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DMP & Mutual Support Thread - Part 9

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  • Solwaysaver
    Solwaysaver Posts: 14 Forumite
    Thanks dmb and growurown :). I'm lucky that i have the chance of overtime. I owe my mum 2k and want to pay that back asap so it wouldnt be included in my list of debts. Credit card debts amount to just over 23k, did the stepchange debt remedy thing online, looking at around 165 towards the debt monthly. Have a scottish advisor phoning me at 9 tomorrow morning so will go over my figures again tonight. So grateful to have found this thread, it has given me hope and a bit of relief between the moments of extreme worry!
  • Solwaysaver
    Solwaysaver Posts: 14 Forumite
    Thanks bertman too! Paid only a small portion to creditors this week, £12 late payment fee off mbna today :(. Have sent letters out tho to mbna, tesco and santander asking for breathing space.
  • Keeping_positive_2
    Keeping_positive_2 Posts: 4 Newbie
    bertman wrote: »
    Hi KP.

    We also had an overdraft with NatWest which went onto the DMP, they did the same with us for about 3 months then sold the debt on, all the interest is now frozen and we haven't heard anything from them for nearly 8 months now. They have to play ball, they can't have what you don't have.........

    Thanks for your input Bertman - I thought they would do that, hopefully this wont go on for much longer then!
  • Solwaysaver
    Solwaysaver Posts: 14 Forumite
    Just off the phone to a lovely advisor at Stepchange, setting up a debt arrangement scheme. of course I won't can completely relax until I have it in writing that it's been accepted but the relief is HUGE!!! :j
    It's my debt and I want to pay back every penny and I will, looking at a 10 year payback plan but it's my intention to reduce that as much as I can.

    Just want to not spend every moment of the day worrying about money!
  • dmb_2
    dmb_2 Posts: 330 Forumite
    Yippee. First debt paid off.:j
    DeeBee
  • Growurown
    Growurown Posts: 5,498 Forumite
    Debt-free and Proud!
    dmb wrote: »
    Yippee. First debt paid off.:j

    :TWell done dmb - feels good doesn't it?
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
  • dmb_2
    dmb_2 Posts: 330 Forumite
    Certainly does!:)
    DeeBee
  • samlovescomps
    samlovescomps Posts: 145 Forumite
    dmb wrote: »
    Certainly does!:)

    I know that feeling! I have just paid off my second one and another will follow in 3 months. Well done us! :)
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    samlovescomps wrote: »
    I know that feeling! I have just paid off my second one and another will follow in 3 months. Well done us! :)


    Great news

    HHX
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    dmb wrote: »
    Yippee. First debt paid off.:j

    Brilliant

    HHx
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