Starting again, with a positve attitude this time ..

Eager_Elephant

Hiddenidenity wrote: »

Ok so Im not debt free

I recieved my credit report and it seems I had catalouge debt at a previous address I didnt know about

Friend has offered to help if needs be but I dont want him to just yet. Letters been sent today to ask them to stop interest/charges and come to some sort of payment plan.

So now the debt is
JD Williams £1504.39
The Brilliant Gift Shop £464.99
Premier Man £109.62
Very £351.04
Isme £318.97
Next £708.85


Total £3457.86 :o:(

Hi HI

If you definitely did not take out this debt then you need to contact them all and report this to the fraud department.

I have helped a number of clients who have had catalogue debts on their credit reports which were not theirs.

We had to send in proof of council tax bills etc and it was all looked into, written off and removed from the credit report.

If it is not yours do not pay it.

If you want any help let me know.

Hiddenidenity

Eager_Elephant wrote: »

Hi HI

If you definitely did not take out this debt then you need to contact them all and report this to the fraud department.

I have helped a number of clients who have had catalogue debts on their credit reports which were not theirs.

We had to send in proof of council tax bills etc and it was all looked into, written off and removed from the credit report.

If it is not yours do not pay it.

If you want any help let me know.

Thank you

Maybe I should have asked advice before paying them

Hiddenidenity

Hope all is well?

Well me and friend have decided to cool things off a bit, we are still going to see each other but he's bought a house so I def think the space will do me good. I've decided its def too soon to move in. So this now means my money has to stretch a bit further (it always does doesnt it?) Anyway my choice ill cope Im still in a better financial state than when I started. It's still important I keep up my dd to repay the savings. I've cancelled sky seeing he will have it at his. So no phone/tv/internet.

Tomorrows hospital appointments and carp.

Soo tired night all x

beanielou

Hope goes well tomorrow.
:eek: to no internet though.

Hiddenidenity

I can still come on here through my phone x

beanielou

I forget that people can access internet through their phone!!!

Hiddenidenity

It's good being able too although its rather annoying when your phone changes word and in look daft lol. I might look into a cheap net etc as time goes on, but no way I could afford the full works with sky x

Hiddenidenity

Well todays the day ill find out what the next few months hold. Nervous and feeling sick

Haven't slept a wink all night just awaiting the kids waking and then its time to get ready and go.

Hope all is well

beanielou

Thinking of you too xx

Hiddenidenity

Thank you xx

Well Im just out sat enjoying a coffee (expensive but I dserve it dont I?)

Decided to take the treatment on offer, bluntness from a consultant hits you in the face and makes you see sense doesnt it? I have to think of my kids and not myself, and thats what I was doing, I was being selfish.

Anyway I asked to start after Im back from my few days away, so at least the kids will have some enjoyment before the hell starts again. So 10 sessions over 20 weeks booked.