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Started my long way to being debt free.

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Hi,

I have been in debt for a while now wiht the usual things, loans, card, ect... and was always just about keeping my head above water with my job getting a steady wage.

Recently my Mum passed away and this has now made me go under, due to a lot of additional expenses I was not counting on. So I have asked for help. I am speaking to the National Debt Line and have now a file with them. They have also set me up with a CASHFlow account, so hopefully this will all help.

Filled in my CHASFlow file and now waiting to get hold of the NDL to confirm, but finding it a bit tricky getting hold of someone again. Left them a couple of voicemails, but still waiting on a reply.

But once this has started, I am hopeing to get all my creditors to agree to my plan and pay them off.

I will keep you informed here on how I get on.
Debt free from January 2019 - Paid off £31,161.70 in 7 years.
10 year anniversary
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Comments

  • Well done on starting your journey. I'm very sorry about your mum :(

    Good luck!

    Polly x
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Spoken to my advisor and have been referred to the CCCS and they will run my debt management plan.

    Let's hope the paperwork gets sorted soon, so they can start working on this to assist me.

    Will keep you updated.
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Had my DMP Agreement today, so will sign this and return with a copy of my payslip and pension statement and send it back. Then the work starts...

    Will report back when I have the first confirmation..
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Returned my paper work yesterday and now waiting for confirmation of what will come next. Feel very edgy that something is going to go wrong (ever the pessimist)

    Still trying to get through to CCCS to ask some questions, but can never get through. Bless these guys, they must be so busy helping fools like me through it everyday...
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • -katied-
    -katied- Posts: 305 Forumite
    good luck on you'r journey to debt free
    :)£5 a day challenge april £338 /£150


  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Quassi75 wrote: »
    Hi,

    Recently my Mum passed away and this has now made me go under, due to a lot of additional expenses I was not counting on. So I have asked for help. I am speaking to the National Debt Line and have now a file with them. They have also set me up with a CASHFlow account, so hopefully this will all help. So sorry to hear about your mum Quassi

    Filled in my CHASFlow file and now waiting to get hold of the NDL to confirm, but finding it a bit tricky getting hold of someone again. Left them a couple of voicemails, but still waiting on a reply.

    Well done you, especially at such a difficult time.

    But once this has started, I am hopeing to get all my creditors to agree to my plan and pay them off. I'll keep my fingers crossed for you

    I will keep you informed here on how I get on.

    Please do as we are all in this together, some for the long haul and others nearing the end of their journey. Mine is in its early days and I have good and bad days and I find that posting on here, even if just talking to myself, I feel that little bit better. Good luck with CCCS x

    BFN Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Haven't received confirmation on my DMP from the CCCS, but calle dthem yesterday and they will be going through it soon and get me confirmed in. So hopefully will be able to start properly in a few days time...
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Had a call from the CCCS today and they have confirmed receipt of my paperwork. They have started me on the road now. Looking forward to getting my paperwork through shortly with what needs to be done...
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • Quassi75
    Quassi75 Posts: 205 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Had a text yesterday to confirm everything has been setup :)
    10/06 - £542 x 50months = DEBT FREE!!!!
    Debt free from January 2019 - Paid off £31,161.70 in 7 years.
    10 year anniversary
  • pheebs
    pheebs Posts: 11 Forumite
    Part of the Furniture 10 Posts Photogenic
    Good Luck on your debt free journey. I have a similar length of time until my dfd :)
    DMP with Stepchange started 1/6/12 for £44k
    Paid off in Aug 2019
    Now working on early repayment of mortgage and mortgage advance with Barclays £92k
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