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OrangeMikey
Posts: 21 Forumite
Well I'm not officially there yet, but the end is so near I can't help sharing.
I started a DMP with CCCS after a light bulb moment back at Christmas 2007/8. One of the reasons I lurked in these forums rather than signing up and posting was I was embarrassed by how much I'd messed up. In fact I'd messed up to the tune of over £70,000 all on loans and credit cards when I had my LBM.
But now my only debt is not defaulted and is at just over £3,000 and I've signed an acceptance letter for a PPI refund offer that will cover that and a small bit more so am waiting for the cheque from that. Once that's cleared I can't wait to make that phone call to pay off the last one.
Despite not posting I've read many posts on the forum over the years of my DMP and the advice some of you have given to others on the forum has also been relevant to me and I just want to say thank you and let you know that sometimes your posts are also doing good that you don't immediately know about.
I also have to comment how much CCCS helped me especially at the start of my DMP when I thought the world was ending and in this final year where they were very supportive of me taking control of my own finances again.
You've all helped me do what I once though was impossible and I've escaped from that never ending spiral of minimum payments and consolidation loans and in a shorter time than I ever imagined was possible.
THANK YOU!!!
:j
I started a DMP with CCCS after a light bulb moment back at Christmas 2007/8. One of the reasons I lurked in these forums rather than signing up and posting was I was embarrassed by how much I'd messed up. In fact I'd messed up to the tune of over £70,000 all on loans and credit cards when I had my LBM.
But now my only debt is not defaulted and is at just over £3,000 and I've signed an acceptance letter for a PPI refund offer that will cover that and a small bit more so am waiting for the cheque from that. Once that's cleared I can't wait to make that phone call to pay off the last one.
Despite not posting I've read many posts on the forum over the years of my DMP and the advice some of you have given to others on the forum has also been relevant to me and I just want to say thank you and let you know that sometimes your posts are also doing good that you don't immediately know about.
I also have to comment how much CCCS helped me especially at the start of my DMP when I thought the world was ending and in this final year where they were very supportive of me taking control of my own finances again.
You've all helped me do what I once though was impossible and I've escaped from that never ending spiral of minimum payments and consolidation loans and in a shorter time than I ever imagined was possible.
THANK YOU!!!
:j
Debt at LBM Christmas 2007/8 £70,000
Debt now 3000, but PPI payment that covers this and more in the way. :j
Thank you MSE forums!
Thank you MSE forums!
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Comments
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Amazing!! Well done! Can't wait for my turn to write that.xLBM 2008 [STRIKE]£45,091.23[/STRIKE] eek: now £7889:T Debt free date 18/07/2018
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Learning2Budget wrote: »Can't wait for my turn to write that.x
It's a very happy feeling, and looks like you're well on your way so keep up the good work!Debt at LBM Christmas 2007/8 £70,000Debt now 3000, but PPI payment that covers this and more in the way. :j
Thank you MSE forums!0 -
Congratulations!
What a massive achievement and relief it must be.
Gives me hope when I'm only in a tiny amount of debt compared to yours! 0 -
from 70 to 3, that's impressive! congratulations and enjoy your new debt-free life!0
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Well done Mr Orange, brilliant!I'm Debt Free :j 2/09/2013
Debt at LBM 30/04/2010 £24,109.38,0 -
well done u.....i am just at the beginning of my journey and feel like u described....however it is inspirational 2 read it CAN b done
njoy ur debt free life with money in ur pocket
x0 -
That's brilliant!! Well done.
Thank you for sharing.0 -
Well done and congratulations :T:T I can't wait to write those magical words by latest end of this year
LBM 11/2009 Total Debts 11/2009 £44624 with DFD 2015
Debt Free Date: 14/11/2012 :j:j:j0 -
Well done and congratulations OrangeMikey :T
I find posts like yours truly inspirational and they give a lot of people hope LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero:staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day ThreadsMortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads"Debt is normal. Be weird!" Dave RamseyProud to have dealt with our debt
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AMAZING! Well done sir 0
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