In a rush.

Sarahwithlove

You can definitely get it down to much less than 80% of original debt. Start with a cheeky low offer as then you can hopefully meet them in the middle. 

Moneyonmymind1979

Phoned them tonight and offered 20%. I read on here that somebody was able to pay 20%. The woman on the end of the phone spoke broken English. She said 'No' and I said 'yes'. After repeating this a few times we ended the call. I'll try again in a few weeks. 
Thanks @Sarahwithlove

Sarahwithlove

It may also be worth putting it in writing to them as they may come back with a counter offer. 

Moneyonmymind1979

Morning. 

Nto feeling great today. I'm tired and feel a little low. Not sure why as there is nothing going on that is worrying me. 

Had an email from La Redoute saying I have £17 in my account from years ago. I've been online and bought some pyjamas, which have only cost me £4. I'll wear them for our Christmas break. 

I've got a busy day today. Working through until 6.45pm. I've made tea and so when I get home I'll only have to warm it up. 

I might be picking up some more work tonight. It's £30 a week, but every pound is helping. 

OH has booked our holiday next year. He just booked it. I told him I can't afford it and he said not to worry as he'll pay. I think he feels obliged to go as it is with his family. I don't have high hopes for it to be honest. What do they say? Not my jam!

My sisters have been looking at extreme day trips and I've been roped in. We go to Alicante for a day on the 14th December. DS is coming and so I'll need money for that. Flights were £40 return each. I can't really decline invitations on the basis that I have no money, as my family know I earn well. They think I waste money, as I have very little to show for it. I don't like flying and it's two flights in one day. 

I rarely buy myself anything and have few possessions. My clothes are from charity shops. I own one pair of shoes, one pair of trainers and hundreds of Christmas ornaments that I still need to shift. 

Enjoy your day x

Moneyonmymind1979

Rang the £6000 debt and offered 20%. It was Moorcroft and he said he would put it to them and get back to me. What a gift that would be if they accepted. I'll wait and see what they say. 

He said that they haven't bought the debt, but work for the original lender. I think that's a lie, but he was nice on the phone and so I played along and asked him to plead my case. 

I can't wait for the day I can come on here and say that I am debt free!

Moneyonmymind1979

Another week finished. I've claimed back my £40 from the offer on the printer and renewed my car insurance. This has come out at £15 a month cheaper. 

I've listed some things on Ebay and Vinted (after talking about it for weeks) and cleared out some rubbish from the cupboard that shall not be named. 

We've got storm Bert and so OH has said that he'll help me with some further sorting today. This is the fallout from my nervous breakdown. I had no control of anything and so hoarded to control something. 

Sorting out all of these things makes me feel anxious. 

Moneyonmymind1979

Well, I've cleared 25 laundry bags out of the room and I feel so much better for it. Some of my auction items that I had sitting in the cupboard have been sent to charity. I still have some items that I'm going to sell, but most of it has gone. 

It's been a tough weekend emotionally, which may sound odd, but I associate all of those things with the nervous breakdown, the loss of my job, moving house and the breakdown of my marriage. 

Debt company have written and asked me to fill in a financial statement, which I'll do in bed later. 

Nephew has bought his first house and I'm pleased for him. He's had £100,000 inheritance and so has purchased a huge house with the large deposit. Everybody is celebrating on our family chat. My dad is gushing about what a good investment it is. 

I'm not jealous and I'm pleased for him. I've taken him some items round and I'll buy him a present. I can't help feeling a little sad that I'm nearly 20 years older and he's doing better than I am. I feel ashamed by it.

OH has gone home tonight to his huge house and rang me before to tell me what a lovely house it was. I think I'm supposed to think to myself that I'll move in at some point when DD has gone to uni. I'm not.

I've worked a 12 hour day today and have another two hours of work to do (admin). Off to bed to get warm. 

Night x
 

Moneyonmymind1979

Feel a bit bad this morning. Somebody my sister doesn't like is moving to the next village and she is seething. She was telling me today and said 'I've had a look at the house and it's a shxxxy terraced.'

If I ever buy a house, it will have to be a shxxxy terraced, but a much cheaper one in a less affluent area. I don't even think she realises what she has said. 

BP tablets are making me feel odd. I just don't feel as sharp as I normally am.

I've started buying food bits for Christmas and I have some Tesco vouchers, where if you spend £60 you get £10 off. I sifted through the reduced offers and got £90 for £51. I can use it 3 times. 

Sold some Christmas ornaments and have made £60 so far. Only a few more large bags of them to sell over the next 4 weeks!

Happy Wednesday. X

stymied

That's good news on the sales @Moneyonmymind1979 Does that mean you're close to breaking even already?

dawnybabes

Your sister won’t have meant it, she will be just venting and tbh I’d rather have a shxxy house that I own then one I rent.