it can be done

ballandchain_2

hello,

i am new here, but have been reading other peoples thread for the last few months....

i have been on a debt repayment program for the last 8 years through gregory pennington (i know you pay but it was my best option)....
i have now 4 more payments to make and will become debt free....

with some of the posts and qrys i would like to put my own knowledge thorugh

1, i have managed to get a mortage
2, i have managed to get a bank account (full)
3, i have or rather had 6 ccj's to my name

the point i am making there is hope, when i started my ex left me with massive debts (25k), but after a long haul its nearly finished...

i know in the beginning its a nightmare with letters and phone calls, its not the letters that i minded so much its the constant phone calls from dawn to dusk....

i think you need to be a different breed (sub human) to hassle your fellow man for money

remember being in debt is not a crime, it normally happens due to a lifestyle change...

i i have learnt one thing over the last 8 years, is look after yourself as well as your family.

an as for the people who look down at us debtors, you could be just a summons or job loss away for this....

misscutiepie1984

like me i was left in about 21k by my ex bf...... how did you go about getting a mortgage was that whilst in the DMP???

ballandchain_2

i moved to a different part of the UK, (england to northern ireland), got some good financial advice through an IFA,

it seems that some companies are crap about chasing (and oh yes took myself off voters roll)

misscutiepie1984

haha fair enough.... my DF date is april 2010 but im hoping to do overtime and perhaps pay this off by december 2008 then i wanna get a mortgage hopefully