Ready For My Fresh Start

PurplePhoenix62

Hello to anyone that reads this!

Today has been an exhausting day of talking to debt agencies and directly with some companies who still own the debts (which the thought of caused me no end of anxiety) so I thought I'd finish off my day of 'bravery' by finally signing up to this forum.

So... fresh start. Pending all the final bits going through I'll be moving to a different county in the New Year for various reasons including being closer to my family and general cheaper cost of living. In order to do that, I had to get my last few ducks in a row with payment plans to show I'm managing my debts which gave me the proper kick up the behind that I needed. All credit reports scoured and as of now all bar one (that I cannot work out what account it is and the debt agency don't know either even though it's on the credit report under their name) I have at the bare minimum completed the Income & Expenditure forms they wanted me to do first, others I am just waiting for email confirmation of the payment plans. 

I can't remember the last time I had the full picture of my financial situation, I've always been aware there's probably a few in the background I should make contact with at some point but here I am now looking at a shiny new spreadsheet with absolutely everything on it - and that makes me quite happy! (Sad, I know)

I'll get round to popping figures onto here or in a signature soon enough, but just wanted to say hi to everyone and get my first post out here 

Little_bit_taller

Make sure you use the main Debt-free wannabe forum for tips on managing your debt. You might be able to pay reduced amounts to get them paid off etc etc.

Good luck to you!

missmoneywatch

Hi 👋 great to meet you and read your post. I think being accountable on here will definitely help you stay on track and it always seems ver supportive to posters. Good luck getting everything in order. 

enthusiasticsaver

Welcome and good you are making a fresh start.  You sound very organised. 

PurplePhoenix62

Thanks for not leaving me talking to myself 

After a lot of hitting brick walls and trawling emails, I've finally worked out the last account. Credit file showed it with Moorcroft, I only had the last four numbers of the account. Went through all my email accounts for the month it shows opened and found the account so went to Moorcroft with it - they couldn't find it only one under a different account. Spoke to o2 - eventually managed to work out because they sold the device and airtime plan there was a second account number - which IS the one Moorcroft have so in the process of setting up the payment plan now and that's everything in place at last. 

Long week at work this week, picked up 5hrs of overtime on Tuesday, regular shifts Wednesday-Friday with a couple of hours added on to two of those shifts, and picked up 8hrs tomorrow. 

Debt when I posted was in the low £10,000s  but once my last few direct debits go out on Monday it'll (just about) start with a 9 instead. 

I do read on the main Debt Free Wannabe forum as well, once I've got a few smaller debts ticked off I'll be looking to offer F&F for some of the middle size ones so I've got more to pay towards the two larger ones, then look to F&F those as well when I've got the money to do so

Not much of an update but wanted to post my little 'win' for managing to jump through enough hoops to track down the last debt. Xx

Cloth_of_Gold

Well done. You now have clarity on your financial situation, which is essential before starting on your journey to being debt free.

PennysIntoPounds

Hello, and happy 10s to 9s day for tomorrow! Well done for being brave, and doing all the tedious necessities 

PurplePhoenix62

Afternoon MSE Land

All payment plans bar one that I'm still waiting for confirmation to be emailed through for, are with my new employer, once I have that last one I should finally get my formal job offer then I can hand in my notice with my current employer. Currently requested a callback AND in a live chat queue to get that last one sorted! 

I'll write a longer post tomorrow before work hopefully, but for now I've got some chasing to do and I believe I'm allowed to add a signature now so off to do that

Sidney_31

Good luck Purple, you sound very organised. Best wishes for your new start 

enthusiasticsaver

Good progress made already in getting below £10k. 

Cloth_of_Gold

Getting to 4, rather than 5, figures is great and will give you encouragement to continue.