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Brogden's Debt Disaster & Self Managed DMP!

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Comments

  • 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.
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • 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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