First year over

winner12

Hi all
Just wanted to say its been a year since my LBM and dealing with my Debt mountain,
The telephone does not ring any more and I barely see the postman
All my creditors except 1 have accepted my DMP but they have stopped interest and charges so Im just trying to sort out who to Pay
2 DCA are chasing it so still sending out some letters but saving a few more trees now.
To all who are struggling hang on in there this site is fab for advice and getting things out in the open aswell as inspiration and the fact that you are not alone
So a big thank you to MSE and all the lovely people out there for keeping me going even when I was stressing out posting sometimes repeatable threads,helping me to stay focused and above all there is life aswell as debts and realising that money is not the be all and end all I once thought it was.
THANK YOU

Exerbusi2

Well done!

I know I had turned a corner when I started getting 'Mr ******'! Great news! We have pre-approved a £15k loan for you to collect! Please call 01234 5678910 to collect your money now!

I didn't get those when I was in more debt.

My friends Dad used this analogy for banks...

'They are a friend who gives you an umbrella in the sunshine, but takes it away in the rain'.

Seems about right!

happyhaddock_2

Yes well done!, I am due to complete my first year on the 1/4 and have to say it's the best thing I've ever done. Masive thanks to this site and you lovely people, and CCCS, no more credit (debt) for me ever x

winner12

Thanks for your replies
Yes I think I should also have put Lessons well and truly learnt and no more debt for me either!

dudley3012

I reiterate totally. I wish I had had my lbm years ealier, but sometimes you have to reach rock bottom before you can climb back up.
good luck everyone

dollybeads

Well done you and what an achievement, keep going everyone, every small step is one step nearer to debt freedom

Have a great weekend all Dolly x