What a difference a year makes

Saturnalia

Yesterday my DRO ended.

It's been an interesting year, full of ups and downs, but I think I'll always remember that feeling a year ago of seeing my name on the register and seeing my DRO had been accepted, and with that I slept soundly for the first time in years. It was bright and hot and sunny that day as well, just like it is today.

The ticker on my phone seemed to be stuck forever on 200+ days, then the next hundred went a little quicker, then once it was into double figures the days seemed to race past - but then the last 9 days seemed to take an eternity. I still hardly believe it has come.

So here I am, I've survived and am officially out of debt. Now it's just the process of keeping up to date with my phone bill, once I'm in permanent work again getting a rubbish credit card, putting the cat food on it and paying it off in full every time the bill comes, and over the next six years keeping those rows of green ticks on my credit reports.

Here's to 2018 - if this year is anything to go by, it will be here before we know it! :eek::rotfl:

HeadAboveWater

Well done :j

muddipaws

well done, its a great feeling isnt it

caz2003uk

Well Done :j

I will be feeling as you are now in 5 and a half weeks! It's been an interesting year and Ive learnt a hell of a lot! The relief from the DRO was a huge difference to my life and has helped me to get my finances on track! I now know when everything goes out, how much and am much more on top of everything now!

Im counting down the days!

fatbelly

Well done guys. Remember to print off your entry on the Insolvency Service website after your DRO has finished. It only stays there 3 months and it's useful proof if some stupid DCA contacts you in future.

Fizzbitz

Thank you all for sharing that. I am in the process of applying for a DRO and all over the place emotionally to the point of not being able to function. It's good to know there is "the other side" to look forward too,

Fizz

Saturnalia

Hugs, Fizzbitz. I remember that place well. It is so difficult emotionally, but worth it once your DRO is accepted and the DCAs call and you can tell them your DRO number and know that's it, they'll never call back.

It is strange for the first month or so when they do stop calling and knocking the door - all that time you wanted it to stop, but for a little while after they do it just seems too quiet all of a sudden!

Lots of us on here have come out the other side, you will too.

It's a harsh life lesson alright, but I think I've learnt. The only debts I ever want to have from hereonin is a mortgage eventually, and a two-figures credit card bill I know I've earnt the money to pay off when it arrives. Nothing is worth the hell that five figures of debt brings.