Hiding your debts? Think you can cope on your own?

Wellyboots6

Chill, deep breaths and forget all about it until 8am tomorrow.

Nothing you can do about it now so try not to worry.

When you give them a call just explain everything. Even if it works out that you have only a few pounds to offer as repayment that is better than nothing

Rochdale_Guy

katy721 wrote: »

Chill, deep breaths and forget all about it until 8am tomorrow.

Nothing you can do about it now so try not to worry.

You don't know me katy721 :rotfl:

When you give them a call just explain everything. Even if it works out that you have only a few pounds to offer as repayment that is better than nothing

Fair point, but I don't want to take 20 years paying this back... good night!

backinbusiness

Wow RG - no need to be rude

Rochdale_Guy

backinbusiness wrote: »

Wow RG - no need to be rude

I didn't mean it like that..... come on, give me a break here.
Have YOU read all of this thread BTW?


I followed it with "good night" as katy721 said

Chill, deep breaths and forget all about it until 8am tomorrow.

Nothing you can do about it now so try not to worry.

and I meant I'm logging out of this forum now, to try and relax!

But now you've rattled me cage! I'm so sensitive

No offence meant katy721 :beer:

Wellyboots6

Don't worry, I take no offence as I know times like this are stressful!

I will say this though...

Don't fall in to the trap I have done on so many occasions and convince yourself that some miracle will come along and sort this out. It won't. It will be a long hard slog, and I am only just realising this myself.

Rochdale_Guy wrote: »

Fair point, but I don't want to take 20 years paying this back... good night!

You may not WANT to take 20 years to pay this back, but you may have to suck it up and accept the fact that you may HAVE to take 20 years to pay it back.

Do remember though, that during those 20 years you can work at upping your income, and therefore reduce the 20 years total.

Not being harsh, just trying to say that once you start accepting what is going to happen it makes it a whole lot easier to tackle the problems.

This is something you CAN control, you just may not like the way it has to be done.

Chin up, it could be worse (or so they say!)

Rochdale_Guy

Very well said and explained, thank you x

Oh and your doggie is gorgeous too

Wellyboots6

Ta, I won't tell him you said that. He has an over-inflated ego as it is!!

Standingtall

Rochdale Guy. A few months of token payments would take you through to April in any case.

Rochdale_Guy

Standingtall wrote: »

Rochdale Guy. A few months of token payments would take you through to April in any case.

Very good point. I keep forgetting that it takes a while to set up any DMP, and if I cancel all the credit card and car loan direct debits, that's what?, £648 not spent on them a month for February and March?

Thank you Standingtall :j

Rochdale_Guy

katy721 wrote: »

Ta, I won't tell him you said that. He has an over-inflated ego as it is!!

I have no doubt he's big, strong & tough + looks scary!, but when he's at home with just you, bet he's a great big softie and wants his belly scratching! :rotfl: