Spent 4 years pretending it's all OK

NoOneAround

Just received a call from a friend in London who celebrates Diwali (Hindu Festival of lights) which is apparently today - wishing me happiness, health wealth and prosperity:) I met her few years ago at my son's school but they moved away. They traditionally light oil lamps and put them in their windows, and it is meant to invite in the Goddess of Wealth and Prosperity, the light shows her the way in. Seems like a really nice thing to do:)
Had a really nice little chat (distracted from work now!) and made me feel happy. Its a big day for friend's family, bit like Christmas.


I think I might put some tea lights in the windows too, we could all do with some Good Health, Wealth and Prosperity here :)whatever your beliefs.


and whoever is out there in the Universe listening, and watching, The Light Bulb moments on this forum generate so much light we should be clearly visible from afar:)


My Thought for the Day.
xx

NoOneAround

Just received first two letters of default (2 CCs from same bank). Does not feel very nice even though it was expected.
Letters say to keep making whatever payments (token at the moment) in place but that they may sell debt or "Placement of debt" (which apparently means placing it with agent to collect in full on their behalf). The second sounds nastier?


Earlier good mood now totally deflated.
Will probably ring StepChange tomorrow to ask if I should do anything. Circumstances haven't changed overall (increase income in some areas cancels loss in others) :(
Had had a productive hour of work, head gone to pot now.

Puzzcat

NoOneAround wrote: »

Just received first two letters of default (2 CCs from same bank). Does not feel very nice even though it was expected.
Letters say to keep making whatever payments (token at the moment) in place but that they may sell debt or "Placement of debt" (which apparently means placing it with agent to collect in full on their behalf). The second sounds nastier?


Earlier good mood now totally deflated.
Will probably ring StepChange tomorrow to ask if I should do anything. Circumstances haven't changed overall (increase income in some areas cancels loss in others) :(
Had had a productive hour of work, head gone to pot now.

I'm sure they are just standard computerised letters but give SC a ring (they are open today...!) just to double check then you can file them away and put back on your happy head...!


Puzz. x

supersaver1000

Sending hugs NOA. Stay strong. :T:):T

grannyx2

As an experienced self managed DMPer, I would just like to say don't worry about these letters or the threats they contain. You will get a variety of computer generated letters but as long as you stick to the agreed repayment plan and contact them when they tell you it's time for a review, it's safe to ignore any others.

As to the defaults, you are just 6 years from these debts being wiped from your credit file. PMA is all that's required to turn this into a positive

Granny x

PinotGrigio41

Please dont worry NoOne. These letters are standard run of the mill letters they will send to you. As Granny and others have said just carry on with the repayment plan that you have agreed. In my opinion you need to do nothing further for now, but if a call to StepChange puts your mind at ease , then have a chat with them. These predators love to send letters designed to upset, worry or scare you. I do think you become pretty much immune after a while.

Save them up in a nice pile, then when you have some time wallpaper the toilet with them, that's all they are good for !

As for the call from your friend, I think that's a fab idea and I think I will join you this evening in putting tea lights in the window . A little bit of health, wealth and prosperity wouldn't go a miss in the PG Household today

Loved your analogy re the LBM, you do make me laugh !! :rotfl:xx

Igamogam

NoOneAround wrote: »

ago. DD had LOVED shiny new pennies to the point of obsession, so every time we got given a shiny 1 or 2 p she put it in this money tin. It was very heavy. I emptied it and counted all the coppers.....not many are shiny any more as have tarnished over the years but she managed to save £6.81.

I saved coppers in an oversized whiskey bottle.........for years! I wasn't too obsessed about it but when it was half full I was almost tempted to empty it but decided to have a concerted effort to fill it - took us about 18 months more and we were positively evangelical about it! Emptied it in May 2012 and counted over £50! We found half p's at the bottom which the DDs found very amusing and couldn't believe such things ever existed. Have now started again and am about 3 inches up the side of the bottle:rotfl:

Brogden

Come on NOA..........come and talk to us

Brogden

NoOneAround wrote: »

Just received first two letters of default (2 CCs from same bank). Does not feel very nice even though it was expected.
Letters say to keep making whatever payments (token at the moment) in place but that they may sell debt or "Placement of debt" (which apparently means placing it with agent to collect in full on their behalf). The second sounds nastier?


Earlier good mood now totally deflated.
Will probably ring StepChange tomorrow to ask if I should do anything. Circumstances haven't changed overall (increase income in some areas cancels loss in others) :(
Had had a productive hour of work, head gone to pot now.

Good Mornin' Sweetie

You will feel better in no time.....get those candles in the window and let them represent your LBM :T

At least you're not doing what I did when the default letters came through.....paying money I didn't have to try to put off the inevitable. Because I caught up or part caught up and then fell behind again I received a few of these on each credit card......they don't actually default you until they terminate the agreement - no doubt the letters you have received are just the bank being as nasty as they can be and trying to worry people as much as possible.

You know what you are doing and you are not going to let them bring you down are you?

Brogden x

NoOneAround

PennySaving wrote: »

Hi, No, I don't have a diary, just enjoy reading everyone else's :T

Great effort on your DH's part

Hi PennySaving, it was, and he has done it once more since - it wasn't just a freakish accident on his part!!
x