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jacnorm
Posts: 410 Forumite
Hi all this is the first time I have posted anything on here but, I have been reading the post`s from the rest of you for several week`s and, I would just like to say that thank`s to you lot out there I have started to get thing`s sorted out. I have been on cccs website and completed the forms and they have offered me DMP at £38 per month. I only hope it all goes well when the creditors are contacted but, we will see.
Thank`s again to you all it`s nice to know that we are not alone with this situation. Jacqui
Thank`s again to you all it`s nice to know that we are not alone with this situation. Jacqui
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Comments
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Good luck. Hope it gets sorted quicklyBarclaycard 3800
Nothing to do but hibernate till spring
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good luck and well done for posting
31/12/2006 £8395, 01/10/2008 £5089.73, 19/10/2010 £835.00 31/03/2011 £0.00
Pigsback = £9.35 (£30 claimed), Quidco = £128.24 claimedOfficial DFW Nerd No. 264
Debt-free and Proud!0 -
how much are your debts?0
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hi jac/norm well done for posting and taking the steps to the debt free road, we are here to help along the way if you have any questions.Official DFW NERD 189
I may be a woman but dont hold it against me:D
Officially declared Br 6/11/06
Discharged Br 4/5/07 (6 months to the day)
BCSC MEMBER 210 -
Hi Jacqui,
Welcome to the boards. Great to see that you have had your lightbulb moment and have started the journey to debtfreeness.
Why not have a go at posting your Statement of affairs and see if the guys here can work out further savings.
All the best
CrownOfficial DFW Nerd Club - Member no. 297 - Proud To Be Dealing With My Debts
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Welcome aboard!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Hi there, I don`t have time to put all the info on at minute but, the total debt is £38,000 and the bulk of it is loans and credit cards with lloyds bank.
Hubby does not work as now unable to he is registered disabled and I am now his carer for which I get paid £47 per week. Will post SOA as soon as I can Jacqui0 -
Hi
Welcome to the board - I'm in a similar debt situation and have just started a DMP with CCCS as well.
Sea xxCCCS DMP:Feb 07
Total:£37,016.47 now £0 DEBT FREE FEB 14
2022 Decluttering Campaign 49/10110 -
Hi Sea just a quick question did it go pretty smoothly when you were trying to get it set up? I really don`t want my husband getting more stressed out about this as I have managed to keep him quite calm up to now.
When it was all added up and I realised how much we actually owed it was frightening. Our circumstances had changed in a way so that we have £900less each month coming in that was the final straw for me.
It was hard paying things without the loss of the other money. Still waiting to hear further from cccs. I would have gone for bankruptcy but, we live in private rented accomdation and it`s in our tenancy agreement if we are declared bankrupt we lose our right to stay in the house. Jacqui0 -
Well done on dealing with your debt. Don't feel too deflated when some of your creditors initially refuse your payment proposals. This is perfectly normal & most of us have been through it. Just stick to your guns & don't offer more than you can afford. Eventually, they usually come around & most creditors seem to respect CCCS.jac/norm wrote:I only hope it all goes well when the creditors are contacted but, we will see.
Thank`s again to you all it`s nice to know that we are not alone with this situation. JacquiDonedoingdebt Lightbulb moment January 2000. Debt at highest approx £102,000. Debt now (October 2009 - absolutely fork all!!!):beer:
CSA case closed on 02/09/10 :beer::beer:0
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