The long haul supporters thread...

Happytogetdebtfree

Whoa whoa dontvpay ask for written confirmation I it classed as settled if nit it could be just away to get you to pay more and then you don't have. Leg to stand on be very careful ...x

missworks2jobs

I'm (hopefully) not here for too much longer - we're a year into our debt free wannabe plan and are looking at 2.5 more years (2 if we have no blips or have some good fortune). But I still totally know where you're coming from and want to say how nice it is that everyone supports each other thru it.

Think of it the way slimmers do.....DIETING doesn't work, its a short term fix for an underlying problem; you have to completely change your lifestyle, habits and the way you eat (or spend/save in this case). Good luck everyone, we can do it!

climbintheladderouttadebt

Don't worry - am calling them back this arvo to request the offer to be sent by post, to include the words full & final settlement, and to confirm, leaving no doubt, that I will not be chased for anymore money after the £150 is received. Hope they're quick! I'm so excited! lol

Hi missworks2jobs! How have you found your first year? You're right about the diet comparison - I had never looked at it that way so plainly, had just told myself to be satisfied with what I have (and I really am) and not to do it again! lol

I have been teaching my boyfriend about changing his lifestyle, I just wish his mum would jump on board! She spends like there's no tomorrow, even taking out loans in my boyfriends name in the past (he even knew!!) and she seems to think we're rolling in it! She's desperate for us to move closer to her (it'd be nice but we can't afford it!) and arranges to see us only to change plans last minute and get us to visit her place instead - it costs us £12-£15 a time in a taxi for goodness sake! I'm so thrifty that that amount could feed me and my daughter for a WEEK!! Grrr lol (I get so wound up!)

Happytogetdebtfree

Good idea about getting a written letter first hehe ooh i wouldnt like someone taking creit in my name my god :O cheek of it eh !! xx ive finished cleaning im shattered now :O xx

climbintheladderouttadebt

I've neglected most of my cleanin this week, Happy, fancy doin mine for me?! lol

Well after spending 3 solid days on MSE I'm getting somewhere, although sometimes that somewhere is still confused!

Think I'll take a break and return in a few days when my brain is well-rested!

Happytogetdebtfree

Haha sure il clean for you but i need some rest first lol lol xx

jwil

ESO1967 wrote: »

Hi All,
I would like to join the thread as I am in for the long haul tooooo, I think I worked it out we owe £33000.00 estimated time debt free the year 2025 eekkk but I am in a DMP up and down a bit but getting there .... did owe £41000 so feeling okay just wish I could get there a bit soner , but never mind reading all your posts cheer me up.
Thanks in advance !!!

Hi Eso, welcome to the thread, you've done brilliantly reducing your debt by that much, and I'm sure you'll get your DFD down somewhat. Good luck with it!

jwil

MattyA wrote: »

Hi Stevieb1
would like to join this thread if thats ok?
Matt

Welcome to the thread Matt!

Happytogetdebtfree

Hi jwill how is the debt busting wow you hav pad'd alot x

jwil

climbintheladderouttadebt wrote: »

Well thanks everyone for the warm welcome, I'm gettin used to all the MSE stuff now and have to say what a great community to be a part of!

Have spent today going round in circles trying to sort out my Lloyds TSB current account and credit card and related charges, PPI and default notices. I am now officially dizzy!

How is everyone this week? ESO, I hope your assessment goes well, I'm sure it can be rather nerve-wracking! Have you 'subscribed' to any threads? There's an option to do so in 'thread options' or something similar up the top on the green bar.

I myself am at home at the mo, 7 months pregnant with baby number 2, a boy, and my 3 year old daughter. I'm really stressing about finances. My boyfriend and I want to move in together but with my debts and poor credit rating it seems I'm stuck in my rented flat for awhile!

I've wiped off 2 lots of unfair credit card charges so far (out of 3) but have so far been unsuccessful with bank charges. I also have 4 defaults on my credit rating, 3 of which I think stand a chance of being removed due to errors. One I am stuck with, I know, though I may attempt to have it removed later in the year if I offer to pay the debt in full.

I'm desperate to move on from my disastrous past and enjoy the future with my family. They are my absolute world and everything I've always wanted. I just hope all this hard work re debts pays off, I am feeling very swamped at the mo!

Your hard work will pay off eventually climbin, frustrating though it is! Try not to get yourself too stressed, it sounds like you've got a chance to get rid of a couple of defaults. You will get there!