I'm getting there....!!!

Miss149

Well today I have just made a final payment on one of my Defaults, £216! All paid off, just waiting for that 'settled' to be applied now

Just one more default to go which is £281, Im hoping to get that done and sorted in December and just have a cheap Xmas! I'd rather get my debts settled then splash out on gifts, I've asked for nothing but family time instead of having to spend £200-£300 on gifts for everyone!

My debt 'issues' started when I was 18 and just bought what I wanted when I wanted it, with no regard for how or who was going to pay my credit card bills. 3 credit cards, 3 online shopping accounts, 2 phone contract and a loan saw my spiral very quickly out of control on a administration wage! I ignored it and ignored it, until eventually my credit rating plummeted to 'VERY POOR' & 'WOULD NOT TOUCH WITH A BARGEPOLE'! I had 8 Defaults registered against me, I paid some back, others I didn't and for the next 6 years I wasn't allowed any credit and I made no attempt to 'sort' out my issue. Those defaults fell off, became SB, and I was in a position to maybe start rebuilding my credit file and take responsibility (shudders!)

HOWEVER, I then fell into a similar trap (Woe is me and stupidity really does slap me in the face alot), and I ended up in a mess with payday loans... robbing peter to pay paul! So again I started battling with letters/calls and eventually paid all but one back, and then they logged a default against me, as did Santandar for not paying back an unauthorised overdraft hence 2 new shiny defaults (SIGH).

So now, Ive paid one of those back in full, and I am nearly in the process of paying the second back in full.

I know I've been stupid and quite frankly a total idiot, but the MSE boards really were the wake up call I needed to get my act together, stop being a financial nightmare and think about my future!

My credit score will hopefully recover in time, and I have placed myself on a personal ban of, if you dont need it, you dont buy it. I am rewearing all items of my wardrobe instead of replacing, I am mending those that can be mended and I am on a strict weekly budget! I withdraw the cash I'm allowed, and leave the cards at home! If its gone, its gone. Tough. I spend my fridays night in, and my saturday nights at a friends with my £5-6 bottle of wine, and do you know I could not be happier!!!!

I just really wanted to say thanks and although I dont post alot, I read the boards every single day, picking up hints and tips So thank you for 'fingers crossed' getting me back on track. Hopefully in 4-5 years I 'may' be allowed a mortgage and become a real grown up!

HeadAboveWater

Just wanted to say well done :T

I love the fact that you're asking for family time for christmas And the fact that you're happier now more than ever says it all!

Congrats again and enjoy your wages from December on

harrys_dad

Well done indeed, and I am sure your story and honesty will inspire others.

Clarabara1

Well done - what an incredible achievement. You must have never thought this day would arrive.

I'm sure so many will relate to your story and find inspiration and hope that they too can achieve.

Fae

Well done, :j I find these posts so inspiring it reminds me to keep at it.

Fae

Moneymash

Well done.

Keep going you are doing very well.:)

StressedSteph

Fantastic story, well done for getting control of your life again, just hope I have half the willpower you have.*