Finally, i've done it!!

Debt_Slayer

Firstly, hello to everyone. I guess we're all here for similar reasons. This site is a brilliant idea, and gives people who've kept their poor finances private the chance to discuss the cause and solution without shame and the fear of judgement.

So, my story and the subject heading. I've grabbed a firm grip on my current debt situation, by the danglies. Spent the best part of 6hrs today either on the phone, calculator or sifting through a stack of paperwork. My debt was caused by me being an idiot with my cash, preferring to buy lifestyle items rather than pay bills. Spending money i didn't have, getting charged for being overdrawn, returned direct debits, late payments and over limit fees on credit cards. Then taking loans out to cover repayments, then topping those loans up and so on and so forth.

The outcome is that i'm sat here now with a financial deficit of a little under £13,000. Not much to some people who've had homes reposessed, but still, it's a lot of money and everyone wants paying now.

So i contacted CCCS after seeing them recommended in the debt help article. I'd also waded through my last Experian Credit Report from september and one by one contacted each creditor and tried to come up with a solution.
Some did and some didnt. But i've got this information pack from CCCS via email and an advisor is going to contact me to discuss my options to resolve the situation.

Overall i'm really positive about it and although i'm gonna have to put in some extra overtime it's been worth it.

:j

Lazy_Runner

Well done and welcome to MSE.

I wish you well on you journey to be debt free.

floss2

Why don't you post an SOA (statement of affairs) - I believe CCCS will want it anyway.

Then we can take a look & help you trim the outgoings a little?

BTW, well done & welcome :hello:

Floss x

SarahNeedle1872

Welcome to MSE and well done for such a positive start! Why not post ur SOA (when ur ready of course) and see if anyone here can help with the cut backs

Sarah x

southernscouser

Glad to see you so positive.

There are ups and downs of the journey but you will come through the other side! :beer:

bringmeshoes

Hi DS
well done on taking the first step, some people would say that this is the hardest step to take as this is when all those figures come to life and you realise just how real the debt is.
In the immortal words of Aerosmith "life's a journey not a destination" so good luck with your's

Sea78

Well done on all the steps you've taken so far

welcome to the board

Sea xx

Debt_Slayer

thanks people. i'm not so new to the site but i am to the forums. i think it was seeing people openly discussing debt problems which spurred me on to stop burying my head in the sand.

whats this statement of affairs?

theunknownstuntman

Hi Debt Slayer, I'm new to posting but not the board too. Its a great relief to get that "I'm in debt" speech of your chest so to speak isn't it?

Post your SOA, the good folk on here will help you save money, they did for me, and they're great too.

Stunty

Brassic

Welcome to the forum. There used to be a sticky on how to post your SOA at the top of the board which should help you. Be honest with everything you spend and you'll get loads of top advice from all the folks on here.

Cheers!
Brassic

tealady

Hello and welcome. There are loads of great ideas on this site about cuttiong back (fairly painlessly) and making extra money. I am so glad you chose to join us.