The straw that broke the donkeys back.

pyrorus

Thats it I've had enough. I quit.

I'd just got everything nicely sorted out with Payplan and got all of my debts being managed by them. Id arranged a buget tight but livable.

Then a couple of weeks after i get told were in arrears with the council tax (see other thread I started) so now Im contacting payplan on that and trying to hold them off.

Now the clutch on my car has gone. This needs a 450 quid repair. but as Ive only just started on the Payplan I havn't built up anything to put towards it in the line repairs element of my SOA.

Ive also been informed im to be docked half a days pay to make up for the morning i missed getting to work. (My back up plan instead of the train backfired so was late in with the cancelled trains etc etc)

Im now having to fork out 15 quid on the train with is serously damaging my budget (OK im not paying petrol but its still more) thus reducing the amount of free money I have thus making the repairs even less likely.

Add to that MBNA offered me a early repyment option on the CC i had. i paid 3 small payments and one large payment and they cancelled the rest. I honoured it and was told they had closed the account. (I borrowed the money of my mother to repay once back onmy feet)

I now got a rather nasty letter off them stating that as it has been so long since i made a payment the were considering a CCJ unless I pay the full amount within 7 days. I written and explain but I cannot locate my paper trail as proof. ie letters to and from them.

Im seriously at the end of it and feel completely pinned into the corner. Every time I try and get myself out of debt there seems to be a group waiting in the wings to kick me deeper and deeper into the proverbial slime.

Sorry to whinge and whine but i needed to vent it out before I risk saying anything wrong to my GF (In the lines of being stressed and upsetting her she knows fully about the debts) and hurt my relationship.

Sorry again for the whinging especially since everyone on heres so nice and helpful.

Rus

KatrinaC_2

Please - whinge and whine all you like!

Everyone on here has had a bad day or two and yours sounds especially bad.

Things will get better, I promise - remember that you are taking steps to put things right and that evenyually they will be right. Until then, have a hug :grouphug:

Kat

lou_lou_skinty_poos

big hugs russ i dont know how much your paying to your dmp but u can hold off for a month if you contact the people ure in the dmp with and explian whats happened they mite give you a months grace to help pay for the repairs and you mite need to do a whole new i and e with regards to paying ure council tax because other than the mortagage thats the most important bill you need to pay good luck

Kazonline

I'm not really in a position to give advice myself as I'm not sure how these things work. Have you tried speaking to Payplan re the car to see what they suggest to fund it? I'm thinking about going onto a DMP myself, and it's just this kind of thing that worries me. It's no wonder you feel so bad - so don't add to it by feeling guilty about feeling this way. I'm sure your GF will understand - don't bottle it up, I'm sure she'll want to support you.
Kaz x

klare_2

if i could find the thread you would see that we had one of these horrible times only a few weeks ago and its god damn awful, odd thing is they do have habit of straightening themselves out.
For the time being, feel free to rant and rave, its much healthier than firing at someone like your GF or the laternative, bottling it all up and having aheart attack / stroke!

pyrorus

Kazonline wrote:

I'm not really in a position to give advice myself as I'm not sure how these things work. Have you tried speaking to Payplan re the car to see what they suggest to fund it? I'm thinking about going onto a DMP myself, and it's just this kind of thing that worries me. It's no wonder you feel so bad - so don't add to it by feeling guilty about feeling this way. I'm sure your GF will understand - don't bottle it up, I'm sure she'll want to support you.
Kaz x

I was on a DMp before I arranged this one Long story behind it.

With regards to repairs and things like that you work out your average cost of repairs per year and sliit that to each month. The idea being you then squirrel that amount away each month and when your car needs the repair you use this fund you have built up.

My problem is I only sorted the new DMP over the last couple of months and made the fisrt payment this month. Just bad luch it happened before I could get the slush fund built up.

mrbadexample

£450 seems a lot for a clutch? What make of car is it, and where did you get the quote from? A visit to the motoring board might be worthwhile.

pyrorus

mrbadexample wrote:

£450 seems a lot for a clutch? What make of car is it, and where did you get the quote from? A visit to the motoring board might be worthwhile.

Ive got a Renault Espace. Its my local Garage who is usaally good with me cost wise in when ive phoned around garages before hes always been cheaper.

The £450 has now been confirmed as £380 but that is including labour, materials (the clutch), VAT and being towed from my house to the garage.

Rus

Kazonline

I believe that the towing can be quite a hefty part of the bill (at least all the quotes I've ever had have been steep) I may be being a little ignorant here, but would it be possible to have a friend tow you? I appreciate that your is quite a large vehicle, but I have a volvo estate (hefty weight) and a friend with a van towed mine home once.