Time to start a fresh.

enthusiasticsaver

Sounds like your plan is coming together.  Knocking a few of those small CCs will motivate you but as you say the high interest loans are your biggest issue so don't leave it too long before dealing with them and make sure the balance does not go up due to interest. 

BlueJ94

Sarahwithlove said:

Got to love some yellow sticker bargains. 

Haha yep! Got a few good deals!

BlueJ94

enthusiasticsaver said:

Sounds like your plan is coming together.  Knocking a few of those small CCs will motivate you but as you say the high interest loans are your biggest issue so don't leave it too long before dealing with them and make sure the balance does not go up due to interest. 

Yes, getting somewhere now Yes, that's my plan as soon as the smaller CCs are paid I'm hoping the lump sum should be sorted out by then and I can pay towards them!

BlueJ94

Plans today whilst at work (depending how busy)
Contact Vanquis as this is the highest CC and see if they'll stop interest. Try and get 118 to actually speak with me as I have an email confirming I'm no longer on DMP.

This evening plans
Batch cook a soup from veggies in the fridge 
Make tomorrow's work lunch 

Sarahwithlove

Good luck hope you get them to cooperate with you as that's a hell of a lot of interest to be paying. 

BlueJ94

Sarahwithlove said:

Good luck hope you get them to cooperate with you as that's a hell of a lot of interest to be paying. 

I had an email from them at 4am actually saying that Payplan needed to tell them I was no longer on a DMP even though I have a letter which is weird.

BlueJ94

Emailed Vanquis CEO asked for interest to be stopped etc, hopefully get a reply today.

Sarahwithlove

Have you contacted pay plan to ask them to update the loan company? Is that who your DMP was with? 

BlueJ94

Sarahwithlove said:

Have you contacted pay plan to ask them to update the loan company? Is that who your DMP was with? 

No as I was told by 118 yesterday on live chat I only needed an email or letter of proof to send to an email address that they gave me. I'll phone on my dinner break and explain to Pay plan. As 118 won't even speak to me about it, annoying! 

Sarahwithlove

That's frustrating. Hope you manage to get it sorted.