Am worried sick!!

churchrat

hi
well done, I know that the first steps are never easy. The only thing I would add is not to offer any sort of payment plan until you have spoken to CCCS and set it up with them. Send your token payments and tell them you are now with CCCS, but don't offer until you know exactly where you stand.
good luck, we've been there as well and are now nearly thru---it can be done!!!!!!!!
cr

Little_Miss_Saver

arthurdick wrote: »

anyway, good luck to us all....keep on smiling, they can take your money but not your spirit...

What a lovely thing to say (but it soo true!)

I normally lurk on these boards but I just had to comment on that - sorry for hijacking the thread!:o

LMS xx

jmhgibson123

hi i have had dealings with mbna regarding a £7000 loan not sure if yours is more but it is a threat of the charge on your house they would have to go to court to get it and they are never too keen to do that and if you make token payments it proves that you are making some attempt to pay and not just ignore them. i have been on my dmp for a year and a half and they have not put a charge on my house-but i do refuse to speak to them on the phone as they are mostly nasty and belittling and well trained into scaring you only comunicate in writing and ignore any calls you get but make sure when you write tell them that you are only prepaired to communicate by letter
good luck and dont panic they cant take your house away

tote_alley_stressed

Hi, please try not to worry - this company thrive on other peoples angst and worries. I was even asked if 'throwing myself off a cliff' was an option when I got into problems - the best thing they did for me was to sell the debt on. Now people talk not automatons - chin up you'll get through this