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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
    £214 per month so far INOD but a chunk of that is pledged to pension activities already :) !! I'll post about that again but there is a smaller audience for pensions than debts!

    Have a great day my dear xxx
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    cheerleader3.gif Go Brogs, your doing a grand job of losing those pesky creditors......


    Love Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    I had to post a little ode to the magnum-Opus card. The application was to Sh*ttyBank (very large US bankers.) It only had a credit limit of £3500 and some sort of loyalty points system. :cool:

    The most carp bit is..........I remortgaged and paid it off. Then I went out with it in my walletto and used it.......again and again and again :o.

    I remember clearly being on a business trip in the bleak midwinter at a seaside town. As an alarmingly early dusk was forming I drove down the coast road as dark storm clouds gathered. The wind was rising and the car was noisily lashed by rain and rocked by intermittent gusts of wind coming off the sea. All I could think about was this card and what I was doing....I was spending equity from the house. Talking myself into making a life change, I arrived home cold and hungry. It was warm and I ate my chilli-con-carne pushing aside those thoughts and then running that card up to the limit over the weeks which followed :( !!

    Sh*ttyBank sold their credit card business to the faceless magnum-Opus and I can remember numerous conversations with them and being informed of the importance of keeping my payment promises or 'it would not look very good on me!' I'm not perfect I know but it was a good job that guy was only on the phone and not within reaching distance :rotfl:!!!

    Gone......history.......I did wrong.......I know......now I have got the faith I must keep the faith :)

    Onwards and upwards :)

    Broggers
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Puzzcat wrote: »
    cheerleader3.gif Go Brogs, your doing a grand job of losing those pesky creditors......


    Love Puzz. x

    Thanks Puzz x

    Wot an absolute sweetie :) !!
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    You are doing extremely well to pay under 30% as full and final settlements. :D
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    AlexLK wrote: »
    You are doing extremely well to pay under 30% as full and final settlements. :D

    Thanks Alex - not everybody is going as low as that :mad:

    The Gnat's Vest are the most difficult - I'm going to be with them for so long I think I might as well buy a ring and tie the knot :rotfl:!!

    forever together for years to come,
    A love too strong for us to part............
  • Historybuff
    Historybuff Posts: 657 Forumite
    Seventh Anniversary Combo Breaker
    So pleased to see you are getting those debts down so well. Impressive X
    Feb 2014 to now
    Unsecured debt at highest £56,511/now £9,328 83% paid. :)
    Mortgage £85,342/now £28,846 66% paid
    2018 overpayment total - £5,500
    Mortgage and debt free by August 2020
  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    So pleased to see you are getting those debts down so well. Impressive X

    Thank you so much for your kind encouragement HB :) !!

    Broggers x
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    Wowser well done you, :T:T:T that's some serious negotiating talent you have there!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Brogden
    Brogden Posts: 1,173 Forumite
    Part of the Furniture Combo Breaker
    Wowser well done you, :T:T:T that's some serious negotiating talent you have there!

    'Wowser?'..........;)

    Thanks you so much Skinny :). Its great to have you popping in now and then............you corny thing :p !!

    Broggers x
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