at my wits end and hit rock bottom!!

binnie

Thats great news Scared. I've also rung them and have to ring them back next week to see if we want to take it further. I've lots of questions to ask.
Hope we can all have a less stressful life.
I've just cancelled the direct debits on 3 loans, one is due out next weekend, so I'm being prepared for being bombarded with calls from overseas.

scared_and_alone

wow what a difference a month can make!!

hi everyone, im writing this feeling much more relaxed and in control of things than i have been in a long time.

i made my first payment to CCCS on 1st Nov and theyre paying my creditors next week. I was so scared of being phoned all the time and threatened etc but I have to say things have been really quiet. ive had a couple of calls but when i explain about the DMP theyve been fine. im not as scared as i was tho and the meds have kicked in so if anyone does get funny with me i think i can handle it now.

thank you all so much for being there for me when i truly was at my lowest, i took on board every word and i am now so aware of every penny i spend that im actually looking forward to budgeting and knowing that what i get in the future i have saved for.

to anyone who is at the point i was at only a few weeks ago and not eating, sleeping and permanently on edge, please please make that call and get help with your debts. i know it feels like a very lonely place but honestly it isnt and the relief facing up to things brings is immense.

here's to the next chapter of my journey......xx

RAS

Well done and take care.

thechippy

Good luck to you, well done........:beer:

sydneybean

really pleased you are managing to get sorted, and that the meds are starting to work, you will get there, its just baby steps. and we all have bad days - you just have to keep telling yourself that this too will pass. because it will - promise!:D x

dark^knight

Hi scared,

Just read this thread from start. Good to hear you are feeling better. Stay positive and keep going.

There is a famous quote from Sir Winston Churchill which comes to mind: "If you're going through hell, keep going."

Debt-Free-Wannabee

Im sat here in floods of tears,oh scared youve done brilliantly!!
When I read your first post I felt it was me writing it because Ive been in that situation,I actually jumped off your thread because it brought home way too many bad memories.
So this morning I looked on here and read your posts and everyones replies and Im so very happy for you.You have done amazing and you must feel so good right now.
This site must be the best website on the internet for helping people out,Im just so glad you posted here scared because without doubt you have helped other forum members and lurkers,they will now realise that being in debt isnt the end of the world.
Youve done so good scared,be proud of yourself because we are all so proud of you.Merry Christmas sweetheartx

binnie

Hi Scared,
Sorry not replied for a while. Just logged on to see how well you are doing.
I am so pleased for you and happy that everything seems more positive for you.
Since we last spoke, I've got a job with more hours starting soon, so hopefully good news for me for 2012 as 2011 as been awful hasn't it?
Will keep popping by to check for updates on your progress.
xx

LondonGirl252

Hi Scared,

Just read through your whole thread and wanted to say well done, you've handled it brilliantly and had some great advice from the lovely people here. Keep going and I hope you'll keep posting and update us on your journey

LG x

dancingfairy

Well done - the first bit is always going to be the hardest bit but it sounds like your creditors have been o.k so far.
Here's to a christmas of knowing your debts are under control and going down.
Best of Luck
df