My Challenge!!
KJEvans
Forumite 9 Posts
Right let me tell you a little bit about myself. I am 23 and I am an administrator and PA to an Area manager and earn hardly anything (less than £1000) a month!! I went to University and unlike alot of my friends by mother didnt give me a penny and hard to work pretty hard for everything I had or wanted. I took out a credit card and went to my limit just on basic things like food as my rent for my university was so high. I then took a loan to pay off the credit card e.t.c.
Its now got well out of hand I am on the verge of breaking down!! However I was thinking to myself, Am I really that bad off, I have a job, I have a home and food, So stop moaning and do something about all this!!
So Step one, I need to pay £2 or however much it is (tried the free one's online and it doesnt seem to work) get my credit report to see exactly who I owe money to (I havent been paying my debts for a while, I been burying my head in the sand) and writing to them all, explaining my situation and see how much they will accept off me
I know I have been very stupid but I am not a bad person and have realised the error of my ways, and am and WILL put them right!!
Any suggestions or advice is geatly appreciated
Wish me luck
Its now got well out of hand I am on the verge of breaking down!! However I was thinking to myself, Am I really that bad off, I have a job, I have a home and food, So stop moaning and do something about all this!!
So Step one, I need to pay £2 or however much it is (tried the free one's online and it doesnt seem to work) get my credit report to see exactly who I owe money to (I havent been paying my debts for a while, I been burying my head in the sand) and writing to them all, explaining my situation and see how much they will accept off me
I know I have been very stupid but I am not a bad person and have realised the error of my ways, and am and WILL put them right!!
Any suggestions or advice is geatly appreciated
Wish me luck
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Replies
If you're a member of TopCashBack or Quidco then take out one of the free trials for the credit reference people , you'll get cashback on it and just need to remember to cancel it before the trial finishes to avoid geting charged. Bear in mind also that it is possible to make a fairly simple £9 a month for free from each of those cashback sites the moment.
Get your SOA (Statement of affairs) posted up on here or the main DFW board too - there are some whizzes on here who will have it pulled apart and will find you money you didn't know you had!