Day One of recovery from my darkest debt days. Support or advice hugely appreciated!

tippingpoint_2

I haven't come across a credit union before, I'll take a look.

I have just had live chat with Quick Quid, which seemed to go eerily well - they agreed to freeze interest & take 4 monthly payments of £326.56 from the end of Jan to settle the loan. They said they would email confirmation, but they seemed far more willing to agree than I expected...

camuk81

Hurray! One less problem bearing down at the moment. Make sure you have a reminder to check as I've been so wrapped up in this before I forgot to check and shot myself in the foot and had nothing to go back on a year later!

tippingpoint_2

Well, I have received an email from QuickQuid confirming the repayments from the end of Jan & freezing the interest - that means they will be clear by May! I have just contacted Wonga in the hope of doing similar...

BlushingRose

tippingpoint wrote: »

Well I got offers for both jobs last night, which is excellent. Neither can start me until Jan 2nd meaning my first pay won't be until end Jan, but it's a starting point!

Congrats!!

(jammy thing!)

wannabee_in_credit

Congratulations on the job offers and well done getting in control with the pdls as well.
Good luck with the rest of it...

dark^knight

Congratulations on your job offers. I hope you are able to make positive changes once you start the new job and you are able to off all the debts asap.

I was reading your initial post and was hoping and praying things would turn around for you. Hearing about your job offers made me happy...for you.

Good luck.

suzitiger

Good luck Tippingpoint!! Sound like you have had a really tough time. If you like and you think it would help you could join the 'clear all your debts by 2012' challenge. its really fun and there are loads of helpful tips and advice on there! Hope to see you on it soon. Suzitiger

sparkley84

Congratulations on facing up to everything and dealing with your debt problems - I know how hard that is. Well done on the jobs too! Its a tough job market out there and you've done really well to get two offers! Sounds like things are really looking up!

tippingpoint_2

Thanks Suzitiger, I'll definately get involved in the 'Clear all your Debts by 2012' challenge!

Wonga have emailed me this morning agreeing to a repayment plan over 5 months from the end of Jan at £239 per month. I must say that (so far) both QuickQuid and Wonga have been very quick to agree to a repayment plan without penalty, perhaps because I approached them rather than letting the payments default first. I'm still wary that both are demanding DD & saying that standing orders aren't acceptable, but I may get around that by keeping my Barclays account open, having my wages paid into a new account, & only depositing enough into the Barclays Account to cover their payments. Either that or I will keep pushing them for the details to arrange a standing order.

Without being armed with the knowledge & support of this forum, I would probably still have my head buried in the debt sand, panicking about my PDLs & how I would get through the next few days / weeks. I feel now that I am starting to take control of my finances, rather than allowing them to control me.

tealady

Hi
Well done on your achievements.
Whilst you are waiting to start your new job could you offer your services as a dog/baby sitter over Xmas and New Year? it might bring in a few quid.