The Ultimate Hard and Fast debt clearing mission

Birdie85

Aww that sucks Dinah I hope you said a very low figure!

Tete_en_l'Air

NIM should give the judge a link to your SOA on here! Keeping my fingers crossed, let us know the outcome

Birdie85

Any news? Feeling ever so gutted for you.

Dinah93

No news really, but if we don't pay in full within a month we get a CCJ. Doesn't seem fair. It sounds like it's unlikely to go our way, plus his costs and his litigants seem to be about £200 each and this is the second day in court so that's another £800 whacked on top plus interest. It really does start to get to the point where all the little moneysaving ways seem completely redundant in the face of a huge tidal wave like this which hits.

Birdie85

Aww man that really stinks.

I hope that at least you don't have to pay the full whack.

Please don't let this get you down too much, keep plodding away and believe that the good/bad balance will right itself- something good will come your way and something bad will smack the builder right in the chops! If you give me his name I could even do the smacking...

Tete_en_l'Air

Oh no, is it looking like the full £4k then? That's terrible. Do you have anything left in savings (I remember you having several ISAs not long back) so at least you're not adding to the debt? I guess, trying to be positive, whatever you have to pay at least it's happening now when you're totalling all your debt up and having almost a LBM#2, rather than a few months down the line when it would be putting you back where you started after having worked to pay some off? You know sort of psychologically better to get it all totted up at the start and then you'll only ever see it come down?

Dinah93

Feels like it's going up! I don't know what its going to come to, but NIMs dad has said we can borrow the money to avoid a ccj.

Tete_en_l'Air

Better to go up now though than further doen the line when you've already paid some off is what I mean - that would be so disheartening (even more so than this). That's kind of NIMs Dad, definitely do that rather than CCJ even if you have to prioritise paying him back over what the snowball says. Ooh the builder's whispering antics annoy me even more now

starnac

oh Dinah, that sucks. I hope it's not the full whack and like Tete says at least it's happening now and not in a couple of months time when you are on a roll again

shrimpy_80

Hi, didn't want to read and run, really really hope you get the decision you want (and deserve by the sounds of it) today Dinah & NIM, am keeping everything crossed for you x