Feels like im going under!

sourcrates

I notice you have had contradictory advice on your post in the Stepchange Debt advisors thread.

Stepchange advice will almost always differ from those who try to be pro-active about their debt, and how to deal with it, they are mainly creditor funded, and will always stick to the official line.

I have sent you a PM.

fatbelly

Yes, I noticed that too. It's an illustration of the way debt advice is heading.

We are being leaned on to warn clients of all the things that CAN happen, rather than use our experience to say what is likely to happen.

If your GP had to work under the same rules, every time you saw him/her they would have to tell you all the things that could possibly go wrong with you and tell you about all the treatments you weren't going to get.

NiteEyez1980

Hi guys 

OK, I have cancelled the dd on:
Hsbc card
MBna card
Shawbrook bank

Based on when they are due that should start things 'rolling' arround the end of month.

Once natiownide card arrives I'll do the necessary with the rest.

Won't lie, on tenterhooks as feels like a perosnal failure but best foot forward eh? 

NiteEyez1980

Well that didn't take long. 

Cancelled my dd with shawbrook (not even due till nxt week) and they are already spamming me with calls. 

Makingabobor2

We blocked all creditors numbers from phone & wrote a standard letter to all of them, explaining situation, telling them to only contact us via post or email, and also asking for interest to be stopped as we started our DMP.  Most of them agreed ASAP, although there was one who carried on adding interest until after a few letters, where I laid it on a bit thick and told them it was affecting my mental health, they eventually apologised and refunded the interest we had paid since the first letter.  Make sure you keep copies of ALL correspondence though. 

Makingabobor2

NiteEyez1980 said:

Hi guys 

OK, I have cancelled the dd on:
Hsbc card
MBna card
Shawbrook bank

Based on when they are due that should start things 'rolling' arround the end of month.

Once natiownide card arrives I'll do the necessary with the rest.

Won't lie, on tenterhooks as feels like a perosnal failure but best foot forward eh? 

Its not a failure, its an achievement. A failure would have been doing nothing. You've taken the first step now and things will get better. 

kimwp

Makingabobor2 said:

NiteEyez1980 said:

Hi guys 

OK, I have cancelled the dd on:
Hsbc card
MBna card
Shawbrook bank

Based on when they are due that should start things 'rolling' arround the end of month.

Once natiownide card arrives I'll do the necessary with the rest.

Won't lie, on tenterhooks as feels like a perosnal failure but best foot forward eh? 

Its not a failure, its an achievement. A failure would have been doing nothing. You've taken the first step now and things will get better. 

Agreed. Stand tall and be proud that you are looking after your family by tackling this. 

BRB881

I think you should be proud for taking action. You and your family will be all the better for it. I know how hard it is- we’re at the start of our journey too 

SusieT

Well done for making the start to a new debt free future, like so many here I have been through what you are now, and can tell you that once the scary letters fail to work and defaulys are issued things do get a lot easier, as that is the point where the interest will stop and you can start to do your DMP knowing that you can now reduce the debt each month without having huge amounts of interest added to the total. You can do this, atay strong and this time nezt year you will be in a much better position

ladyholly

Well done on taking the first steps. They are the hardest and you are not a failure for wanting things to get better for you and your family. I qam sure you will sleep better for taking the first step.