.

I have found that this forum really helps me in a variety of ways e.g. there is a thread somewhere that veteran DMPer's write to outline their own journey and I find that this sort of thing keeps me motivated as I want to be where they are i.e. either debt-free or getting near to it:)

Do keep posting as the people on here will help you through and they can also make you laugh when you are really feeling down.:T

I've also found that writing this diary helps me offload things on my mind so that I'm not bottling everything up - as you can see my OH is not always a great deal of use. He just handles it differently than me I suppose so I tend not to keep on about it to him

Keep in touch and Good Luck!
Ellie xx