Stephie's 100 Strokes of the Brush before Bed

kerri_dfw

Stephie, tell them where to go, they shouldn't be harassing you tell them to remove you from their database and congrats on getting to 10%

rdchick

Lol I know, they call daily and I don't have the guts to pick it up! What a pain in the bum they are! xxx

rdchick

I'm back and in the worse place I have ever been. I have been using payday loans again, which started because I spent the savings we had for a holiday then I panicked and replenished with a payday loan... Which I've spent again...

I have been a complete idiot.

I think it might be time for a DMP. I can't believe how ridiculously stupid I have been...

jaffacakegal

((((big hugs)))) to you hope you get it sorted xx

debtfreewannabe321

oh hun, don't beat yourself up about it, we've all been there at least you've stopped in your tracks and have set about resolving it (((hugs))) xx

rdchick

Thanks my lovelies

Yeah it's time to bite the bullet. £1 token payments to creditors this month and hopefully get DMP on a roll for August!

Meant to be going on holiday at the end of the month - luckily it's just camping!

I'm feeling much more positive about it all now I've taken a step back and realised it'll be ok! Calling CCCS tonight! xxx

Emzilla

Don't be too down on yourself hun. After all, we've all done stupid things, or we wouldn't be here .

At least you've realised before it gets too out of hand.

Emz xx

debtfreewannabe321

rdchick wrote: »

Thanks my lovelies

Yeah it's time to bite the bullet. £1 token payments to creditors this month and hopefully get DMP on a roll for August!

Meant to be going on holiday at the end of the month - luckily it's just camping!

I'm feeling much more positive about it all now I've taken a step back and realised it'll be ok! Calling CCCS tonight! xxx

The cccs are lovely and it will take a lot of the strain from you as you don't have to liase with creditors much now lol.

Also it will trash your credit rating which looking at the positives here, you won't be able to get a payday loan if ever you feel the need for one in future (my friend is on a dmp- still not had LBM really and is always trying to get more loans- to which she is thankfully turned down for!)

xx

rdchick

debtfreewannabe321 wrote: »

The cccs are lovely and it will take a lot of the strain from you as you don't have to liase with creditors much now lol.

Also it will trash your credit rating which looking at the positives here, you won't be able to get a payday loan if ever you feel the need for one in future (my friend is on a dmp- still not had LBM really and is always trying to get more loans- to which she is thankfully turned down for!)

xx

Yeah exactly, I want it to to trash my credit rating so I have no choice but to save! I think the BF has defaults too (just out of stubbornness more than affordability) so we can work on getting a house after 6 years has passed! lol! xxx