at my wits end and hit rock bottom!!

binnie

pm me and I will give you my email address xx

scared_and_alone

pm sent hun xxx

paulmapp8306

Only just looking at this site - but wanted to chip in.

CCCS are great, and you really have nothing to worry about. Ive been with them for 11 years - yes 11.

To put things in perspective, i overspent when depressed. I was single in the forces and basically could spend everything I earned as rent/food etc was taken directly from my wages.

Well - i did just that - I had loans everywhere. I met my now wife, who also had a few debts and was living with her parents. Well we got married and found we had more going out than coming in. We added up our debts and it came to over £44,000. My wife was not earning, I was talking home just over £1400 after tax and our loans alone were £1300 - nothing for food, bills etc. it was a horrible place to be.

CCCS sorted it. our payments reduced to £450 initially then steadily reduced as we had a family. Were now, 11 years later only paying £100 per month and the debt is down to £18,000. When I finish in the Army it will by nearer £15,000 which we can clear with my pension lump sum.

I will have been in debt for around 24 years, struggling for 15 and in debt management for 13 BUT Ill finally be free.

Seriously, once CCCS have you the problems become so small - and ultimately you feel great.

When you get those dreaded calls (and horrible letters) just refer them to CCCS - give them the phone number and put the phone down. Be blunt - just say "CCCS are now dealing with this, you can contact them on xxxxxx, and this is my client reference xxxx" thats it - phone down. Any letters, just dont even read them. Forward them to CCCS, then EMail them and let them know who it was from and that its on its way to them.

Heres hoping you have a good outcome and again, if you need to chat with someone whos had a LONG road with BIG debts - and with a family, Ill be happy to.

scared_and_alone

thanx you Paul

i think the one great thing im learning from this site is that im really not alone in all this. so many people are in the same boat and a lot have much higher debts than me so i can get this sorted

its very reassuring hearing from you all...you dont know how much everyones words help

xx

Savvy_sewing

Didnt want you to think I was not about. Reading but nothing more to add. your getting the best advice.
Keep your chin up, and face each letter as it arrives, and you will soon find it easy to do.
Hugs
Mooloo

Shower-of-roses

Just wanted to say Scared you are an inspiration.

Take good care of yourself and keep us posted on your progress.

:A

scared_and_alone

well as usual ive been awol again for a few days but thought id just update you all to what has happened so far...

last Friday i sent my paperwork to CCCs so thought id phone them this morning to make sure theyd received it....not only has it all arrived safely but my DMP is set up and i make my first payment on 1st Nov!! I feel i should be calming down now seeing as these wonderful people have sorted it all so quickly but every time the phone rings i jump thinking its going to be one of my creditors but at least im not alone any more i suppose

sorry for the waffle im still in the black hole somewhere but hopefully not long now and i will be able to see daylight xx

pebble65

well done, give yourself a huge hug from me. You may still have a few hurdles to jump now and then but you have taken such big steps already. It wil settle down soon and then you can concentrate on getting better and enjoying life with your son.

scared_and_alone

i do feel like ive started on a journey now pebbles and im so grateful at how kind everyone has been on here and how quick the CCCS have got things started, its amazing to think that only 3 weeks ago i was at the lowest id ever been and today my first DMP payment goes out in 10 days

everyone here has been so kind, i deffo couldnt have done it without your encouragement either xx

crazyguy

scared_and_alone wrote: »

i do feel like ive started on a journey now pebbles and im so grateful at how kind everyone has been on here and how quick the CCCS have got things started, its amazing to think that only 3 weeks ago i was at the lowest id ever been and today my first DMP payment goes out in 10 days

everyone here has been so kind, i deffo couldnt have done it without your encouragement either xx

Well done and keep up the good work,