Determined to do well !!

shinner

first day went ok think i will be fine when kids come in. I need to just take everything in in the first week.
been to shop tonight and bought a nice bottle of white.

debtfreewannabe321

Oh enjoy the wine and well done on getting the first day out of the way glad it went well

taxi73

Always nice when the 1st day is over

shinner

Will be glad when first day tomorrow is out of the way that is when the challenges start. I also find out what i am up against lol. Today was good starting to feel ok there but it will be a while before i feel accepted lol.
DS chipped his front tooth today so i had to have time out of my job only an hour and have to take him back to dentist in a fortnight, poor boy was distraught. He hates dentist bottom lip well fat.:(

taxi73

aww hope he feels better soon

shinner

well first day with children went well. DD did fab hard being in same class but she rose to the challenge DS is ok he has calmed down had a little rant this morn but seems happy now NSD arent going great lol.
I am going to have a few challenges i think in next few weeks. xx

debtfreewannabe321

well done on surviving the first day and what sort of challenges are you going to do? I do love a challenge

shinner

lol wish they were debt challenges but are work challenges i have ahead. Behavior curbing thinking outside the box and understanding triggers. xx

shinner

Well i have managed a grand total of 3 NSD this month not doing very well. Work going ok still settling in. I am using new found time off to exercise so have lost 5lb in 2 weeks only 33 to go. This week have extra shifts at 2nd job so an extra £50 on next months wage. Pay day soon then going to see where i am at and contact bcard with F&F.

shinner

Well phoned B'card they want 9000 to settle i cant give them that wish i could. I have a feeling i have made a massive mistake changing jobs i got hardly any wages this month so i have had it cant pay my cards anything other than a £1 they are sending 2 accounts to other collections departments. I have composed this letter anyone any thoughts ? Also how do i add that my payments will be token payments of £1.
My SOA says i am minus £250
I write with reference to the money which you are claiming on the above accounts.

I can confirm that I am unable to offer to pay the money which I owe in full. My wages have dramatically decreased due to a change in job I have attached a copy of my SOA . However, a family member will loan me £5500 on the one condition all 3 accounts are closed and I want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability.

I also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as having been paid and the account closed.

Payment can be made within 7 days of receiving your written agreement of this offer and method of payment.

I look forward to receiving your reply.

Yours faithfully