Determined to do well !!

debtfreewannabe321

can you perhaps offer a few creditors some f&f with that money and clear them off completely? Think there is some info on the boards somewhere, i've just offered £5k to clear nearly £8.5k worth of debt. Some said yes immediately and others only want slightly more so I can clear them for less than was owed? A little boost like that will help you carry on. I remember my debt being at over £17k and thinking 'I will never clear it' but perseverance and hard work pays off, so keep at it x

cottage_retreatist

Hey Shinner! :beer:

I've been enjoying reading your diary! A bit of similarities coming through between your OH and mine with the struggling to grasp the concept that debt freedom is better than debt ignorance!!!! I battle mine almost daily not to spend or rather to save money!!! :rotfl:

A good thing on your brothers winning on the dogs-I agree-full and finals could be a good way to go or use it to get rid of some of the highest interest debts and save a little bit to treat yourself?!

I'm learning everyone needs a treat to stay sane! (Thanks to debtfreewannabee321!!!! :beer:)

But you've done brilliantly! Mine is about the same as yours (a bit more-18 grand) so ill be keeping an eye on your progress!!!!! :j

C-R xx

shinner

Default Mercers letters
I received a letter on saturday stating they would like to hear from to discuss current situation. if they dont full balance will become due immediately. Also state right to set off rule.
Today i recieved another letter for same account saying WE CAN HELP -CALL US NOW
informing me i have missed 5 payments if i can make a payment equal to 3 of outstanding payments they wil CREDIT MY ACCOUNT WITH THE REMAINING 2.
Is it likely that they will accept a full and final offer settlement?

shinner

Well still haven't contacted Mercers yet think will do it tomor have asked Santander if they will allow me to open an account for dd dp fingers crossed they will. Also messaged virgin to see if they will accept £500 for F&F not holding my breath but you never know. I am sure no doubt they will be on the phone to me or sending me a letter.
Looked at bank balance and although have spent alot lately it was not a bad balance. Also found out got a 1% pay rise not alot but first in 3 yrs.

shinner

One step closer to being free from barclays no money getting paid into my current now so just a new account for dp and then can close all accounts.The day i do this will be a good one.

shinner

New account just about set up just need to get money paid in then will close my account.

taxi73

keep on plodding you'll get there x

shinner

Well been painting all weekend hard work still lots of mess to sort. Paid £50 of xmas club so not much left thankfully.
Had a lovely day today went for a meal with friends and they kindly picked up the bill also.
Awaiting a letter from Virgin but not holding my breath.

debtfreewannabe321

Hope you get some joy on your f&f offers x

shinner

Barclaycard infuriate me they have started adding interest to 1 of my accounts so looks like i wont be getting anywhere with paying off think it is time to pay £1 a month.