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Comments
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make_the_change wrote: »Initially I was going to use StepChange but I have been following others stories of managing alone so might be tempted to do that. I haven't started yet as would like an emergency fund so trying to stall things a little. But when I get a letter from a creditor which seems quite scary, I use the DMP board for advice and people have been so helpful :T
sounds like your pretty much in the same position as me right now, im also currently trying to build up a fund, but I have been getting some of those scary letters as I haven't spoken to creditors either by phone or letter0 -
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fishfinger1 wrote: »sounds like your pretty much in the same position as me right now, im also currently trying to build up a fund, but I have been getting some of those scary letters as I haven't spoken to creditors either by phone or letter
I have started to send my letters and only one creditor was being annoying. They sent a letter last week saying they were going to visit my home :eek: so I called them and it seems their departments just had not communicated my letters and they were really nice in the end. Put my account on hold for a further 30 days. I will be back here in a few weeks getting advice on how to stall further!DMP Started June 20160 -
Your SOA doesn't give your debt repayments. Is all, or more, of the £527.01 taken up with repaying the unsecured debt?0
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thegreenone wrote: »Your SOA doesn't give your debt repayments. Is all, or more, of the £527.01 taken up with repaying the unsecured debt?
Yes as it stands at present if we were to make minimum payments on all cards it's approx £650 a month0 -
I apologise. I skim read, not helpful.0
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As you appear to have no property and the debts are soley yours had you considered Bankruptcy or is this not an option?
svcSCP # 034
The £1000 emergency fund #590 -
so_very_confused wrote: »As you appear to have no property and the debts are soley yours had you considered Bankruptcy or is this not an option?
svc
To be honest I'm willing to go down which ever route is gonna get me out of this mess the soonest so I can start and live my life stress free again. I don't really know how bankruptcy works if I'm honest0 -
so_very_confused wrote: »As you appear to have no property and the debts are soley yours had you considered Bankruptcy or is this not an option?
svc
Why? Why shouldn't he do what just about everyone else does and pay back what he borrowed?
Even if that takes the rest of his life.0 -
Fishfinger, what did you spend £32k on and still have nothing at the end of it?0
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