DMP & Mutual Support Thread - Part 11

Tiggerlou

Hello, my HMRC debt went on the plan too and I am just waiting to see if they accept what is going to be offered x

heavenlyharry01

MBNA have agreed to the payment offer and have stopped interest!

One down, ten to go!!

Sazzie23

heavenlyharry01 wrote: »

MBNA have agreed to the payment offer and have stopped interest!

One down, ten to go!!

A positive start :j

Saz

NewcastlePaul

After 12 years of Stepchange DMP payments.
an 18 month PPI reclaiming mission and then offering full and final payments I am as of today debt free.


The final payment left the account today.
When I think how I didn't know who to turn to. I couldn't ever see a way of clearing £128,596.72 worth of debt.


I thank the day I discovered Stepchange and this site.
No matter how bad you think it is, its not.
Just don't worry. Don't bottle it up and just keep chipping away.
You will get there.


It's been 1 hell of a slog but today I have my life back.
I will stick around to post and help where I can.


This board kept me sane at times x

[Deleted User]

What brilliant news, NewcastlePaul:j

Thanks so much for coming on here and sharing your great news with us:T

I hope you can relax now after a job well done and relish every day of your new life:beer:

I'm feeling pretty chuffed today too as I'm now just a smidgen over the halfway point of my Stepchange DMP:j:j:j. Yes, it has been and still is hard but now I'm on the homeward stretch (just;)) I'm feeling so much more confident and hopeful that I really will be debt free in just under three and a half years time. This thread and the wonderful people who post on it have been brilliant in keeping me sane!

BeingDebtFreeStartsHere

NewcastlePaul wrote: »

After 12 years of Stepchange DMP payments.
an 18 month PPI reclaiming mission and then offering full and final payments I am as of today debt free.


The final payment left the account today.
When I think how I didn't know who to turn to. I couldn't ever see a way of clearing £128,596.72 worth of debt.


I thank the day I discovered Stepchange and this site.
No matter how bad you think it is, its not.
Just don't worry. Don't bottle it up and just keep chipping away.
You will get there.


It's been 1 hell of a slog but today I have my life back.
I will stick around to post and help where I can.


This board kept me sane at times x

Fantastic news NewcastlePaul - huge congratulations :beer:

I cannot even imagine what that debt free feeling must feel like but I'm determined to keep going and get there, just taking it one day at a time

Thank you for sharing your inspirational story - it is so lovely to hear of those who have been through this journey and are now enjoying a debt free life :T _party_

Take care,

BDFSH x

KID77

Great news Paul, well done.

Good to see your name again as you were someone I read about when trawling through all the previous DMP support threads :-)

Sazzie23

NewcastlePaul wrote: »

After 12 years of Stepchange DMP payments.
an 18 month PPI reclaiming mission and then offering full and final payments I am as of today debt free.


The final payment left the account today.
When I think how I didn't know who to turn to. I couldn't ever see a way of clearing £128,596.72 worth of debt.


I thank the day I discovered Stepchange and this site.
No matter how bad you think it is, its not.
Just don't worry. Don't bottle it up and just keep chipping away.
You will get there.


It's been 1 hell of a slog but today I have my life back.
I will stick around to post and help where I can.


This board kept me sane at times x

Fantastic news Paul :beer: I know you put your life on hold in a lot of ways, so good luck and enjoy. :j:j

cmcavon

Woo well done Paul, that's fantastic! I think we all dream of the day we will get there, congratulations on achieving it!

kezzb

Hi all, I am wavering between feeling relieved and in control one moment to feeling sick and worried the next. In the final stages of setting up DMP with Stepchange. My income is not as good as it was a few weeks ago, my tax credits have gone down and Ive lost a couple of hours of work. Im self employed so my income fluctuates. Taking a close look at what Ive had coming in versus what goes out its no big surprise Im so in debt. All makes me feel physically sick, infact I have been. I know that if I cant make the DMP work we will end up losing our home I have also been a complete idiot and gave Stepchange my overdraft figure at a point when it was low as i had just had a fair bit of money go in. have had to send them a revised figure. Do the ever not let someone set up a DMP? it is my last hope, without it we are truly doomed.

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