Time to start a Fresh part 2, 2022!

gymgirl11

Well done on the FiveLamps F&F deal!  

BlueJ94

gymgirl11 said:

Well done on the FiveLamps F&F deal!  

Thank you! I'm so happy that they accepted! SafetyNet are just being annoying with millions of questions 

EssexHebridean

I'd be inclined to focus elsewhere for a little while - others may take less of your time and remember that has value too. SafetyNet might decide to extend YOU a counter-offer if you go quiet on them, perhaps? 

BlueJ94

EssexHebridean said:

I'd be inclined to focus elsewhere for a little while - others may take less of your time and remember that has value too. SafetyNet might decide to extend YOU a counter-offer if you go quiet on them, perhaps? 

Yeah maybe, I'm waiting to hear back from Vanquis. 

Only ones left to try is Aqua and Likely Loans I'll pop them an email on my work lunch. 

badmemory

Is one of those questions the source of your extra funds?  Try a family member has said they will give me ..... if I can use it to pay off one of my debts.  Keep that figure really low.

BlueJ94

badmemory said:

Is one of those questions the source of your extra funds?  Try a family member has said they will give me ..... if I can use it to pay off one of my debts.  Keep that figure really low.

I did, with safety net I said a family member is willing to offer me £150 towards the debt and they still said no

BlueJ94

Afternoon all,

I've messaged all loans and cc's with F&F offers, the only one who won't budge lower than I've asked is 118 who is my biggest debt. But i'm at a better position mentally and physically than I was at the start of January. So let's get these debts up and gone!

enthusiasticsaver

jadewest94 said:

Hi @EssexHebridean I'm wondering if you think this is a good deal? This is from FiveLamps

Dear Jade,

 

Thank you for your email.

 

We are unable to accept your offer of 30%.

 

We can however accept an offer of £404.24 to settle the account.

 

This means we will forgo the interest of £320.76. 

That is a pretty good deal.  A discount of 45% for F and F.  Takes your total debt figures into the £3ks . 

BlueJ94

enthusiasticsaver said:

jadewest94 said:

Hi @EssexHebridean I'm wondering if you think this is a good deal? This is from FiveLamps

Dear Jade,

 

Thank you for your email.

 

We are unable to accept your offer of 30%.

 

We can however accept an offer of £404.24 to settle the account.

 

This means we will forgo the interest of £320.76. 

That is a pretty good deal.  A discount of 45% for F and F.  Takes your total debt figures into the £3ks . 

I actually didn't notice that! 

BlueJ94

Since January and now balances

aqua £400     £400
Vanquis £360      £320
Likely loans £840     £815
118 £1980       £1940
FiveLamps £770     £725 
SafetyNet £360.01     £300.71

By March Five Lamps would be cleared. Total debt would be sitting at £3775.71