My Proper DFW Diary

edited 30 November -1 at 1:00AM in Debt Free Diaries
155 replies 17.8K views
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  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    155 days to go!! Just about 21 weeks....
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    146 days to go... yay! And, the pension/annual pay-rise has happened so the monthly income is balanced back to what it was before, phew.

    Keep looking at the figures for when I move in with the boyfriend, so much less to pay out month to month. Seems unreal. Still holding my breath for everything anyway.

    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    And that moment when you discover that boyf is living in his overdraft... Not to mention paying interest on his credit card as he's not switched to a 0% rate (yet he fusses over get best deals in supermarkets and online :grr: ....

    If he's not sorted this all out by the time I move in, I'm not paying rent/mortgage into his account. Joint account or I pay it direct to his Mum.

    After years trying to sort out my own problems (and right now really feel for my mother after trying to get me to deal with my own debts) I refuse to pay to prop up his f**king overdraft every month instead.

    *very grumpy*
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    It's ok, his parents aren't happy either. We've talked though and we'll get it sorted.

    134 days til DRO ends, 19 weeks tomorrow.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Less than 18 weeks. It's finally dawning on him how soon I'll be moving in too. I'll still struggle to imagine what it'll be like when it all sorts itself out!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Only two more full rent payments to make :eek:
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    110 days (or just under 16 weeks) until DRO ends and Halifax have just sold my debt on to 'Anikaira'....... Told them I have a DRO, google it against my name on the insolvency register and then hung up, came home to the letter version. Will be posting that back to the return address with my DRO no. written all over it.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Annnnnnd same for the other Halifax debt (had two different cards with them, one started as an Amazon one). Will be posting that one to the other company on Monday.

    !!!!!!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    So now I seem to have had three debts passed on to three new collectors... Repeated texts which I'm just deleting. One phone call I've told my DRO number to and then hung up on and about five letters returned to the senders with my DRO number on the letter and a suggestion that they check my name against the Insolvency Register.

    I don't need this stress, I'm potentially dealing with a life-long inflammatory/central nervous system problem, hoping it's just post viral inflammation and depression though argh.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    99 days to go!!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
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