Big Debts

j

Andy
I was obviously in a state as my spelling was apalling. Sorry. I have now read your page and wonder what is a DMP?
j

Freddie_Snowbits

Ignore freddie, this board doesnt really need people like him!!!

We are all here to help!! ;D

Just ask if you need to know anything else, but keep at it - your debt will go away. Try and get it paid off as soon as you can though, its better to struggle for a few years than to hanging over your head forever!!!

xx

So I should be ignored.

Ok, so I start work at 8 am every working day, at 10 am, I stop paying tax for the day.

At 11 am I stop paying my pension

At 1 pm I stop paying my mortgage

At 1 pm I start earning pennies for myself.

At 4:30 pm I go home

What time do you start earning pennies for yourself and not a slave to some Credit Company.

Oh, and yes I was unemployed.

Oh, and I am disabled

Want to know more, see my previous post, "Loss at my Debt"

libra10

I think you are very brave Andy, by getting to grips with the debts, and i would like to offer my very best wishes for the future.

Fran

Andy
I am new to this but was drawn to you by your name as I have just been presneted with news from my nephew who is also an Adny that he has huge debts. I am at my wits end as he wass uicidal as was telling me - by phone as I live in Spain - so i am on the net trying to find a solutin. I ma flying home next week and havearranged a meeting with his bank in the firts instance. Are you doing Ok? I am going to read you letters and replies now so hope you are OK and that my Andy will be too.
J.

j,

Your Andy should seek help from one of these (I am giving you the website addresses so you can have a look).:

Citizens Advice
Nationaldebtline
Consumer Credit Counselling Service (cccs)

They are all free and once he has spoken to someone he will feel better. Is there someone at home for him to talk to (as you say he was suicidal)? Perhaps you could suggest the Samaritans if he has no-one to talk to. Their website is:
Samaritans

If he has access to a computer (library or somewhere if he doesn't own one), he could ask questions on this site. Good Luck.

Freddie_Snowbits

Sorry, Andycash, I may have been brutish with the reality of my first response, but at least it encouraged you to be truthful about the fact you were suckered up by those responsible lenders out in the wild. One supposes that they were only after filling their coffers, not the interest of the 'consumer'

As for ms_london, was it my post on 13th August that caused you to sign up to this site?

Have you got something to get off your chest?

At least Andy cash, through this site has the strength to come clean, possibly through a lot of trauma on his mind, others here have managed to help in, me, well I was a bit brutal in a way, but at least I was to the point.

Now, should ms_london want to say anything, she can of course start her own thread, I just ask of her one question, read my first reply to you. What time do you start earning money for yourself during the day? Perhaps the reality of that simple task, she may be able to see if she is in need of the help this site can provide.

Now, if you want, you take a look at my previous post ms_london and comment as necessary. Oh, I am sorry, you already had. For those of you who are viewing this for the first time, the post is at http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Debt;action=display;num=1092250329

As for me, I will sit in comfort tomorrow at 1 pm to know I am working for me, and not some slave of a credit company.

AndyCash

Thanks to you all for your support.

And to j, a DMP is a debt management programme where the CCCS will write to all your creditors with details of your income and budget and explain that you only have x amount of money to pay to creditors and offer that to each of them on a pro-rata basis. You then pay x amount to CCCS who distribute it to your creditors. Basically it has taken a bit of the weight of my mind as I too have felt almost suicidal in the past but it helps to know that there is someone there who is going to be on your side for a change, even if in your own mind you have done things badly in your life and cant understand how to undo them, or even contemplate that there might be someone there who is willing to try to help you out. Serious debt makes you feel so bad inside it is unreal, and unless you have experienced it you cannot imagine. I have been on the edge several times thinking "well surely thats the end of my life now, theres no way out" but in the past I have always somehow managed to obtain more credit to get me through for a few more months. But now I can see that I need to stop living in this way, and trying to live up to what you have created, and reading the other posts on this board has given me hope. So I hope your relative can get to look at this site, cause then he will realise that amazingly there are people who have come out of worse debt and survived, and that is a brilliant thing.

Andy

Freddie_Snowbits

Thanks to you all for your support.

And to j, a DMP is a debt management programme where the CCCS will write to all your creditors with details of your income and budget and explain that you only have x amount of money to pay to creditors and offer that to each of them on a pro-rata basis.  You then pay x amount to CCCS who distribute it to your creditors.  Basically it has taken a bit of the weight of my mind as I too have felt almost suicidal in the past but it helps to know that there is someone there who is going to be on your side for a change, even if in your own mind you have done things badly in your life and cant understand how to undo them, or even contemplate that there might be someone there who is willing to try to help you out.  Serious debt makes you feel so bad inside it is unreal, and unless you have experienced it you cannot imagine.  I have been on the edge several times thinking "well surely thats the end of my life now, theres no way out"  but in the past I have always somehow managed to obtain more credit to get me through for a few more months.  But now I can see that I need to stop living in this way, and trying to live up to what you have created, and reading the other posts on this board has given me hope.  So I hope your relative can get to look at this site, cause then he will realise that amazingly there are people who have come out of worse debt and survived, and that is a brilliant thing.  

Andy

Well done andycash, you can at least wake up tomorrow and walk, walk tall knowing that you'll get through it.

I hope that this thread, through what andycash has done does more to encourgae others to come out.

ms_london

At least Andy cash, through this site has the strength to come clean, possibly through a lot of trauma on his mind, others here have managed to help in, me, well I was a bit brutal in a way, but at least I was to the point

??? ??? ??? ??? ??? ??? ???

http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Debt;action=display;num=1090938851

Ok, so obviously through this site I havent had the strength to come clean either, or had trauma on MY mind!!!

My debts will be paid of by December 2005, I will be 25, by December 2006 I will have saved £10K - enough for travelling around the world for a year - so you keep paying your pension and your mortgage, ill be thinking of you when im on some beach somewhere, NOT!!!

AndyCash - you have done the right thing by admitting to your debts & coming on here for help. If I can be of any help id be happy to!!

Unemployed and disabled?? Boo Hoo for you - at least you're still alive, you just sound like a bitter and twisted old man!!!

Travelqueen

Please remember:

"AND... please be nice to other MoneySavers"

We're all generally a helpful and friendly lot, so please play nicely.

Thank you.

TQ

Freddie_Snowbits

??? ??? ??? ??? ??? ??? ???

http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Debt;action=display;num=1090938851

I will have saved £10K - enough for travelling around the world for a year - so you keep paying your pension and your mortgage, ill be thinking of you when im on some beach somewhere, NOT!!!

I went to New Zealand a in the 1980's I recommend it to you! I hope you'll enjoy your round the world trip and remember the help you have given all MSEs whilst on the beach!