First Steps

tigerfeet2006

:T Well done Ann:T

You can now look forward to a nice, happy future. Your son should be very proud of his Mum.

Bet you are looking forward to answering the phone with a clear mind now.

All the best Ann and you know where we are if you have any questions or just want to chat.

philnicandamy

AnnCamRom wrote: »

Hi Everyone

Well its done!! I had my OR meeting and put it this way I did my best. I couldn't remember the exact times I got the credit cards but as I said I did my best.

She said thats it for now and that I shouldn't hear from her again. She said all the letters and phone calls I can ignore and throw away more like shred lol;)

I'm so proud of myself that I have finally taken a hold of things and made a decision to go BR. I need a better quality of life for me and my son now.

Really pleased all went well for you, heres to the fresh new start you & your family deserve!

fiveyearplan

I'm really pleased for you Ann! Congratulations. Here's to your fresh new start.

AnnCamRom

Hello everyone

I would like to thank each and everyone of u that has supported, given positive feedback, just being there for me to talk to through my BR.

A few months back I never thought I would go BR, but to be honest unless I won the lottery, my debts would of never been clear.

I can now live and make a fresh start with my son and my partner. I'm happy at this point of my life that I can start living again and not have to worry about where I'm gonna find the money to pay my credit cards and loans.

I will of course still post on the forum as I'm sure there will be others who could do with good advice like u all have given me. Without u guys I would of still been miserable, still upset that as soon as it was payday I would be broke the second day.

Thanks again I can honestly say I think I have made some good friends. :rotfl::D

fermi

Hi.

I'm delighted to hear how much better you sound and feel.

Seeing the difference that a forum like this can make has made an awful lot of us stick around a lot longer than we ever intended.:o

philnicandamy

Ann, realy really pleased for you now....the difference in your first posting to now is amazing to see

Enjoy the rest of your new life!

Phil x

betterlatethannever

Hi ANN,
Phils right your like a different person, and thats great to see.
Hope everything goes your way now.
All the best
x

AnnCamRom

Hey guys

Since having my OR meeting, I got paid and wow it was nice to still have money even after a week :j. I did get a phone call from wescott services yesterday and actually wondered how they got my house number as its ex-directory. I had great pleasure in telling them that I had gone BR, although the women did ask me a really strange question if I had included this bill in the BR, I thought why wouldn't I but I had to give her my BR number and that was that, she said she will put it on file so there would be no further action.

I do still get the odd letter here telling me that they will take me court and that it will effect my credit haha.

tigerfeet2006

Glad to hear that all is good.

Even if you had forgotten about the debt and hadn't written it down on your form it is still included so to Westcott

All the best.

AnnCamRom

Hey guys and gals

What can I say but, Merry Christmas to you all and may 2008 see good times ahead.

I'm hoping in January that thing will be great, more money to play with alot more to save and maybe a holiday.

Again I would like to thank all of you who gave good advice helped me think positively and remind me that there are worse things in life than being in debt.

Again Merry Christmas and I will be reading and posting in the new year

Be happy, Be merry, eat and drink plenty, start the diet in 2008 LOL cause that when I'm gonna start!!!!:rotfl::D