Brogden's Debt Disaster & Self Managed DMP!

helena124

On a positive note, is it Friday yet?

...............almost xxxxx

Brogden

helena124 wrote: »

On a positive note, is it Friday yet?

...............almost xxxxx

We are well down the other side of the hump my dear !!!

Stick with it !! All comes to he or she who waits :rotfl:!!

xx

Ali-OK

As an experiment, might be interesting to live life according to what the pension amounts to (minus mortgage and debt payments). Based on the outcome, I'll decide on my diet :rotfl:

Hoorah for nearly Friday and a weekend of no work.

Brogden

Ali-OK wrote: »

As an experiment, might be interesting to live life according to what the pension amounts to (minus mortgage and debt payments). Based on the outcome, I'll decide on my diet :rotfl:

Hoorah for nearly Friday and a weekend of no work.

Hi Ali,

I don't know if that idea is a bit too interesting for me......and a bit too frightening too :eek: for the time being :rotfl:!!

If you try it Ali, please let us know how it works for you.....I think you are a bit more sorted out than me......its chaos here a lot of the time and nothing like I imagine retired life to be !!

Brogden x

in_need_of_direction

No need to go those extremes Ali. You always have the option to do what I threaten my kids with. Use one of those buy back property places, party through your old age and leave them with nothing!

Brogden

Have a great weekend everyone

This ‘green’ site has become so familiar to me and I keep coming back again and again. I have been a member for quite some time now. I joined in the real ‘winter of my discontent’ and at that time I focused on the ‘Debt Free Wannabe’ forum. When I look back I was plaintively looking for some sort of comfort in my distress . I did find some and I also found things which worried me. Things which were ‘blown up’ and out of proportion and some people may have posted messages which would upset because those individuals were worried themselves. When we have poor fortune there is sometimes the temptation to ‘spread it about’ and share a bit of it with everyone else.

After a few months I thought I had learned all that I could and for a very long time I did not visit the site and managed / mis-managed my chaos on my own without speaking to others. I was missing a very, very, very big trick. Over the past few months I have been back daily but I am going to other areas of the site – the DMP Mutual Support Thread and most importantly for me the diaries :T.

In our day to day life, all of us have to put up with ‘keep up with the Jones’s.’ We have to suffer snobs, bullsh*tters, people with fur coats but no panties. We have to put up with those who have pumped themselves up like a balloon which is about to burst. Those who do not listen for fear they may be wrong or that someone will make them look small and those who are eternally evasive just in case an arrow should enter through a chink in their ‘armour’ which is composed of nothing but smugness and self-satisfaction :mad:.

Then there is us lot . There isn’t a great deal to say on us but what there is to say is extremely important. There is a fantastic community spirit, honesty and openness which can restore faith in human nature. Visiting the diaries is not just a window on ‘real life’ but an opportunity to participate in it too and really see the best from the absolute best people. I chanced on it by accident when I saw pinotgrigio41’s diary (I think 1941 must be the year she was born :rotfl:.) I loved the fact that her debt free journey was ‘potty!’ I was hooked and since that time have discovered other very interesting and amusing threads that have helped me tons! Keep going comrades!!!! :beer:

Awright, awright…pretty neat, pretty neat……pretty good, pretty good. :cool::cool:

Brogden

grannyx2

Lovely post my dear, very well put. Though I'm sure Mrs PG will have your guts for garters when she reads it

:rotfl:



Have a lovely weekend x

Granny x

Brogden

grannyx2 wrote: »

Lovely post my dear, very well put. Though I'm sure Mrs PG will have your guts for garters when she reads it

:rotfl:



Have a lovely weekend x

Granny x

I am sure Mrs. PG won't mind (famous last words.....:o!!)

I hope you had a nice holiday

Brogden x

helena124

Morning Brogden,
Totally agree with Granny, brilliant post. This IS a great place to find refuge and comfort when a lot of people in the real world couldn't even start to understand what it's like to find yourself in a pit of debt despair.
I'm keeping on reading and am continually inspired by my fellow debt free wannabe-ers whose journey and tales motivate me and give me the courage to deal with my own quagmire.
Keep up the good work, Helena :beer:

Brogden

Nothing dramatic but I can now confirm I am binning two blighters next week :T!!!!

Motormile Finance (Swift Sterling) O/S debt £213.31 (F&F £130.00)

Opos Limited (the despicable Minicredit) O/S debt £145.00 (F&F £100.00)

I have already paid part of the MMF debt but with the agreed settlement figures I am paying a total of £230.00 on Wednesday to settle 'sundry' debtors totalling £358.31

This is not the most dramatic thing ever I know but the saving of £128.31 goes a long way in the envelopes

If anybody has the misfortune to deal with Opos.......they are sooooo dozy and pathetic here we go:-

1. They moved address without telling me

2. They changed their telephone number without telling me - no divert and no recorded message meaning we were out of touch for several months.

3. They lost the income and expenditure statement I posted to them

4. When I threatened the despicable Minicredit with the FOS they missed the fact that the debt (something like £580 with their 'carp' charges had been more than halved.)

5. In making my offer on the phone today of £100 I informed them I was paying on Wednesday and the gentleman went to refer to his manager. He came back several minutes later to advise that the £100 offer was acceptable.....but only today - I then proceeded to 'lose it' and commented on their uselessness in a raised voice. He went away and came back to say it was acceptable on Wednesday.....but only before 12:00 noon :rotfl::rotfl::rotfl:!!!!!!!!!!!!!!!!! 'OK' said Brogden

6. How will you be paying? By Faster Payment said Brogden. 'So you are paying with a debit card then.' 'No' said Brogden, 'I said I was paying by faster payment because you charge 75p for debit card payments and I will not pay that as a point of principle.' 'I do not know what a 'Faster Payment is' said he. We can accept a 'Bank Transfer, is it one of those?' Yes it is one of those' said Brogden......training need or what?

7. The final criticism is their choice of client..........nobody but nobody should deal with or contract with the despicable Minicredit.....I look forward to the FCA's inevitable intervention there :):):):):):)

Amazing how dealing with Motormile Finance (stupid name) was so easy......its as if they wanted everything sorting out. I'll vote for them in the 'most popular debt collectors pole :rotfl:!!)

Onward and upwards,

Brogden