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Brogden's Debt Disaster & Self Managed DMP!

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  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    helena124 wrote: »
    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:
    Thank you so much Helena :)

    I agree, agree, agree. The forum does sometimes seem too good to be true........but it is of course true and real.

    I know in no time you will have banished that 'quagmire!' :)

    Brogden x
  • Morning Brogden - thanks for your kind words. My own quagmire's 'score on the door' was at a similar level to yours (all unsecured too) and I've been working hard at clearing it. I emphasise with your situation but take heart that it can be done and the hardest part is facing up to it. Well done you.
    Have a great Sunday, Helena
  • Morning Brogden - thanks for your kind words. My own quagmire's 'score on the door' was at a similar level to yours (all unsecured too) and I've been working hard at clearing it. I emphasise with your situation but take heart that it can be done and the hardest part is facing up to it. Well done you.
    Have a great Sunday, Helena
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Oh dear me :( !!

    I have just been clearing out my spam and find I have a rare case of 'blighter re-emergence syndrome!!' :(

    I mentioned that a short while ago I adjusted my signature figures down as I was choosing to ignore a pesky PDL. They had referred to a DCA. Many months ago I called the DCA to discuss repayment and was advised that they had taken the debt back from the DCA. I called them directly on the number on their letters and emails to be advised that this was their parent company and 'it was nothing to do with them.' I wasn't even sure if the PDL was still in business as I was rushed off the phone somewhat by somebody with more important things to do. :)

    Before I start adjusting my debt figures upwards on my signature, I am going to get a little assertive here........I mean......a business has to try to be 'credible' doesn't it?

    Looking at the mess that is Wonga / CFO lending and (here we go) 247 Moneybox.......what sort of industry is this? What a fool I have been............but somehow I think I might get off fairly lightly :)

    This is no 'big downer' for me......as I write this I am much more concerned with the 'Ayers Rock' of my debt portfolio and next year will be interesting.

    Have a great day all.

    Brogden :)
  • Whatever the outcome, it won't derail you just maybe give you an extra month or two of payments and that's more than doable.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Thanks INOD :) ! Have a nice day.

    Brogden.
  • Hello Brogden:hello:
    Oh my, what a busy thread this has been, all sorts gong on.
    Must agree that Ali-Ok's way of deciding diet sounds great but risky. What we really all need are crystal balls to cut out the guess work.:p
    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Thanks NOA x

    If its busy here then I don't know if that's a good thing or a bad thing? :p

    I think a lot of it is just me getting my panties in a twist :) !!

    Lovely to hear from you again sweetie - I have been keeping up with you you know :) So pleased you are in such fine form :)

    Brogden x
  • Brogden wrote: »
    Thanks NOA x

    If its busy here then I don't know if that's a good thing or a bad thing? :p

    I think a lot of it is just me getting my panties in a twist :) !!

    Lovely to hear from you again sweetie - I have been keeping up with you you know :) So pleased you are in such fine form :)

    Brogden x
    Thanks B :o
    Always a good thing;) !
    but twisted panties are really uncomfie:eek: Advise that you untwist ASAP:D as discreetly as poss;)
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Thanks B :o
    Always a good thing;) !
    but twisted panties are really uncomfie:eek: Advise that you untwist ASAP:D as discreetly as poss;)
    x

    Haha :rotfl:!!!!!

    xx
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