Determined to do well !!

shinner

now 3515 on one and other 2 statements not in yet. Looks like it is a waste of time.

debtfreewannabe321

Don't lose heart shinner, it's so annoying when you are on your DF journey and they do things like this, but you have to keep on. I remember starting at over 17k too and it was so depressing but if you keep picking yourself up and carrying on the wheel does eventually turn in your favour and things will start to come right again, I promise . I'm on a dmp and 3 of our debts were with barclays (a loan, overdraft of nearly 5k, and barclay card) and the BC debt refused to stop interest the entire time it really was deflating. We're at a point where we're offering f&f's now and guess who, out of 13 creditors, are playing hardball in accepting, yep barclays. I despise them. Hopefully though after you and I are free of them we will never have any more dealings with them though eh that's what keeps me going! Keep going you're doing well

shinner

I will never go near barclays/barclaycard again awaiting a call from with regards to payment plan. Although i am going to see if they will offer me a F&F settlement just received a reply from virgin they will take £500.
If i can get a low full and final my brother will lend me.

shinner

Been on phone to barclaycard interest froze again no sign of last lot being taken off. My brother is willing to help if i can get barclaycard to accept a low f&f settlement figure. Thought i would offer 30% and hope for best it would take them 5 years at present to get this hoping they will bite.

debtfreewannabe321

ooh good luck I hope they settle My dh settled his BC for 58% and they were happy to accept this so no harm in starting lower :T

shinner

How long ago did he settle? Had he been paying low payments a long time ? If they will settle it would be great not holding my breath though. Wish they would do same as virgin 22%.
Paid £20 off vouchers today £55 to go then it will just be children to get as the vouchers should cover all family.

shinner

Morning i have a list of jobs as long as my arm so need to get started really just not motivated today.
Need to write to BC
Go through freezer plan meals thought i would try with a week to start.
Washing x3 loads where does it all come from.
Party to go to and OH wanted to take kids to cinema!

debtfreewannabe321

we've been on a dmp with BC being one of the creditors since Jan 2011. so 2 and half years of lowish payments, we offered them the f&f only last month as DH got an inheritance through, wasn't enough to offer everyone the full amount so we offered all creditors on the dmp 58% (stepchange did it for us we paid them the money and they have hold of it now) We got the letter confirming it only Saturday so it's quite a long process from offering to them accepting i found, so don't lose heart if you don't hear back straight off. SC told us that sometimes they wait months for a reply because the creditor has so many to process :eek: we're still waiting on 5 others to accept/reject our offer

shinner

oh dear didn't do very well with my jobs today managed to do 3x washing and dry it.
Cut the grass
Walked the dog
Made full english for breakfast/lunch
Left over chicken with rice for tea
Made cake
Helped resurrect garage walls
So have been quite busy just not focused on what i needed to do.
I will Phone barclaycard/mercers tomor explain virgin took 22% and they can have that or just my low payment.

shinner

Phoned Barclaycard they could do for £7000 today i told them cant raise anymore than 5000 2 accounts going to different collection at the end of september. Have to ring back.