Brogden's Debt Disaster & Self Managed DMP!

Brogden

Puzzcat wrote: »

Morning Brogs,


I haven't a scooby doo what ya chat is about but it all sounds great...!! You are far superior to me in the world of pensions and politics..


Just thought I'd let you know I've bought that lottery ticket...:D


Love Puzz. x

Don't flatter me Puzz

I haven't got a clue about politics but........if you are thinking of standing I'll deffo vote for you !!

I thought I'd better say that as you've bought 'The Ticket'

Looking forward to lying under that palm tree......'get me another Bacardi and Coke Puzz :cool: !!'

Brog xx

in_need_of_direction

Does anyone else remember the Bacardi cat ad?

Brogden

in_need_of_direction wrote: »

Does anyone else remember the Bacardi cat ad?

The Bacardi ad cat lived with a little old lady and at night exited through the cat flap and went clubbing and err........'tripped the light fantastic'.....like you do

Brogden

Grey, rainy Sunday....the traditional British bank holiday weekend

I'm trying to work out where I am up to and what to do next. Well..... I will be thinking about pension contributions forever now but I am also repaying my Hallifocks debt with Carboot so that's £350 in May and the same in June and then finished. Everything else is on minimal repayment plans so I guess that's my lot until Carboot are paid and my P&F is crystallised in June .

I sent a further bitter letter to Wronga and their collectors, BCW Grope Goth yesterday. My regular readers will know that my complaint about not being included in Wronga's 'forebearance scheme' resulted in a final response where Wronga said they considered it fair that I should repay the loan but mentioned 'help' which they and the DCA's would offer to customers whose loans had been sold on. This was bloody three months ago and I have informed them that I need to know whether this 'help' will be sufficient for me to choose not to take this to the FOS which is in my diary to do at the end of July........ before I lose my rights due to the six month rule. I am paying nothing towards this debt at present and as far as I am aware this is on hold with the DCA's as a result of the dispute.......what a joke :mad:.

I have various other tatty and embarrasing little debts which I chose not to clear in my P&F purge as I needed to work out which giants could be slayed rather than wasting my ammunition on small fry..... so to speak. These all need some work now and I will start to look at a plan to eradicate some of these as I go along .

For the time being things will be a little bit 'petty' but I think I should now be looking to get my kicks by reducing the number of creditors rather than 'vaporising the volume'.......Ha......:rotfl:!!!! Uuuurggh :rotfl:

The only thing at the moment that's really getting me aroused is crystallising the P&F with Carboot on final payment. It's amazing what turns us on innit?

Broggers

themidasman

Hi Brogan, just spent sunday morning reading your diary!!.
Great work and very interesting. Need bit of help please. I have been on dmp for 6 months all going ok defaults on all but 2 debts. I have got slight pay rise and can afford a to pay bit more and am thinking of going self managed so I can pay my smaller debts off faster. I owe about 25000 but all interest stopped. Do you think it will be long before my debts are sold on? and how long before i can make P&F offers not that I have any money to pay yet!! I dont want to start paying more if this will slow that down. Hope that makes sense!

Skinnylatte

Still here, cheering from the side lines and catching up with your diary x

NoOneAround

Hey Brogden


;);)
xx

Brogden

Hi All


Not posted for a wee while and things have been a bit bland really .

Ummmm……what have I done? Well……something I haven’t done for a long time…..golf. Saturday was one of those days where I seemed to have no real ambitions or direction and it was a round on the municipal course with an in law. A beer sitting in the sickly complacent sunshine and then watching the town football side for half of the match as the skies grew darker and the chilly breeze forced me home to a line of soaking wet washing pegged out earlier in a foolish and overly optimistic spurt :mad:.

The weather has such an impact on our moods doesn’t it? The dark and brooding sky……the changeability of it all…….that feeling which grips us when it gets colder, when it gets darker, when something is going to happen……serious or minor……trepidation…..mundane but still serious…….an all encompassing feeling of restlessness .

Hopefully all will pass as a nebulous and small cloud is moved by the breeze……the sun’s rays charming the flesh and raising the saddened spirit .

I hope all is well with everybody and that spring will step up a gear soon .

Broggers

Verbatim

You're in poetic mood Broggers! Nice to have you back.

Brogden

The 'bitter-sweet' feeling is back........

My first wife used to say........ 'it all comes to he who waits.'

She was right because she finally left after I had waited for long enough !!

That was a long, long time ago . I'm talking about something different now:) ..............................

I have adjusted my signature totals......my Wronga loan has been written off :T !! Sorry but it does feel 'bitter sweet' !!

It isn't winning the Premiership or being the man (or woman) who has the world record for eating the maximum amount of pies in ten minutes......not as good, honest and straight forward as that.......sadly :(:(

Neither is it honestly paying back your debts. Imagine you are sat at the table and everybody is offered a chocolate biscuit except for you. You actually aren't 'eligible' to receive and enjoy a chocolate biscuit because your right to receive one has been 'sold.' There is somebody sat opposite and it is entering their tummy as we speak .

That is it..........if Wronga have a 'forebearance scheme' I would like to be part of it please So now I am........after the second time of asking and after the 'final response' to my complaint said I couldn't be :mad: !!

Still got a long way to go with everything though.......oh well.......:(!!

Brogden