New beginnings.... lets get this debt cracked!!!

Tiggerlou

Hi CP2016... yes received the letters from Link at the weekend and all looks pretty much straight forward thank goodness!!! I am like you, never want to see another credit card or loan or bloody catalogue again... so pleased I am sorting this mess out ☺

Tiggerlou

Can't login in on the Barclaycard account so they all must be with Link now... keep checking the post for the last letter dropping through!!! Havn't been on here for a bit but still plodding away.... xmas was lovely this year, lots of presents for my little one all bought by me saving and not one on credit - the feeling was fabulous!! Even managed to afford to go to the dentist yesterday ☺... pay day Monday and desperately waiting for it... January has to be the longest month ever xxx

Tiggerlou

Feel things are going well and then the anxiety kicks in again.... in particular when I see other people are experiencing collection agents visiting them... Its only a few months since I started so still early days and I know I am being irrational but living with the dread is awful ��

Tiggerlou

Wow another month has passed - how did that happen?!?! Decorated our little boys room and ours last week and his birthday is next week so busy busy busy!! Feels good knowing those 2 things are paid for outright and made me focus on what to get that we needed - not that we wanted!! Xx

Tiggerlou

Can't believe I haven't kept my diary up to date for so long!! Everything still coasting along at the moment... although have 2 big bills to pay out this week when I get paid but all budgeted for which is good and shows I am learning from past mistakes! X

wolf33

Hi, I really admire how you are sorting yourself out, I'm just beginning the process (after hiding the landline phone in a drawer to stop the calls about overdue payments) I've got a question - I thought if I approched each lender and asked for help that would be the right thing to do so I rang the first one and they were helpful and said they were willing to take a lower monthly payment but that if a debt has interest that the interest cannot be lowered or frozen at all. So I worked out that if I paid any less than the minimum amount as they suggested - the debt would just get bigger and bigger. The next comapny I approached offered nothing even though I'm 2 payments behind and. So how did you get the interest stopped please?

[Deleted User]

Welcome back Tiggerlou x

wolf33, you need to post your question on the debtfree wannabe main board and someone will come along with the right answer

Tiggerlou

Thats what happened with me and I was getting nowhere... only since I set up a dmp with stepchange did I eventually get sorted out... be 1 months next month since I made the call and wish I had done it years ago xxx

Tiggerlou

12 months that should say above xz