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72k in debt....I feel sick

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Comments

  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    Just found this and wanted to sen a hug...read through and unsure what happened earlier in the year when it was suggested that you consider a dmp with cccs? Did that not come about? Hard to make any suggestions wihout knowing whats's what and really all I can suggest is contacting cccs again if you havent already. Sorry that you have this at this time of year - horrible and like others wish I was closer as would pop some food in. Hugs for you....
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • Fag_ash_lil
    Fag_ash_lil Posts: 5,150 Forumite
    Part of the Furniture
    moneymeltdown wrote: »
    they didn't come around at 6pm as advised....hurray! merry christmas everyone x

    I'm so pleased they never called round :j ......

    I wouldn't have thought that anyone would call round on Christmas day or Boxing day ......

    So please try not to worry yourself sick over this ..... am sure somebody will come along that can answer your question in post 119 ...... ;) ( am trying to help keep this bumped for you ) .....

    I thought it was very generous of beaujolais-nouveau to offer you some food .... what a lovely person ......



    terri x t5kora_th.jpg
    " When I'm good I'm very good , but when I'm bad I'm better " ~ Mae West ..
  • 10past6
    10past6 Posts: 4,962 Forumite
    Fag_ash_lil wrote: »
    am sure somebody will come along that can answer your question in post 119
    Click here MMD

    Any questions, ask away
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • 10past6
    10past6 Posts: 4,962 Forumite
    Moneymeltdown

    Bring me upto date with this thread.

    You had a debt with MBNA/Link

    You requested your CCA

    They produced a CCA/Application form is that correct.

    Have you posted what they sent to you on here?

    Once they issued your CCA/application, they then issued a SD

    Have I missed anything out?
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    I didn't want to read and run so just wishing you well and a few days peace over xmas

    I'm central london and just looking online, alot of places give out food parcels etc

    Pm me if you want a list!
  • kezia
    kezia Posts: 322 Forumite
    Hope all is well

    bump!
    Smoke free since 16th December 2012
  • DreamerHelen
    DreamerHelen Posts: 2,629 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hey MMD....I have read your entire thread and I can't give any advice I'm afraid, I just wanted to wish you a Merry Christmas and I hope that the New Year brings better things for you!!

    Please try to relax a bit over Christmas...I know it's hard because you're so worried, but you need to just TRY to relax...and then keep plugging away after Christmas.

    You've done the bravest thing possible - You've had your LBM and asked for help...that's amazing!!! So well done you.

    All the best, if you need to chat or anything, please PM me ANYtime!!
  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    hope youve had a good day despite the worry....
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • youareallhelpingme
    youareallhelpingme Posts: 1,056 Forumite
    Hey, glad they didnt come back. Happy Christmas to you and you dog!

    Me x
    One small step for ME, one giant leap for my family!


    2015 - my Amazon Gift Certificate mini challenge - saving to buy small household electrical items.
    Total £9.12
  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    10past6 wrote: »
    Moneymeltdown

    Bring me upto date with this thread. ok here goes...

    You had a debt with MBNA/Link yes £16k approx

    You requested your CCA yes cca requested 12+2 etc and heard nothing until about 2 -3 days before it was about to default

    They produced a CCA/Application form is that correct. yes what looks like an application form was sent a couple of weeks ago...

    Have you posted what they sent to you on here? yes i posted a query as i am unsure what a real cca looks like...no one here responded so i wasn't sure what to do

    Once they issued your CCA/application, they then issued a SD yes the sd was hand delivered on 24th december

    Have I missed anything out?
    i don't think so!
    "happiness is...positive cashflow!":j
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