72k in debt....I feel sick

moneymeltdown

Fag_ash_lil wrote: »

Hi again ,
I've been following your progress since Christmas eve ..... and you have been doing really well so far ....
Very sorry to hear about your card being cloned .....
What have the bank said when you spoke to them about it ?

terri x

the coop have been very helpful throughout and realise that it's not my fault. a new card is on its way soon.i have borrowed a little cash so it's not that bad! thanks for your support since the christmas eve drama!!:)

moneymeltdown

smallfish wrote: »

Hi MMD, Just read your thread through and really hope all goes well at court and you get that MBNA debt crushed! What pants about your Coop card:( . iI'm sjtu guessing really but surely if there's been fraudulent activity on your account you're not liable for it and the bank cover it for you? Sorry if I sound naive but I thought that was way that kind of thing was so costly to banks, cos they have to pay the money back to the innocent account holder? I'm sure you'll be calling them anwyay but I appreciate you don't need it right now! Anyway, all the best, you've got some great MSEers looking out for you. GOOD LUCK!

thanks smallfish..i couldn't have got this far without the help of so many amazing MSE-ers here!

smallfish_3

Hi MMD, you're welcome This is a lovely forum and restores my faith in human nature. Good luck at court!

tunathe_cat

hi mdm just reading through your thread keep smiling hope all goes well in court - have added u to quick link to keep up with your progress.
woof to your dog
hugs to u;)

chevalier

hi mmd
I have read your thread today and i am sorry that it has been so tough for you. and the thing with the coop must have felt like the last straw

even if you don't put an SOA on here, it might still be worth doing one for yourself. because then you can go through it and make sure you are squeezing the most out of every penny of your money. Eg if you have been with the same car insurer for several years then it is very likely that you could get your insurance cheaper (and save money by goin gvia a cash back site like quidco.com)

so give yourself a financial health check it can save you alot of money, and maybe just enough to be able to get you onto a DMP


i also echo other posters, is your self employed job not covering your minimum payments? take a long hard look at that. if it isn't then you need to get a PAYE job that does do that, if at all possible. or if you really think that the SE job will start to work better, then what about bar work or other work you can fit around this job?

the only reason i am thinking about this is if you could get it so that you had some money left over each month then you could go on a manged DMP with CCCS and all this worry would be lifted from your shoulders

chev

moneymeltdown

chevalier wrote: »

hi mmd

i also echo other posters, is your self employed job not covering your minimum payments? take a long hard look at that. if it isn't then you need to get a PAYE job that does do that, if at all possible. or if you really think that the SE job will start to work better, then what about bar work or other work you can fit around this job?


chev

hi chevalier,thankyou for your support and advice! doing what I do for a living, being self employed is the norm and there are very few PAYE jobs out there (especially now) being freelance can be a giant pain in the neck as it's either feast or famine as far as getting invoices paid...I am working really hard just to keep the money coming in to keep the creditors at bay

pebbles88

(((hugs))) for you MMD, i hope it all goes ok. :A

moneymeltdown

i have a new bank card and pin number at last! I am now feeling like a normal person again...hurray!

10past6

moneymeltdown wrote: »

I am now feeling like a normal person again...hurray!

F A N TA S T I C

moneymeltdown

next step MMD vs MBNA! :T