Finally can see a way :)

sleines

Hi all,

I have been obsessed with this forum over the last few months - checking it for hours pretty much every day and it has given me so much hope and inspiration and so I thought I'd share how I feel today.

It all started 10 years ago when at 18 I went to Uni and Lloyds TSB offered me a 'Student Credit Card' (not sure how they could justify giving a student a credit card but never mind) I told the adviser in the bank that I didn't want it but they persuaded me - 'for emergencies and it only has a limit of £500 so you'll be fine' anyway limit of £500 gradually increased from £500 to £1500.

Anyway since then due to me being young and silly I defaulted on another credit card (paid in full thanks to my gran and due to drop off this month sometime yey), managed to do balance transfer last year for over £5k of credit card debt (Cap One, Vanquis and still the Lloyds from ten years ago!!!) to two 0% but still had £3000 O/D with Lloyds and over £100 owed to Next.

All in all my debt on Monday was £8323.58. With plans on getting mortgage I knew something drastic had to be done - I've sold my pride and joy, my beautiful car but this means today I have been able to clear my overdraft, pay Next in full and half of one of the 0% cards so right this moment my debts are £3520.44. I know I have a long way to go but it feels amazing. My goal to be debt free is 22/08/14.

I’m just kicking myself that in my stupidity I did take out some payday loans this time last year so even with being debt and default free mortgage may be a while again.

Today has been an amazing day and hopefully I can report more over the next few months

anfield651

what a waste of space lifeboat loan company are i take it they built the titantic cos they done nothing but messed me about for 3days and that was after offering me a loan and me signing the contract then after all that they declined me the whole lot of them are as much use as a ashtray on a motorbike :mad::mad::mad::mad:

anfield651

this lot are no better than lifeboat they cant even write a email to answer my questions just a bunch of muppets:mad::mad::mad::mad:

cottage_retreatist

hey anfield651 - dunno if you posted in the wrong place?

Anyway!!!!...........

sleines - well done on tackling your debts and good luck with the rest of your journey!! You've shown massive courage tackling it head on and selling the car to pay off the debts!!!!

Good luck and look forward to seeing you on the debt free board soon!!!!
C-R x