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Pinot's Potty debt free journey!!!

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Comments

  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    MrsPG if you dont reply to my PM I will have to throw and American sized strop
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    She hasn't replied to mine either....But that's ok :)
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • EE you have gone and done it again, popped up at just the right time. I am so very grateful to you.

    I seriously have never heard of a social Fund but as you say I have discovered that money so hopefully that will tide me over for now.

    You are right, the creditors do really worry me. You may remember I had THEM banging on my door sometime ago and that experience has stayed with me. I tend to put the Predators above everything else which I know I shouldn't and a habit I need to break. I need to make token payments, I really dont want to upset the apple car, they have been so quiet, we are past the review and I havent heard a peepout of them, so I feel by offering token payments I will be brought to their attention. Thankyou for the offer with the letter. I will write something and then run it past you if it looks like it needs some help. I am usually ok on the letters but with my foggy head I am not too sure at the moment and it could end up a load of drivel.

    Thankyou, I have stamps with Father Christmas on them !!:rotfl:

    The problem with the non priority creditors is that they put the fear of God into everyone and this means people keep to the payments even if they cannot afford it.

    You are but a drop in the ocean to them - they don't care what you pay them as long as they get something and have an arrangement.
    They will see you have kept to your previous arrangement, have a blip at the moment but hope to restart bigger payments in the future and it will all be fine.

    If it does not turn out like that I will eat my hat!!

    My new stamps from Royal Mail are the new commerative London Underground ones - I am so excited I have never had commerative stamps before :rotfl:
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Nope, not replied to mine either! Come on MrsP - you don't get PMs like these every day :D
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • lucielle
    lucielle Posts: 11,525 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi PG, really am very sorry that things are so tough for you. Hoping and praying that the money comes through. Have you got anything you can sell on ebay. I know its not instant cash but as the ad says every little helps. Stay strong.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • bast
    bast Posts: 448 Forumite
    edited 26 February 2013 at 7:23PM
    Hi PG ... glad you have found some money in the pay pal account.. if you do unfortunately find yourself needing food again as EE says a crisis loan might be able to help from the social fund. It is a free phone number and available to anyone working or not. You pay it back without interest and believe me I have had to give the number out to many people working. x

    The social fund is part of the Department for work and pensions as of the end of March they will not be available in this form. The local authorities will be dealing with them in whatever form I have no idea :)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Ah so now it's your turn to realise what wonderful people there are in the world. The majority of these folk made me weep last week through their kindness and love. I suspect that's what they're doing to you now.

    You really know where I am and I have masses of bananas. I will bake you my banana cake!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • That 90 quid is going to put food on your table. Breathe easy and you can do it.

    we all have the dark days. x
    Trying to shift that debt!
  • Sorry everyone, I had to rush out after my last post and have not long been back home. I am working my way through your lovely PMs and still trying to read your messages here also. I will reply to you all I promise. I find it very very hard to accept help in any shape or form, always have done and knowing me I always will. Its not a good quality of mine.

    I have some food to keep us going now I redid the shop with the Paypal money this evening.

    Despite everything I can honestly say that I feel like the luckiest person in the world right now to have such lovely friends on here.

    I am shattered, will try and make it back tomorrow .

    Thankyou again , you have helped me so much today xx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Whenever you need us, we are here :) and even if you feel you can't accept our help now...we'll be here if you ever do. That's just what friends are for, whether you've met us virtually or face to face.

    I must say, this thread has given me the warm and fuzzies today. It's amazing to see community spirit coming together to help someone in need. My faith in humanity has been restored :)

    xx
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
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