We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Ive done it!!!!
biglad
Posts: 617 Forumite
Sorry if this is in the wrong place but I have finally beat my debt.
I had 24k worth of debt which I have paid all off, however Thursday the last default dropped off my file.
In total I had 7 defaults, 2 late payments and a CCJ
A little tip that may help some people. I had an account that was settled in 2011 that I had late payments on, which would have stayed on until 2017 which after many phone calls and letters I got them to agree to add a default to the file when I first set up the payment plan which was August 2006 so this meant that when they done this in November the account disappeared.
I also had a Natwest account that they didnt put into default until 02/2009 when I first got into trouble in 01/2007. With great help from this forum I was able to get them to change the date of default to when I got into trouble which was a massive relief for me.
I know I dont post on these forums much but believe me at the start it helped me massively and also along the way. I thought the day would never come when I would be debt free, but believe me, it will NEVER happen again after all I have been through. I am recently married to the most wonderful and understanding Woman and I feel now we can start on with the rest of our lives and getting our first house together.
I had 24k worth of debt which I have paid all off, however Thursday the last default dropped off my file.
In total I had 7 defaults, 2 late payments and a CCJ
A little tip that may help some people. I had an account that was settled in 2011 that I had late payments on, which would have stayed on until 2017 which after many phone calls and letters I got them to agree to add a default to the file when I first set up the payment plan which was August 2006 so this meant that when they done this in November the account disappeared.
I also had a Natwest account that they didnt put into default until 02/2009 when I first got into trouble in 01/2007. With great help from this forum I was able to get them to change the date of default to when I got into trouble which was a massive relief for me.
I know I dont post on these forums much but believe me at the start it helped me massively and also along the way. I thought the day would never come when I would be debt free, but believe me, it will NEVER happen again after all I have been through. I am recently married to the most wonderful and understanding Woman and I feel now we can start on with the rest of our lives and getting our first house together.
0
Comments
-
Well done Biglad!!! That is amazing, you should be very proud.
I hope to be able to post that one day about my own debt and therefore this inspires me! Keep up the good work to remain debt free.
NYD x2019 goal
0/£150000 -
Massive congratulations!
Sounds like the end of a long journey,
Well done
D90 -
Seconded, congrats,0
-
Well done biglad, you've worked really hard and beaten that debt mountain. Don't forget the debt free role of honour!Pay off all your debts by Christmas 2025 no. 15 £0/69490
-
Fabulous start to the new year. Many congratulations:beer:0
-
Fantastic news :j
Very well done on the debt free status :T
and Congratulations on your recent marriage
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
0 -
Well done - here's raising a glass to your prosperous and happy future "Save £12k in 2019" #120 - £100,699.57/£100,0000
-
Well done for getting so far and being free of your debt Good luck with buying a new home 0
-
Be very interested to hear your methods of getting the default moved. Trying with Halifax to get them to move a default back two years.0
-
Just wanted to add my congratulations - and I hope these messages provide the encouragement to others in these parts that need to see that it CAN be done. Brilliant news and a great start to your married life :T0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards