A start of things to come

prouddaddy1

October 5th 9:30 i have an appointment with CAP (Christians against Poverty ) they cannot see me any sooner due to the high number of people that are in debt in my surrounding area. Its great to find a site like this i dont feel alone anymore, Debt has caused me stress which has lead to me been on medication for the time. So i am counting down the days to appointment time and looking forward to sharing more heres to a bright future :beer:

dazzler123

Good luck I'm sure there will be plenty of advice on the forums to reassure you in the meantime

Cheeselady

We have had 2 visits from CAP now and they have been so helpful, I really hope the appointment comes round quickly for you, let us know how you get on.

isy1011

Can we start helping you on here practically?

Post up your SOA and see what folks say on here as there are alot of people here with a great deal of skills that may be able to help aswell.

saltnvinegar

Hi Prouddaddy

Congratulations on starting your journey to a debt free life.

:T

I hope the CAP are going to help you turn things around. In the meantime it may also be worth while giving one of the debt charities a call (CCCS for example) as they will be able to help too.

Rather than write a great big essay have a look at my LBM (see link in my signature) as I have been through the same sort of things too so it may help you with coming to terms with what you will need to do as well.

Just a thought but I would suggest you make your location a little more vague in your profile.

It doesn't really identify you as such but unfortunately debt collection agencies do trawl these boards occasionally and if you do need to post for some help on a specific agency it may be enough to help them suspect who you are.

Once you start facing things and starting to deal with things in practical ways you will notice the relief will be almost tangible.

Again well done on making that first step

SnV

Cheeselady

saltnvinegar wrote: »

Hi Prouddaddy

Congratulations on starting your journey to a debt free life.

:T

I hope the CAP are going to help you turn things around. In the meantime it may also be worth while giving one of the debt charities a call (CCCS for example) as they will be able to help too.

Just wanted to say that CAP are actually a debt charity, they do exactly the same thing as CCCS but come to your home and talk to you in person rather than over the 'phone. Just wanted to mention that, in case others are not sure what it is that CAP actually do. They have been amazing, taken all our paperwork away and came back two weeks later with a DMP Version 1 for us to go through with them, the service is fantastic, would definitely recommend them.

saltnvinegar

Good to know there is another one out there, thanks for the amendment!

The reason for my suggestion was only from being in the OP's position and knowing that 2-3 weeks can be a long time when you have nasty DCA's phoning you constantly and getting letters in the post every day.

Talking to someone who can give you some sound non-judgemental advice and are not looking to take money off you themselves is such a rare thing nowadays!

SnV

Cheeselady wrote: »

Just wanted to say that CAP are actually a debt charity, they do exactly the same thing as CCCS but come to your home and talk to you in person rather than over the 'phone. Just wanted to mention that, in case others are not sure what it is that CAP actually do. They have been amazing, taken all our paperwork away and came back two weeks later with a DMP Version 1 for us to go through with them, the service is fantastic, would definitely recommend them.

Cheeselady

saltnvinegar wrote: »

Good to know there is another one out there, thanks for the amendment!

The reason for my suggestion was only from being in the OP's position and knowing that 2-3 weeks can be a long time when you have nasty DCA's phoning you constantly and getting letters in the post every day.

Talking to someone who can give you some sound non-judgemental advice and are not looking to take money off you themselves is such a rare thing nowadays!

SnV

I totally agree, it's so great that these charities exist to help.

prouddaddy1

The first proper day for me been a Debt free wannabe i am totally excited about the challenge ahead i am still slightly unsure how much that i am in debt but certain i am going to sort out a figure soon and post my statement of affairs. Over the next couple of days i would like to put the following into place

Register with Amazon, Ebay
Cancel sky
Start collecting tesco club card points ( There are loads i can collect through the line of work i do )
Start collecting nectar points
Register with online surveys
Start a Spending diary
Stop using my car for short journeys
Ask for any available overtime at work

dancingfairy

Sounds like a fab plan - hope the first day of Moneyaving's gone well for you.
df

saltnvinegar

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